Classic Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Classic Bank, N.A. is an FDIC-insured commercial bank headquartered in Cameron, TX, established in 1889 (FDIC certificate 3126), and it is supervised by the OCC. At Q2 2026 it reported total assets of $657.5M, down 3.1% from Q2 2025, the 131st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3126
- Headquarters
- Cameron, TX
- Established
- 1889
- Total assets, Q2 2026
- $657.5M
- Assets vs Q2 2025
- -3.1%
- CET1 ratio, Q2 2026
- 15.44%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 111902806
- Latest call report
- Q2 2026, FFIEC 051 · Classic Bank, N.A. call report
- Holding company
- CAMERON FINANCIAL CORPORATION
- Asset rank in state
- 131st of 346 in Texas
Problem loans are rising at Classic Bank, N.A.. Based in Cameron, Texas, it had $657 million in assets at June 30, 2026, down 3.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.26% of loans from 0.08% a year earlier. It lost 4.4% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also carries problem assets equal to 8.4% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $1.6 million was 48% below a year earlier.
As of June 30, 2026, Classic Bank, N.A. reported a CET1 capital ratio of 15.44%, a return on assets of 0.97%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 8.38%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Classic Bank, N.A. is the 131st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $657.5M, loans rose 3.7% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.1% of total loans, followed by owner-occupied commercial real estate loans at 16.2%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TX; its Cameron office books 27% of its branch deposits. By the capital ratios in its Q2 2026 call report, Classic Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 102 N Houston Ave, Cameron, TX 76520
- County
- Milam
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 22, 1889
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 96
- Domestic deposits
- $576.2M
- Allowance for credit losses
- $6.2M
- Net charge-offs (YTD)
- $52K
- Average total assets
- $668.6M
- Average total loans
- $521.2M
- Average interest-bearing deposits
- $440.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3126
- Fed RSSD
- 182951
- SEC CIK
- 934884 → filed by CAMERON FINANCIAL CORPORATION
- Website
- www.classic.bank →
- Parent Holding Company
- CAMERON FINANCIAL CORPORATION (RSSD 2762384)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Classic Bank, N.A.'s total assets ran between $647.9M (Q3 2025) and $735.2M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$657.5M total assets against $678.8M; $583.8M total liabilities against $612.8M.
$523.8M net loans and leases against $537.7M; $576.2M total deposits against $602.6M.
$87.0M securities against $82.6M; $7.3M cash and balances due against $21.1M.
$8.8M total interest income against $9.4M; $2.8M total interest expense against $3.5M.
$5.9M net interest income against $5.9M.
$62K total noninterest income against $1.3M; $4.3M total noninterest expense against $4.0M.
$104K provision for credit losses against $24K.
$1.6M net income against $3.1M.
0.97% return on assets against 1.78%; 3.84% net interest margin against 3.59%.
15.44% CET1 capital ratio against 14.38%; 11.58% tier 1 leverage ratio against 10.29%.
Inside the full Classic Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeClassic Bank, N.A. rankings
Its closest position to the top of a national ranking is 785 of 3,640, for Texas Ratio; its furthest is 2,698 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.97% (Q2 2026) to 2.43% (Q4 2025) and its net interest margin ran from 3.18% (Q3 2024) to 3.84% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.44% | 0.97% | 1.26% | 8.38% | 3.84% |
| Q1 2026 | 16.14% | 1.76% | 0.06% | 0.38% | 3.72% |
| Q4 2025 | 15.51% | 2.43% | 0.06% | 0.40% | 3.73% |
| Q3 2025 | 15.22% | 1.69% | 0.05% | 0.38% | 3.62% |
| Q2 2025 | 14.38% | 1.78% | 0.08% | 0.57% | 3.59% |
| Q1 2025 | 13.10% | 1.75% | 0.03% | 0.28% | 3.24% |
| Q4 2024 | 12.79% | 1.44% | 0.00% | 0.00% | 3.23% |
| Q3 2024 | 12.80% | 1.54% | 0.00% | 0.00% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Classic Bank, N.A. (main office) | Cameron , TX | 76520 | $155.0M |
| Giddings Branch | Giddings , TX | 78942 | $147.7M |
| Rosebud Branch | Rosebud , TX | 76570 | $81.3M |
| Liberty Hill Branch | Liberty Hill , TX | 78642 | $75.6M |
| Rockdale Branch | Rockdale , TX | 76567 | $73.7M |
| Thorndale Branch | Thorndale , TX | 76577 | $24.1M |
| Bastrop Branch | Bastrop , TX | 78602 | $18.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1995 | Structure Change | Acquired Lee County National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 1993 | Structure Change | Acquired The Planters National Bank of Rosebud Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 25, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 2, 1990, OCC: Formal Agreement: First National Bank In Cameron
- Period: Most recent institution action August 2, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 172 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 60 loans originated, $17.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $180K approved, $180K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Classic Bank, N.A.
What are Classic Bank, N.A.'s total assets?
As of the Q2 2026 filing, Classic Bank, N.A. reported total assets of $657.5 million in its FFIEC call report.
Where is Classic Bank, N.A. headquartered?
It is headquartered in Cameron, TX, United States.
When was Classic Bank, N.A. founded?
It was established in 1889, per the FDIC institution directory.
Is Classic Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Classic Bank, N.A.?
Classic Bank, N.A.'s primary federal regulator is the OCC.
What is Classic Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Classic Bank, N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Classic Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 8.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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