Capital City Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 101.0% in Q2 2026, from -$2.3M to -$4.6M. It was the largest change from Q1 2026 among the key lines here. Capital City Bank ranks 14th of 56 Florida banks on CET1 ratio, in the upper half at 18.18% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Capital City Bank sits 4.70 points higher, at 18.18% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.18% |
| Tier 1 risk-based capital ratio | 18.18% |
| Total risk-based capital ratio | 19.43% |
| Tier 1 leverage ratio | 10.29% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $446.4M |
| Tier 1 capital | $446.4M |
| Total risk-based capital | $477.1M |
| Total equity capital | $527.4M |
| Risk-weighted assets | $2.46B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.86% |
| Tangible equity to tangible assets | 10.06% |
| Equity capital to average assets | 11.93% |
| Internal capital growth rate | 5.55% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $168.9M |
| Retained earnings | $362.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 14.90% | 9.06% | $2.75B |
| Q4 2023 | 13.89% | 13.89% | 15.09% | 9.31% | $2.76B |
| Q1 2024 | 14.07% | 14.07% | 15.25% | 9.39% | $2.76B |
| Q2 2024 | 14.51% | 14.51% | 15.70% | 9.35% | $2.72B |
| Q3 2024 | 14.80% | 14.80% | 16.00% | 9.61% | $2.69B |
| Q4 2024 | 15.24% | 15.24% | 16.42% | 9.67% | $2.66B |
| Q1 2025 | 15.56% | 15.56% | 16.75% | 9.68% | $2.65B |
| Q2 2025 | 16.08% | 16.08% | 17.29% | 9.76% | $2.61B |
| Q3 2025 | 16.65% | 16.65% | 17.90% | 10.04% | $2.56B |
| Q4 2025 | 17.26% | 17.26% | 18.51% | 10.06% | $2.50B |
| Q1 2026 | 17.69% | 17.69% | 18.94% | 10.11% | $2.48B |
| Q2 2026 | 18.18% | 18.18% | 19.43% | 10.29% | $2.46B |
Capital City Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital City Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Capital City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9622) · FFIEC NIC profile (RSSD 876634)