Capital City Bank
Tallahassee, Florida, Leon County
$4.4B in total assets, the 321st largest of 4,309 US banks and 13th of 84 headquartered in Florida.
- FDIC certificate
- 9622
- Established
- 1907
- Owned by
- Capital City Bank Group Inc
- Primary regulator
- FED
- Website
- www.ccbg.com
At a glance
Compared with 24 banks headquartered in Florida with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.4B | 79% | $2.2B | |
| Loans | $2.5B | 83% | $1.4B | |
| Deposits | $3.8B | 83% | $1.9B | |
| Return on assets | 1.46% | 71% | 1.22% | |
| Net interest margin | 4.33% | 83% | 3.53% | |
| Efficiency ratio | 64.8% | 67% | 57.2% | |
| Equity to assets | 11.86% | 96% | 9.63% | |
| Loans to deposits | 66% | 25% | 77% |
Growth
Total assets grew 2.1% a year over the last 5 years and 4.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2005 | The First National Bank of Alachua Alachua, FL | $230M |
| Oct 2004 | Farmers & Merchants Bank Dublin, GA | $390M |
| Mar 2004 | The Quincy State Bank Quincy, FL | $127M |
| Nov 2001 | First National Bank of Grady County Cairo, GA, an affiliate under the same holding company | $126M |
| Mar 2001 | First National Bank of West Point West Point, GA | $153M |
| Oct 1997 | Branford State Bank Branford, FL, an affiliate under the same holding company | $34M |
| Oct 1997 | Levy County State Bank Chiefland, FL, an affiliate under the same holding company | $75M |
| Oct 1997 | Farmers & Merchants Bank of Trenton Trenton, FL, an affiliate under the same holding company | $38M |
| Dec 1996 | First Federal Bank Tallahassee, FL, an affiliate under the same holding company | $238M |
| Jan 1995 | Capital City First National Bank of Tallahassee Tallahassee, FL, an affiliate under the same holding company | $346M |
| Jan 1995 | Industrial National Bank Tallahassee, FL, an affiliate under the same holding company | $58M |
| Jan 1995 | Capital City Second National Bank Tallahassee, FL, an affiliate under the same holding company | $51M |
| Jan 1995 | City National Bank Tallahassee, FL, an affiliate under the same holding company | $78M |
| Jan 1995 | First National Bank of Jefferson County Monticello, FL, an affiliate under the same holding company | $24M |
| Jan 1995 | Gadsden National Bank Quincy, FL, an affiliate under the same holding company | $40M |
Where they operate
67 branches in 29 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Leon County, FL | $1.4B | 18.0% | 1 of 18 |
| Alachua County, FL | $271M | 4.8% | 8 of 18 |
| Gadsden County, FL | $231M | 82.4% | 1 of 2 |
| Putnam County, FL | $197M | 20.8% | 2 of 6 |
| Hernando County, FL | $179M | 5.7% | 6 of 10 |
| Bibb County, GA | $160M | 3.3% | 10 of 14 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (67 branches then and now). 12 opened, 0 acquired, 12 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 67 | |||
| 2016 | Closed Waynesboro | 0 | 1 | −1 | 66 |
| 2017 | Opened Tallahassee | 1 | 0 | +1 | 67 |
| 2018 | Closed 3 in 2 states | 0 | 3 | −3 | 64 |
| 2019 | Closed Cedar Key and Whigham | 0 | 2 | −2 | 62 |
| 2020 | Opened Panama City BeachClosed Cairo and Tallahassee | 1 | 2 | −1 | 61 |
| 2021 | Opened Marietta | 1 | 0 | +1 | 62 |
| 2022 | Opened 4 in 2 states | 4 | 0 | +4 | 66 |
| 2023 | Opened 4 in 2 statesClosed Tallahassee | 4 | 2 | +2 | 68 |
| 2025 | Opened Panama City BeachClosed Citrus Springs and Dublin | 1 | 2 | −1 | 67 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 48% | 27% | |
| Commercial real estate | 25% | 37% | |
| Construction and land | 10% | 5% | |
| Consumer | 7% | 4% | |
| Business (C&I) | 6% | 17% | |
| Multifamily | 2% | 5% | |
| Farmland | 1% | 1% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 54% | |
| Noninterest-bearing | 38% | 24% | |
| Time deposits | 4% | 22% |
Brokered deposits are 0.0% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.40% | 0.29% |
| Net charge-offs, annualized | 0.12% | 0.03% |
| Reserves to loans | 1.22% | 1.16% |
| Leverage ratio | 10.29% | 9.97% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Leon County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/capital-city