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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 assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

85

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 operating in a single state (n=743-746) · 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 operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets operating in a single state (rank 611 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.03%

Rank 36 of 746

Net Interest Margin

4.50%

Rank 90 of 746

Efficiency Ratio

39.80%

Rank 21 of 746

Equity / Assets

10.88%

Rank 333 of 746

Non-interest income vs. expense

$0.6M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.2M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state
Bank 39.80%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.03%0.72%1.06%1.45%Beats 95%36 / 746
Return on Equity18.68%6.74%10.51%13.63%Beats 94%42 / 746
Net Interest Margin4.50%3.17%3.68%4.16%Beats 88%90 / 746
Efficiency Ratio39.80%55.74%64.58%75.47%Beats 97%21 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.04%11.55%13.75%17.60%Beats 20%600 / 746
Total Risk-Based Capital Ratio11.04%11.71%14.33%18.43%Beats 18%611 / 746
Equity / Assets10.88%8.90%10.51%13.06%Beats 55%333 / 746
Liquidity & Funding
Loans / Deposits73.30%61.31%78.27%90.78%41st pctl442 / 746
Loans / Assets64.77%53.60%66.97%76.08%45th pctl414 / 746
Brokered Deposits / Depositsn/aNot reported for this institution