Bank Comparison
Tandem Bank vs Craft Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Tandem Bank | Craft Bank |
|---|---|---|
| CET1 Ratio | 15.22% | 14.11% |
| Tier 1 Capital Ratio | 15.22% | 14.11% |
| Total Capital Ratio | 16.48% | 15.22% |
| Tier 1 Leverage Ratio | 11.98% | 14.36% |
| Equity / Assets | 11.88% | 12.67% |
Profitability
| Metric | Tandem Bank | Craft Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 1.20% |
| Return on Equity (ROE) | 8.38% | 8.45% |
| Net Interest Margin (NIM) | 3.84% | 5.15% |
| Yield on Earning Assets | 6.16% | 7.46% |
| Cost of Funds | 2.64% | 2.55% |
Asset quality
| Metric | Tandem Bank | Craft Bank |
|---|---|---|
| Texas Ratio | 1.37% | 14.57% |
| Non-Performing Loan Ratio | 0.24% | 1.82% |
| Non-Performing Asset Ratio | 0.18% | 1.99% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.26% | 1.26% |
Balance sheet
| Metric | Tandem Bank | Craft Bank |
|---|---|---|
| Total Assets | $315,715K | $322,386K |
| Total Deposits | $252,984K | $278,362K |
| Total Loans | $226,093K | $248,693K |
| Total Equity | $37,492K | $40,843K |
| Net Income (quarter) | $777 | $854 |
Liquidity & funding
| Metric | Tandem Bank | Craft Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.37% | 89.34% |
| Core Deposit Ratio | 87.87% | 97.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tandem Bank | Craft Bank |
|---|---|---|
| Headquarters City | TUCKER | ATLANTA |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 30 | 24 |
| Established | Sept. 23, 2019, midnight | Oct. 15, 2020, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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