TellerScore

Headquartered in Cameron, Texas, Classic Bank, National Association is a national bank with $657.5M in total assets and $576.2M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1889.

Based on its Q2 2026 filing, Classic Bank, National Association scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 244th. Its strongest component is problem-loan coverage (83/100; 8.4%), and its lowest is loan quality (58/100; 1.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.58%
Loan quality58/100
Noncurrent loans ÷ total loans: 1.26%
Earnings75/100
Return on assets (annualized): 1.39%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 90.9% · 17.0% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 9 points (77 → 68), mostly because the loan quality component weakened by 39 points.

TellerScore
667584Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202472
Q1 202576
Q2 202577
Q3 202581
Q4 202584
Q1 202683
Q2 202668
Tier 1 leverage ratio
5.00%8.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.08%
Q3 20249.37%
Q4 20249.57%
Q1 20259.66%
Q2 202510.29%
Q3 202510.99%
Q4 202511.48%
Q1 202611.54%
Q2 202611.58%
Noncurrent loans
0.00%0.63%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.03%
Q2 20250.08%
Q3 20250.05%
Q4 20250.06%
Q1 20260.06%
Q2 20261.26%
Return on assets
0.95%1.44%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.16%
Q4 20241.23%
Q1 20251.76%
Q2 20251.79%
Q3 20251.76%
Q4 20251.92%
Q1 20261.79%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$657.5M11.58%1.26%1.39%90.9%
Q1 202683$666.5M11.54%0.06%1.79%86.1%
Q4 202584$648.3M11.48%0.06%1.92%91.4%
Q3 202581$647.9M10.99%0.05%1.76%90.8%
Q2 202577$678.8M10.29%0.08%1.79%89.2%
Q1 202576$735.2M9.66%0.03%1.76%87.0%
Q4 202472$706.3M9.57%0.00%1.23%90.8%
Q3 202469$682.5M9.37%0.00%1.16%93.2%
Q2 202466$686.2M9.08%0.00%0.95%93.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.58%
59th
Total risk-based capital16.70%
77th
Problem loans1.26%
22nd
Net charge-offs0.02%
39th
Return on assets1.39%
58th
Net interest margin3.80%
42nd
Efficiency ratio64.8%
43rd
Loans to deposits90.9%
24th
Uninsured deposits17.0%
75th
Loan-loss reserves1.18%
48th
Texas ratio8.4%
22nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Worthington BankBank Arlington, TX67 out of 100, Moderate$655.4M9.3%0.16%vs
Wellington State BankBank Wellington, TX43 out of 100, Below average$659.7M9.5%5.27%vs
First Community BankBank Corpus Christi, TX74 out of 100, Strong$662.8M12.4%0.67%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs
Dominion BankBank Dallas, TX62 out of 100, Moderate$647.4M11.2%0.73%vs
TXN BankBank Hondo, TX64 out of 100, Moderate$669.2M9.7%0.98%vs

Deposit insurance

Is my money safe at Classic Bank, National Association?

Yes. Classic Bank, National Association is an FDIC-insured institution (FDIC certificate #3126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.0% of deposits ($98.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.70% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Classic Bank, National Association lists 7 offices in 7 cities. Most locations:

  • Bastrop, TX (1)
  • Cameron, TX (1)
  • Giddings, TX (1)
  • Liberty Hill, TX (1)
  • Rockdale, TX (1)
  • Rosebud, TX (1)
  • Thorndale, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Classic Bank, National Association reported 86 home-loan applications under HMDA (LEI 254900XJUBW1WCO2J645): 60 originated ($17,160,000 total), 14 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Classic Bank, National Association
Former names
First National Bank in Cameron
Type
National bank
FDIC certificate #
3126
RSSD ID
182951
Primary regulator
OCC
Holding company
Cameron Financial Corp
Established
August 22, 1889
Headquarters
102 N Houston Ave, Cameron, TX 76520
Employees
96

Quick answers

Classic Bank, National Association: common questions

Is Classic Bank, National Association FDIC insured?

Yes. Classic Bank, National Association is an FDIC-insured institution (FDIC certificate #3126). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Classic Bank, National Association's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Classic Bank, National Association ever failed?

There is no failure record for FDIC certificate #3126 in the FDIC failed bank list.

How many branches does Classic Bank, National Association have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cameron

InstitutionScoreAssetsCapitalProblem loansCompare
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Rockdale Federal Credit UnionCredit union Rockdale, TX85 out of 100, Very strong$108.2M11.7%0.08%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Central National BankBank Waco, TX74 out of 100, Strong$1.5B9.9%0.11%vs
Incommons Bank, N.A.Bank Mexia, TX73 out of 100, Strong$277.6M10.2%0.41%vs