Capital City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Capital City Bank of Tallahassee, FL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.46% | +0.08% | 69th above |
| ROAE | 12.96% | 12.72% | +0.24% | 55th above |
| Net Interest Margin | 4.38% | 3.85% | +0.53% | 85th top |
| Efficiency Ratio | 64.69% | 57.39% | +7.30% | 32nd below |
| PPNR / Avg Assets | 2.07% | 1.88% | +0.19% | 73rd above |
| Yield on Earning Assets | 5.10% | 5.72% | -0.62% | 24th bottom |
| Cost of Funds | 0.78% | 2.02% | -1.24% | 98th top |
| Net Interest Spread | 3.91% | 3.18% | +0.73% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 1.00% | -0.60% | 66th above |
| NPA / Total Assets | 0.30% | 0.76% | -0.46% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.43% | -0.29% | 23rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.31% | -0.09% | 62nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 309.73% | 543.76% | -234.03% | 71st above |
| Texas Ratio | 2.86% | 7.40% | -4.54% | 67th above |
| Provision / NCO | 100.39% | 619.66% | -519.27% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.18% | 17.33% | +0.85% | 87th top |
| Tier 1 Ratio | 18.18% | 17.37% | +0.81% | 87th top |
| Total Capital Ratio | 19.43% | 18.42% | +1.01% | 88th top |
| Leverage Ratio | 10.29% | 11.44% | -1.15% | 45th below |
| Equity / Assets | 11.86% | 11.33% | +0.53% | 74th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.06% | 10.50% | -0.44% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.39% | 86.99% | -20.60% | 89th top |
| Core Deposit Ratio | 98.58% | 85.53% | +13.05% | 97th top |
| Uninsured Deposit Ratio | 47.83% | 33.10% | +14.73% | 11th bottom |
| Wholesale Funding Ratio | 1.66% | 5.71% | -4.05% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.25% | 9.70% | -8.45% | 23rd bottom |
| Loan Growth (Y/Y) | -4.40% | 8.08% | -12.48% | 6th bottom |
| Deposit Growth (Y/Y) | 0.69% | 7.88% | -7.19% | 22nd bottom |
See Capital City Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Capital City Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Capital City Bank profile, how to read a UBPR, or how this data updates.