# CRAFT BANK
ATLANTA, GA · FDIC certificate 59209 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $305.9M | |
| Deposits | $260.3M | |
| Loans and leases | $262.0M | |
| Total equity | $42.0M | |
| Loans / deposits | 99.41% (p88 of band) | 82.04% |
| Liquid assets / assets | 13.58% (p13 of band) | |
| Uninsured deposits / deposits | 29.49% (p64 of band) | 25.97% |
| Brokered deposits | 12.16% | |
| Wholesale funding | 12.16% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.81% (p84 of band) | 10.81% |
| Unrealized securities loss / equity | -0.71% (p88 of band) | -8.10% |
| AOCI / equity | -0.03% (p72 of band) | |
| ROA (annualized) | 1.37% (p56 of band) | 1.28% |
| Net interest margin | 5.24% (p96 of band) | 3.91% |
| Efficiency ratio | 62.27% (p53 of band) | |
| Noncurrent loans | 1.61% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 75.91% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 139.36% (p96 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-12 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 | capital falling | NIM <2.5% |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | loans exceed deposits |  |
| 2022-03 | 3 |  | loans exceed deposits |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | loans exceed deposits, uninsured deposits >50%, run vulnerability, construction >100% equity | losing money, expense ratio p90 |
| 2022-12 | 4 |  | loans exceed deposits |
| 2023-03 | 2 |  | uninsured deposits >50%, run vulnerability |
| 2023-06 | 3 | uninsured deposits >50% |  |
| 2023-09 | 3 | brokered >10%, charge-offs p90 | capital falling, uninsured deposits >50% |
| 2023-12 | 2 |  | charge-offs p90 |
| 2024-03 | 4 | wholesale funding >15%, capital falling |  |
| 2024-06 | 5 | uninsured deposits leaving |  |
| 2024-09 | 4 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2024-12 | 3 |  | reserve under noncurrent |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 3 |  | charge-offs p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | loans exceed deposits, uninsured deposits leaving |  |
| 2026-03 | 3 | reserve under noncurrent | wholesale funding >15%, loans exceed deposits, uninsured deposits leaving |
| 2026-06 | 4 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-01-03 [Group proposes to launch first new community bank inside Perimeter in 11 years - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdmRFbTZNYVV3Wlc4aWRIbjRxWTdnbFMzamk3eGdfN3pVbFhmS2Q3NDV3VUZmR0llSFc1Tzd6VExhRHVoRVotbF8zMjJ4b1pDaWRtM1VzbFJRRE40N1A3cHQwbXMxTC1wZlJhVThiWXFwXy1XMWVQeWx4SjRyaWhTYkw1cXpsNk5ObTVEbTFRaHIza1BwRjRmcGYtOHpaRnVNLURVbzh0ejU?oc=5) · The Business Journals
- 2025-05-08 [Marietta Square Welcomes New Locally Led Bank - Marietta Daily Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxPNjA2RGJxd1dYUVFoU3lZaUhmUDBEbEF3cC1PSThoQnRkVGlfTjdkMFVnSTl3b2hFYlZUb0VEVzhDcXcteG1rZ1EtZ2Y3dFgwRVFCM0tiemw1MkV0NTR1TGJGM0xuVjI2QTFaaXdoVDZUVXcwSllNYmZPQ2d6SXBndkpRNWVtd0dreTFmVGkzMnMtUzlEM3ktTy04UmNhWkNtajR6NkZ1TGUwZ3FEUi1JQkM1NGp4S0cySFY0Wkl0UTBIdFI5UHh4NTdUVFE?oc=5) · Marietta Daily Journal
- 2024-09-18 [Where have all the new banks gone? - American Banker](https://news.google.com/rss/articles/CBMieEFVX3lxTE1rYVdSbmxMT2dfSlhQd0x6WjBGSG53eEJuYXp4R3ZOWFhoOVcwN3pCSFZzWnZjR1R3b3lzMy1jRG1BbVlQYXFhWkNDQ2d5SEpYVkU2OHpDOFc1VTdyUFJxWFlvVE9VMmVySTJGMGFIdmM1ZnJNUDlzNA?oc=5) · American Banker
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2025-07-09 [Access Cobb Debuts as Cobb County’s Only Headquartered Community Bank - Marietta Daily Journal](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOSVl4dzFkUjE5LUVTc2FqOHJoT2hCaDA2Q3pHSFZzZDlpWXc0Rmpja2ZOY29EUE9BRWFwMGhqOUpjaDdGTmI0ZUpEUDJodGw2dlNDYmkyU2FCVkZwaDVHUEhFUmVWVE5GU0hUVEo5TS1jLWxYZzhnX0paZ0M5ZTlVSEpyeUVsY2R1bGE1Nk53VlNxQkFUa0VjRnh5TEg0eXJKZWFNLWRUMkxwbmZ4WjI4RFRjTGxTWEF5OTdjNjNoM0Z1TzVyOEFqRVJlVVZMUVdhTUxQWl9vdFlRUHNhcjRVTkhHaGk?oc=5) · Marietta Daily Journal
- 2024-10-17 [Craft ai Revenue 2024: $3.2M Est. ARR - GetLatka](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9ncW5LbXlvakNFdnZnMzIwTVlYTTdGNFp5SGE0V25zcGtTMWwtaXZTal96eXNPS29vNnNIV0tiU1FtU2ZITlltQU5oVmo4RlR4?oc=5) · GetLatka

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59209 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "59209", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide