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Classic City Bank

Athens, GA · Cert 59219 · CCB Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

90

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Classic City Bank

Athens, GA · Cert 59219 · CCB Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$314.3MAssets
$203.6MLoans
$277.8MDeposits
$34.2MEquity
Loan mix
92%RE $175.0M8%C&I $15.8M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $146.2M47%Noninterest $131.5MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.44%Q2 ’255.32%Q2 ’26+5%+0%

Non-interest income vs. expense

1.98%Q2 ’242.02%Q2 ’251.87%Q2 ’26+1%-8%

Market Position · Athens-Clarke County, GA · 2026 SOD (annual) · 4.3% share · #8 of 19 inst. · $0.3B of $6.4B

Executive Summary

  • Earnings: ROA of 2.11%, up 13 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.04%, down 24 bps from a year ago.
  • Funding: loans stand at 73.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.11%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+1 bps YoY

Efficiency Ratio (YTD, annualized)

39.80%-316 bps YoY

Tier 1 Leverage Ratio

11.04%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%2.07%2.09%2.09%2.11%+13 bps
Return on Equity17.88%18.57%18.90%19.46%19.50%+162 bps
Net Interest Margin4.50%4.53%4.39%4.63%4.50%+1 bps
Efficiency Ratio42.96%41.56%42.25%40.65%39.80%-316 bps
Non-Interest Burden1.82%1.77%1.74%1.77%1.68%-14 bps
Growth
Asset Growth (YoY)13.75%8.16%28.43%20.53%24.81%+1,107 bps
Loan Growth (YoY)12.90%16.40%22.18%25.59%21.09%+818 bps
Deposit Growth (YoY)13.11%6.83%29.44%20.66%25.43%+1,233 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%1.06%1.08%1.06%1.07%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.28%11.51%11.32%11.20%11.04%-24 bps
Total Risk-Based Capital11.28%11.51%11.32%11.20%11.04%-24 bps
Equity / Assets11.17%11.53%10.69%10.81%10.88%-29 bps
Liquidity & Funding
Loans / Deposits75.93%78.02%71.85%71.54%73.30%-263 bps
Liquid Assets / Assets20.10%19.02%25.41%26.28%24.45%+434 bps
CRE / Total Capitaln/a332%330%305%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Classic City Bank

Athens, GA · Cert 59219 · Peer group: banks under $1B in assets (n=570-617) · CCB Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$314.3MAssets
$203.6MLoans
$277.8MDeposits
$34.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
  • Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 497 of 617).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.03%

Rank 70 of 617

Net Interest Margin

4.50%

Rank 65 of 617

Efficiency Ratio

39.80%

Rank 20 of 617

Equity / Assets

10.88%

Rank 284 of 617

Non-interest income vs. expense

$0.6M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 97% of banks under $1B in assets
Bank 39.80%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.03%0.60%1.01%1.45%Beats 89%70 / 617
Return on Equity18.68%5.30%9.43%13.30%Beats 92%51 / 617
Net Interest Margin4.50%3.04%3.54%4.05%Beats 89%65 / 617
Efficiency Ratio39.80%58.03%67.76%79.08%Beats 97%20 / 617
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%78 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio11.04%11.18%13.83%18.55%Beats 24%472 / 617
Total Risk-Based Capital Ratio11.04%11.56%14.39%19.39%Beats 19%497 / 617
Equity / Assets10.88%9.03%10.55%13.63%Beats 54%284 / 617
Liquidity & Funding
Loans / Deposits73.30%64.77%79.70%93.06%37th pctl364 / 582
Loans / Assets64.77%51.70%67.18%77.51%45th pctl341 / 617
Brokered Deposits / Depositsn/aNot reported for this institution