BlastPoint's Banking Scorecard

Classic City Bank

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

Athens, GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Classic City Bank shows strong momentum with 5 strengths and 20.5% 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 25.0% in tier
+ Efficiency Ratio 24.64% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.82% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$302.0M +20.5% YoY +2.7% QoQ	-$84.1M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$188.8M +25.5% YoY +2.0% QoQ	-$66.9M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$266.8M +20.7% YoY +2.4% QoQ	-$61.2M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	2.09% +5.9% YoY +0.2% QoQ	+0.82%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 10.4% in tier
Net Interest Margin ?	4.73% +0.9% YoY -5.0% QoQ	+0.80%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 12.6% in tier
Efficiency Ratio ?	40.65% -7.0% YoY -3.8% QoQ	-24.64%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 4.7% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	70.79% +4.0% YoY -0.4% QoQ	-5.85%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	48.23% +11.7% YoY -1.6% QoQ	+26.21%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 2.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.20% -1.2% YoY -1.0% QoQ	-4.63%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.04% -13.8% YoY -77.3% QoQ	-0.24%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	16%

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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

#69 of 272 • Top 25.0% 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: 48.23%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.73%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 48.23%

Peer Median: 22.02%

#54 of 2664 Top 2.0% in $100M-$1B

127

Efficiency Ratio

profitability

Value: 40.65%

Peer Median: 65.29%

#127 of 2664 Top 4.7% in $100M-$1B

278

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.27%

#278 of 2664 Top 10.4% in $100M-$1B

337

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.93%

#337 of 2664 Top 12.6% in $100M-$1B

Top Weaknesses (1 metrics)

2228

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2228 of 2664 Bottom 16.4% in $100M-$1B