Side-by-side · Q2 2026 data
Capital City Bank vs First National Bank of Decatur County
Metric by metric
| Measure | Capital City Bank | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 72 (stronger) | 55 |
| Capital cushion | 53 (stronger) | 24 |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 81 (stronger) | 31 |
| Funding & liquidity | 58 | 73 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 66th | 11th |
| Total assets | $4.4B | $359.6M |
| Deposits / shares | $3.8B | $330.8M |
| Capital ratio | 10.29% (stronger) | 7.42% |
| Problem loans | 0.40% | 0.36% (stronger) |
| Net charge-offs | 0.12% | 0.04% (stronger) |
| Return on assets | 1.52% (stronger) | 0.26% |
| Loans ÷ deposits | 65.6% (stronger) | 80.2% |
| Uninsured deposits | 47.8% | 21.8% (stronger) |
| Offices | 59 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 4.0% |
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 4 and First National Bank of Decatur County on 3. 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
- Cairo, GA