Side-by-side · Q2 2026 data
Capital City Bank vs Ocean Bank
Metric by metric
| Measure | Capital City Bank | Ocean Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 63 |
| Capital cushion | 53 (stronger) | 50 |
| Loan quality | 87 | 87 |
| Earnings | 81 (stronger) | 63 |
| Funding & liquidity | 58 (stronger) | 27 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 66th | 30th |
| Total assets | $4.4B | $7.6B |
| Deposits / shares | $3.8B | $6.2B |
| Capital ratio | 10.29% (stronger) | 9.96% |
| Problem loans | 0.40% | 0.38% (stronger) |
| Net charge-offs | 0.12% | -0.00% (stronger) |
| Return on assets | 1.52% (stronger) | 1.08% |
| Loans ÷ deposits | 65.6% (stronger) | 98.8% |
| Uninsured deposits | 47.8% | 45.9% (stronger) |
| Offices | 59 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 29.0% |
Capital City Bank has the higher TellerScore (72 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 4 and Ocean Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.