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
Unfavorable gap of $9.2M · efficiency ratio beats 35% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 1.08% | 1.42% | 1.85% | Beats 45% | 11 / 20 | |
| Return on Equity | 9.75% | 9.57% | 13.48% | 17.30% | Beats 30% | 14 / 20 | |
| Net Interest Margin | 4.97% | 3.38% | 3.99% | 4.50% | Beats 85% | 3 / 20 | |
| Efficiency Ratio | 62.27% | 47.39% | 61.42% | 73.60% | Beats 35% | 14 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.05% | 0.79% | 1.63% | Beats 32% | 14 / 19 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 42% | 12 / 19 | |
| Capital |
| Tier 1 Capital Ratio | 14.40% | 13.64% | 16.79% | 19.57% | Beats 30% | 14 / 20 | |
| Total Risk-Based Capital Ratio | 15.55% | 14.77% | 17.61% | 20.82% | Beats 30% | 14 / 20 | |
| Equity / Assets | 13.74% | 9.66% | 10.94% | 13.62% | Beats 85% | 3 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 100.63% | 70.35% | 84.66% | 95.83% | 80th pctl | 4 / 20 | |
| Loans / Assets | 85.63% | 62.58% | 72.89% | 77.86% | 90th pctl | 2 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |