Capital City Bank: how it compares with its peers
Against 12 FL banks with half to twice its assets, Capital City Bank's strongest measure in Q2 2026 is net interest margin (4.33% vs. a 3.58% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $11.8M).
| Measure | Capital City Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.36% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.33% | 3.58% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.75% | 56.57% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $11.8M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.58% | 79.23% | Context |
What it means for lending operations
Its efficiency ratio of 64.75% is above the 56.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Federal Bank Lake City, FL · $4.49B
- Banco do Brasil Americas Miami, FL · $3.47B
- Emigrant Bank Miami, FL · $5.68B
- The Bank of Tampa Tampa, FL · $3.02B
- U. S. Century Bank Doral, FL · $3.02B
- Banesco USA Miami, FL · $5.98B
Questions about Capital City Bank
How big is Capital City Bank?
Capital City Bank, established in 1907, is headquartered in Tallahassee, FL. It reported $4.45B in total assets in its Q2 2026 FDIC call report and operates 67 offices.
What is Capital City Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.36% median for 12 FL banks with half to twice its assets, ahead of 67% of them.
What is Capital City Bank's efficiency ratio?
64.75% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 56.57%, and lower is better.
Is Capital City Bank growing its loans?
Net loans shrank 4.5% over the year to Q2 2026, while deposits grew 0.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.