| Metric | Classic City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.8% | +4.4% | +20.4 pts |
| Deposit growth (YoY) | +25.4% | +4.0% | +21.5 pts |
| Loan growth (YoY) | +21.1% | +5.6% | +15.5 pts |
| ROA | 2.11% | 1.24% | +0.9 pts |
| ROE | 19.5% | 11.9% | +7.6 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $314.3M | $277.8M | $201.4M | $34.2M | $3.2M | 2.11% | 4.81% | 0.00% |
| Q1 2026 | $302.0M | $266.8M | $188.8M | $32.6M | $1.6M | 2.09% | 4.73% | 0.00% |
| Q4 2025 | $294.2M | $260.4M | $185.1M | $31.4M | $5.4M | 2.09% | 4.98% | 0.00% |
| Q3 2025 | $258.9M | $226.6M | $174.9M | $29.8M | $3.8M | 2.07% | 4.99% | 0.00% |
| Q2 2025 | $251.9M | $221.4M | $166.4M | $28.1M | $2.4M | 1.97% | 4.88% | 0.00% |
| Q1 2025 | $250.6M | $221.1M | $150.4M | $27.0M | $1.2M | 1.97% | 4.68% | 0.00% |
| Q4 2024 | $229.1M | $201.2M | $151.6M | $25.6M | $3.8M | 1.73% | 4.81% | 0.00% |
| Q3 2024 | $239.3M | $212.1M | $150.4M | $24.9M | $3.0M | 1.84% | 4.78% | 0.00% |
Loan mix (Q2 2026): real estate $188.8M · commercial $14.7M · consumer $313K · securities $23.9M
| Ratio | Classic City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 62.9% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Classic City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Classic City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Classic City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Classic City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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