# CAPITAL CITY BANK
TOPEKA, KS · FDIC certificate 16803 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $431.9M | |
| Deposits | $376.9M | |
| Loans and leases | $303.1M | |
| Total equity | $36.4M | |
| Loans / deposits | 79.67% (p37 of band) | 86.00% |
| Liquid assets / assets | 24.84% (p57 of band) | |
| Uninsured deposits / deposits | 25.87% (p65 of band) | 21.20% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.43% (p40 of band) | |
| FHLB advances / assets | 2.92% | |
| Tier 1 leverage | 8.80% (p12 of band) | 10.47% |
| Unrealized securities loss / equity | -6.85% (p16 of band) | -2.60% |
| AOCI / equity | -2.09% (p36 of band) | |
| ROA (annualized) | 1.02% (p44 of band) | 1.09% |
| Net interest margin | 3.68% (p48 of band) | 3.71% |
| Efficiency ratio | 70.57% (p65 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.52% |
| Net charge-offs (annualized) | 0.03% (p64 of band) | |
| Reserve coverage of noncurrent | 25736.36% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 50.74% (p59 of band) | |
| Auto loans | $3.0M (0.99% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 99 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | wholesale funding >15% |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | brokered >10% |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 1 |  | brokered >10%, uninsured deposits leaving |
| 2014-06 | 2 | brokered >10% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | assets shrinking |  |
| 2015-03 | 3 | uninsured deposits leaving | assets shrinking |
| 2015-06 | 2 |  | uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 1 |  | wholesale funding >15% |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-23 [Why Capital City Bank (CCBG) is a Top Dividend Stock for Your Portfolio - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPX0diMk5Wa1pUTDlzUkdReDBZZlFzWW1GZ3piTFFDZl9COENsT1drbzdLdUdKV0haekpzaU52eDd4ajVlVjdWNlBWbVBKZlBjVjJyXzBRckpPUzY0Ykx2a0ZyRUdrLUVNZXNveFdLMFJJT3MwcGFrME96RFNpQnVSSU81V0VPQkRyal9pazFtc0hYX05zN0E?oc=5) · Yahoo Finance
- 2025-06-06 [Corum named Capital City Bank president; Enterprise merger - American Banker](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ01uUzlIU3JKLWdZaW5vU1gzakotdFBTYnRuWjlRb0RVSHl1YUYxc2lwQkowcDhMTl9hUVRuY3haX3RKQkpTQm0yeXI5dE9SSTBCSnQySkxxUnBweV9CcEJiOGpjNVpWX241c000Q25ZVE1BNmdmeUZ2Vk4tWDhJb1I1MFBwZlVWZkxQQ2Jxcw?oc=5) · American Banker
- 2018-04-30 [Cap Fed buys Capital City Bank - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxOTWNtRTRKZklMTkNzN0ZzWGtPUGs2OTNJekFPNUNVS1ljNjU5RHlyTTBQVmFINERzS0dKVVJuSzM5amgxUTBnY1RvVGloUWtKbjNMeDkzVnN0aVBJUnM2Z1FGN1djQUw3aWpmRnpyeUUtUjBWOXZ5aGpZakprNXBiYUdnbHY2VjViS1BXZ0RWOU85WGxqQnhBSURhOG1NZmVWY3RJN0Via2lzRFhMbEkwWklmRm1tOGVZbUR2Z2dfRmNTUTN0YkFLdmdqMl8?oc=5) · The Topeka Capital-Journal
- 2025-07-11 [Deputies arrest suspect in Crystal River bank robbery - chronicleonline.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNWmRaZTBLNllMMWZUak1yVDNNejRWMWJ1Y0xfT0QzMlN5alQwR2xHamRDU2xDR3JBZW9xM2tQVlV4S0w4R3o5WGhsdlpTV1ZwRnpDSDA5U3pvYUpiRWk2WmN3bXFCbC1YU1liOFJRXzJxYTZqaGFTQWhRSjdMeHA5ZVhldzcwUUFuVXRWa01XVW95Q1BRek1kVnRPTlF6R2paanA0dnp4MElTVFd5OVFMdHRORnRLbVNKZDNJVnVGZkU2YUdrNTQ1SEVNdnd4eXhpUmVNR3BDUEpacWRBUGRV?oc=5) · chronicleonline.com
- 2022-08-18 [Amelia Island-bound: Who's registered to attend Tallahassee Chamber of Commerce conference? - Tallahassee Democrat](https://news.google.com/rss/articles/CBMitgFBVV95cUxOZlNqVUFFWDVoaXZsaGpNeUpjLVJDMmZGMHVfR2J3NXdxcmhmdVV0d09USlllQW56UGtPNExFLTE1SG9kVGEtS3N4SXItLTFmcWNiZkZGckdGY21Gb0ItZ2hkMjIwNVhoajg3aTZPZWFqOEw0bXVnVWYzY1ktUUU5N0ktTm8weU5URXAxa01PTUpYR2FSOHBnc3ZDb0haOUdMeThNQzV1VHY5cXNKQ2N6ZkxBZ3lBQQ?oc=5) · Tallahassee Democrat
- 2023-10-11 [Cecilia Adam Obituary (2023) - Lawrence, KS - Lawrence Journal-World](https://news.google.com/rss/articles/CBMilgFBVV95cUxOVFVmQXVhQXpXM0V2QnFYNHpmdVlhSnUtLUpadnNsbXpfb1ZSV0kzeDZQaENDOHY1TWpmcHNiWEtLN0ZjLXpmbDdmMnR0Z09jOEVFMVgwVDFTZnJaZ0pGZTN5bTh0WEs4TF9WN25rNU55dXo5X3dodzI5T1pzdGVRcW5iLWY2WlRNemNrdjdVal9JcmRkWFE?oc=5) · Lawrence Journal-World
- 2018-09-25 [CapFed pays out for bank buy - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOSmlrcnE1anNsSUhKb1FpQVdpaEZwR0s1TWc0VWRaV3hnZ1RpNjNIbXlhV0RwTVZKcnRlUHMwS1RWMkRqZ1BMSEJHY0hwXzV4Z0sxMlh6Wl9GMzhjM2hqbzBNUkJkRTQ5ZEhkSTcwQjVpSkNabDdJX09na2xGQjl4SG1tYTVwNnNNZEFJSHN1bnk3dEUtY0xqbkF3SEJUTVVRM05udkVHQnJtUkpVMVBlZmhUd3l5WENITlFyc25fQ18zT3Jsa01HTGUwTHRnNkw4YjhSbHpfM1RETXRqSUV2XzZoak43aVdvT2laMm13?oc=5) · The Topeka Capital-Journal
- 2012-03-15 [Town Talk: Treanor begins construction on new downtown headquarters; parking changes on tap for area near 10th and Vermont; Capital City Bank has expansion on its mind - Lawrence Journal-World](https://news.google.com/rss/articles/CBMimAFBVV95cUxQS0ljQXlKanVwczRpS2QxeU1WUWdPOHZrbUVDUEVud1dscThlX2JlVVpuZ2VTS1M0Nmo3cXFjX1phUGxObDRta2VfZEYzd1NZbUZ2T0xqMVhIS1RaRmtuQV9FVWJpUWF6ZjUwX1BHdE83TTc4QnpqQ25pU0hwb09ULUpubjdUeFkySVFxUlNVZUpTTTJHVWRGbw?oc=5) · Lawrence Journal-World

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16803 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "16803", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide