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Craft Bank

$100M-$1B Specialty: Commercial GA FDIC cert 59209

Atlanta, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +14.5% year over year ($260.3M on the books).
  • Delinquency rate 1.63%.
  • Return on assets 1.37%.
  • Efficiency ratio 62.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.41% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Craft Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 1.25% above tier average
  • + Efficiency Ratio 2.21% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 42.7% in tier
  • - Cost Spiral: Bottom 48.5% in tier
  • - Delinquency Rate 0.71% above tier average
Get updates when Craft Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $305.9M
+15.8% YoY -5.1% QoQ
-$80.6M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $258.8M
+19.5% YoY +5.4% QoQ
+$438K $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $260.3M
+14.5% YoY -6.5% QoQ
-$66.4M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.37%
-32.6% YoY +18.8% QoQ
+0.04% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
57%
Net Interest Margin ? 5.24%
-6.4% YoY +4.9% QoQ
+1.25% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 5.1% in tier
Efficiency Ratio ? 62.27%
+13.5% YoY -4.8% QoQ
-2.21% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 1.63%
+136.9% YoY -11.8% QoQ
+0.71% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 99.41%
+4.4% YoY +12.7% QoQ
+21.45% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Bottom 10.9% in tier
Non-Interest-Bearing Deposit Share ? 18.82%
-9.9% YoY +5.6% QoQ
-3.21% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 1.38%
-11.3% YoY -30.7% QoQ
+0.71% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 13.7% in tier
Tier 1 Capital Ratio ? 14.40%
+7.5% YoY +2.1% QoQ
-1.50% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.12%
-54.9% YoY +310.6% QoQ
-0.44% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 18.8%
-2.1pp YoY
+1.0pp QoQ
 -3.3pp 22.1% 26.2% 22.2% 39%
Brokered Deposits 14.3%
-6.8pp YoY
+0.5pp QoQ
 +6.4pp 7.9% 7.5% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 33.2%
+0.7pp YoY
+1.2pp QoQ
 +21.7pp 11.6% 9.7% 12.5% 97%
CRE 58.1%
+0.7pp YoY
-0.4pp QoQ
 +18.5pp 39.5% 48.9% 41.4% 82%
1-4 Family 9.9%
-0.8pp YoY
-0.8pp QoQ
 -22.8pp 32.6% 31.7% 31.3% 11%
Consumer 0.4%
-0.6pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 4.8% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 14.4%
+1.0pp YoY
+0.3pp QoQ
 -4.4pp 18.8% 20.9% 19.7% 43%
Leverage Ratio 13.8%
+1.1pp YoY
-0.6pp QoQ
 +1.6pp 12.2% 14.0% 12.6% 80%
Total Capital Ratio 15.5%
+1.0pp YoY
+0.3pp QoQ
 -4.4pp 19.9% 22.1% 20.8% 43%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 26
-2 (-7.1%) YoY
+2 (+8.3%) QoQ
 -33 58 98 482 21%
Assets per Employee ($) $11.8M
+24.8% YoY
-12.4% QoQ
 +$4.2M $7.5M $7.5M $8.8M 92%
Branch Count 2
+1 (+100.0%) YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.6%
+0.9pp YoY
-0.2pp QoQ
 +0.7pp 0.9% 0.8% 1.0% 83%
Allowance Coverage 0.76x
-59.0% YoY
+9.9% QoQ
 -23.39x 24.15x 38.10x 20.23x 19%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 57%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 10.0%
-6.9pp YoY
+1.6pp QoQ
 -2.2pp 12.2% 13.6% 11.6% 37%
Cost of Funds (YTD) 2.3%
-0.4pp YoY
+0.1pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 85%
Net Income ($, YTD) $2.0M
-23.1% YoY
— QoQ
 -$505K $2.6M $6.6M $40.4M 53%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#132 of 307 • Bottom 42.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.37%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#68 of 138 • Bottom 48.5% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 62.27%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

136
Net Interest Margin
profitability
Value: 5.24%
Peer Median: 3.99%
#136 of 2643 Top 5.1% in $100M-$1B

Top Weaknesses (3 metrics)

2357
Loan-to-Deposit Ratio
liquidity
Value: 99.41%
Peer Median: 77.95%
#2357 of 2643 Bottom 10.9% in $100M-$1B
2283
Nonperforming Asset Ratio
credit_quality
Value: 1.38%
Peer Median: 0.67%
#2283 of 2643 Bottom 13.7% in $100M-$1B
2183
Delinquency Rate
credit_quality
Value: 1.63%
Peer Median: 0.92%
#2183 of 2633 Bottom 17.1% in $100M-$1B
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