# CAPITAL CITY BANK
TALLAHASSEE, FL · FDIC certificate 9622 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $4.45B | |
| Deposits | $3.82B | |
| Loans and leases | $2.53B | |
| Total equity | $527.4M | |
| Loans / deposits | 65.58% (p12 of band) | 87.10% |
| Liquid assets / assets | 36.64% (p86 of band) | |
| Uninsured deposits / deposits | 47.83% (p89 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.66% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.29% (p45 of band) | 10.50% |
| Unrealized securities loss / equity | -5.53% (p61 of band) | -7.75% |
| AOCI / equity | -0.85% (p22 of band) | |
| ROA (annualized) | 1.52% (p70 of band) | 1.26% |
| Net interest margin | 4.33% (p82 of band) | 3.70% |
| Efficiency ratio | 64.75% (p68 of band) | |
| Noncurrent loans | 0.40% (p40 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p69 of band) | |
| Reserve coverage of noncurrent | 309.73% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 46.54% (p48 of band) | |
| Auto loans | $156.7M (6.18% of loans; DQ 1.16%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 901 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | losing money, expense ratio p90 |  |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 2 |  | losing money |
| 2013-03 | 3 | uninsured deposits leaving |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 1 |  | charge-offs p90, reserve under noncurrent, capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | expense ratio p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | expense ratio p90 | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 0 |  | expense ratio p90 |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-15 [Capital City Bank Expands Tallahassee Presence with Business Banker Willie Correa - Tallahassee Reports](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdklwTUJoT3YtX0RjVXlrOXU4Ny1TUGZ0dmZrN1pHaHhfZW1lbnFwSVZ0STNwRWw3ZzNVOVdoYUVmUy1XY3BTSDJQUGY1aDBwdlRwNGxCZDhjTzZRQ0lJS3lOMjJsVzdMN1pqTVFqNlZzMzhlSmR4dXQzZnJCVWYwVEJUOHdLR0VCTDVvR1pFdUsybTNaeTF0Z0dyMDJNQk5XeWpRRm4wSFdYLXZadXRRczhDWW1XT0lkMVJrRzhpOUl4dw?oc=5) · Tallahassee Reports
- 2026-08-06 [Capital City Bank Group Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBMb1gxYzB3MlFyclZ4NmxrM3ppNHJaYzFZQlV5czBYZ0VCWGgxbU1Ra2huVGVJX1dDR0padlJtajNZQWxnWEtSa1JlY2E3blRmLXFxNHlITENrTWRDS201VDhqMGROWHhHWFRjbkdqd0V1aXZkZ1NFRUlPUQ?oc=5) · reveliolabs.com
- 2026-08-27 [Shareholders of Capital City Bank Group will get $0.27 on Sept. 22 - Stock Titan](https://news.google.com/rss/articles/CBMingFBVV95cUxOZEttNFZiNHFCV1lkVnN2QkNRZS1SNXV3ZF9BTk1OdEdNVElsZHJUUzZZNkZfTmRralA1b1hvUkFUVXdrRC1JWU93cWpROW42UnVKUVpXQkRVaG5zdE00S05QeUVpakpVX0NHOWZXYjdVdEZVTUJlRkEtcWdHSF9EdnVHS0tHc3RUa2xqYnFzU2VCYTVvV2V5TlhKbEZMZw?oc=5) · Stock Titan
- 2026-04-08 [Capital City Bank Group: Loan Declines And Valuation Concerns Lead To My Downgrade - Seeking Alpha](https://news.google.com/rss/articles/CBMitgFBVV95cUxNWHF4ODk4TTFETGtLY0ZBeGg5Y0w2MDMzMG55NWpQTkJiczNvaWJ4NGlzTXRLZ1VpV1o5ODV1dmw4cTJqemY3dy1aWW52ZTRQbXhtSy1FUV9MUlJna3hiNE11N1M5SWxJZER2eXpRcG9xQVBWd2RTNWVQdXluOWxQLTJKeERZYjVhWXhhbzR2MHVvSWltOHRja3hRVEJLT0xGbmQyT1Bha1dTZS13YnFOZ3Y3WXc5Zw?oc=5) · Seeking Alpha
- 2026-07-21 [Capital City Bank: Q2 Earnings Snapshot - KTVB](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPSjV5VS1YU3N3ZGNNb1d3UW02Q2s4SFY4eHJvNjZqN0o2S1FyNmlFdWx2QmFubXd3UjZFRnlNR0ktTkU0MDNma3lzbVpUQjk5d200cXIwRzRkc3kzSkZ5c2MwZEEtREt0cWdWNTFZd0VOUEZhMEcxNlE1NW1jVi11aVlFOFh0UENZZ1dUNWVobm1TUU90aTRmV29UMkhjNHpob1dGN1BEQ213bEpmRE5CR1BWaUt6YlNwQXlDR241TU1SZHhGOUROT3R0cV9Id0tITEE?oc=5) · KTVB
- 2026-08-28 [Capital City Bank Group, Inc. Announces Cash Dividend - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2026-04-07 [Capital City Bank Group: Attractive Thanks To High Earnings Retention Rate (NASDAQ:CCBG) - Seeking Alpha](https://news.google.com/rss/articles/CBMitAFBVV95cUxQVEQtZGFFSDhSRWd6MEF1VDBPSHdqMkU2N0RQOUpjUGFseVFQUXdmRlE2d3JPcGRidWRvQmlZNGRzQnFnQmpkVDBPQUpGbkZBLW1wcnhSLVhyd1AxWW82YkpldG02TTNsYXdaOF9RY19JTVVGbklMTXN4eU8yMjhYYjhMMDJndGxScFdMUVJmVGUzbWw5VGlqUU1tbjgwMHRDblprUjVFNGU3T09Vc1duZUMxcTE?oc=5) · Seeking Alpha
- 2026-08-12 [Who's hitting the Ritz for Tallahassee Chamber of Commerce Conference? - Tallahassee Democrat](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNOHFMcTZLZnRDTGNJVkpjVE9FaEZYWHdyblZFbkM3U214X29DQk8xcDBvX2xycnd1Nl9UcWV2cUxlamxIaDJJb3VyTDdTTzVFYUVEMnFOUmRqU18yOThWRXBCc1I3S2pGRzRHQkhmcXk2YVJwaVR3cW1LNjB6MW13bFNqcDdPeUt4b2Zoc0NQZkc2Rm1LbkIwOURTN2J0MmgyaU5nUmtkY0JDQ2dEelFKQ2FnMWRlTURmWkhtMXBhMDAwMU1FbkxZaGhDQXR5dW5Ba2s0QzJPNmJlYVl3?oc=5) · Tallahassee Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9622 (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/22.json (key "9622", 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