Capital City Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos climbed 62.7% in Q2 2026, from $4.6M to $7.4M. It was the largest change from Q1 2026 among the key lines here. Within Florida, Capital City Bank is 58th of 81 on loan-to-deposit ratio, 66.39% as of Q2 2026, below the middle of the field. Capital City Bank reported 66.39% on loan-to-deposit ratio for Q2 2026, 21.81 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $479.7M |
| Cash and noninterest-bearing balances to assets | 10.79% |
| Cash and securities | $1.63B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.4M |
| Other borrowed money | $66.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.49% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.39% |
| Net loans and leases to deposits | 65.58% |
| Loans and leases to core deposits | 67.34% |
| Core deposits to total deposits | 98.58% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 75.87% | 99.54% | $22.9M | $43.1M |
| Q4 2023 | 73.36% | 99.46% | $27.0M | $35.9M |
| Q1 2024 | 74.01% | 99.03% | $23.5M | $35.3M |
| Q2 2024 | 73.67% | 98.76% | $22.5M | $30.5M |
| Q3 2024 | 74.16% | 98.73% | $29.3M | $34.4M |
| Q4 2024 | 71.46% | 98.61% | $26.2M | $28.3M |
| Q1 2025 | 69.29% | 98.75% | $22.8M | $42.8M |
| Q2 2025 | 69.92% | 98.69% | $21.8M | $41.5M |
| Q3 2025 | 70.23% | 98.50% | $25.6M | $42.8M |
| Q4 2025 | 68.37% | 98.18% | $22.0M | $55.7M |
| Q1 2026 | 66.27% | 98.11% | $4.6M | $55.8M |
| Q2 2026 | 66.39% | 98.58% | $7.4M | $66.4M |
Capital City Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital City Bank, freeSource: Call Report Schedules RC and RC-M, 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)