Capital City Bank

217 North Monroe Street
Tallahassee, FL 32301


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9622
Date Established 1907
Assets $2.99 billion
Loans $1.83 billion
Deposits $2.60 billion
Capital $0.35 billion

Capital City Bank is an FDIC insured institution located in Tallahassee, FL. It was founded in 1907 and has approximately $2.99 billion in assets. Customers can open an account at one of its 70 branches.

For a more detailed analysis of Capital City Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.01% $1 $24,999 Learn MoreShow Less
Money Market
0.05% $25,000 $99,999 Learn MoreShow Less
Premium Money Market Account
0.01% $1 $24,999 Learn MoreShow Less
Premium Money Market Account
0.05% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
0.05% $1,000 $249,999 Learn MoreShow Less
3 Mo CD
0.10% $1,000 $249,999 Learn MoreShow Less
6 Mo CD
0.10% $1,000 $249,999 Learn MoreShow Less
12 Mo CD
0.15% $1,000 $249,999 Learn MoreShow Less
18 Mo CD
0.20% $1,000 $249,999 Learn MoreShow Less
24 Mo CD
0.25% $1,000 $249,999 Learn MoreShow Less
30 Mo CD
0.25% $1,000 $249,999 Learn MoreShow Less
36 Mo CD
0.35% $1,000 $249,999 Learn MoreShow Less
48 Mo CD
0.50% $1,000 $249,999 Learn MoreShow Less
60 Mo CD
0.60% $1,000 $249,999 Learn MoreShow Less

Fixed IRA
0.15% $1,000 $249,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $24,999 Learn MoreShow Less

Loan Rates - October 15, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Capital City Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: MC-3098
3.634% 3.625% 0.13 $265 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Capital City Bank
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Capital City Bank Locations

Financial Details

Capital City Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capital City Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Capital City Bank U.S. Bank Average
1.82% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Capital City Bank had $5,625,000 in non-current loans and $1,010,000 in owned real estate. To cover these potential losses it had $350,562,000 in equity and $14,593,000 in loans loss reserves. That gives it a Texas Ratio of 1.82%.

Return on Equity
Capital City Bank U.S. Bank Average
8.65% 9.50%

Capital City Bank has a Return on Equity of 8.65% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capital City Bank U.S. Bank Average
11.71% 12.76%

Capital City Bank has a Capitalization of 11.71% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Capital City Bank Balance Sheet Analysis

As of June 30, 2019, Capital City Bank had assets of $2,994,817,000, loans of $1,830,474,000, and deposits of $2,599,037,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.29 billion
Interest-bearing balances $0.23 billion
Total securities $0.63 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.83 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.08 billion
All other assets $0.07 billion
     Total Assets $2.64 billion
Total deposits $2.60 billion
      Interest-bearing deposits $1.53 billion
      Deposits held in domestic offices $2.60 billion
      % insured (estimated) 65.65%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.03 billion
      Total Liabilities $2.64 billion
      Shareholders’ Equity $0.35 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.06 billion
Total Interest Expense $0.00 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.06 billion
Pre-tax Net Operating Income $0.02 billion

Bank Loan Profile?

The top three loan types in Capital City Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Consumer Auto Loans.

Compared to other banks in Florida, Capital City Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.04
Credit Card Loans 0.00
Consumer Auto Loans 14.20
Small Business Loans 11.79
Construction and Development Loans 8.44
Commercial Real Estate 27.49
Commercial and Industrial Loans 10.28
Farm Loans 0.39

Frequently Asked Questions About Capital City Bank

Branches and Savings

Is Capital City Bank FDIC insured?

Yes. It is covered under FDIC Certificate #9622.

Why does Capital City Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Capital City Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Capital City Bank a commercial bank?


Where are Capital City Bank locations?

See branch locations nearby.

Is Capital City Bank open on Saturdays?

Is Capital City Bank open on Sundays?

What time does Capital City Bank open?

What time does Capital City Bank close?

Are Capital City Bank ATMs Open 24/7?

Do Capital City Bank ATMs accept cash deposits?

Can Capital City Bank customers use other ATMs?

Do Capital City Bank branches have notaries?

Will Capital City Bank notarize my document?

What address for Capital City Bank should I put for incoming ACH transfers?

Will the Capital City Bank branch print checks?

Do Capital City Bank checks expire?

Does Capital City Bank require US citizenship to open account?

Can Capital City Bank close my account?

Does Capital City Bank Report to credit bureaus?

Does Capital City Bank Use Equifax?

What is Capital City Bank's ACH Routing Number?

What is Capital City Bank's SWIFT code?


Does Capital City Bank offer mortgages?

Compare mortgage rates here.

Does Capital City Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capital City Bank offer personal loans?

Compare personal loan rates here.

Does Capital City Bank offer student loans?

Will Capital City Bank cash a check?

Will Capital City Bank redeem a savings bond?

Does Capital City Bank cash savings bonds?

Will Capital City Bank cash money orders?

Can Capital City Bank issue a money order?

Does Capital City Bank do currency exchange?

Background on The Bank

Who owns Capital City Bank?

How long has Capital City Bank been around?

Can Capital City Bank transfer to other banks?

Does Capital City Bank have quick pay?

Does Capital City Bank accept rolled coins?

Will Capital City Bank accept loose change?

Where is Capital City Bank headquarters?

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