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 5.1 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Very Weak liquidity 0.3, driven by a liquidity ratio of 15.7 percent and a “hot money” ratio of 6.8 percent. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Excellent (7.3) profitability.
Asset Mix:
Comm re (28%), comm loans (28%), cash (13%), home mtgs (5%), home eq lns (3%), securities (0%), consumer loans (0%), other (22%)
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
There are no affiliate to display.