Side-by-side · Q2 2026 data
Capital City Bank vs Four Seasons Federal Credit Union
Metric by metric
| Measure | Capital City Bank | Four Seasons Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 58 |
| Capital cushion | 53 (stronger) | 36 |
| Loan quality | 87 (stronger) | 49 |
| Earnings | 81 (stronger) | 63 |
| Funding & liquidity | 58 | 96 (stronger) |
| Problem-loan coverage | 95 (stronger) | 79 |
| Peer percentile | 66th | 16th |
| Total assets | $4.4B | $103.7M |
| Deposits / shares | $3.8B | $93.2M |
| Capital ratio | 10.29% (stronger) | 8.64% |
| Problem loans | 0.40% (stronger) | 1.53% |
| Net charge-offs | 0.12% (stronger) | 1.39% |
| Return on assets | 1.52% (stronger) | 1.08% |
| Loans ÷ deposits | 65.6% | 64.6% (stronger) |
| Uninsured deposits | 47.8% | 9.4% (stronger) |
| Offices | 59 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | — |
Capital City Bank has the higher TellerScore (72 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 5 and Four Seasons Federal Credit Union on 2. 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.