Craft Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 11.29 percentage points higher than in Q1 2026, at 100.63%. Craft Bank ranks 63rd of 121 Georgia banks on return on assets, in the lower half at 1.56% (Q2 2026). Craft Bank reported 1.56% on return on assets for Q2 2026, 0.31 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.40% |
| Tier 1 risk-based capital ratio | 14.40% |
| Total risk-based capital ratio | 15.55% |
| Tier 1 leverage ratio | 13.81% |
| Equity capital to assets | 13.74% |
| Tangible equity to tangible assets | 13.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.61% |
| Non-performing assets ratio | 1.38% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 9.31% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 75.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 11.55% |
| Net interest margin | 5.38% |
| Efficiency ratio | 59.58% |
| Yield on earning assets | 7.75% |
| Cost of funds | 2.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.63% |
| Core deposits to total deposits | 82.61% |
| Brokered deposits to total deposits | 14.29% |
| Deposits to assets | 85.09% |
| Securities to assets | 0.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.80% | 15.80% | 16.85% | 14.82% | 1.66% |
| Q4 2023 | 14.11% | 14.11% | 15.24% | 13.86% | 1.69% |
| Q1 2024 | 13.95% | 13.95% | 15.18% | 12.76% | 1.60% |
| Q2 2024 | 13.30% | 13.30% | 14.52% | 11.87% | 1.92% |
| Q3 2024 | 13.32% | 13.32% | 14.57% | 12.02% | 1.67% |
| Q4 2024 | 13.51% | 13.51% | 14.76% | 12.11% | 1.66% |
| Q1 2025 | 12.85% | 12.85% | 14.00% | 12.42% | 1.92% |
| Q2 2025 | 13.40% | 13.40% | 14.51% | 12.68% | 2.19% |
| Q3 2025 | 13.76% | 13.76% | 14.99% | 12.78% | 1.72% |
| Q4 2025 | 15.52% | 15.52% | 16.71% | 15.05% | 2.20% |
| Q1 2026 | 14.11% | 14.11% | 15.22% | 14.36% | 1.20% |
| Q2 2026 | 14.40% | 14.40% | 15.55% | 13.81% | 1.56% |
Craft Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Craft Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Craft Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59209) · FFIEC NIC profile (RSSD 5472880)