Classic City Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 15.35 percentage points higher than in Q1 2026, at 206.57%. Within Georgia, Classic City Bank is 71st of 122 on loan-to-deposit ratio, 73.30% as of Q2 2026, below the middle of the field. Classic City Bank reported 73.30% on loan-to-deposit ratio for Q2 2026, 7.54 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $203.6M |
| Net loans and leases | $201.4M |
| Loans held for sale | $0 |
| Loans to total assets | 64.77% |
| Loan-to-deposit ratio | 73.30% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.99% |
| Multifamily (5+ residential) | 10.72% |
| Commercial and industrial | 7.21% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.57% |
| Construction concentration (Tier 1 capital + allowance) | 30.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $3.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $136.1M | $181.9M | 38.62% | 4.97% | 0.15% |
| Q4 2023 | $131.7M | $182.6M | 37.77% | 5.00% | 0.17% |
| Q1 2024 | $135.9M | $189.3M | 36.46% | 4.50% | 0.26% |
| Q2 2024 | $148.9M | $195.8M | 35.96% | 3.94% | 0.22% |
| Q3 2024 | $151.9M | $212.1M | 34.33% | 3.55% | 0.20% |
| Q4 2024 | $153.1M | $201.2M | 34.99% | 3.67% | 0.28% |
| Q1 2025 | $152.0M | $221.1M | 36.79% | 4.36% | 0.20% |
| Q2 2025 | $168.1M | $221.4M | 40.50% | 6.46% | 0.17% |
| Q3 2025 | $176.8M | $226.6M | 37.12% | 9.01% | 0.17% |
| Q4 2025 | $187.1M | $260.4M | 37.70% | 8.35% | 0.11% |
| Q1 2026 | $190.8M | $266.8M | 37.17% | 8.25% | 0.13% |
| Q2 2026 | $203.6M | $277.8M | 36.99% | 7.21% | 0.15% |
Classic City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Classic City Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Classic City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59219) · FFIEC NIC profile (RSSD 5538937)