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Capital City Bank
Tallahassee, FL·FDIC Cert #9622·Charter: STATE·Est. 19070613.0·HC: CAPITAL CITY BANK GROUP INC
Total Assets
$4.4B
Q4 2025
Return on Assets
1.46%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.16%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%-0.03
ROE
12.74%-0.41
Efficiency
65.16%+0.22
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
67.54%-1.88
Charge-offs
0.14%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.3 | 1.3 | 1.6 | 1.5 | 1.5 | 1.5 |
| ROE | 11.8 | 12.6 | 12.5 | 12.5 | 14.0 | 13.5 | 13.2 | 12.7 |
| Efficiency | 69.6 | 68.1 | 68.6 | 67.9 | 64.5 | 64.9 | 64.9 | 65.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 73.2 | 72.9 | 73.3 | 70.7 | 68.5 | 69.1 | 69.4 | 67.5 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.8B
Total Loans$2.5B
Total Equity$517.8M
Profitability
ROA1.46%
ROE12.74%
Efficiency Ratio65.16%
Net Income$63.8M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.14%
Loan/Deposit67.54%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans