| Metric | Craft Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.8% | +4.4% | +11.5 pts |
| Deposit growth (YoY) | +14.5% | +4.0% | +10.5 pts |
| Loan growth (YoY) | +19.4% | +5.6% | +13.9 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $305.9M | $260.3M | $258.8M | $42.0M | $2.0M | 1.37% | 5.24% | 1.38% |
| Q1 2026 | $322.4M | $278.4M | $245.6M | $40.8M | $854K | 1.15% | 4.99% | 1.99% |
| Q4 2025 | $271.6M | $228.5M | $231.3M | $40.0M | $5.3M | 1.98% | 5.64% | 1.32% |
| Q3 2025 | $276.7M | $238.8M | $221.6M | $34.2M | $3.8M | 1.91% | 5.63% | 1.56% |
| Q2 2025 | $264.1M | $227.4M | $216.6M | $33.0M | $2.7M | 2.03% | 5.59% | 1.55% |
| Q1 2025 | $260.8M | $226.6M | $222.3M | $31.5M | $1.2M | 1.87% | 5.22% | 1.58% |
| Q4 2024 | $263.4M | $227.3M | $207.0M | $30.2M | $4.1M | 1.70% | 5.26% | 1.88% |
| Q3 2024 | $242.1M | $206.7M | $199.9M | $29.2M | $3.0M | 1.73% | 5.13% | 2.08% |
Loan mix (Q2 2026): real estate $175.8M · commercial $86.0M · consumer $1.1M · securities $1.4M
| Ratio | Craft Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 62.9% | 49th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Craft Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Craft Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Craft Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Craft Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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