Atlanta, GA · Cert 59209 · Craft Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.1% share · #42 of 81 inst. · $0.3B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.70% | 1.87% | 2.03% | 1.91% | 1.98% | 1.15% | 1.37% | -66 bps | |
| Return on Equity | 14.62% | 14.48% | 15.90% | 16.88% | 15.81% | 15.66% | 8.45% | 10.01% | -687 bps | |
| Net Interest Margin | 4.73% | 4.83% | 5.11% | 5.36% | 5.33% | 5.42% | 5.01% | 4.97% | -39 bps | |
| Efficiency Ratio | 53.83% | 53.82% | 56.84% | 54.87% | 56.35% | 54.57% | 65.42% | 62.27% | +741 bps | |
| Non-Interest Burden | 2.17% | 2.33% | 2.66% | 2.69% | 2.79% | 2.74% | 3.23% | 3.00% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.27% | 22.81% | 14.21% | 6.97% | 14.32% | 3.11% | 23.63% | 15.84% | +888 bps | |
| Loan Growth (YoY) | 41.32% | 24.68% | 20.51% | 9.49% | 10.84% | 11.63% | 10.46% | 19.41% | +992 bps | |
| Deposit Growth (YoY) | 38.80% | 22.93% | 17.21% | 6.87% | 15.55% | 0.52% | 22.85% | 14.46% | +758 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.85% | 0.95% | 0.66% | 0.68% | 0.76% | 0.73% | 1.82% | 1.61% | +93 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.14% | 0.15% | 0.12% | 0.10% | -0.01% | 0.02% | -13 bps | |
| Allowance / Loans | 1.29% | 1.34% | 1.26% | 1.26% | 1.28% | 1.27% | 1.26% | 1.22% | -4 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.4x | 1.9x | 1.9x | 1.7x | 1.7x | 0.7x | 0.8x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.02% | 12.11% | 12.42% | 12.68% | 12.78% | 15.05% | 14.36% | 13.81% | +114 bps | |
| Total Risk-Based Capital | 14.57% | 14.76% | 14.00% | 14.51% | 14.99% | 16.71% | 15.22% | 15.55% | +104 bps | |
| Equity / Assets | 12.06% | 11.47% | 12.09% | 12.49% | 12.36% | 14.73% | 12.67% | 13.74% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.00% | 92.32% | 99.36% | 96.46% | 94.00% | 102.52% | 89.34% | 100.63% | +418 bps | |
| Liquid Assets / Assets | 11.96% | 15.87% | 8.69% | 12.19% | 15.58% | 10.80% | 19.98% | 12.24% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 377% | 339% | 350% | n/a | n/a | |