Craft Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Craft Bank of Atlanta, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.34% | +0.22% | 67th above |
| ROAE | 11.55% | 13.31% | -1.76% | 45th below |
| Net Interest Margin | 5.38% | 3.93% | +1.45% | 96th top |
| Efficiency Ratio | 59.58% | 61.14% | -1.56% | 56th above |
| PPNR / Avg Assets | 2.28% | 1.68% | +0.60% | 83rd top |
| Yield on Earning Assets | 7.75% | 5.67% | +2.08% | 98th top |
| Cost of Funds | 2.71% | 1.88% | +0.83% | 10th bottom |
| Net Interest Spread | 4.53% | 3.32% | +1.21% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.61% | 0.94% | +0.67% | 17th bottom |
| NPA / Total Assets | 1.38% | 0.70% | +0.68% | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 53rd above |
| ACL / NPLs (Coverage) | 75.91% | 1539.15% | -1463.24% | 20th bottom |
| Texas Ratio | 9.31% | 7.33% | +1.98% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 793.75% | 1395.76% | -602.01% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.40% | 19.50% | -5.10% | 43rd below |
| Tier 1 Ratio | 14.40% | 19.54% | -5.14% | 43rd below |
| Total Capital Ratio | 15.55% | 20.62% | -5.07% | 43rd below |
| Leverage Ratio | 13.81% | 12.14% | +1.67% | 80th top |
| Equity / Assets | 13.74% | 11.37% | +2.37% | 83rd top |
| TCE / Tangible Assets | 13.74% | 11.09% | +2.65% | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.63% | 80.63% | +20.00% | 11th bottom |
| Core Deposit Ratio | 82.61% | 86.86% | -4.25% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.84% | 6.85% | +8.99% | 92nd top |
| Loan Growth (Y/Y) | 19.41% | 7.90% | +11.51% | 92nd top |
| Deposit Growth (Y/Y) | 14.46% | 6.29% | +8.17% | 90th top |
See Craft Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Craft Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Craft Bank profile, how to read a UBPR, or how this data updates.