Side-by-side · Q2 2026 data
Capital City Bank vs Madison County Community Bank
Metric by metric
| Measure | Capital City Bank | Madison County Community Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 53 (stronger) | 34 |
| Loan quality | 87 | 90 (stronger) |
| Earnings | 81 (stronger) | 53 |
| Funding & liquidity | 58 | 88 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 66th | 31st |
| Total assets | $4.4B | $211.7M |
| Deposits / shares | $3.8B | $196.9M |
| Capital ratio | 10.29% (stronger) | 8.42% |
| Problem loans | 0.40% | 0.30% (stronger) |
| Net charge-offs | 0.12% | 0.00% (stronger) |
| Return on assets | 1.52% (stronger) | 0.83% |
| Loans ÷ deposits | 65.6% | 59.1% (stronger) |
| Uninsured deposits | 47.8% | 26.1% (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 66). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 3 and Madison County Community Bank on 4. 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
- Madison, FL
- Perry, FL