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
Unfavorable gap of $5.2M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.03% | 0.72% | 1.06% | 1.45% | Beats 95% | 36 / 746 | |
| Return on Equity | 18.68% | 6.74% | 10.51% | 13.63% | Beats 94% | 42 / 746 | |
| Net Interest Margin | 4.50% | 3.17% | 3.68% | 4.16% | Beats 88% | 90 / 746 | |
| Efficiency Ratio | 39.80% | 55.74% | 64.58% | 75.47% | Beats 97% | 21 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.04% | 11.55% | 13.75% | 17.60% | Beats 20% | 600 / 746 | |
| Total Risk-Based Capital Ratio | 11.04% | 11.71% | 14.33% | 18.43% | Beats 18% | 611 / 746 | |
| Equity / Assets | 10.88% | 8.90% | 10.51% | 13.06% | Beats 55% | 333 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 73.30% | 61.31% | 78.27% | 90.78% | 41st pctl | 442 / 746 | |
| Loans / Assets | 64.77% | 53.60% | 66.97% | 76.08% | 45th pctl | 414 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |