BlastPoint's Banking Scorecard
Craft Bank
Micro
Specialty: Commercial
GA
FDIC cert 59209
Designations: ✓ Community bank
Atlanta, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Craft Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.89% above tier
- + Net Interest Margin 1.78% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$271.6M
+3.1% YoY
-1.9% QoQ
|
+$54.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$231.3M
+11.7% YoY
+4.4% QoQ
|
+$92.1M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$228.5M
+0.5% YoY
-4.3% QoQ
|
+$44.8M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.98%
+16.4% YoY
+3.4% QoQ
|
+0.89% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
5.64%
+7.1% YoY
+0.2% QoQ
|
+1.78% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
54.57%
+1.4% YoY
-3.2% QoQ
|
-13.16% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.74%
-22.9% YoY
-4.2% QoQ
|
+0.10% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
101.22%
+11.1% YoY
+9.1% QoQ
|
+26.69% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.57%
-26.5% YoY
-6.3% QoQ
|
-3.82% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.32%
-30.0% YoY
-15.5% QoQ
|
+0.87% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
15.52%
+14.8% YoY
+12.7% QoQ
|
+6.66% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.46%
-19.7% YoY
+25.4% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.98%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.64%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.22%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.64% · Tier avg: 3.85%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
82
82th pctile
Efficiency Ratio
Current: 54.57% · Tier avg: 67.73%
81
81th pctile
Total Loans
Current: $231.3M · Tier avg: $139.2M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
66
66th pctile
Total Deposits
Current: $228.5M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $271.6M · Tier avg: $217.5M
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.57% · Tier avg: 22.39%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.22% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.22% · Tier avg: 74.53%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.57% · Tier avg: 22.39%
36
36th pctile
Delinquency Rate
Current: 0.74% · Tier avg: 0.64%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
66
66th pctile
Total Assets
Current: $271.6M · Tier avg: $217.5M
66
66th pctile
Total Deposits
Current: $228.5M · Tier avg: $183.7M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.52% · Tier avg: 8.85%
81
81th pctile
Total Loans
Current: $231.3M · Tier avg: $139.2M
82
82th pctile
Efficiency Ratio
Current: 54.57% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.64% · Tier avg: 3.85%