Side-by-side · Q2 2026 data
Capital City Bank vs Emigrant Bank
Metric by metric
| Measure | Capital City Bank | Emigrant Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 55 |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 81 (stronger) | 44 |
| Funding & liquidity | 58 | 64 (stronger) |
| Problem-loan coverage | 95 (stronger) | 69 |
| Peer percentile | 66th | 13th |
| Total assets | $4.4B | $5.7B |
| Deposits / shares | $3.8B | $4.2B |
| Capital ratio | 10.29% | 20.30% (stronger) |
| Problem loans | 0.40% (stronger) | 4.77% |
| Net charge-offs | 0.12% (stronger) | 0.67% |
| Return on assets | 1.52% (stronger) | 0.60% |
| Loans ÷ deposits | 65.6% (stronger) | 93.2% |
| Uninsured deposits | 47.8% | 17.5% (stronger) |
| Offices | 59 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | — |
Capital City Bank has the higher TellerScore (72 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 5 and Emigrant Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.