Craft Bank
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Data as of · sourced from FFIEC call reports. How we update
Craft Bank is an FDIC-insured commercial bank headquartered in Atlanta, GA, established in 2020 (FDIC certificate 59209), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $305.9M, up 15.8% from Q2 2025, the 65th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 14.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59209
- Headquarters
- Atlanta, GA
- Established
- 2020
- Total assets, Q2 2026
- $305.9M
- Assets vs Q2 2025
- +15.8%
- CET1 ratio, Q2 2026
- 14.40%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061021471
- Holding company
- CRAFT BANCSHARES, INC
- Asset rank in state
- 65th of 121 in Georgia
Problem loans are rising at Craft Bank. Based in Atlanta, Georgia, it had $306 million in assets at June 30, 2026, up 15.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.17% a year earlier. It keeps 5.38 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 19.4% over the year, 3.6 times the median of 5.5% for banks its size.
The commercial and industrial book ($86 million) is worsening: 2.79% of it is past due or on nonaccrual, up from 0.19% a year earlier. Loans are outrunning deposits: over the year loans rose 19.4% and deposits rose 14.5%. Funding is the softer spot: it pays an average of 2.71% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Craft Bank reported a CET1 capital ratio of 14.40%, a return on assets of 1.56%, a nonperforming-loan ratio of 1.61% and a Texas ratio of 5.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Craft Bank is the 65th largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets fell 5.1% to $305.9M, loans rose 5.3% and deposits fell 6.5%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 32.8% of total loans, ahead of construction and land development loans at 22.4%. Its 2 offices in the FDIC Summary of Deposits are in Atlanta, GA and Marietta, GA; its Atlanta office books 90% of its branch deposits. Judged on its Q2 2026 call report, Craft Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1575 Northside Dr Nw, Atlanta, GA 30318
- County
- Fulton
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 15, 2020
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $260.3M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $305.9M
- Average total loans
- $252.8M
- Average interest-bearing deposits
- $212.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 15, 2020
- FDIC Cert
- 59209
- Fed RSSD
- 5472880
- Website
- www.craft.bank →
- Parent Holding Company
- CRAFT BANCSHARES, INC (RSSD 5786916)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Craft Bank's total assets ran between $176.4M (Q3 2023) and $322.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$305.9M total assets against $264.1M; $263.9M total liabilities against $231.1M.
$258.8M net loans and leases against $216.6M; $260.3M total deposits against $227.4M.
$1.4M securities against $4.0M; $40.1M cash and balances due against $35.3M.
$5.8M total interest income against $5.5M; $1.8M total interest expense against $1.7M.
$4.0M net interest income against $3.8M.
$281K total noninterest income against $356K; $2.6M total noninterest expense against $2.2M.
$134K provision for credit losses against $0.
$1.2M net income against $1.4M.
1.56% return on assets against 2.19%; 5.38% net interest margin against 5.89%.
14.40% CET1 capital ratio against 13.40%; 13.81% tier 1 leverage ratio against 12.68%.
Inside the full Craft Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Craft Bank rankings
Its closest position to the top of a national ranking is 1,174 of 3,611, for ROA; its furthest is 2,426 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.20% (Q1 2026) to 2.20% (Q4 2025) and its net interest margin ran from 4.68% (Q3 2024) to 5.89% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.40% | 1.56% | 1.61% | 5.15% | 5.38% |
| Q1 2026 | 14.11% | 1.20% | 1.82% | 7.53% | 5.15% |
| Q4 2025 | 15.52% | 2.20% | 0.73% | 5.36% | 5.69% |
| Q3 2025 | 13.76% | 1.72% | 0.76% | 8.64% | 5.71% |
| Q2 2025 | 13.40% | 2.19% | 0.68% | 8.35% | 5.89% |
| Q1 2025 | 12.85% | 1.92% | 0.66% | 8.71% | 5.26% |
| Q4 2024 | 13.51% | 1.66% | 0.95% | 10.77% | 5.64% |
| Q3 2024 | 13.32% | 1.67% | 1.85% | 7.03% | 4.68% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Craft Bank (main office) | Atlanta , GA | 30318 | $233.1M |
| Access Cobb Branch | Marietta , GA | 30060 | $27.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 91 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 18 loans, $17.1M approved, $950K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Craft Bank
What are Craft Bank's total assets?
As of the Q2 2026 filing, Craft Bank reported total assets of $305.9 million in its FFIEC call report.
Where is Craft Bank headquartered?
It is headquartered in Atlanta, GA, United States.
When was Craft Bank founded?
It was established in 2020, per the FDIC institution directory.
Is Craft Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Craft Bank?
Craft Bank's primary federal regulator is the FDIC.
What is Craft Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Craft Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Craft Bank's Texas Ratio?
Its Texas Ratio is 5.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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