Capital City Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.45 percentage points lower than in Q1 2026, at 151.97%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.53B |
| Net loans and leases | $2.50B |
| Loans held for sale | $34.3M |
| Loans to total assets | 56.98% |
| Loan-to-deposit ratio | 66.39% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.84% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 5.63% |
| Consumer | 7.22% |
| Credit cards | 0.00% |
| Farm | 1.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.97% |
| Construction concentration (Tier 1 capital + allowance) | 51.41% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.03% |
| Interest income on loans | $38.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.74B | $3.61B | 24.67% | 5.98% | 10.44% |
| Q4 2023 | $2.76B | $3.77B | 24.55% | 6.35% | 9.85% |
| Q1 2024 | $2.76B | $3.72B | 24.31% | 6.22% | 9.26% |
| Q2 2024 | $2.71B | $3.68B | 24.76% | 6.28% | 8.68% |
| Q3 2024 | $2.71B | $3.66B | 24.35% | 6.11% | 7.90% |
| Q4 2024 | $2.68B | $3.75B | 23.94% | 5.80% | 7.49% |
| Q1 2025 | $2.68B | $3.87B | 24.16% | 5.69% | 7.73% |
| Q2 2025 | $2.65B | $3.79B | 24.61% | 5.60% | 7.50% |
| Q3 2025 | $2.61B | $3.71B | 25.03% | 5.64% | 7.20% |
| Q4 2025 | $2.57B | $3.76B | 25.09% | 5.89% | 7.17% |
| Q1 2026 | $2.54B | $3.84B | 24.62% | 5.55% | 7.13% |
| Q2 2026 | $2.53B | $3.82B | 24.84% | 5.63% | 7.22% |
Capital City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital City Bank, freeSource: Call Report Schedule RC-C, 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)