Capital City Bank

What Capital City Bank does

Capital City Bank Group, Inc. is a publicly traded financial holding company (NASDAQ: CCBG) headquartered in Tallahassee, Florida, that has operated continuously since 1895. The company conducts community banking operations through its primary subsidiary, Capital City Bank, across 62 banking offices and 107 ATMs/ITMs spanning Florida, Georgia, and Alabama. As of Q1 2026, the company held approximately $4.5 billion in total assets and serves three primary customer segments: individual consumers (checking, savings, mortgages, consumer loans, digital banking), small-to-mid-sized businesses (commercial loans, treasury management, merchant services, business checking), and wealth management clients (investment advisory, trust services, private banking through Capital City Investments and Capital City Trust Company). The company's product architecture is built around a hub-and-spoke model with core banking as the foundation and specialized subsidiaries for mortgages (Capital City Home Loans), investments, and trust services.

The bank's revenue model is anchored in net interest income from its loan portfolio (commercial real estate, consumer, mortgage) net of interest paid on deposits, supplemented by non-interest income from deposit fees, wealth management advisory fees, trust services, merchant services, bankcard fees, and securities brokerage. FY2025 revenue was approximately $248.19 million with a net margin of approximately 21%, and the company reported FY2025 EPS of $3.61 representing roughly 16% year-over-year growth. Q1 2026 net income of $15.8 million (EPS $0.92) reflected continued expansion, supported by net interest income growth of 8% in FY2025 and quarterly deposit growth of $89.3 million in Q1 2026. Capital City Bank distributes products through its physical branch network, a digital banking platform (CCBMobile app, powered by Q2 technology), business bankers, and partnerships with Elan (credit cards), Elavon (merchant processing), LPL Financial (brokerage), and VISA (debit cards and digital wallet provisioning).

Name

Capital City Bank

Legal name

Capital City Bank Group, Inc.

Website

https://ccbg.com

Company type

Public

Founded year

1895

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Capital City Bank Group is a publicly traded community bank holding company (NASDAQ: CCBG) operating 62 branches and 107 ATMs across Florida, Georgia, and Alabama, offering deposit, lending, mortgage, wealth management, and trust services to consumers, small businesses, and HNW clients.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Commercial lending
• Wealth management
• Mortgage banking
• Treasury management

Headquarters

HQ city

Tallahassee

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from loan portfolio (commercial real estate, consumer loans, mortgage) minus interest paid on deposits. Primary revenue driver for the bank.
2. Non-Interest Income: Fees from deposit services, wealth management/ investment advisory fees, trust services, merchant services, bankcard fees, and securities brokerage services.
3. Mortgage Banking: Revenue from mortgage originations and mortgage servicing rights.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Capital City Bank Group, Inc. operates a regional community banking franchise providing deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending (mortgages, home equity, business loans, commercial real estate, construction, equipment financing, asset-based lending), credit and debit cards, merchant services, treasury management, and wealth management services (investment advisory, trust services, private banking, private wealth planning). It serves retail consumers, small-to-mid-sized businesses, and high-net-worth clients through a 62-office branch network and 107 ATMs/ITMs across Florida, Georgia, and Alabama, complemented by digital banking via the Q2-powered online platform and CCBMobile app.

Product overview

Capital City Bank Group, Inc. is a financial holding company providing a comprehensive suite of banking and financial services through its primary subsidiary, Capital City Bank. The company operates a hub-and-spoke product architecture centered on core banking (deposits, lending, digital banking) as the foundation, supported by specialized divisions for mortgages (Capital City Home Loans), investments (Capital City Investments), trust services (Capital City Trust Company), and merchant services. The product portfolio spans personal and business banking segments including checking, savings, credit cards, and debit cards; diversified lending products covering mortgages, home equity, personal loans, and commercial loans; wealth management services including investment advisory, trust services, private banking, and private wealth planning; and digital banking capabilities through online and mobile platforms (CCBMobile App). Key brand products include Carefree Personal Checking, Carefree Business Checking, Level Up Youth Accounts, and Video Teller Banking for extended hours service. The company serves consumers and businesses in Florida, Georgia, and Alabama through 62 banking offices and 107 ATMs/ITMs.

Differentiator

Problem solved

Functional benefit

Products and services

• Carefree Personal Checking Personal checking account for individual consumers offering enhanced value-added services including peace-of-mind features, savings tools, and rewards benefits. FDIC-insured.
• Carefree Business Checking Business checking account designed for small and mid-sized businesses with enhanced features for everyday banking, payments, and cash management.
• Savings Accounts, Money Market Accounts, and Certificates of Deposit (CDs) Personal savings products including traditional savings, money market accounts, and CDs with interest-bearing rate tiers based on balance and term.
• Individual Retirement Accounts (IRAs) Retirement savings accounts including traditional and Roth IRA options for individual retirement planning.
• Youth Banking / Level Up Accounts Banking products designed for teenagers including checking and savings accounts with educational features to teach banking skills.
• Debit Cards

Quantifiable outcome

• Q1 2026 net income of $15.8 million, EPS $0.92, representing 15% increase over Q4 2025
• +4 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• ElanminorGTM or Marketing PartnerJoint marketing partner for credit card services. Elan provides co-branded credit card programs marketed through Capital City Bank.
• ElavonminorGTM or Marketing PartnerJoint marketing partner for payment processing and merchant services. Elavon provides payment processing solutions marketed through Capital City Bank.
• LPL Financial LLCminorGTM or Marketing PartnerJoint marketing partner for investment brokerage and securities services. LPL Financial provides investment platform for Capital City Investments wealth management services.
• VISAcoreTechnology or IntegrationVISA partnership for debit card services including Zero Liability Policy protection for unauthorized purchases, and digital wallet provisioning alerts for Apple Pay, Google Pay, and merchant apps.

Scale indicators14 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Truist Financial Corporation: Top-10 U.S. regional super-community bank formed from BB&T and SunTrust, with extensive branch presence throughout Florida, Georgia, and Alabama. Directly competes with CCBG for SMB and consumer deposits in shared footprint.
• First Horizon Corporation: Large regional bank holding company with Southeastern U.S. commercial and retail banking franchises. Provides a scaled benchmark for CCBG's product breadth and geographic focus, though far larger in asset size.

Direct peers

• Auburn National Bancorporation: Alabama-based community bank holding company of comparable size and product set, explicitly used as a head-to-head benchmark in CCBG's own analysis. Directly comparable on asset base, regional footprint, and SMB/commercial lending franchise.
• Home BancShares: Regional community bank operating across the Southeast U.S. including Florida, with similar deposit gathering, commercial lending, and treasury management offerings. Slightly larger but highly comparable business model.
• Ameris Bancorp: Southeast U.S. regional bank with Florida and Alabama presence and a full-service commercial, retail, and mortgage banking model. Comparable on growth-via-acquisition strategy and Southeast geographic focus.
• Seacoast Banking Corporation of Florida: Florida-headquartered regional bank with overlapping FL branch footprint and similar commercial/consumer product mix including wealth management. Closest geographic competitor sharing the same Florida demographic tailwind narrative.
• Peoples Bancorp of North Carolina: Community-focused bank holding company serving the Carolinas with commercial and consumer banking products. Comparable asset tier and regional community banking model.

Emerging players

• Live Oak Bancshares: North Carolina-based bank known for SBA lending and digital-first commercial banking. Overlaps with CCBG on commercial banking but extends beyond traditional branches via fintech distribution, representing an adjacent competitive dynamic.

Others

• LPL Financial Holdings: LPL Financial provides the investment platform behind CCBG's Capital City Investments wealth management offering (named as a partnership). Comparable as a wealth-management technology and custody provider serving community banks across the U.S.
• Q2 Holdings (now part of Jack Henry): Q2 is CCBG's digital banking platform provider for online and mobile banking (named partnership). Comparable as the digital-banking technology backbone used by hundreds of community and regional banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/capitalcitybank
• YouTubeyoutube.com/user/CapitalCityBank
• Facebookfacebook.com/capitalcitybank
• LinkedInlinkedin.com/company/capital-city-bank-group-inc-
• Instagraminstagram.com/capitalcitybank

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A6 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital City Bank