BlastPoint's Banking Scorecard

Capital City Bank

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

Tallahassee, FL

67 branches across FL · GA · AL

884 banks in the $1B-$10B peer group nationally 27 in FL

Capital City Bank has 4 strengths but faces 2 concerns

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 19.9% in tier
+ Deposit Franchise: Top 51.2% in tier
+ ROA 0.14% above tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 36.9% in tier
- Efficiency Ratio 3.72% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$4.5B -0.2% YoY +1.5% QoQ	+$1.6B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$2.5B -5.3% YoY -1.0% QoQ	+$547.6M	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$3.8B -0.9% YoY +2.2% QoQ	+$1.5B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.50% -3.3% YoY +3.0% QoQ	+0.14%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	4.27% +1.4% YoY -1.8% QoQ	+0.45%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	64.78% +0.5% YoY -0.6% QoQ	+3.72%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.44% +173.8% YoY +30.9% QoQ	-0.45%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	65.47% -4.5% YoY -3.1% QoQ	-18.74%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 12.6% in tier
Non-Interest-Bearing Deposit Share ?	36.12% -3.6% YoY +0.8% QoQ	+14.83%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Top 7.9% in tier
Nonperforming Asset Ratio ?	0.29% +193.4% YoY +21.2% QoQ	-0.38%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	17.69% +13.6% YoY +2.5% QoQ	+2.53%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.45% -11.5% YoY -76.1% QoQ	+0.20%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Top 7.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 221 • Top 19.9% 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: 0.45%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.50%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#45 of 86 • Top 51.2% 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: 36.12%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.27%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (1)

Deposit Outflow

decline

#49 of 130 • Bottom 36.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (8 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.45%

Peer Median: 0.26%

#63 of 884 Top 7.0% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 36.12%

Peer Median: 21.29%

#71 of 884 Top 7.9% in $1B-$10B

112

Loan-to-Deposit Ratio

liquidity

Value: 65.47%

Peer Median: 84.20%

#112 of 884 Top 12.6% in $1B-$10B

113

Tier 1 Capital Ratio

capital

Value: 17.69%

Peer Median: 15.16%

#113 of 884 Top 12.7% in $1B-$10B

143

Total Deposits

size

Value: $3.84B

Peer Median: $2.34B

#143 of 884 Top 16.1% in $1B-$10B

154

Total Assets

size

Value: $4.45B

Peer Median: $2.82B

#154 of 884 Top 17.3% in $1B-$10B

162

Net Interest Margin

profitability

Value: 4.27%

Peer Median: 3.82%

#162 of 884 Top 18.2% in $1B-$10B

206

Total Loans

size

Value: $2.51B

Peer Median: $1.96B

#206 of 884 Top 23.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available