Capital City Bank (FDIC certificate #9622) is based in Tallahassee, Florida. Its Q2 2026 call report shows $4.4B in total assets and $3.8B in deposits and 67 offices across 3 states.
Capital City Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 30th. Problem-loan coverage contributes the most (95/100, 2.4%); capital cushion contributes the least (53/100, 10.29%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 72).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 73 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.35% |
| Q3 2024 | 9.61% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.68% |
| Q2 2025 | 9.76% |
| Q3 2025 | 10.04% |
| Q4 2025 | 10.06% |
| Q1 2026 | 10.11% |
| Q2 2026 | 10.29% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.35% |
| Q1 2025 | 1.55% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $4.4B | 10.29% | 0.40% | 1.52% | 65.6% |
| Q1 2026 | 71 | $4.5B | 10.11% | 0.44% | 1.50% | 65.5% |
| Q4 2025 | 71 | $4.4B | 10.06% | 0.33% | 1.46% | 67.5% |
| Q3 2025 | 72 | $4.3B | 10.04% | 0.31% | 1.49% | 69.4% |
| Q2 2025 | 72 | $4.4B | 9.76% | 0.24% | 1.51% | 69.1% |
| Q1 2025 | 73 | $4.5B | 9.68% | 0.16% | 1.55% | 68.5% |
| Q4 2024 | 70 | $4.3B | 9.67% | 0.24% | 1.35% | 70.7% |
| Q3 2024 | 69 | $4.2B | 9.61% | 0.24% | 1.33% | 73.3% |
| Q2 2024 | 69 | $4.2B | 9.35% | 0.20% | 1.33% | 72.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal BankBank Lake City, FL | 50 out of 100, Below average | $4.5B | 10.8% | 2.96% | vs |
| Banco do Brasil AmericasBank Miami, FL | 72 out of 100, Strong | $3.5B | 10.9% | 0.83% | vs |
| Emigrant BankBank Miami, FL | 55 out of 100, Moderate | $5.7B | 20.3% | 4.77% | vs |
| The Bank of TampaBank Tampa, FL | 70 out of 100, Strong | $3.0B | 11.0% | 0.29% | vs |
| U. S. Century BankBank Doral, FL | 69 out of 100, Moderate | $3.0B | 10.0% | 0.09% | vs |
| Banesco USABank Miami, FL | 72 out of 100, Strong | $6.0B | 11.5% | 0.49% | vs |
Deposit insurance
Is my money safe at Capital City Bank?
Yes. Capital City Bank is an FDIC-insured institution (FDIC certificate #9622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.8% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.43% (benchmark: 10%).
67 locations
Branches
Capital City Bank lists 59 offices in 42 cities across 3 states. Most locations:
- Tallahassee, FL (9)
- Gainesville, FL (4)
- Macon, GA (4)
- Newberry, FL (2)
- Panama City Beach, FL (2)
- Spring Hill, FL (2)
- Alachua, FL (1)
- Bell, FL (1)
- Branford, FL (1)
- Bronson, FL (1)
- Brooksville, FL (1)
- Cairo, GA (1)
HMDA 2025
Mortgage lending
In 2025, Capital City Bank reported 765 home-loan applications under HMDA (LEI 2549004EXIAAMK5CLH54): 462 originated ($77,220,000 total), 239 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Capital City Bank
- Former names
- Havana State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9622
- RSSD ID
- 876634
- Primary regulator
- FED
- Holding company
- Capital City Bank Group Inc
- Established
- June 13, 1907
- Headquarters
- 217 N Monroe St, Tallahassee, FL 32301
- Website
- www.ccbg.com
- Employees
- 901
Quick answers
Capital City Bank: common questions
Is Capital City Bank FDIC insured?
Yes. Capital City Bank is an FDIC-insured institution (FDIC certificate #9622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Capital City Bank's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Capital City Bank ever failed?
There is no failure record for FDIC certificate #9622 in the FDIC failed bank list.
How many branches does Capital City Bank have?
67 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Tallahassee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hello Credit UnionCredit union Panama City, FL | 80 out of 100, Strong | $159.9M | 14.3% | 0.32% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Loyalty Credit UnionCredit union Pensacola, FL | 75 out of 100, Strong | $300.3M | 11.6% | 0.66% | vs |
| Jefferson County Teachers Credit UnionCredit union Monticello, FL | 75 out of 100, Strong | $16.4M | 13.9% | 0.85% | vs |