Side-by-side · Q2 2026 data
Capital City Bank vs Centennial Bank
Metric by metric
| Measure | Capital City Bank | Centennial Bank |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 53 | 76 (stronger) |
| Loan quality | 87 (stronger) | 82 |
| Earnings | 81 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 40 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 66th | 94th |
| Total assets | $4.4B | $24.6B |
| Deposits / shares | $3.8B | $19.6B |
| Capital ratio | 10.29% | 12.61% (stronger) |
| Problem loans | 0.40% (stronger) | 0.55% |
| Net charge-offs | 0.12% | 0.07% (stronger) |
| Return on assets | 1.52% | 2.13% (stronger) |
| Loans ÷ deposits | 65.6% (stronger) | 85.4% |
| Uninsured deposits | 47.8% | 46.7% (stronger) |
| Offices | 59 | 225 |
| CFPB complaints (3 yrs) | — | 55 |
| Complaints per $1B deposits | — | 2.8 |
| Mortgage denial rate (HMDA) | 32.0% | 23.4% |
Centennial Bank has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 2 and Centennial Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Tallahassee, FL
- Panama City Beach, FL
- Spring Hill, FL
- Panama City, FL
- Port Saint Joe, FL
- Crawfordville, FL
- Quincy, FL