Capital City Bank


217 North Monroe Street
Tallahassee, FL 32301
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD 0.15% 1.15% →
2-Year CD 0.25% 1.26% →
5-Year CD 0.60% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Capital City Bank is an FDIC insured institution located in Tallahassee, FL. It was founded in 1907 and has approximately $3.08 billion in assets. Customers can open an account at one of its 70 branches.

FDIC Insured Yes
FDIC Certificate # 9622
Date Established 1907
Assets $ 3.08 billion
Loans $ 1,923.90 million
Deposits $ 2.59 billion
Capital $ 356.67 million

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 - July 12, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $200 $24,999 Learn More
Money Market
0.01% $1 $24,999 Learn More
Money Market
0.05% $25,000 $99,999 Learn More
3 Mo CD
0.10% $1,000 $249,999 Learn More
0.05% $1,000 $249,999 Learn More
6 Mo CD
0.10% $1,000 $249,999 Learn More
12 Mo CD
0.15% $1,000 $249,999 Learn More
18 Mo CD
0.20% $1,000 $249,999 Learn More
24 Mo CD
0.25% $1,000 $249,999 Learn More
30 Mo CD
0.25% $1,000 $249,999 Learn More
36 Mo CD
0.35% $1,000 $249,999 Learn More
48 Mo CD
0.50% $1,000 $249,999 Learn More
60 Mo CD
0.60% $1,000 $249,999 Learn More

Fixed IRA
0.15% $1,000 $249,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $24,999 Learn MoreShow Less

Loan Rates - July 12, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,438 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to Capital City Bank
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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
1.68% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, Capital City Bank had $4,877,000 in non-current loans and $1,463,000 in owned real estate. To cover these potential losses it had $356,667,000 in equity and $21,083,000 in loans loss reserves. That gives it a Texas Ratio of 1.68%.

Return on Equity
Capital City Bank U.S. Bank Average
5.25% 7.80%

Capital City Bank has a Return on Equity of 5.25% versus the BestCashCow average of 7.80%. 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
11.59% 12.68%

Capital City Bank has a Capitalization of 11.59% versus the BestCashCow average of 12.68. 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 March 31, 2020, Capital City Bank had assets of $3,077,048,000, loans of $1,923,902,000, and deposits of $2,586,839,000. 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

March 31, 2020
Cash & Balances due from depository institutions $ 269.61 million
Interest-bearing balances $ 196.94 million
Total securities $ 626.53 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,923.90 million
Loan loss allowance $ 21.08 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.46 million
Goodwill and other intangibles $ 90.19 million
All other assets $ 71.04 million
     Total Assets $ 2.72 billion
Total deposits $ 2.59 billion
      Interest-bearing deposits $ 1,473.03 million
      Deposits held in domestic offices $ 2.59 billion
      % insured (estimated) 66.81%
Federal funds purchased and repurchase agreements $ 3.08 million
Trading liabilities N.A.
Other borrowed funds $ 85.76 million
Subordinated debt N.A.
All other liabilities $ 44.71 million
      Total Liabilities $ 2.72 billion
      Shareholders’ Equity $ 356.67 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 27.37 million
Total Interest Expense $ 1.11 million
Net interest income $ 26.26 million
Provision for loan and lease losses $ 4.99 million
Total non interest income $ 16.24 million
Total non interest expense $ 31.63 million
Pre-tax Net Operating Income $ 5.88 million

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, Small Business 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 31.88
Credit Card Loans 0.00
Consumer Auto Loans 12.99
Small Business Loans 11.54
Construction and Development Loans 9.70
Commercial Real Estate 27.79
Commercial and Industrial Loans 9.70
Farm Loans 0.36

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?

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Is Capital City Bank open on Saturdays?

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Are Capital City Bank ATMs Open 24/7?

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Can Capital City Bank customers use other ATMs?

Do Capital City Bank branches have notaries?

Will Capital City Bank notarize my document?

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Will the Capital City Bank branch print checks?

Do Capital City Bank checks expire?

Does Capital City Bank require US citizenship to open account?

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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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