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Craft Bank

Atlanta, GA · Cert 59209 · Craft Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19 to 20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Craft Bank

Atlanta, GA · Cert 59209 · Craft Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$305.9MAssets
$262.0MLoans
$260.3MDeposits
$42.0MEquity
Loan mix
68%RE $169.7M31%C&I $78.6M1%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $211.3M19%Noninterest $49.0MQ2 2025Q2 2026

NIM

7.87%Q2 ’247.94%Q2 ’257.18%Q2 ’26+9%-7%

Non-interest income vs. expense

3.07%Q2 ’243.24%Q2 ’253.25%Q2 ’26+20%+11%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #42 of 81 inst. · $0.3B of $255.1B

0.2% Fulton
0.1% Cobb

Executive Summary

  • Earnings: ROA of 1.37%, down 66 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 1.61% of loans (+93 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.81%, up 114 bps from a year ago.
  • Funding: loans stand at 100.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%-66 bps YoY

Net Interest Margin (YTD, annualized)

4.97%-39 bps YoY

Efficiency Ratio (YTD, annualized)

62.27%+741 bps YoY

Tier 1 Leverage Ratio

13.81%+114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%1.91%1.98%1.15%1.37%-66 bps
Return on Equity16.88%15.81%15.66%8.45%10.01%-687 bps
Net Interest Margin5.36%5.33%5.42%5.01%4.97%-39 bps
Efficiency Ratio54.87%56.35%54.57%65.42%62.27%+741 bps
Non-Interest Burden2.69%2.79%2.74%3.23%3.00%+31 bps
Growth
Asset Growth (YoY)6.97%14.32%3.11%23.63%15.84%+888 bps
Loan Growth (YoY)9.49%10.84%11.63%10.46%19.41%+992 bps
Deposit Growth (YoY)6.87%15.55%0.52%22.85%14.46%+758 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.76%0.73%1.82%1.61%+93 bps
Net Charge-Offs / Loans0.15%0.12%0.10%-0.01%0.02%-13 bps
Allowance / Loans1.26%1.28%1.27%1.26%1.22%-4 bps
Allowance Coverage of NPLs1.9x1.7x1.7x0.7x0.8x-1.1x
Capital
Tier 1 Leverage Ratio12.68%12.78%15.05%14.36%13.81%+114 bps
Total Risk-Based Capital14.51%14.99%16.71%15.22%15.55%+104 bps
Equity / Assets12.49%12.36%14.73%12.67%13.74%+125 bps
Liquidity & Funding
Loans / Deposits96.46%94.00%102.52%89.34%100.63%+418 bps
Liquid Assets / Assets12.19%15.58%10.80%19.98%12.24%+5 bps
CRE / Total Capitaln/a377%339%350%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Craft Bank

Atlanta, GA · Cert 59209 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Craft Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$305.9MAssets
$262.0MLoans
$260.3MDeposits
$42.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 3 of 20).
  • Widest gap: total risk-based capital ratio trails 70% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 14 of 20).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.34%

Rank 11 of 20

Net Interest Margin

4.97%

Rank 3 of 20

Efficiency Ratio

62.27%

Rank 14 of 20

Equity / Assets

13.74%

Rank 3 of 20

Non-interest income vs. expense

$0.8M$9.9MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 35% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 62.27%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%1.08%1.42%1.85%Beats 45%11 / 20
Return on Equity9.75%9.57%13.48%17.30%Beats 30%14 / 20
Net Interest Margin4.97%3.38%3.99%4.50%Beats 85%3 / 20
Efficiency Ratio62.27%47.39%61.42%73.60%Beats 35%14 / 20
Asset Quality
Nonperforming Loans / Loans1.61%0.05%0.79%1.63%Beats 32%14 / 19
Net Charge-Offs / Loans0.02%n/a0.00%0.03%Beats 42%12 / 19
Capital
Tier 1 Capital Ratio14.40%13.64%16.79%19.57%Beats 30%14 / 20
Total Risk-Based Capital Ratio15.55%14.77%17.61%20.82%Beats 30%14 / 20
Equity / Assets13.74%9.66%10.94%13.62%Beats 85%3 / 20
Liquidity & Funding
Loans / Deposits100.63%70.35%84.66%95.83%80th pctl4 / 20
Loans / Assets85.63%62.58%72.89%77.86%90th pctl2 / 20
Brokered Deposits / Depositsn/aNot reported for this institution