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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Capital City Bank

Tallahassee, Florida · $4.45B in assets · beside the 8 other Florida banks between $3B and $10B

The filing

-4.4%
Loans, year over year
9th of 9, largest first
66.4%
Loans / deposits
2nd of 9
11.9%
Equity / assets
2nd of 9

Capital City Bank is the sixth largest of the 9 Florida banks between $3B and $10B, with $4.45B in assets at 30 June 2026. Loans are 66.4% of deposits, 2nd of 9 against a median of 76.7%, and equity is 11.9% of assets, 2nd of 9. Loans grew -4.4% in the year, the slowest in the cohort, and deposits grew 0.7%; the cohort's median loan growth is +9.1%.

Noncurrent loans are 0.40% of the book, 5th of 9 against a median of 0.40%; 0.11% is 30 to 89 days past due, and the allowance covers them 3.1 times. Net charge-offs are 0.12% of loans, 8th of 9. Commercial real estate is 22.9% of loans, 4th of 9 against a median of 27.4%, and 122% of capital, below the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 1.52%, 2nd of 9 against a median of 1.22%, on an efficiency ratio of 64.8%, 7th of 9. Five years ago it was 0.94%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 76.7% FF First Federal Bank 41.7% CC Capital City Bank 66.4% BD Banco Do Brasil Americas 70.9% BU Banesco USA 76.7% Bo Bank of Tampa 76.7% BB Bradesco Bank 91.3% US U S Century Bank 93.6% EB Emigrant Bank 95.1% OB Ocean Bank 100.1%
Loans, year over yearFL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +9.1% BD Banco Do Brasil Americas +16.7% BB Bradesco Bank +15.2% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% OB Ocean Bank +9.1% BU Banesco USA +8.4% FF First Federal Bank +4.6% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Capital City BankRankCohort median
Total CRE against capital, the 300% screen122%5th of 9122%
Construction against capital, the 100% screen51%9th of 924%
Construction and land development, share of loans9.7%9th of 94.6%
Non-owner-occupied nonfarm nonresidential, share of loans11.4%2nd of 913.9%
Total CRE, the guidance definition, share of loans22.9%4th of 927.4%
CRE growth over 36 months, the third prong-23.7%1st of 9+23.8%
Commercial real estate against capital, the 300% screenFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 122% FF First Federal Bank 49% BB Bradesco Bank 50% EB Emigrant Bank 100% BD Banco Do Brasil Americas 108% CC Capital City Bank 122% Bo Bank of Tampa 156% BU Banesco USA 216% US U S Century Bank 347% OB Ocean Bank 528%
CRE growth over 36 months, the guidance's third prongFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +23.8% CC Capital City Bank -23.7% EB Emigrant Bank -21.9% FF First Federal Bank +4.0% BU Banesco USA +22.3% Bo Bank of Tampa +23.8% OB Ocean Bank +26.8% US U S Century Bank +32.9% BB Bradesco Bank +70.0% BD Banco Do Brasil Americas +85.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ocean Bank$7.63B1.1%60.6%0.38%0.00%1.4%100.1%9.6%
Bradesco Bank$6.10B1.0%59.3%0.15%0.00%1.0%91.3%9.9%
Banesco USA$5.98B1.5%53.9%0.49%0.10%0.9%76.7%10.5%
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Capital City BankCohort median
20212026Change20212026Change
Loans$2.09B$2.53B+21%$1.55B$2.53B+63%
Deposits$3.48B$3.82B+10%$2.43B$3.82B+57%
NPA / loans0.24%0.40%+0.15 pts0.36%0.40%+0.04 pts
Efficiency75.8%64.8%-11.0 pts71.0%59.3%-11.7 pts
ROA0.94%1.52%+0.58 pts0.94%1.22%+0.29 pts

This read was prepared for Capital City Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Capital City Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $3B to $10B
Institution www.ccbg.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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