Capital City Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.8% to $7.4M. Within Florida, Capital City Bank is 15th of 79 on net interest margin, 4.38% as of Q2 2026, above the middle of the field. Capital City Bank reported 4.38% on net interest margin for Q2 2026, 0.67 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 6.03% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.78% |
| Cost of interest-bearing deposits | 1.15% |
| Cost of interest-bearing liabilities | 1.19% |
| Cost of borrowings | 2.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.2M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $6.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.72% | 0.50% | 4.12% | 5.76% | 1.76% |
| Q4 2023 | 4.84% | 0.56% | 4.17% | 5.87% | 1.78% |
| Q1 2024 | 4.86% | 0.67% | 4.05% | 5.92% | 1.72% |
| Q2 2024 | 4.97% | 0.74% | 4.07% | 5.99% | 1.72% |
| Q3 2024 | 5.08% | 0.90% | 4.20% | 6.14% | 1.79% |
| Q4 2024 | 5.07% | 0.86% | 4.25% | 6.13% | 2.01% |
| Q1 2025 | 4.99% | 0.80% | 4.22% | 6.02% | 2.33% |
| Q2 2025 | 5.11% | 0.81% | 4.34% | 6.12% | 2.62% |
| Q3 2025 | 5.17% | 0.82% | 4.42% | 6.13% | 2.87% |
| Q4 2025 | 5.13% | 0.86% | 4.35% | 6.11% | 3.06% |
| Q1 2026 | 4.99% | 0.83% | 4.23% | 5.98% | 3.22% |
| Q2 2026 | 5.10% | 0.78% | 4.38% | 6.03% | 3.50% |
Capital City Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Capital City Bank, freeSource: Call Report Schedules RI and RC-K, 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)