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Overview / Commentary
102 North Houston Street
Cameron, TX 76520

Classic Bank is headquartered in Cameron and is the 202nd largest bank in the state of Texas. It is also the 2,406th largest bank in the nation. It was established in 1889 and as of December of 2013, it had grown to 80 employees at 6 locations. Classic Bank has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Classic Bank had $5.13 million in non-current loans and owned real-estate with $25.59 million in equity and loan loss allowances on hand to cover it. This gives Classic Bank a Texas Ratio of 20.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Classic Bank increased slightly from 5.46% as of December 31, 2012 to 20.04% as of December 31, 2013, resulting in a negative change of 266.92%. This indicates that the balance sheet and financial strength for Classic Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Classic Bank has increased its total deposits by $10.77 million, resulting in 4.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Classic Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Classic Bank has $265.69 million in assets with $25.59 million in equity, resulting in a capitalization level of 9.63%, which is above average.

Institution Statistics

FDIC Certificate #3126
Year Established1889
Primary RegulatorOCC
Assets and Liabilities
Assets$265.69 million
Loans$172.41 million
Deposits$240.73 million
Equity Capital$22.74 million
Loan Loss Allowance$2.85 million
Unbacked Noncurrent Loans$4.05 million
Real Estate Owned$1.08 million
Historic Data - December 2012
Assets$256.74 million
Equity Capital$24.53 million
Loan Loss Allowance$2.67 million
Unbacked Noncurrent Loans$4.05 million
Real Estate Owned$988,000
Profit Margin - Quarterly
Net Interest Margin4.05%
Return on Assets0.88%
Return on Equity10.09%
Interest Income$11.20 million
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Classic Bank Savings Account Rates

0.25%$500-Personal Savings
0.25%$100-Minor Savings

Classic Bank Money Market Rates

0.30%$2,500-Money Market Account

Classic Bank Checking Account Rates

2.50%-$15kReward Checking
0.05%--Reward Checking

Classic Bank Locations
Classic Bank, National Association102 North Houston StreetCameron, TX 76520
Liberty Hill Branch12251 West State Highway 29Liberty Hill, TX 78642
Cameron Branch1707 West CameronRockdale, TX 76567
Rosebud Branch198 W Ave BRosebud, TX 76570
Classic Bank, National Association Branch493 Highway 71 WBastrop, TX 78602
Giddings Branch825 East AustinGiddings, TX 78942