# CLASSIC CITY BANK
ATHENS, GA · FDIC certificate 59219 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $314.3M | |
| Deposits | $277.8M | |
| Loans and leases | $203.6M | |
| Total equity | $34.2M | |
| Loans / deposits | 72.52% (p30 of band) | 82.04% |
| Liquid assets / assets | 32.61% (p71 of band) | |
| Uninsured deposits / deposits | 50.74% (p95 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.04% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -0.52% (p90 of band) | -8.10% |
| AOCI / equity | -0.67% (p34 of band) | |
| ROA (annualized) | 2.11% (p89 of band) | 1.28% |
| Net interest margin | 4.81% (p90 of band) | 3.91% |
| Efficiency ratio | 39.80% (p5 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 93% | |
| Construction % of loans | 33.03% (p40 of band) | |
| Auto loans | $202,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 25.4% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-12 | 5 | loans exceed deposits, uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2021-03 | 3 |  | loans exceed deposits, NIM <2.5% |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 3 |  | uninsured deposits >50% |
| 2021-12 | 4 | uninsured deposits >50% |  |
| 2022-03 | 2 | NIM <2.5% | losing money, expense ratio p90, uninsured deposits >50% |
| 2022-06 | 3 | uninsured deposits >50% |  |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 2 | deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2023-06 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 2 | uninsured deposits >50% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-26 [Classic City Bank welcomes new first VP James Carson - Online Athens](https://news.google.com/rss/articles/CBMixAFBVV95cUxNeHlhQVNyd1Z4eWZNQkliTldnb1V0akg2ZTNNbElFXzUxRVBXVE9pWXlpbGc0dEhqMFNMQ2xwNEIyMWszMDNuSm5felN3c2Ewamt4TjZWcFN6S0RJODBYLWV6WDJ5Ynl5TUM1MTZpME5fTlZpXzl6T19ZTkR4N3JGM1JyR2NibWJjQjlvb1JBU1hPWHhTaGw1RmRKVE1ZbzFkVUVHQnB1Q180SWNrNG5LV3lucnBjVmllN0JqWTljV0NUVFNo?oc=5) · Online Athens
- 2025-10-24 [Locally-owned bank survived the COVID period to become mainstay in Athens - Online Athens](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNYXd5cWFXQi0tZnFfQUpUMmZMYTk0azFRZHNNcHd4SG93MDdlOExlVW9LRGFzMTBObkd4QVdCa0lQNW40V2JxQUZXeUx2MTNwcWh1TGYzdEJJUjJhUkY3M2dJaDNjSXhrc2NzR0hkbDNEWkJENlRCUlhQTnVwOHRVT2M2TVNqcmxqck1QS0JxSVZtaGV5SU1nb2JJSkp6WVRwZ196UG5xa2Q1TGZpVkx3bGJlSzNkUVdIRm1CWnp0WWVKdVVXWnNoZQ?oc=5) · Online Athens
- 2020-07-22 [Regulators review plan for Classic City Bank in Athens, 1st new bank in city since 2005 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOV0RaYjlueE9jclNMNThlNEI1ZDBENURTWTh0WXdfYVZCbWMzY1VfRm9USE5YZ1FqcV9jNWl1X3JObi1RYzNPYVIwQ2hhaHFMbU1zWVVTeW5wQmpobFZNY1BPdF8yV2VoZi1yQjBJTEFDU25QOHBsLWR0TTFzWThQdEhQYU55bUZ4bnBCN1NIbE9MVDVCTlpKLThvN0tiZWJqakZV?oc=5) · The Business Journals
- 2026-08-19 [Bobby D. Wilcher Obituary Aug 15, 2026 - Lord & Stephens Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBKTUFsZXhvenR1MHZIN3dGTXdISnpIcXB4SmhpZGVweUlGTWl6OXQ5cEhGMmNKZDRkMEY5aHVRTFhXQ200eDlUaHkwSWZWbnd1MUtoekt0YXI2RnB3cFRweVFSWVVmOFU?oc=5) · Lord &amp; Stephens Funeral Homes
- 2022-11-11 [Claude Hopper Obituary - Athens, GA - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNcnd5WmU3TjBWQ3BLOXhhaGpSTzh5cnlhWmFVZF9iMFZrVlV6SXZOMHhpajR0LXZDcGNyRjVGNTVIMEtVQXdISzQ0bnZiaWt5VGFGUzVGUENEU2JOdE9xRkVfWjNrcHJOMVpHV0JfVkZQOHJ2X3p3TzJPU1haTi02YQ?oc=5) · Dignity Memorial
- 2021-09-29 [Cafe Racer Is Adding an Athens Location - Flagpole](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNeE9FQUFJaFJuSW1WNFhGLXVaSDFGcWRadllFa0Q0RU52ZWV4M0k2T2JObzRTV0IwZ0swcjJ1MzREaE03SXNXVVNCWnctWjBqV2duSTNhZlVYaGJKVHU5azh1UFRJUmx2VDJVdTMzNWd4SUFHM2hDdFY1OGF6SXNvUVRqS19jQUly?oc=5) · Flagpole
- 2022-03-16 [Café Racer's donuts, burgers and biscuits coming to Athens — and a food truck — this summer - Online Athens](https://news.google.com/rss/articles/CBMixwFBVV95cUxQMDViOWlIdERrU0V2UG5PYWNLekk5M0xxT3VoNnRjcGJoZWhpcHRlZFhyRDZIdUhWV3QydjhWd2ZndFRYcTl3eUNvdEVSekZqN181a19aaGZaQXdoczJWRlNacjJucEpObjdtdGZXNFhLUDBaVWdsanVJZkoxOVFwZUd1NGRoXzhMMVZEemhJU0tYTE1ZaWF5b0JRVlFRTXNNdjRUdWdsWnRQWVBTSWdja050cVpsMWZvQzU4QzdqQVY5bXM1ZW84?oc=5) · Online Athens

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59219 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "59219", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide