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Craft Bank
Atlanta, GA · FDIC Certificate #59209 · Chartered 10/1
Total assets
$305.94M
Total deposits
$260.33M
Total equity
$42.03M
Net loans
$258.78M
Branches (offices)
2
Net income (YTD)
$2.05M
Rank: #2,436 of 4,213 U.S. banks by assets · #66 of 123 in Georgia. Assets changed 15.8% and deposits 14.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 10.01% |
| Net interest margin (YTD) | 5.24% |
| Equity to assets | 13.74% |
| Tier 1 leverage ratio | 13.81% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 1.61% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 99.4% |
| Real estate loans (share of loans) | 67.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $175.77M | 67.9% | |
| Commercial & industrial | $86.00M | 33.2% | |
| Consumer / individual | $1.06M | 0.4% | |
| Construction & development | $58.57M | 22.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $128.88M | $104.56M | -$329.00K | $22.09M |
| Jun 2023 | $175.98M | $149.38M | $909.00K | $24.18M |
| Jun 2024 | $246.91M | $212.82M | $2.00M | $28.08M |
| Jun 2025 | $264.11M | $227.45M | $2.67M | $32.98M |
| Jun 2026 | $305.94M | $260.33M | $2.05M | $42.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $260.33M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.33M.
Similar-sized banks
Farmers And Merchants Bank ($306.07M) · Bank Irvine ($305.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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