Capital City Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital City Bank is the primary bank subsidiary of its parent holding company, headquartered in Tallahassee, FL. Profitability is strong, 1.54% ROA, paired with 12.96% ROE and a 4.38% net interest margin. Capital City's Q2 2026 balance sheet shows $4.4B in assets funded primarily by $3.8B in customer deposits. Credit metrics are pristine, with nonperforming loans at just 0.40%. Capital cushions are healthy: 18.18% CET1, 10.29% Tier 1 leverage. Its footprint covers 67 branches concentrated in Florida.
As of June 30, 2026, Capital City Bank reported a CET1 capital ratio of 18.18%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.40%, a Texas ratio of 2.86%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 217 N Monroe St, Tallahassee, FL 32301
- County
- Leon
- Metro Area
- Tallahassee, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 13, 1907
- Offices
- 67 domestic
- Employees (FTE)
- 901
- Domestic deposits
- $3.82B
- Allowance for credit losses
- $31.0M
- Net charge-offs (YTD)
- $1.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9622
- Fed RSSD
- 876634
- SEC CIK
- 726601 → filed by CAPITAL CITY BANK GROUP, INC.
- Website
- www.ccbg.com →
- Parent Holding Company
- CAPITAL CITY BANK GROUP, INC. (RSSD 1085509) · CCBG
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Smith William G Jr | CEO | CHAIRMAN, PRESIDENT & CEO |
| Larkin Jep | CFO | EVP & CFO |
| Corum Bethany Harding | PRES | President |
| Barron Thomas A | TREAS | TREASURER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Capital City Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Capital City Bank, freeCapital City Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Capital City Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.18% | 1.54% | 0.40% | 2.86% | 4.38% |
| Q1 2026 | 17.69% | 1.50% | 0.44% | 2.79% | 4.23% |
| Q4 2025 | 17.26% | 1.35% | 0.33% | 2.29% | 4.35% |
| Q3 2025 | 16.65% | 1.46% | 0.31% | 2.22% | 4.42% |
| Q2 2025 | 16.08% | 1.47% | 0.24% | 1.49% | 4.34% |
| Q1 2025 | 15.56% | 1.57% | 0.16% | 1.02% | 4.22% |
| Q4 2024 | 15.24% | 1.40% | 0.24% | 1.58% | 4.25% |
| Q3 2024 | 14.80% | 1.34% | 0.24% | 1.78% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 67 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Downtown Office Branch | Tallahassee , FL | 32301 | $728.2M |
| Metropolitan Blvd Branch | Tallahassee , FL | 32308 | $198.8M |
| Palatka Branch | East Palatka , FL | 32131 | $172.8M |
| Quincy Branch | Quincy , FL | 32351 | $165.2M |
| Perry Branch | Perry , FL | 32348 | $133.1M |
| Starke Branch | Starke , FL | 32091 | $129.1M |
| Macon Branch | Macon , GA | 31201 | $106.3M |
| Apalachee Parkway Branch | Tallahassee , FL | 32301 | $102.1M |
| Alachua Branch | Alachua , FL | 32615 | $95.5M |
| Suncoast Spring Hill Branch | Spring Hill , FL | 34609 | $94.4M |
| Dublin Main Branch | Dublin , GA | 31021 | $93.5M |
| West Point Branch | West Point , GA | 31833 | $83.2M |
| Capital Circle Northwest Branch | Tallahassee , FL | 32303 | $81.6M |
| Crawfordville Branch | Crawfordville , FL | 32327 | $76.3M |
| Cairo Branch | Cairo , GA | 39828 | $75.0M |
| Chiefland Branch | Chiefland , FL | 32626 | $68.0M |
| Trenton Branch | Trenton , FL | 32693 | $66.4M |
| Havana Branch | Havana , FL | 32333 | $65.4M |
| Mahan Drive Branch | Tallahassee , FL | 32308 | $64.3M |
| Monticello Branch | Monticello , FL | 32344 | $62.3M |
| North Monroe Street | Tallahassee , FL | 32303 | $62.2M |
| Port St. Joe Branch | Port Saint Joe , FL | 32456 | $52.9M |
| Bradfordville Branch | Tallahassee , FL | 32312 | $51.8M |
| Brooksville Branch | Brooksville , FL | 34601 | $51.7M |
| Branford Branch | Branford , FL | 32008 | $51.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 21, 2005 | Structure Change | Acquired The First National Bank of Alachua Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 2004 | Structure Change | Acquired Farmers & Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 20, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 20, 2004 | Structure Change | Acquired The Quincy State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 3, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 3, 2001 | Structure Change | Acquired First National Bank of Grady County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 3, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 3, 2001 | Structure Change | Acquired First National Bank of West Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 1997 | Structure Change | Acquired Branford State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 1996 | Structure Change | Acquired First Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1995 | Structure Change | Acquired Capital City First National Bank of Tallahassee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Capital City Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- August 27, 2007, Federal Reserve: Civil Money Penalty $85,045: Capital City Bank, Tallahassee, Florida
- Period: Most recent institution action August 27, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in FL, rank 33 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 910 applications, 462 loans originated, $77.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Capital City Bank
What are Capital City Bank's total assets?
As of the Q2 2026 filing, Capital City Bank reported total assets of $4.45 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Capital City Bank headquartered?
Capital City Bank is headquartered in Tallahassee, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Capital City Bank founded?
Capital City Bank was established in 1907, per the FDIC institution directory.
Is Capital City Bank FDIC-insured?
Yes. Capital City Bank is an FDIC-insured commercial bank (FDIC Certificate #9622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Capital City Bank?
Capital City Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Capital City Bank's CET1 capital ratio?
Capital City Bank reported a Common Equity Tier 1 (CET1) capital ratio of 18.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Capital City Bank operate?
Capital City Bank operates 67 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Capital City Bank's Texas Ratio?
Capital City Bank's Texas Ratio is 2.86% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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