Capital City Bank Mortgage Rates, Fees & Info

Tallahassee, FL

LEI: 2549004EXIAAMK5CLH54

Tax ID: 59-3277398

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Capital City Bank is a smaller bank specializing in Home Purchase loans. Capital City Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Tallahassee, Gainesville, Tampa, Homosassa Springs, and Ocala among others. We have data for 44 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Capital City Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capital City Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 11/21/24
    30 Year Conventional Purchase 6.27% 11/21/24
    30 Year Conventional Refi 6.27% 11/21/24
    30 Year Cash-out Refi 6.27% 11/21/24
    15 Year Conventional Purchase 5.68% 11/21/24
    15 Year Conventional Refi 5.68% 11/21/24
    15 Year Cash-out Refi 5.68% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Capital City Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Capital City Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,122

    Origination Dollar Volume (All Markets)

    $381,000,000

    Employee count

    815 Show all (12) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    TALLAHASSEE, FL (FHA|USDA|VA) 931 $179,795,000 $193,120 $3,425 3.99%
    GAINESVILLE, FL (FHA|USDA|VA) 210 $35,830,000 $170,619 $3,552 3.80%
    Outside of Metro Areas 236 $33,880,000 $143,559 $3,493 3.82%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 182 $31,510,000 $173,132 $2,596 3.99%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 96 $16,140,000 $168,125 $2,600 4.03%
    OCALA, FL (FHA|USDA|VA) 38 $12,590,000 $331,316 $2,583 4.51%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 77 $12,215,000 $158,636 $2,048 4.15%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 42 $10,050,000 $239,286 $2,418 4.00%
    PANAMA CITY, FL (FHA|USDA|VA) 35 $9,405,000 $268,714 $4,556 4.37%
    JACKSONVILLE, FL (FHA|USDA|VA) 40 $5,410,000 $135,250 $3,644 4.06%
    Dublin, GA (FHA|USDA|VA) 43 $3,925,000 $91,279 $2,587 3.82%
    LaGrange, GA-AL (FHA|USDA|VA) 50 $3,530,000 $70,600 $2,385 3.14%
    Palatka, FL (FHA|USDA|VA) 28 $3,450,000 $123,214 $2,912 3.50%
    Statesboro, GA (FHA|USDA|VA) 4 $2,670,000 $667,500 $0 5.36%
    THE VILLAGES, FL (FHA|USDA|VA) 9 $2,445,000 $271,667 $2,461 4.10%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $1,730,000 $288,333 $4,004 4.42%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $1,695,000 $339,000 $3,444 4.43%
    Lake City, FL (FHA|USDA|VA) 11 $1,425,000 $129,545 $2,849 3.69%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 8 $1,330,000 $166,250 $2,321 4.48%
    WARNER ROBINS, GA (FHA|USDA|VA) 12 $1,260,000 $105,000 $2,832 3.37%
    VALDOSTA, GA (FHA|USDA|VA) 5 $865,000 $173,000 $1,183 4.55%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 6 $850,000 $141,667 $2,836 3.73%
    Jefferson, GA (FHA|USDA|VA) 3 $845,000 $281,667 $1,505 4.92%
    COLUMBUS, GA-AL (FHA|USDA|VA) 6 $770,000 $128,333 $3,445 2.66%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $765,000 $255,000 $4,149 4.38%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $755,000 $755,000 $0 4.50%
    Bainbridge, GA (FHA|USDA|VA) 7 $605,000 $86,429 $2,908 3.53%
    BRUNSWICK, GA (FHA|USDA|VA) 2 $590,000 $295,000 $3,832 2.81%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $560,000 $280,000 $4,230 4.19%
    Key West, FL (FHA|USDA|VA) 1 $505,000 $505,000 $11,234 4.38%
    SAVANNAH, GA (FHA|USDA|VA) 5 $475,000 $95,000 $0 5.75%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $465,000 $465,000 $3,480 4.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $455,000 $455,000 $1,003 4.38%
    Cornelia, GA (FHA|USDA|VA) 2 $310,000 $155,000 $0 4.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $285,000 $285,000 $9,035 4.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $270,000 $135,000 $3,863 4.88%
    Eufaula, AL-GA (FHA|USDA|VA) 1 $265,000 $265,000 $4,898 3.75%
    Thomasville, GA (FHA|USDA|VA) 3 $235,000 $78,333 $4,250 4.12%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $225,000 $225,000 $793 3.50%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $180,000 $90,000 $2,996 6.00%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,110 4.25%
    Cordele, GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,384 4.75%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $115,000 $115,000 $1,748 4.00%
    Milledgeville, GA (FHA|USDA|VA) 1 $45,000 $45,000 $2,488 6.50%
    Capital City Bank's top markets include Tallahassee, Gainesville, Tampa, Homosassa Springs, and Ocala among others.

    Their top states include:
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Capital City Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 75
    Citizens First Bank
    Similarity Rank: 264
    PLANTERS FIRST BANK
    Similarity Rank: 476
    Emory Alliance Credit Union
    Similarity Rank: 516
    TrustCo Bank
    Similarity Rank: 624
    Envision Credit Union
    Similarity Rank: 918
    RAILROAD & INDUSTRIAL
    Similarity Rank: 1056
    JAX
    Similarity Rank: 1078
    SAN ANTONIO CITIZENS
    Similarity Rank: 1105
    FBT Mortgage, L.L.C.
    Similarity Rank: 1120

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,275 $276,635,000 $216,969 $2,952 4.59%
    HELOC 680 $71,610,000 $105,309 n/a 2.72%
    FHA 93 $16,205,000 $174,247 $5,541 4.23%
    VA 49 $12,925,000 $263,776 $6,286 4.00%
    USDA 25 $3,625,000 $145,000 $3,402 3.97%

    For 2019, Capital City Bank's most frequently originated type of loan was Conventional, with 1,275 originations. Their 2nd most popular type was HELOC, with 680 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,165 $248,115,000 $212,974 $3,170 4.47%
    Refi 379 $66,465,000 $175,369 $3,492 4.08%
    Other 301 $28,225,000 $93,771 $0 2.17%
    Home Improvement 155 $13,255,000 $85,516 $0 2.74%
    Cash Out Refi 122 $24,940,000 $204,426 $4,132 4.59%

    For 2019, Capital City Bank's most frequently cited loan purpose was Home Purchase, with 1,165 originations. The 2nd most popular reason was Refi, with 379 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,103 $241,705,000 $219,134 $3,222 4.31%
    15 Year 755 $85,385,000 $113,093 $3,116 2.78%
    20 Year 127 $17,785,000 $140,039 $3,693 5.71%
    Other 74 $24,510,000 $331,216 $8,374 5.75%
    1 Year 34 $9,320,000 $274,118 $0 6.60%
    10 Year 23 $1,515,000 $65,870 $3,081 5.69%
    5 Year 4 $180,000 $45,000 $0 6.90%
    30+ year 1 $255,000 $255,000 $1,688 3.88%
    3 Year 1 $345,000 $345,000 $0 5.25%

    For 2019, Capital City Bank's most frequently cited loan duration was 30 Year, with 1,103 originations. The 2nd most popular length was 15 Year, with 755 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 885 $198,045,000 $223,780
    $1k-2k 207 $31,325,000 $151,329
    $2k-3k 80 $11,900,000 $148,750
    $3k-4k 26 $6,720,000 $258,462
    $5k+ 19 $11,365,000 $598,158
    $4k-5k 9 $3,065,000 $340,556

    Capital City Bank's average total fees were $3,222, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 885 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 567 $51,395,000 $90,644
    4-5% 542 $120,000,000 $221,402
    3-4% 542 $127,080,000 $234,465
    5-6% 299 $60,105,000 $201,020
    6-7% 134 $17,740,000 $132,388
    7-8% 27 $2,645,000 $97,963
    Over 8% 7 $755,000 $107,857
    2.5-3% 4 $1,280,000 $320,000

    During 2019, Capital City Bank's average interest rate for loans was 4.31%, while their most frequently originated rate bucket for loans was <2.5%, with 567 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 719 $39,825,000 $55,389 $2,944 3.69%
    $100k-200k 701 $102,775,000 $146,612 $3,046 4.11%
    $200k-400k 573 $153,745,000 $268,316 $3,200 4.03%
    $400k-600k 93 $42,665,000 $458,763 $4,698 4.16%
    $600k-1MM 27 $19,375,000 $717,593 $7,632 4.43%
    $1MM+ 9 $22,615,000 $2,512,778 $19,349 5.37%

    2019 saw Capital City Bank place emphasis on $100,000 or less loans with 719 originations, totaling $39,825,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 481 $44,945,000 $93,441 $2,993 3.87%
    $50k-75k 422 $60,180,000 $142,607 $3,085 3.90%
    $100k-150k 383 $78,225,000 $204,243 $3,320 3.82%
    $75k-100k 321 $54,815,000 $170,763 $3,082 3.72%
    $150k-250k 215 $51,475,000 $239,419 $3,491 3.79%
    $250k+ 154 $47,400,000 $307,792 $5,378 3.66%

    Capital City Bank lent most frequently to those with incomes in the $50k or less range, with 481 originations. The second most popular income band? $50k-75k, with 422 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 462 $75,700,000 $163,853 $3,177 3.69%
    30-36% 355 $63,255,000 $178,183 $2,871 3.97%
    <20% 293 $45,685,000 $155,922 $3,342 3.16%
    42% 77 $13,475,000 $175,000 $3,482 4.12%
    41% 76 $15,130,000 $199,079 $3,684 4.08%
    39% 75 $12,615,000 $168,200 $3,031 3.88%
    40% 71 $13,255,000 $186,690 $3,740 4.03%
    44% 64 $10,940,000 $170,938 $3,230 4.25%
    36% 63 $10,655,000 $169,127 $2,788 3.77%
    37% 62 $11,460,000 $184,839 $4,285 3.80%
    38% 60 $10,680,000 $178,000 $3,282 4.08%
    43% 54 $9,350,000 $173,148 $3,534 4.13%
    45% 50 $9,980,000 $199,600 $3,259 4.38%
    50-60% 42 $4,870,000 $115,952 $5,488 3.58%
    46% 41 $7,025,000 $171,341 $3,666 3.94%
    47% 38 $7,450,000 $196,053 $3,887 4.29%
    49% 37 $6,535,000 $176,622 $3,838 4.12%
    48% 34 $7,020,000 $206,471 $2,899 3.76%
    >60% 20 $2,080,000 $104,000 $3,040 5.01%

    Capital City Bank lent most frequently to those with DTI ratios of 20-30%, with 462 originations. The next most common DTI ratio? 30-36%, with 355 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,665 $277,745,000 $166,814 $3,203 3.77%
    Not applicable 137 $41,415,000 $302,299 $0 5.88%
    Not provided 142 $30,800,000 $216,901 $3,601 4.12%
    Black 117 $18,775,000 $160,470 $3,615 4.23%
    Asian 51 $10,655,000 $208,922 $4,229 3.80%
    American Indian 6 $860,000 $143,333 $3,187 4.25%
    Asian Indian 1 $325,000 $325,000 $300 4.75%
    Other Asian 2 $240,000 $120,000 $4,804 4.93%
    Chinese 1 $185,000 $185,000 $1,970 3.38%

    Approval Rates

    Total approvals of all applications
    88.14%

    Capital City Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.18%

    Capital City Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 11 $865,000 $78,636
    NA 2,111 $380,135,000 $180,073

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $2,405,000 $801,667
    Multifamily:Site-Built 19 $19,955,000 $1,050,263
    Single Family (1-4 Units):Manufactured 151 $11,055,000 $73,212
    Single Family (1-4 Units):Site-Built 1,949 $347,585,000 $178,340

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 236 $23,480,000 $99,492 $2,486 3.03%
    40-60% 225 $32,465,000 $144,289 $2,757 3.84%
    60-80% 639 $134,765,000 $210,900 $3,206 4.20%
    80-100% 856 $173,030,000 $202,138 $3,312 4.29%
    Over 100% 16 $5,100,000 $318,750 $10,716 3.86%
    Under 20% 146 $7,910,000 $54,178 $2,002 2.55%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Capital Markets Cooporative, LLC Conventional home mortgage Closing on a mortgage 2 4.7%
    Capital Markets Cooporative, LLC Conventional home mortgage Trouble during payment process 40 93.0%
    Capital Markets Cooporative, LLC Other type of mortgage Incorrect information on your report 1 2.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Capital City Bank 101 S.E. U.S. Highway 19 Crystal River, FL 34429 Full Service B&M $32,853
    Capital City Bank 102 South Main Street Havana, FL 32333 Full Service B&M $51,566
    Capital City Bank 10241 North Florida Avenue Citrus Springs, FL 34434 Full Service B&M $13,203
    Capital City Bank 109 W. Wade Street Trenton, FL 32693 Full Service B&M $28,505
    Capital City Bank 115 West Green Street Perry, FL 32347 Full Service B&M $55,471
    Capital City Bank 1242 Jackson Avenue Chipley, FL 32428 Full Service B&M $32,721
    Capital City Bank 1301 Metropolitan Boulevard Tallahassee, FL 32308 Full Service B&M $128,422
    Capital City Bank 140 E. Hathaway Bronson, FL 32621 Full Service B&M $13,519
    Capital City Bank 14001 Cortez Blvd Spring Hill, FL 34613 Full Service B&M $19,500
    Capital City Bank 14009 West Newberry Road Newberry, FL 32669 Full Service B&M $16,147
    Capital City Bank 1417 North Main Street Gainesville, FL 32601 Full Service B&M $41,452
    Capital City Bank 14302 Spring Hill Drive Spring Hill, FL 34609 Full Service B&M $45,077
    Capital City Bank 144 East Noble Avenue Williston, FL 32696 Full Service B&M $18,862
    Capital City Bank 1456 Capital Circle Nw Tallahassee, FL 32303 Full Service B&M $20,542
    Capital City Bank 148 South Highway 17 East Palatka, FL 32131 Full Service B&M $96,677
    Capital City Bank 1500 North U.S. Highway 41 Inverness, FL 34450 Full Service B&M $17,933
    Capital City Bank 15000 Northwest 140th Street Alachua, FL 32615 Full Service B&M $72,294
    Capital City Bank 1601 Bass Road Macon, GA 31210 Full Service B&M $20,922
    Capital City Bank 1801 Apalachee Parkway Tallahassee, FL 32301 Full Service B&M $93,071
    Capital City Bank 1828 West Tennessee Street Tallahassee, FL 32304 Full Service B&M $55,943
    Capital City Bank 18467 Nw Us Hwy 441, Suite 100 High Springs, FL 32643 Full Service B&M $26,688
    Capital City Bank 1957 Veterans Blvd Dublin, GA 31021 Full Service B&M $20,948
    Capital City Bank 2012 North Young Boulevard Chiefland, FL 32626 Full Service B&M $55,215
    Capital City Bank 207 North Main Street Hastings, FL 32145 Full Service B&M $29,686
    Capital City Bank 2111 North Monroe Street Tallahassee, FL 32303 Full Service B&M $47,326
    Capital City Bank 217 N Calhoun St Tallahassee, FL 32301 Full Service B&M $548,266
    Capital City Bank 217 North Monroe Street Tallahassee, FL 32301 Full Service B&M $0
    Capital City Bank 2375 Centerville Road Tallahassee, FL 32308 Limited, Drive-thru $0
    Capital City Bank 24202 West Newberry Road, Suite F Newberry, FL 32669 Full Service B&M $20,988
    Capital City Bank 2592 Crawfordville Hwy Crawfordville, FL 32327 Full Service B&M $37,879
    Capital City Bank 294 Ne 210th Avenue Cross City, FL 32628 Full Service B&M $22,073
    Capital City Bank 304 E Tennessee St Tallahassee, FL 32302 Limited, Trust Office $0
    Capital City Bank 325 5th Street Macon, GA 31201 Full Service B&M $48,483
    Capital City Bank 3255 Mahan Drive Tallahassee, FL 32308 Full Service B&M $46,194
    Capital City Bank 3404 South Monroe Street Tallahassee, FL 32301 Full Service B&M $18,655
    Capital City Bank 343 West Base Street Madison, FL 32340 Full Service B&M $25,096
    Capital City Bank 350 N. Temple Avenue Starke, FL 32091 Full Service B&M $82,273
    Capital City Bank 3503 20th Avenue Valley, AL 36854 Full Service B&M $15,447
    Capital City Bank 3513 Apalachee Parkway Tallahassee, FL 32311 Limited, Drive-thru $0
    Capital City Bank 3535 Mercer University Drive, Macon Mall Macon, GA 31204 Full Service B&M $8,151
    Capital City Bank 375 Fob James Drive Valley, AL 36854 Full Service B&M $13,943
    Capital City Bank 3815 North Monroe Street Tallahassee, FL 32303 Full Service B&M $35,037
    Capital City Bank 4 East Washington Street Quincy, FL 32351 Full Service B&M $130,318
    Capital City Bank 4040 N.W. 16th Boulevard Gainesville, FL 32605 Full Service B&M $23,585
    Capital City Bank 410 West 10th Street West Point, GA 31833 Full Service B&M $67,451
    Capital City Bank 4120 Crill Ave Palatka, FL 32177 Full Service B&M $19,149
    Capital City Bank 420 N. Broad Street Cairo, GA 39828 Full Service B&M $49,183
    Capital City Bank 500 Green Way Keystone Heights, FL 32656 Full Service B&M $30,544
    Capital City Bank 504 Monument Avenue Port St. Joe, FL 32456 Full Service B&M $39,684
    Capital City Bank 5200 West Newberry Road Gainesville, FL 32607 Full Service B&M $11,824
    Capital City Bank 5981 Zebulon Road Macon, GA 31210 Full Service B&M $9,520
    Capital City Bank 600 Bellevue Avenue Dublin, GA 31021 Full Service B&M $61,893
    Capital City Bank 6691 Thomasville Road Tallahassee, FL 32312 Full Service B&M $31,928
    Capital City Bank 690 S. Us Hwy 129 Bell, FL 32619 Full Service B&M $16,843
    Capital City Bank 7153 Broad Street Brooksville, FL 34601 Full Service B&M $16,764
    Capital City Bank 7240 Us Hwy 19 Fanning Springs, FL 32693 Full Service B&M $13,925
    Capital City Bank 7697 South Florida Avenue Floral City, FL 34436 Full Service B&M $14,115
    Capital City Bank 800 South Jefferson Street Monticello, FL 32344 Full Service B&M $31,826
    Capital City Bank 814 Suwannee Avenue Branford, FL 32008 Full Service B&M $35,979
    Capital City Bank 95 Highway 40 W Inglis, FL 34449 Full Service B&M $17,478
    Capital City Bank Ccbg.Com Tallahassee, FL 32303 Full Service Cyber Office $0
    Capital City Bank Highway 84 East Cairo, GA 39828 Limited, Drive-thru $0

    For 2019, Capital City Bank had 62 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $112,836
    Net interest income $105,724
    Total noninterest income $52,600
    Gross Fiduciary activities income $5,762
    Service charges on deposit accounts $19,472
    Trading account gains and fees $0
    Additional Noninterest Income $27,366
    Pre-tax net operating income $43,805
    Securities gains (or losses, -) $0
    Income before extraordinary items $33,219
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $33,219
    Minority interest net income $0
    Net income $33,219
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $33,219

    Capital City Bank's gross interest income from loans was $112,836,000.
    Capital City Bank's net interest income from loans was $105,724,000.
    Capital City Bank's fee based income from loans was $19,472,000.
    Capital City Bank's net income from loans was $33,219,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,112
    Provision for credit losses $2,027
    Total noninterest expense $112,492
    Salaries and employee benefits $62,424
    Premises and equipment expense $18,408
    Additional noninterest expense $31,660
    Applicable income taxes $10,586
    Net charge-offs $2,332
    Cash dividends $19,000

    Capital City Bank's interest expense for loans was $7,112,000.
    Capital City Bank's payroll and benefits expense were $62,424,000.
    Capital City Bank's property, plant and equipment expenses $18,408,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,681,655
    Deposits held in domestic offices $2,681,655
    Deposits by Individuals, partnerships, and corporations $2,279,854
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $401,591
    Deposits by Commercial banks and other depository institutions in U.S. $205
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $646,509
    Demand deposits $389,471
    Nontransaction accounts $2,035,146
    Money market deposit accounts (MMDAs) $217,839
    Other savings deposits (excluding MMDAs) $1,711,286
    Total time deposits $106,021
    Total time and savings deposits $2,292,184
    Noninterest-bearing deposits $1,086,148
    Interest-bearing deposits $1,595,507
    Retail deposits $2,676,612
    IRAs and Keogh plan accounts $29,818
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,080,900
    Cash & Balances due from depository institutions $375,764
    Interest-bearing balances $315,677
    Total securities $635,487
    Federal funds sold & reverse repurchase $2,658
    Net loans and leases $1,831,533
    Loan and leases loss allowance $13,905
    Trading account assets $0
    Bank premises and fixed assets $86,195
    Other real estate owned $953
    Goodwill and other intangibles $84,810
    All other assets $63,500

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,080,900
    Total Liabilities $2,723,220
    Total deposits $2,681,655
    Interest-bearing deposits $1,595,507
    Deposits held in domestic offices $2,681,655
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $6,065
    Trading liabilities $0
    Other borrowed funds $7,866
    Subordinated debt $0
    All other liabilities $27,634

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,831,533
    Loan and leases loss allowance $13,905
    Total loans and leases (domestic) $1,845,438
    All real estate loans $1,325,721
    Real estate loans in domestic offices $1,325,721
    Construction and development loans $177,737
    Residential 1-4 family construction $66,140
    Other construction, all land development and other land $111,597
    Loans secured by nonfarm nonresidential properties $518,906
    Nonfarm nonresidential secured by owner-occupied properties $288,860
    Commercial real estate & other non-farm, non-residential $230,046
    Multifamily residential real estate $24,946
    1-4 family residential loans $541,995
    Farmland loans $62,137
    Loans held in foreign offices $0
    Farm loans $7,726
    Commercial and industrial loans $188,481
    To non-U.S. addressees $0
    Loans to individuals $280,932
    Credit card loans $0
    Related Plans $5,742
    Consumer Auto Loans $252,197
    Other loans to individuals $22,993
    All other loans & leases $42,578
    Loans to foreign governments and official institutions $0
    Other loans $4,335
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $16,328
    Non 1-4 family restructured loans & leases $9,257
    Total loans and leases (foreign) $0

    Capital City Bank had $1,831,533,000 of loans outstanding in 2019. $1,325,721,000 of loans were in real estate loans. $177,737,000 of loans were in development loans. $24,946,000 of loans were in multifamily mortgage loans. $541,995,000 of loans were in 1-4 family mortgage loans. $7,726,000 of loans were in farm loans. $0 of loans were in credit card loans. $252,197,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,153 $224,176 $194,428
    Nonfarm, nonresidential loans - <$100k 262 $9,894 $37,763
    Nonfarm, nonresidential loans - $100-250k 454 $54,925 $120,980
    Nonfarm, nonresidential loans - $250k-1MM 437 $159,357 $364,661
    Commercial & Industrial, US addressed loans - <$1MM 2,535 $104,764 $41,327
    Commercial & Industrial, US addressed loans - <$100k 2,080 $46,211 $22,217
    Commercial & Industrial, US addressed loans - $100-250k 291 $25,449 $87,454
    Commercial & Industrial, US addressed loans - $250k-1MM 164 $33,104 $201,854
    Farmland loans - <$1MM 209 $17,348 $83,005
    Farmland loans - <$100k 102 $3,275 $32,108
    Farmland loans - $100-250k 77 $7,954 $103,299
    Farmland loans - $250k-1MM 30 $6,119 $203,967
    Agriculture operations loans - <$1MM 121 $5,011 $41,413
    Agriculture operations loans - <$100k 94 $2,119 $22,543
    Agriculture operations loans - $100-250k 20 $1,473 $73,650
    Agriculture operations loans - $250k-1MM 7 $1,419 $202,714