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Capital City Bank
Tallahassee, FL · FDIC Certificate #9622 · Chartered 06/1
Total assets
$4.45B
Total deposits
$3.82B
Total equity
$527.39M
Net loans
$2.50B
Branches (offices)
67
Net income (YTD)
$33.57M
Rank: #312 of 4,213 U.S. banks by assets · #13 of 81 in Florida. Assets changed 1.3% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 12.85% |
| Net interest margin (YTD) | 4.33% |
| Equity to assets | 11.86% |
| Tier 1 leverage ratio | 10.29% |
| Uninsured deposits (share of deposits) | 47.8% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 65.6% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.18B | 87.0% | |
| Commercial & industrial | $142.76M | 5.7% | |
| Consumer / individual | $183.08M | 7.3% | |
| Construction & development | $245.46M | 9.8% | |
| Agricultural | $5.15M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.34B | $3.84B | $14.23M | $393.16M |
| Jun 2023 | $4.39B | $3.85B | $28.96M | $420.04M |
| Jun 2024 | $4.22B | $3.68B | $28.28M | $454.95M |
| Jun 2025 | $4.39B | $3.79B | $33.16M | $501.75M |
| Jun 2026 | $4.45B | $3.82B | $33.57M | $527.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $3.33B | 53 |
| Georgia | $449.74M | 12 |
| Alabama | $37.93M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.82B.
Similar-sized banks
Choiceone Bank ($4.45B) · Hometrust Bank ($4.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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