Craft Bank: how it compares with its peers
Against 74 GA banks with half to twice its assets, Craft Bank's strongest measure in Q2 2026 is assets per employee ($11.8M vs. a $6.6M peer median). Its weakest relative measure is return on assets (1.37% vs. 1.59%).
| Measure | Craft Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.59% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.24% | 4.57% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.27% | 58.08% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.8M | $6.6M | Top third Ahead of 95% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.41% | 78.41% | Context |
What it means for lending operations
Its efficiency ratio of 62.27% is above the 58.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Claxton Bank Bellville, GA · $305M
- United National Bank Cairo, GA · $309M
- Durden Banking Company, Incorporated Twin City, GA · $299M
- Classic City Bank Athens, GA · $314M
- Community Banking Company Fitzgerald, GA · $297M
- Georgia First Bank Soperton, GA · $291M
Questions about Craft Bank
How big is Craft Bank?
Craft Bank, established in 2020, is headquartered in Atlanta, GA. It reported $306M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Craft Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.59% median for 74 GA banks with half to twice its assets, ahead of 27% of them.
What is Craft Bank's efficiency ratio?
62.27% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 58.08%, and lower is better.
Is Craft Bank growing its loans?
Net loans grew 19.5% over the year to Q2 2026, while deposits grew 14.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.