Headquartered in Athens, Georgia, Classic City Bank is a state-chartered bank with $314.3M in total assets and $277.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2020.
Based on its Q2 2026 filing, Classic City Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 40th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (48/100; 73% loans-to-deposits, 51% uninsured).
TellerScore · Q2 2026
Scorecard
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 2 points (82 → 80), mostly because the funding & liquidity component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 82 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.91% |
| Q3 2024 | 10.80% |
| Q4 2024 | 11.13% |
| Q1 2025 | 11.34% |
| Q2 2025 | 11.28% |
| Q3 2025 | 11.51% |
| Q4 2025 | 11.32% |
| Q1 2026 | 11.20% |
| Q2 2026 | 11.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.96% |
| Q3 2024 | 1.84% |
| Q4 2024 | 1.73% |
| Q1 2025 | 1.97% |
| Q2 2025 | 1.97% |
| Q3 2025 | 2.07% |
| Q4 2025 | 2.09% |
| Q1 2026 | 2.09% |
| Q2 2026 | 2.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $314.3M | 11.04% | 0.00% | 2.11% | 72.5% |
| Q1 2026 | 82 | $302.0M | 11.20% | 0.00% | 2.09% | 70.8% |
| Q4 2025 | 82 | $294.2M | 11.32% | 0.00% | 2.09% | 71.1% |
| Q3 2025 | 82 | $258.9M | 11.51% | 0.00% | 2.07% | 77.2% |
| Q2 2025 | 82 | $251.9M | 11.28% | 0.00% | 1.97% | 75.1% |
| Q1 2025 | 83 | $250.6M | 11.34% | 0.00% | 1.97% | 68.0% |
| Q4 2024 | 80 | $229.1M | 11.13% | 0.00% | 1.73% | 75.4% |
| Q3 2024 | 80 | $239.3M | 10.80% | 0.00% | 1.84% | 70.9% |
| Q2 2024 | 81 | $221.4M | 10.91% | 0.00% | 1.96% | 75.3% |
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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United National BankBank Cairo, GA | 65 out of 100, Moderate | $308.7M | 14.8% | 2.15% | vs |
| Craft BankBank Atlanta, GA | 68 out of 100, Moderate | $305.9M | 13.8% | 1.61% | vs |
| The Claxton BankBank Bellville, GA | 50 out of 100, Below average | $304.8M | 12.6% | 2.51% | vs |
| Douglas National BankBank Douglas, GA | 78 out of 100, Strong | $326.9M | 10.3% | 0.10% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| Community Banking CompanyBank Fitzgerald, GA | 77 out of 100, Strong | $297.3M | 11.3% | 0.64% | vs |
Deposit insurance
Is my money safe at Classic City Bank?
Yes. Classic City Bank is an FDIC-insured institution (FDIC certificate #59219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.7% of deposits ($140.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Classic City Bank lists 1 office in 1 city. Most locations:
- Athens, GA (1)
Identity & history
Profile
- Legal name
- Classic City Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59219
- RSSD ID
- 5538937
- Primary regulator
- FDIC
- Holding company
- Ccb Bcorp Inc
- Established
- November 9, 2020
- Headquarters
- 2365 W Broad St, Athens, GA 30606
- Website
- www.classiccitybank.com
- Employees
- 22
Quick answers
Classic City Bank: common questions
Is Classic City Bank FDIC insured?
Yes. Classic City Bank is an FDIC-insured institution (FDIC certificate #59219). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Classic City Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Classic City Bank ever failed?
There is no failure record for FDIC certificate #59219 in the FDIC failed bank list.
How many branches does Classic City Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Athens
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| First Century Bank, National AssociationBank Commerce, GA | 90 out of 100, Very strong | $831.6M | 16.8% | 0.00% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| First American Bank and Trust CompanyBank Athens, GA | 86 out of 100, Very strong | $901.9M | 13.3% | 0.00% | vs |