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Classic Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 3126

Cameron, TX

7 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -4.4% year over year ($576.2M on the books).
  • Delinquency rate 1.28%.
  • Return on assets 1.39%.
  • Efficiency ratio 64.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.91% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Classic Bank, National Association has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.8% in tier
  • - Margin Compression: Bottom 14.7% in tier
  • - Capital Constraint: Bottom 45.8% in tier
  • - Net Interest Margin 0.19% below tier average
  • - Efficiency Ratio 0.35% above tier average
  • - Delinquency Rate 0.36% above tier average
Get updates when Classic Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $657.5M
-3.1% YoY -1.4% QoQ
+$270.9M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
85%
Total Loans ? $523.8M
-2.6% YoY +3.7% QoQ
+$265.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 9.6% in tier
Total Deposits ? $576.2M
-4.4% YoY -1.8% QoQ
+$249.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 14.0% in tier
Return on Assets ? 1.39%
-22.4% YoY -22.4% QoQ
+0.06% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.80%
+11.1% YoY +1.7% QoQ
-0.19% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 64.83%
+16.0% YoY +8.6% QoQ
+0.35% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
43%
Delinquency Rate ? 1.28% +0.36% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 90.91%
+1.9% YoY +5.5% QoQ
+12.96% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 24.51%
+13.5% YoY +7.5% QoQ
+2.48% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 1.02% +0.35% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 15.44%
+7.4% YoY -4.3% QoQ
-0.46% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.27%
-40.8% YoY +5.0% QoQ
-0.30% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 24.5%
+2.9pp YoY
+1.7pp QoQ
 +2.4pp 22.1% 29.2% 22.2% 64%
Brokered Deposits 2.7%
-3.4pp YoY
-0.4pp QoQ
 -5.1pp 7.9% 8.0% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 5.8%
0.0pp YoY
-0.4pp QoQ
 -5.8pp 11.6% 14.8% 12.5% 24%
CRE 36.5%
+6.1pp YoY
+2.8pp QoQ
 -3.1pp 39.5% 48.4% 41.4% 46%
1-4 Family 32.5%
-2.6pp YoY
-2.7pp QoQ
 -0.1pp 32.6% 25.8% 31.3% 57%
Consumer 1.1%
+0.1pp YoY
0.0pp QoQ
 -3.0pp 4.1% 4.7% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.4%
+1.1pp YoY
-0.7pp QoQ
 -3.4pp 18.8% 22.7% 19.7% 54%
Leverage Ratio 11.6%
+1.3pp YoY
0.0pp QoQ
 -0.6pp 12.2% 12.6% 12.6% 59%
Total Capital Ratio 16.7%
+1.1pp YoY
-0.7pp QoQ
 -3.2pp 19.9% 23.8% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 96
+10 (+11.6%) YoY
+3 (+3.2%) QoQ
 +37 58 186 482 85%
Assets per Employee ($) $6.8M
-13.2% YoY
-4.4% QoQ
 -$670K $7.5M $10.1M $8.8M 49%
Branch Count 7
0 YoY
0 QoQ
 +2 4 12 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.3%
+1.2pp YoY
+1.2pp QoQ
 +0.3pp 0.9% 1.0% 1.0% 77%
Allowance Coverage 0.93x
-93.8% YoY
-95.3% QoQ
 -23.22x 24.15x 18.82x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.5%
-7.1pp YoY
-3.7pp QoQ
 +0.3pp 12.2% 13.2% 11.6% 53%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 62%
Net Income ($, YTD) $4.6M
-27.8% YoY
— QoQ
 +$2.0M $2.6M $15.9M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#27 of 691 • Bottom 3.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.91%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Margin Compression

decline
#46 of 307 • Bottom 14.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.39%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Constraint

risk
#50 of 107 • Bottom 45.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 90.91%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.44%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

256
Total Loans
size
Value: $523.81M
Peer Median: $258.35M
#256 of 2643 Top 9.6% in $100M-$1B
370
Total Deposits
size
Value: $576.17M
Peer Median: $326.73M
#370 of 2643 Top 14.0% in $100M-$1B
401
Total Assets
size
Value: $657.46M
Peer Median: $386.57M
#401 of 2643 Top 15.1% in $100M-$1B

Top Weaknesses (3 metrics)

2119
Nonperforming Asset Ratio
credit_quality
Value: 1.02%
Peer Median: 0.67%
#2119 of 2643 Bottom 19.9% in $100M-$1B
2038
Delinquency Rate
credit_quality
Value: 1.28%
Peer Median: 0.92%
#2038 of 2633 Bottom 22.6% in $100M-$1B
2004
Loan-to-Deposit Ratio
liquidity
Value: 90.91%
Peer Median: 77.95%
#2004 of 2643 Bottom 24.2% in $100M-$1B
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