Capital City Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 31.54 percentage points higher than in Q1 2026, at 309.73%. Within Florida, Capital City Bank is 15th of 79 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Capital City Bank sits 0.26 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.18% |
| Tier 1 risk-based capital ratio | 18.18% |
| Total risk-based capital ratio | 19.43% |
| Tier 1 leverage ratio | 10.29% |
| Equity capital to assets | 11.86% |
| Tangible equity to tangible assets | 10.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 2.86% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 309.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 12.96% |
| Net interest margin | 4.38% |
| Efficiency ratio | 64.69% |
| Yield on earning assets | 5.10% |
| Cost of funds | 0.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.39% |
| Core deposits to total deposits | 98.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.83% |
| Securities to assets | 25.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 14.90% | 9.06% | 1.23% |
| Q4 2023 | 13.89% | 13.89% | 15.09% | 9.31% | 1.25% |
| Q1 2024 | 14.07% | 14.07% | 15.25% | 9.39% | 1.25% |
| Q2 2024 | 14.51% | 14.51% | 15.70% | 9.35% | 1.40% |
| Q3 2024 | 14.80% | 14.80% | 16.00% | 9.61% | 1.34% |
| Q4 2024 | 15.24% | 15.24% | 16.42% | 9.67% | 1.40% |
| Q1 2025 | 15.56% | 15.56% | 16.75% | 9.68% | 1.57% |
| Q2 2025 | 16.08% | 16.08% | 17.29% | 9.76% | 1.47% |
| Q3 2025 | 16.65% | 16.65% | 17.90% | 10.04% | 1.46% |
| Q4 2025 | 17.26% | 17.26% | 18.51% | 10.06% | 1.35% |
| Q1 2026 | 17.69% | 17.69% | 18.94% | 10.11% | 1.50% |
| Q2 2026 | 18.18% | 18.18% | 19.43% | 10.29% | 1.54% |
Capital City Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital City Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)