Classic City Bank
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Data as of · sourced from FFIEC call reports. How we update
Classic City Bank is an FDIC-insured commercial bank headquartered in Athens, GA, established in 2020 (FDIC certificate 59219), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $314.3M, up 24.8% from Q2 2025, the 63rd largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59219
- Headquarters
- Athens, GA
- Established
- 2020
- Total assets, Q2 2026
- $314.3M
- Assets vs Q2 2025
- +24.8%
- Tier 1 leverage ratio, Q2 2026
- 11.04%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061121481
- Latest call report
- Q2 2026, FFIEC 051 · Classic City Bank call report
- Holding company
- CCB BANCORP, INC.
- Asset rank in state
- 63rd of 121 in Georgia
Classic City Bank runs leaner than most banks of its size. Its balance sheet stood at $314 million at June 30, 2026, up 24.8% from a year earlier; it is based in Athens, Georgia. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 0.99% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.6 million, 34% above the same quarter a year earlier. Over the same year, loans grew 21.1% and deposits grew 25.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Classic City Bank reported a return on assets of 2.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Classic City Bank is the 63rd largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets rose 4.1% to $314.3M, loans rose 6.7% and deposits rose 4.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.4% of total loans, followed by non-owner-occupied commercial real estate loans at 20.8%. The FDIC Summary of Deposits lists a single office for it, in Athens, GA. By the capital ratios in its Q2 2026 call report, Classic City Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2365 W Broad St, Athens, GA 30606
- County
- Clarke
- Metro Area
- Athens-Clarke County, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 9, 2020
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $277.8M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $311.1M
- Average total loans
- $198.3M
- Average interest-bearing deposits
- $144.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 9, 2020
- FDIC Cert
- 59219
- Fed RSSD
- 5538937
- Website
- www.classiccitybank.com →
- Parent Holding Company
- CCB BANCORP, INC. (RSSD 5933318)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Classic City Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Classic City Bank's total assets ranged from $204.4M (Q3 2023) to $314.3M (Q2 2026), 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
$314.3M total assets against $251.9M; $280.1M total liabilities against $223.7M.
$201.4M net loans and leases against $166.4M; $277.8M total deposits against $221.4M.
$23.9M securities against $22.5M; $78.6M cash and balances due against $52.7M.
$4.3M total interest income against $3.6M; $679K total interest expense against $579K.
$3.6M net interest income against $3.0M.
$166K total noninterest income against $128K; $1.5M total noninterest expense against $1.3M.
$147K provision for credit losses against $182K.
$1.6M net income against $1.2M.
2.10% return on assets against 1.94%; 4.83% net interest margin against 4.97%.
11.04% tier 1 leverage ratio against 11.28%.
Inside the full Classic City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Classic City Bank rankings
Its closest position to the top of a national ranking is 174 of 3,606, for efficiency ratio; its furthest is 3,463 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.35% (Q4 2024) to 2.23% (Q3 2025) and its net interest margin ran from 4.67% (Q1 2025) to 5.09% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.04% | 2.10% | 0.00% | 0.00% | 4.83% |
| Q1 2026 | 11.20% | 2.14% | 0.00% | 0.00% | 4.80% |
| Q4 2025 | 11.32% | 2.19% | 0.00% | 0.00% | 5.05% |
| Q3 2025 | 11.51% | 2.23% | 0.00% | 0.00% | 5.09% |
| Q2 2025 | 11.28% | 1.94% | 0.00% | 0.00% | 4.97% |
| Q1 2025 | 11.34% | 1.98% | 0.00% | 0.00% | 4.67% |
| Q4 2024 | 11.13% | 1.35% | 0.00% | 0.00% | 4.77% |
| Q3 2024 | 10.80% | 1.63% | 0.00% | 0.00% | 4.80% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 City Bank (main office) | Athens , GA | 30606 | $277.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 89 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 City Bank
What are Classic City Bank's total assets?
As of the Q2 2026 filing, Classic City Bank reported total assets of $314.3 million in its FFIEC call report.
Where is Classic City Bank headquartered?
It is headquartered in Athens, GA, United States.
When was Classic City Bank founded?
It was established in 2020, per the FDIC institution directory.
Is Classic City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Classic City Bank?
Classic City Bank's primary federal regulator is the FDIC.
How many branches does Classic City Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Classic City Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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