Capital City Bank
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Data as of · sourced from FFIEC call reports. How we update
Capital City Bank is an FDIC-insured commercial bank headquartered in Tallahassee, FL, established in 1907 (FDIC certificate 9622), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $4.45B, up 1.3% from Q2 2025, the 13th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 18.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9622
- Headquarters
- Tallahassee, FL
- Established
- 1907
- Total assets, Q2 2026
- $4.45B
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 18.18%
- Domestic offices
- 67 FDIC institution directory, current count
- Routing number
- 063100688
- Latest call report
- Q2 2026, FFIEC 041 · Capital City Bank call report
- Holding company
- CAPITAL CITY BANK GROUP, INC.
- Asset rank in state
- 13th of 81 in Florida
Capital City Bank, based in Tallahassee, Florida, reported $4.4 billion in assets at June 30, 2026, up 1.3% from a year earlier. It pays an average of 0.78% on its deposits and borrowings, about a third the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 4.4% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Loans and deposits moved in opposite directions: over the year loans fell 4.4% and deposits rose 0.7%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.40% of loans from 0.24% a year earlier.
As of June 30, 2026, Capital City Bank reported a CET1 capital ratio of 18.18%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Capital City Bank is the 13th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $4.45B, loans fell 0.4% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 48.2% of total loans, ahead of owner-occupied commercial real estate loans at 13.4%. The FDIC Summary of Deposits lists 67 offices for it, in 45 cities across 3 states; its Tallahassee 12 offices book 35% of its branch deposits. On its Q2 2026 call report, Capital City Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 217 N Monroe St, Tallahassee, FL 32301
- County
- Leon
- Metro Area
- Tallahassee, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 13, 1907
- Domestic offices
- 67 FDIC institution directory, current count
- Employees (FTE)
- 901
- Domestic deposits
- $3.82B
- Allowance for credit losses
- $31.0M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $4.42B
- Average total loans
- $2.54B
- Average interest-bearing deposits
- $2.28B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9622
- Fed RSSD
- 876634
- SEC CIK
- 726601 → filed by CAPITAL CITY BANK GROUP, INC.
- Website
- www.ccbg.com →
- Parent Holding Company
- CAPITAL CITY BANK GROUP, INC. (RSSD 1085509) · CCBG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William G Smith Jr | CEO | CHAIRMAN, PRESIDENT & CEO |
| Corum Bethany Harding | PRES | President |
| Jep Larkin | CFO | EVP & CFO |
| Thomas A Barron | TREAS | TREASURER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Capital City Bank's total assets ran between $4.13B (Q3 2023) and $4.46B (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.45B total assets against $4.39B; $3.92B total liabilities against $3.89B.
$2.50B net loans and leases against $2.62B; $3.82B total deposits against $3.79B.
$1.15B securities against $988.0M; $479.7M cash and balances due against $473.4M.
$51.8M total interest income against $51.5M; $7.4M total interest expense against $7.7M.
$44.5M net interest income against $43.7M.
$20.5M total noninterest income against $19.4M; $42.0M total noninterest expense against $41.2M.
$918K provision for credit losses against $620K.
$17.0M net income against $16.1M.
1.54% return on assets against 1.47%; 4.38% net interest margin against 4.34%.
18.18% CET1 capital ratio against 16.08%; 10.29% tier 1 leverage ratio against 9.76%.
Inside the full Capital City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCapital City Bank rankings
Its closest position to the top of a national ranking is 306 of 4,196, for total assets; its furthest is 2,325 of 3,606, for efficiency ratio.
Metric pages for Capital City Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.34% (Q3 2024) to 1.57% (Q1 2025) and its net interest margin ran from 4.20% (Q3 2024) to 4.42% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.18% | 1.54% | 0.40% | 2.86% | 4.38% |
| Q1 2026 | 17.69% | 1.50% | 0.44% | 2.79% | 4.23% |
| Q4 2025 | 17.26% | 1.35% | 0.33% | 2.29% | 4.35% |
| Q3 2025 | 16.65% | 1.46% | 0.31% | 2.22% | 4.42% |
| Q2 2025 | 16.08% | 1.47% | 0.24% | 1.49% | 4.34% |
| Q1 2025 | 15.56% | 1.57% | 0.16% | 1.02% | 4.22% |
| Q4 2024 | 15.24% | 1.40% | 0.24% | 1.58% | 4.25% |
| Q3 2024 | 14.80% | 1.34% | 0.24% | 1.78% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 67 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Downtown Office Branch | Tallahassee , FL | 32301 | $728.2M |
| Metropolitan Blvd Branch | Tallahassee , FL | 32308 | $198.8M |
| Palatka Branch | East Palatka , FL | 32131 | $172.8M |
| Quincy Branch | Quincy , FL | 32351 | $165.2M |
| Perry Branch | Perry , FL | 32348 | $133.1M |
| Starke Branch | Starke , FL | 32091 | $129.1M |
| Macon Branch | Macon , GA | 31201 | $106.3M |
| Apalachee Parkway Branch | Tallahassee , FL | 32301 | $102.1M |
| Alachua Branch | Alachua , FL | 32615 | $95.5M |
| Suncoast Spring Hill Branch | Spring Hill , FL | 34609 | $94.4M |
| Dublin Main Branch | Dublin , GA | 31021 | $93.5M |
| West Point Branch | West Point , GA | 31833 | $83.2M |
| Capital Circle Northwest Branch | Tallahassee , FL | 32303 | $81.6M |
| Crawfordville Branch | Crawfordville , FL | 32327 | $76.3M |
| Cairo Branch | Cairo , GA | 39828 | $75.0M |
| Chiefland Branch | Chiefland , FL | 32626 | $68.0M |
| Trenton Branch | Trenton , FL | 32693 | $66.4M |
| Havana Branch | Havana , FL | 32333 | $65.4M |
| Mahan Drive Branch | Tallahassee , FL | 32308 | $64.3M |
| Monticello Branch | Monticello , FL | 32344 | $62.3M |
| North Monroe Street | Tallahassee , FL | 32303 | $62.2M |
| Port St. Joe Branch | Port Saint Joe , FL | 32456 | $52.9M |
| Bradfordville Branch | Tallahassee , FL | 32312 | $51.8M |
| Brooksville Branch | Brooksville , FL | 34601 | $51.7M |
| Branford Branch | Branford , FL | 32008 | $51.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2005 | Structure Change | Acquired The First National Bank of Alachua Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2004 | Structure Change | Acquired Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2004 | Structure Change | Acquired The Quincy State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 3, 2001 | Structure Change | Acquired First National Bank of Grady County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 3, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 3, 2001 | Structure Change | Acquired First National Bank of West Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1997 | Structure Change | Acquired Farmers & Merchants Bank of Trenton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 1996 | Structure Change | Acquired First Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Structure Change | Acquired Industrial National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- August 27, 2007, Federal Reserve: Civil Money Penalty $85,045: Capital City Bank, Tallahassee, Florida
- Period: Most recent institution action August 27, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in FL, rank 33 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 910 applications, 462 loans originated, $77.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $619K approved, $619K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Capital City Bank
What are Capital City Bank's total assets?
As of the Q2 2026 filing, Capital City Bank reported total assets of $4.45 billion in its FFIEC call report.
Where is Capital City Bank headquartered?
It is headquartered in Tallahassee, FL, United States.
When was Capital City Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Capital City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital City Bank?
Capital City Bank's primary federal regulator is the Federal Reserve.
What is Capital City Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capital City Bank operate?
It operates 67 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital City Bank's Texas Ratio?
Its Texas Ratio is 2.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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