BlastPoint's Banking Scorecard

Capital City Bank

$1B-$10B Specialty: Other FL FDIC cert 9622

Tallahassee, FL

67 branches across FL · GA · AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
Deposits +0.7% year over year ($3.8B on the books).
Delinquency rate 0.40%.
Return on assets 1.52%.
Efficiency ratio 64.75% vs a 59.73% peer average.
Loan-to-deposit ratio 65.58% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

Capital City Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 19.8% in tier
+ Deposit Franchise: Top 46.2% in tier
+ ROA 0.13% above tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 5.03% above tier average

Get updates when Capital City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$4.4B +1.3% YoY -0.1% QoQ	+$1.7B	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$2.5B -4.5% YoY -0.4% QoQ	+$539.9M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$3.8B +0.7% YoY -0.5% QoQ	+$1.5B	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	1.52% +0.5% YoY +1.1% QoQ	+0.13%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	4.33% +0.9% YoY +1.3% QoQ	+0.45%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	64.75% -0.2% YoY -0.0% QoQ	+5.03%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	33%
Delinquency Rate ?	0.40% +62.5% YoY -9.8% QoQ	-0.47%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	65.58% -5.1% YoY +0.2% QoQ	-19.46%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Top 11.2% in tier
Non-Interest-Bearing Deposit Share ?	37.75% +0.9% YoY +4.5% QoQ	+16.47%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 5.8% in tier
Nonperforming Asset Ratio ?	0.30% +101.6% YoY +3.7% QoQ	-0.37%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	18.18% +13.0% YoY +2.8% QoQ	+3.33%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 11.1% in tier
Non-Interest Income / Assets ?	0.91% -5.0% YoY +101.5% QoQ	+0.39%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Top 7.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	37.7% +0.3pp YoY +1.6pp QoQ	+16.4pp	21.4%	27.7%	22.2%	94%
Brokered Deposits	n/a	n/a	9.5%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	5.7% 0.0pp YoY +0.1pp QoQ	-8.3pp	14.0%	12.9%	12.5%	22%
CRE	36.8% -0.9pp YoY -0.6pp QoQ	-13.2pp	50.0%	50.6%	41.4%	18%
1-4 Family	48.8% +1.5pp YoY +0.7pp QoQ	+22.4pp	26.4%	30.7%	31.3%	89%
Consumer	7.3% -0.3pp YoY +0.1pp QoQ	+2.6pp	4.7%	3.7%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	18.2% +2.1pp YoY +0.5pp QoQ	+2.6pp	15.6%	19.8%	19.7%	87%
Leverage Ratio	10.3% +0.5pp YoY +0.2pp QoQ	-1.0pp	11.3%	13.9%	12.6%	45%
Total Capital Ratio	19.4% +2.1pp YoY +0.5pp QoQ	+2.7pp	16.7%	21.1%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	901 -41 (-4.4%) YoY -2 (-0.2%) QoQ	+587	313	295	482	96%
Assets per Employee ($)	$4.9M +5.9% YoY +0.1% QoQ	-$5.5M	$10.5M	$10.3M	$8.8M	3%
Branch Count	67 -1 (-1.5%) YoY 0 QoQ	+47	20	13	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.4% +0.2pp YoY 0.0pp QoQ	-0.4pp	0.8%	0.7%	1.0%	40%
Allowance Coverage	3.10x -33.1% YoY +11.3% QoQ	-15.61x	18.71x	16.62x	20.23x	65%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.2%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	12.8% -0.6pp YoY +0.1pp QoQ	+0.3pp	12.6%	9.3%	11.6%	55%
Cost of Funds (YTD)	0.7% 0.0pp YoY 0.0pp QoQ	-1.2pp	1.9%	1.8%	1.7%	2%
Net Income ($, YTD)	$33.6M +1.3% YoY — QoQ	+$14.3M	$19.2M	$25.2M	$40.4M	84%

Get Full Access to Capital City Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#45 of 222 • Top 19.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.91%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.52%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Deposit Franchise

growth

#38 of 80 • Top 46.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.75%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.33%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (8 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 37.75%

Peer Median: 21.27%

#52 of 885 Top 5.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.91%

Peer Median: 0.53%

#67 of 885 Top 7.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.18%

Peer Median: 14.84%

#99 of 885 Top 11.1% in $1B-$10B

100

Loan-to-Deposit Ratio

liquidity

Value: 65.58%

Peer Median: 85.04%

#100 of 885 Top 11.2% in $1B-$10B

139

Total Deposits

size

Value: $3.82B

Peer Median: $2.32B

#139 of 885 Top 15.6% in $1B-$10B

152

Total Assets

size

Value: $4.45B

Peer Median: $2.79B

#152 of 885 Top 17.1% in $1B-$10B

160

Net Interest Margin

profitability

Value: 4.33%

Peer Median: 3.87%

#160 of 885 Top 18.0% in $1B-$10B

205

Total Loans

size

Value: $2.50B

Peer Median: $1.96B

#205 of 885 Top 23.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available