BlastPoint's Banking Scorecard
Classic City Bank
Micro
Specialty: Commercial
GA
FDIC cert 59219
Designations: ✓ Community bank
Athens, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Classic City Bank shows strong momentum with 5 strengths and 28.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.00% above tier
- + Efficiency Ratio 25.48% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 26.60% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$294.2M
+28.4% YoY
+13.6% QoQ
|
+$76.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$185.1M
+22.1% YoY
+5.8% QoQ
|
+$45.9M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$260.4M
+29.4% YoY
+14.9% QoQ
|
+$76.7M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
2.09%
+21.0% YoY
+0.8% QoQ
|
+1.00% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.98%
+3.3% YoY
-0.3% QoQ
|
+1.12% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
42.25%
-3.9% YoY
+1.7% QoQ
|
-25.48% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
71.08%
-5.7% YoY
-7.9% QoQ
|
-3.45% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
48.99%
+16.4% YoY
+8.2% QoQ
|
+26.60% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-0.6% YoY
+27.3% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.09%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.25%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
48.99%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 48.99% · Tier avg: 22.39%
97
97th pctile
Efficiency Ratio
Current: 42.25% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
73
73th pctile
Total Deposits
Current: $260.4M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $294.2M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $185.1M · Tier avg: $139.2M
60
60th pctile
Loan-to-Deposit Ratio
Current: 71.08% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
Top Weaknesses
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 71.08% · Tier avg: 74.53%
70
70th pctile
Total Loans
Current: $185.1M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $294.2M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $260.4M · Tier avg: $183.7M
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.25% · Tier avg: 67.73%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 48.99% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%