Classic City Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.76 percentage points higher than in Q1 2026, at 73.30%. Within Georgia, Classic City Bank is 22nd of 121 on return on assets, 2.10% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Classic City Bank reported 2.10% on return on assets in Q2 2026, 0.85 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 10.88% |
| Tangible equity to tangible assets | 10.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.10% |
| Return on equity | 19.58% |
| Net interest margin | 4.83% |
| Efficiency ratio | 39.02% |
| Yield on earning assets | 5.74% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.30% |
| Core deposits to total deposits | 94.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.36% |
| Securities to assets | 7.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.32% | 1.11% | 3.91% | 0.00% | 0.00% |
| Q4 2023 | 10.82% | 0.90% | 4.35% | 0.00% | 0.00% |
| Q1 2024 | 11.23% | 1.92% | 4.58% | 0.00% | 0.00% |
| Q2 2024 | 10.91% | 1.99% | 4.74% | 0.00% | 0.00% |
| Q3 2024 | 10.80% | 1.63% | 4.80% | 0.00% | 0.00% |
| Q4 2024 | 11.13% | 1.35% | 4.77% | 0.00% | 0.00% |
| Q1 2025 | 11.34% | 1.98% | 4.67% | 0.00% | 0.00% |
| Q2 2025 | 11.28% | 1.94% | 4.97% | 0.00% | 0.00% |
| Q3 2025 | 11.51% | 2.23% | 5.09% | 0.00% | 0.00% |
| Q4 2025 | 11.32% | 2.19% | 5.05% | 0.00% | 0.00% |
| Q1 2026 | 11.20% | 2.14% | 4.80% | 0.00% | 0.00% |
| Q2 2026 | 11.04% | 2.10% | 4.83% | 0.00% | 0.00% |
Classic City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Classic City Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)