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Classic City Bank
Athens, GA · FDIC Certificate #59219 · Chartered 11/0
Total assets
$314.35M
Total deposits
$277.77M
Total equity
$34.21M
Net loans
$201.43M
Branches (offices)
1
Net income (YTD)
$3.19M
Rank: #2,399 of 4,213 U.S. banks by assets · #64 of 123 in Georgia. Assets changed 24.8% and deposits 25.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.11% |
| Return on equity | 19.50% |
| Net interest margin (YTD) | 4.81% |
| Equity to assets | 10.88% |
| Tier 1 leverage ratio | 11.04% |
| Uninsured deposits (share of deposits) | 50.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 93.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $188.76M | 93.7% | |
| Commercial & industrial | $14.69M | 7.3% | |
| Consumer / individual | $313.00K | 0.2% | |
| Construction & development | $11.30M | 5.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $211.54M | $192.69M | $645.00K | $16.93M |
| Jun 2023 | $205.81M | $184.19M | $1.07M | $19.12M |
| Jun 2024 | $221.42M | $195.78M | $2.09M | $23.28M |
| Jun 2025 | $251.86M | $221.44M | $2.40M | $28.14M |
| Jun 2026 | $314.35M | $277.77M | $3.19M | $34.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $277.77M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $277.77M.
Similar-sized banks
Patrons Bank, National Association ($314.47M) · Citizens Independent Bank ($314.21M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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