Side-by-side · Q2 2026 data
Capital City Bank vs First Federal Bank
Metric by metric
| Measure | Capital City Bank | First Federal Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 50 |
| Capital cushion | 53 | 58 (stronger) |
| Loan quality | 87 (stronger) | 1 |
| Earnings | 81 (stronger) | 68 |
| Funding & liquidity | 58 | 72 (stronger) |
| Problem-loan coverage | 95 (stronger) | 82 |
| Peer percentile | 66th | 7th |
| Total assets | $4.4B | $4.5B |
| Deposits / shares | $3.8B | $3.4B |
| Capital ratio | 10.29% | 10.83% (stronger) |
| Problem loans | 0.40% (stronger) | 2.96% |
| Net charge-offs | 0.12% | 0.11% (stronger) |
| Return on assets | 1.52% (stronger) | 1.19% |
| Loans ÷ deposits | 65.6% | 41.4% (stronger) |
| Uninsured deposits | 47.8% | 40.7% (stronger) |
| Offices | 59 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 13.5% |
Capital City Bank has the higher TellerScore (72 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 3 and First Federal Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.