Side-by-side · Q2 2026 data
Capital City Bank vs U. S. Century Bank
Metric by metric
| Measure | Capital City Bank | U. S. Century Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 53 (stronger) | 50 |
| Loan quality | 87 | 97 (stronger) |
| Earnings | 81 (stronger) | 80 |
| Funding & liquidity | 58 (stronger) | 24 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 66th | 53rd |
| Total assets | $4.4B | $3.0B |
| Deposits / shares | $3.8B | $2.5B |
| Capital ratio | 10.29% (stronger) | 9.97% |
| Problem loans | 0.40% | 0.09% (stronger) |
| Net charge-offs | 0.12% | 0.03% (stronger) |
| Return on assets | 1.52% (stronger) | 1.49% |
| Loans ÷ deposits | 65.6% (stronger) | 92.5% |
| Uninsured deposits | 47.8% (stronger) | 54.3% |
| Offices | 59 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 32.0% | 1.9% |
Capital City Bank has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Capital City Bank leads on 5 and U. S. Century Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.