Side-by-side · Q2 2026 data
Capital City Bank vs Panhandle Credit Union
Metric by metric
| Measure | Capital City Bank | Panhandle Credit Union |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 53 | 85 (stronger) |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 81 (stronger) | 72 |
| Funding & liquidity | 58 | 94 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 66th | 91st |
| Total assets | $4.4B | $367.9M |
| Deposits / shares | $3.8B | $313.8M |
| Capital ratio | 10.29% | 13.46% (stronger) |
| Problem loans | 0.40% | 0.27% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.24% |
| Return on assets | 1.52% (stronger) | 1.29% |
| Loans ÷ deposits | 65.6% (stronger) | 66.2% |
| Uninsured deposits | 47.8% | 9.5% (stronger) |
| Offices | 59 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 3 and Panhandle Credit Union 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.