Craft Bank
Atlanta, Georgia, Fulton County
$306M in total assets, the 2,473rd largest of 4,309 US banks and 68th of 125 headquartered in Georgia.
- FDIC certificate
- 59209
- Established
- 2020
- Owned by
- Craft Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.craft.bank
At a glance
Compared with 98 banks headquartered in Georgia with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $306M | 45% | $341M | |
| Loans | $262M | 57% | $239M | |
| Deposits | $260M | 47% | $302M | |
| Return on assets | 1.62% | 56% | 1.54% | |
| Net interest margin | 5.24% | 88% | 4.51% | |
| Efficiency ratio | 62.3% | 72% | 57.5% | |
| Equity to assets | 13.74% | 80% | 10.89% | |
| Loans to deposits | 101% | 96% | 79% |
Growth
Total assets grew 34.7% a year over the last 5 years.
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fulton County, GA | $233M | 0.2% | 24 of 46 |
| Cobb County, GA | $27M | 0.1% | 24 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (0 to 2). 2 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 0 | |||
| 2020 | Opened Atlanta | 1 | 0 | +1 | 1 |
| 2025 | Opened Marietta | 1 | 0 | +1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 32% | |
| Business (C&I) | 33% | 9% | |
| Construction and land | 22% | 12% | |
| 1-4 family residential | 10% | 31% | |
| Multifamily | 2% | 3% | |
| Consumer | 0% | 4% | |
| Farmland | 0% | 7% | |
| Agricultural | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 44% | |
| Time deposits | 21% | 30% | |
| Noninterest-bearing | 19% | 26% |
Brokered deposits are 14.3% of deposits (peers 2.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.89% | 0.31% |
| Net charge-offs, annualized | 0.03% | 0.00% |
| Reserves to loans | 1.22% | 1.37% |
| Leverage ratio | 13.81% | 11.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Fulton County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/craft