BlastPoint's Banking Scorecard

Classic City Bank

$100M-$1B Specialty: Commercial GA FDIC cert 59219

Athens, GA

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 96 in GA.
Deposits +25.4% year over year ($277.8M on the books).
Delinquency rate 0.00%.
Return on assets 2.11%.
Efficiency ratio 39.80% vs a 64.48% peer average.
Loan-to-deposit ratio 72.52% 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 96 in GA

View $100M-$1B leaderboard (GA) →

Classic City Bank shows strong momentum with 5 strengths and 24.8% YoY asset growth

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

+ Deposit Franchise: Top 21.9% in tier
+ Efficiency Ratio 24.68% below tier average
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.78% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Classic City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$314.3M +24.8% YoY +4.1% QoQ	-$72.2M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	49%
Total Loans ?	$201.4M +21.1% YoY +6.7% QoQ	-$56.9M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$277.8M +25.4% YoY +4.1% QoQ	-$49.0M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	2.11% +6.8% YoY +0.6% QoQ	+0.78%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Top 11.1% in tier
Net Interest Margin ?	4.81% -1.5% YoY +1.8% QoQ	+0.82%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 11.7% in tier
Efficiency Ratio ?	39.80% -7.4% YoY -2.1% QoQ	-24.68%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Top 3.8% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	72.52% -3.5% YoY +2.4% QoQ	-5.44%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	65%
Non-Interest-Bearing Deposit Share ?	47.35% +6.1% YoY -1.8% QoQ	+25.32%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 2.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.04% -2.1% YoY -1.4% QoQ	-4.87%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.09% -6.4% YoY +116.9% QoQ	-0.47%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	17%

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 (GA)	National Avg	Tier Percentile
Noninterest-Bearing	47.3% +2.7pp YoY -0.9pp QoQ	+25.2pp	22.1%	26.2%	22.2%	98%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	7.3% +0.8pp YoY -1.1pp QoQ	-4.3pp	11.6%	9.7%	12.5%	35%
CRE	53.9% -6.9pp YoY +1.1pp QoQ	+14.3pp	39.5%	48.9%	41.4%	76%
1-4 Family	39.8% +6.4pp YoY +0.2pp QoQ	+7.2pp	32.6%	31.7%	31.3%	70%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.8%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	11.0% -0.2pp YoY -0.2pp QoQ	-1.1pp	12.2%	14.0%	12.6%	51%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	22 +4 (+22.2%) YoY +2 (+10.0%) QoQ	-37	58	98	482	14%
Assets per Employee ($)	$14.3M +2.1% YoY -5.4% QoQ	+$6.8M	$7.5M	$7.5M	$8.8M	96%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	38.10x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	19.5% +1.6pp YoY 0.0pp QoQ	+7.3pp	12.2%	13.6%	11.6%	87%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.6%	1.7%	7%
Net Income ($, YTD)	$3.2M +32.9% YoY — QoQ	+$640K	$2.6M	$6.6M	$40.4M	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Deposit Franchise

growth

#62 of 278 • Top 21.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 47.35%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.81%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 47.35%

Peer Median: 22.03%

#56 of 2643 Top 2.1% in $100M-$1B

102

Efficiency Ratio

profitability

Value: 39.80%

Peer Median: 64.48%

#102 of 2643 Top 3.8% in $100M-$1B

294

Return on Assets

profitability

Value: 2.11%

Peer Median: 1.32%

#294 of 2643 Top 11.1% in $100M-$1B

311

Net Interest Margin

profitability

Value: 4.81%

Peer Median: 3.99%

#311 of 2643 Top 11.7% in $100M-$1B

Top Weaknesses (2 metrics)

2197

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2197 of 2643 Bottom 16.9% in $100M-$1B

2008

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.91%

#2008 of 2643 Bottom 24.1% in $100M-$1B