Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 13.2 percent and a “hot money” ratio of 7.9 percent. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (8.7) profitability.
Asset Mix:
Comm re (32%), comm loans (23%), cash (10%), home mtgs (6%), home eq lns (3%), securities (2%), consumer loans (1%), other (23%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
--
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Craft Bancshares, Inc.
Investment Rating
--
Address
1575 Northside Drive, NW
Atlanta, GA 30318
Atlanta, GA 30318
Phone Number
(678) 736-5060
Year Founded
2020
FDIC Number
Website
Largest Affiliates
No affiliate information available.