BlastPoint's Banking Scorecard
Craft Bank
Atlanta, GA
2 branches across GA
Craft Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + Efficiency Ratio 1.00% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 43.6% in tier
- - NIB Deposit Bleed: Bottom 45.5% in tier
- - Cost Spiral: Bottom 46.8% in tier
- - Nonperforming Asset Ratio 1.35% above tier average
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$322.4M
+23.6% YoY
+18.7% QoQ
|
-$63.7M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$245.6M
+10.5% YoY
+6.2% QoQ
|
-$10.2M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$278.4M
+22.9% YoY
+21.8% QoQ
|
-$49.6M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.15%
-38.6% YoY
-41.9% QoQ
|
-0.12% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
4.99%
-4.3% YoY
-11.4% QoQ
|
+1.06% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 7.3% in tier |
| Efficiency Ratio ? |
64.29%
+13.1% YoY
+17.8% QoQ
|
-1.00% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
1.84%
+173.9% YoY
+149.5% QoQ
|
+0.96% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.1% in tier |
| Loan-to-Deposit Ratio ? |
88.22%
-10.1% YoY
-12.8% QoQ
|
+11.58% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
17.82%
-17.1% YoY
-4.1% QoQ
|
-4.20% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.99%
+26.1% YoY
+50.5% QoQ
|
+1.35% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.9% in tier |
| Tier 1 Capital Ratio ? |
14.11%
+9.8% YoY
-9.1% QoQ
|
-1.72% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.05%
-64.3% YoY
-89.0% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
20% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.