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 Other, Refi, and Home Purchase loans. Capital City Bank has a high proportion of conventional loans. Their top markets by origination volume include: Tampa, Tallahassee, Gainesville, Macon, and Homosassa Springs among others. We have data for 30 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.

    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% 11/22/24
    30 Year Conventional Purchase 6.27% 11/22/24
    30 Year Conventional Refi 6.27% 11/22/24
    30 Year Cash-out Refi 6.27% 11/22/24
    15 Year Conventional Purchase 5.68% 11/22/24
    15 Year Conventional Refi 5.68% 11/22/24
    15 Year Cash-out Refi 5.68% 11/22/24
    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

    787

    Origination Dollar Volume (All Markets)

    $115,745,000

    Employee count

    727

    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
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 104 $20,350,000 $195,673 $0 3.61%
    TALLAHASSEE, FL (FHA|USDA|VA) 169 $19,005,000 $112,456 $0 3.33%
    GAINESVILLE, FL (FHA|USDA|VA) 111 $14,065,000 $126,712 $0 3.36%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 67 $12,125,000 $180,970 $0 3.95%
    Outside of Metro Areas 88 $10,340,000 $117,500 $0 3.45%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 48 $7,750,000 $161,458 $0 3.36%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 13 $5,545,000 $426,538 $0 3.64%
    JACKSONVILLE, FL (FHA|USDA|VA) 35 $4,125,000 $117,857 $0 3.24%
    Palatka, FL (FHA|USDA|VA) 31 $4,095,000 $132,097 $0 3.19%
    PANAMA CITY, FL (FHA|USDA|VA) 14 $3,450,000 $246,429 $0 3.33%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 22 $3,240,000 $147,273 $0 3.07%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $2,475,000 $2,475,000 $0 4.55%
    Dublin, GA (FHA|USDA|VA) 22 $2,030,000 $92,273 $0 3.90%
    LaGrange, GA-AL (FHA|USDA|VA) 21 $1,455,000 $69,286 $0 4.19%
    Lake City, FL (FHA|USDA|VA) 7 $1,025,000 $146,429 $0 3.21%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 5 $815,000 $163,000 $0 3.85%
    Milledgeville, GA (FHA|USDA|VA) 3 $555,000 $185,000 $0 4.00%
    OCALA, FL (FHA|USDA|VA) 4 $490,000 $122,500 $0 2.99%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $465,000 $155,000 $0 2.99%
    Bainbridge, GA (FHA|USDA|VA) 3 $455,000 $151,667 $0 3.41%
    COLUMBUS, GA-AL (FHA|USDA|VA) 3 $355,000 $118,333 $0 2.99%
    Thomasville, GA (FHA|USDA|VA) 4 $280,000 $70,000 $0 4.16%
    ROME, GA (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.99%
    SAVANNAH, GA (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.63%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 2.99%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.75%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $150,000 $75,000 $0 4.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.99%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
    Capital City Bank's top markets include Tampa, Tallahassee, Gainesville, Macon, and Homosassa Springs 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.

    Gulf Winds Credit Union
    Similarity Rank: 240
    Emory Alliance Credit Union
    Similarity Rank: 305
    Citizens First Bank
    Similarity Rank: 432
    FIRST COMMERCE CREDIT UNION
    Similarity Rank: 483
    Envision Credit Union
    Similarity Rank: 561
    Credence Funding Corporation
    Similarity Rank: 707
    FBT Mortgage, L.L.C.
    Similarity Rank: 945
    Shea Mortgage Inc.
    Similarity Rank: 1121
    SmartBank
    Similarity Rank: 1184
    AMERICAN HOME MORTGAGE, INC.
    Similarity Rank: 1218

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 634 $78,020,000 $123,060 n/a 3.18%
    Conventional 153 $37,725,000 $246,569 $0 4.74%

    For 2021, Capital City Bank's most frequently originated type of loan was HELOC, with 634 originations. Their 2nd most popular type was Conventional, with 153 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 254 $31,470,000 $123,898 $0 2.99%
    Refi 239 $44,495,000 $186,172 $0 3.72%
    Home Improvement 177 $15,055,000 $85,056 $0 3.08%
    Home Purchase 116 $24,430,000 $210,603 $0 4.66%
    Cash Out Refi 1 $295,000 $295,000 $0 4.50%

    For 2021, Capital City Bank's most frequently cited loan purpose was Other, with 254 originations. The 2nd most popular reason was Refi, with 239 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 677 $90,555,000 $133,759 $0 3.26%
    15 Year 49 $9,475,000 $193,367 $0 4.68%
    Other 33 $9,485,000 $287,424 $0 5.12%
    1 Year 14 $4,980,000 $355,714 $0 4.64%
    10 Year 13 $1,225,000 $94,231 $0 4.84%
    5 Year 1 $25,000 $25,000 $0 4.85%

    For 2021, Capital City Bank's most frequently cited loan duration was 20 Year, with 677 originations. The 2nd most popular length was 15 Year, with 49 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 547 $61,495,000 $112,422
    4-5% 143 $33,445,000 $233,881
    3-4% 45 $13,975,000 $310,556
    5-6% 38 $5,540,000 $145,789
    6-7% 8 $470,000 $58,750
    <2.5% 4 $650,000 $162,500
    7-8% 2 $170,000 $85,000

    During 2021, Capital City Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 547 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 395 $21,515,000 $54,468 $0 3.40%
    $100k-200k 212 $28,940,000 $136,509 $0 3.61%
    $200k-400k 147 $36,755,000 $250,034 $0 3.39%
    $400k-600k 16 $7,300,000 $456,250 $0 3.99%
    $600k-1MM 9 $6,725,000 $747,222 $0 4.02%
    $1MM+ 8 $14,510,000 $1,813,750 $0 4.40%

    2021 saw Capital City Bank place emphasis on $100,000 or less loans with 395 originations, totaling $21,515,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 136 $18,850,000 $138,603 $0 3.22%
    $50k or less 133 $8,515,000 $64,023 $0 3.26%
    $50k-75k 119 $11,765,000 $98,866 $0 3.28%
    $150k-250k 102 $15,830,000 $155,196 $0 3.25%
    $75k-100k 100 $10,730,000 $107,300 $0 3.24%
    $250k+ 81 $17,355,000 $214,259 $0 3.45%

    Capital City Bank lent most frequently to those with incomes in the $100k-150k range, with 136 originations. The second most popular income band? $50k or less, with 133 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 198 $23,040,000 $116,364 $0 3.17%
    <20% 128 $16,900,000 $132,031 $0 3.13%
    30-36% 96 $8,900,000 $92,708 $0 3.12%
    44% 31 $4,275,000 $137,903 $0 3.04%
    36% 29 $4,225,000 $145,690 $0 3.03%
    41% 23 $2,785,000 $121,087 $0 3.58%
    40% 19 $1,785,000 $93,947 $0 3.21%
    37% 17 $1,685,000 $99,118 $0 3.17%
    43% 16 $1,710,000 $106,875 $0 3.13%
    38% 14 $2,080,000 $148,571 $0 2.99%
    42% 13 $1,515,000 $116,538 $0 3.18%
    39% 13 $1,365,000 $105,000 $0 3.13%
    50-60% 12 $1,870,000 $155,833 $0 3.77%
    45% 11 $1,155,000 $105,000 $0 3.15%
    >60% 9 $1,145,000 $127,222 $0 4.58%
    46% 2 $190,000 $95,000 $0 2.99%
    49% 2 $310,000 $155,000 $0 2.99%
    47% 1 $15,000 $15,000 $0 2.99%

    Capital City Bank lent most frequently to those with DTI ratios of 20-30%, with 198 originations. The next most common DTI ratio? <20%, with 128 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 590 $70,960,000 $120,271 $0 3.21%
    Not applicable 113 $32,325,000 $286,062 $0 4.70%
    Not provided 45 $7,615,000 $169,222 $0 3.71%
    Asian 12 $3,110,000 $259,167 $0 3.54%
    Black 22 $1,370,000 $62,273 $0 4.10%
    American Indian 4 $320,000 $80,000 $0 3.56%
    Other Asian 1 $45,000 $45,000 $0 2.99%

    Approval Rates

    Total approvals of all applications
    75.51%

    Capital City Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    86.79%

    Capital City Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 787 $115,745,000 $147,071

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    787 $115,745,000 $147,071

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 183 $24,215,000 $132,322 $0 3.21%
    40-60% 124 $21,150,000 $170,565 $0 3.45%
    60-80% 226 $41,720,000 $184,602 $0 3.76%
    80-100% 108 $19,730,000 $182,685 $0 3.85%
    Over 100% 3 $465,000 $155,000 $0 4.73%
    Under 20% 143 $8,465,000 $59,196 $0 3.10%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CAPITAL CENTER LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Capital City Bank 10000 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $6,695
    Capital City Bank 101 S.E. U.S. Highway 19 Crystal River, FL 34429 Full Service B&M $55,901
    Capital City Bank 102 South Main Street Havana, FL 32333 Full Service B&M $59,065
    Capital City Bank 10241 North Florida Avenue Citrus Springs, FL 34434 Full Service B&M $14,083
    Capital City Bank 109 W. Wade Street Trenton, FL 32693 Full Service B&M $41,706
    Capital City Bank 115 West Green Street Perry, FL 32347 Full Service B&M $112,228
    Capital City Bank 1242 Jackson Avenue Chipley, FL 32428 Full Service B&M $32,032
    Capital City Bank 1301 Metropolitan Boulevard Tallahassee, FL 32308 Full Service B&M $183,710
    Capital City Bank 140 E. Hathaway Bronson, FL 32621 Full Service B&M $16,093
    Capital City Bank 14001 Cortez Blvd Spring Hill, FL 34613 Full Service B&M $25,993
    Capital City Bank 14009 West Newberry Road Newberry, FL 32669 Full Service B&M $28,158
    Capital City Bank 1417 North Main Street Gainesville, FL 32601 Full Service B&M $32,203
    Capital City Bank 14302 Spring Hill Drive Spring Hill, FL 34609 Full Service B&M $72,115
    Capital City Bank 144 East Noble Avenue Williston, FL 32696 Full Service B&M $24,819
    Capital City Bank 1456 Capital Circle Nw Tallahassee, FL 32303 Full Service B&M $28,118
    Capital City Bank 148 South Highway 17 East Palatka, FL 32131 Full Service B&M $136,846
    Capital City Bank 150 Avenue A Port Saint Joe, FL 32456 Full Service B&M $51,915
    Capital City Bank 1500 North U.S. Highway 41 Inverness, FL 34450 Full Service B&M $27,141
    Capital City Bank 15000 Northwest 140th Street Alachua, FL 32615 Full Service B&M $93,540
    Capital City Bank 1601 Bass Road Macon, GA 31210 Full Service B&M $31,274
    Capital City Bank 1801 Apalachee Parkway Tallahassee, FL 32301 Full Service B&M $190,007
    Capital City Bank 1828 West Tennessee Street Tallahassee, FL 32304 Full Service B&M $69,029
    Capital City Bank 18467 Nw Us Hwy 441, Suite 100 High Springs, FL 32643 Full Service B&M $39,153
    Capital City Bank 1957 Veterans Blvd Dublin, GA 31021 Full Service B&M $27,670
    Capital City Bank 2012 North Young Boulevard Chiefland, FL 32626 Full Service B&M $75,746
    Capital City Bank 207 North Main Street Hastings, FL 32145 Full Service B&M $39,272
    Capital City Bank 2111 North Monroe Street Tallahassee, FL 32303 Full Service B&M $69,068
    Capital City Bank 217 N Calhoun St Tallahassee, FL 32301 Full Service B&M $578,053
    Capital City Bank 217 North Monroe Street Tallahassee, FL 32301 Full Service B&M $0
    Capital City Bank 24202 West Newberry Road, Suite F Newberry, FL 32669 Full Service B&M $28,185
    Capital City Bank 2592 Crawfordville Hwy Crawfordville, FL 32327 Full Service B&M $58,385
    Capital City Bank 294 Ne 210th Avenue Cross City, FL 32628 Full Service B&M $29,178
    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 $73,530
    Capital City Bank 3255 Mahan Drive Tallahassee, FL 32308 Full Service B&M $70,070
    Capital City Bank 3404 South Monroe Street Tallahassee, FL 32301 Full Service B&M $23,921
    Capital City Bank 343 West Base Street Madison, FL 32340 Full Service B&M $34,854
    Capital City Bank 350 N. Temple Avenue Starke, FL 32091 Full Service B&M $112,757
    Capital City Bank 3503 20th Avenue Valley, AL 36854 Full Service B&M $21,382
    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 $11,620
    Capital City Bank 375 Fob James Drive Valley, AL 36854 Full Service B&M $18,021
    Capital City Bank 3815 North Monroe Street Tallahassee, FL 32303 Full Service B&M $45,412
    Capital City Bank 4 East Washington Street Quincy, FL 32351 Full Service B&M $168,198
    Capital City Bank 4040 N.W. 16th Boulevard Gainesville, FL 32605 Full Service B&M $28,850
    Capital City Bank 410 West 10th Street West Point, GA 31833 Full Service B&M $82,578
    Capital City Bank 4120 Crill Ave Palatka, FL 32177 Full Service B&M $29,304
    Capital City Bank 420 N. Broad Street Cairo, GA 39828 Full Service B&M $71,153
    Capital City Bank 500 Green Way Keystone Heights, FL 32656 Full Service B&M $39,067
    Capital City Bank 5200 West Newberry Road Gainesville, FL 32607 Full Service B&M $21,799
    Capital City Bank 5981 Zebulon Road Macon, GA 31210 Full Service B&M $17,798
    Capital City Bank 600 Bellevue Avenue Dublin, GA 31021 Full Service B&M $76,704
    Capital City Bank 6691 Thomasville Road Tallahassee, FL 32312 Full Service B&M $43,898
    Capital City Bank 690 S. Us Hwy 129 Bell, FL 32619 Full Service B&M $22,988
    Capital City Bank 7153 Broad Street Brooksville, FL 34601 Full Service B&M $27,918
    Capital City Bank 7240 Us Hwy 19 Fanning Springs, FL 32693 Full Service B&M $20,108
    Capital City Bank 7697 South Florida Avenue Floral City, FL 34436 Full Service B&M $18,827
    Capital City Bank 800 South Jefferson Street Monticello, FL 32344 Full Service B&M $46,132
    Capital City Bank 814 Suwannee Avenue Branford, FL 32008 Full Service B&M $50,857
    Capital City Bank 95 Highway 40 W Inglis, FL 34449 Full Service B&M $23,133
    Capital City Bank Ccbg.Com Tallahassee, FL 32303 Full Service Cyber Office $0

    For 2021, Capital City Bank had 61 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $106,352
    Net interest income $104,095
    Total noninterest income $108,186
    Gross Fiduciary activities income $6,799
    Service charges on deposit accounts $18,882
    Trading account gains and fees $0
    Additional Noninterest Income $82,505
    Pre-tax net operating income $53,039
    Securities gains (or losses, -) $-3
    Income before extraordinary items $42,483
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $42,483
    Minority interest net income $6,220
    Net income $36,263
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $42,485

    Capital City Bank's gross interest income from loans was $106,352,000.
    Capital City Bank's net interest income from loans was $104,095,000.
    Capital City Bank's fee based income from loans was $18,882,000.
    Capital City Bank's net income from loans was $36,263,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,257
    Provision for credit losses $-1,553
    Total noninterest expense $160,795
    Salaries and employee benefits $96,729
    Premises and equipment expense $23,779
    Additional noninterest expense $40,287
    Applicable income taxes $10,553
    Net charge-offs $-632
    Cash dividends $10,000

    Capital City Bank's interest expense for loans was $2,257,000.
    Capital City Bank's payroll and benefits expense were $96,729,000.
    Capital City Bank's property, plant and equipment expenses $23,779,000.

    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 $3,752,192
    Deposits held in domestic offices $3,752,192
    Deposits by Individuals, partnerships, and corporations $3,198,289
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $553,873
    Deposits by Commercial banks and other depository institutions in U.S. $25
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,034,030
    Demand deposits $599,746
    Nontransaction accounts $2,718,162
    Money market deposit accounts (MMDAs) $274,611
    Other savings deposits (excluding MMDAs) $2,344,177
    Total time deposits $99,373
    Total time and savings deposits $3,152,446
    Noninterest-bearing deposits $1,716,609
    Interest-bearing deposits $2,035,583
    Retail deposits $3,743,003
    IRAs and Keogh plan accounts $27,076
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,253,359
    Cash & Balances due from depository institutions $1,035,354
    Interest-bearing balances $970,041
    Total securities $987,118
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,962,391
    Loan and leases loss allowance $21,606
    Trading account assets $0
    Bank premises and fixed assets $94,428
    Other real estate owned $17
    Goodwill and other intangibles $92,869
    All other assets $81,182

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,253,359
    Total Liabilities $3,839,885
    Total deposits $3,752,192
    Interest-bearing deposits $2,035,583
    Deposits held in domestic offices $3,752,192
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $4,954
    Trading liabilities $0
    Other borrowed funds $42,288
    Subordinated debt $0
    All other liabilities $40,451

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,962,391
    Loan and leases loss allowance $21,606
    Total loans and leases (domestic) $1,983,997
    All real estate loans $1,440,909
    Real estate loans in domestic offices $1,440,909
    Construction and development loans $250,463
    Residential 1-4 family construction $119,182
    Other construction, all land development and other land $131,281
    Loans secured by nonfarm nonresidential properties $553,189
    Nonfarm nonresidential secured by owner-occupied properties $301,151
    Commercial real estate & other non-farm, non-residential $252,038
    Multifamily residential real estate $35,814
    1-4 family residential loans $540,718
    Farmland loans $60,725
    Loans held in foreign offices $0
    Farm loans $6,903
    Commercial and industrial loans $170,224
    To non-U.S. addressees $0
    Loans to individuals $323,241
    Credit card loans $0
    Related Plans $4,998
    Consumer Auto Loans $299,559
    Other loans to individuals $18,684
    All other loans & leases $42,720
    Loans to foreign governments and official institutions $0
    Other loans $13,715
    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 $7,179
    Non 1-4 family restructured loans & leases $2,824
    Total loans and leases (foreign) $0

    Capital City Bank had $1,962,391,000 of loans outstanding in 2021. $1,440,909,000 of loans were in real estate loans. $250,463,000 of loans were in development loans. $35,814,000 of loans were in multifamily mortgage loans. $540,718,000 of loans were in 1-4 family mortgage loans. $6,903,000 of loans were in farm loans. $0 of loans were in credit card loans. $299,559,000 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 1,100 $233,473 $212,248
    Nonfarm, nonresidential loans - <$100k 214 $7,891 $36,874
    Nonfarm, nonresidential loans - $100-250k 423 $52,398 $123,872
    Nonfarm, nonresidential loans - $250k-1MM 463 $173,184 $374,048
    Commercial & Industrial, US addressed loans - <$1MM 2,353 $102,267 $43,462
    Commercial & Industrial, US addressed loans - <$100k 1,887 $44,541 $23,604
    Commercial & Industrial, US addressed loans - $100-250k 312 $26,340 $84,423
    Commercial & Industrial, US addressed loans - $250k-1MM 154 $31,386 $203,805
    Farmland loans - <$1MM 164 $15,774 $96,183
    Farmland loans - <$100k 75 $2,575 $34,333
    Farmland loans - $100-250k 61 $6,451 $105,754
    Farmland loans - $250k-1MM 28 $6,748 $241,000
    Agriculture operations loans - <$1MM 81 $3,923 $48,432
    Agriculture operations loans - <$100k 61 $1,250 $20,492
    Agriculture operations loans - $100-250k 13 $1,252 $96,308
    Agriculture operations loans - $250k-1MM 7 $1,421 $203,000