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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 $0.3MQ3 2024Q2 2026
Deposit mix
53%Interest-bearing $146.2M47%Noninterest $131.5MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.84%1.73%1.97%1.97%2.07%2.09%2.09%2.11%+13 bps
Return on Equity17.74%16.36%18.03%17.88%18.57%18.90%19.46%19.50%+162 bps
Net Interest Margin4.26%4.33%4.46%4.50%4.53%4.39%4.63%4.50%+1 bps
Efficiency Ratio43.44%43.96%43.71%42.96%41.56%42.25%40.65%39.80%-316 bps
Non-Interest Burden1.75%1.80%1.83%1.82%1.77%1.74%1.77%1.68%-14 bps
Growth
Asset Growth (YoY)17.10%11.18%17.13%13.75%8.16%28.43%20.53%24.81%+1,107 bps
Loan Growth (YoY)11.61%16.29%11.79%12.90%16.40%22.18%25.59%21.09%+818 bps
Deposit Growth (YoY)16.63%10.19%16.79%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.00%1.01%1.05%1.06%1.08%1.06%1.07%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.80%11.13%11.34%11.28%11.51%11.32%11.20%11.04%-24 bps
Total Risk-Based Capital10.80%11.13%11.34%11.28%11.51%11.32%11.20%11.04%-24 bps
Equity / Assets10.40%11.17%10.76%11.17%11.53%10.69%10.81%10.88%-29 bps
Liquidity & Funding
Loans / Deposits71.60%76.12%68.74%75.93%78.02%71.85%71.54%73.30%-263 bps
Liquid Assets / Assets21.63%18.54%26.98%20.10%19.02%25.41%26.28%24.45%+434 bps
CRE / Total Capitaln/an/an/an/a332%330%305%n/an/a