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
Unfavorable gap of $5.2M · efficiency ratio beats 97% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.03% | 0.60% | 1.01% | 1.45% | Beats 89% | 70 / 617 | |
| Return on Equity | 18.68% | 5.30% | 9.43% | 13.30% | Beats 92% | 51 / 617 | |
| Net Interest Margin | 4.50% | 3.04% | 3.54% | 4.05% | Beats 89% | 65 / 617 | |
| Efficiency Ratio | 39.80% | 58.03% | 67.76% | 79.08% | Beats 97% | 20 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 78 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 11.18% | 13.83% | 18.55% | Beats 24% | 472 / 617 | |
| Total Risk-Based Capital Ratio | 11.04% | 11.56% | 14.39% | 19.39% | Beats 19% | 497 / 617 | |
| Equity / Assets | 10.88% | 9.03% | 10.55% | 13.63% | Beats 54% | 284 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 73.30% | 64.77% | 79.70% | 93.06% | 37th pctl | 364 / 582 | |
| Loans / Assets | 64.77% | 51.70% | 67.18% | 77.51% | 45th pctl | 341 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |