BlastPoint's Banking Scorecard
Capital City Bank
Community
Specialty: Commercial
FL
FDIC cert 9622
Tallahassee, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Capital City Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12% in Community
- + Deposit Franchise: Top 54% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+1.3% YoY
+1.3% QoQ
|
+$3.0B |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$2.5B
-4.3% YoY
-1.5% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$3.8B
+0.1% YoY
+1.2% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.46%
+8.1% YoY
-2.3% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.35%
+4.5% YoY
+0.2% QoQ
|
+0.68% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
65.16%
-4.0% YoY
+0.3% QoQ
|
+2.53% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.34%
+42.5% YoY
+6.5% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
67.54%
-4.4% YoY
-2.7% QoQ
|
-15.52% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
35.82%
-3.0% YoY
-5.0% QoQ
|
+14.78% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+55.8% YoY
+3.7% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
17.26%
+13.3% YoY
+3.7% QoQ
|
+7.01% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
1.90%
+13.7% YoY
+29.6% QoQ
|
+1.16% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#46 of 371 · Top 12% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.90%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#81 of 150 · Top 54% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
35.82%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.35%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
95
95th pctile
Non-Interest Income / Assets
Current: 1.90% · Tier avg: 0.74%
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 35.82% · Tier avg: 21.05%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.26% · Tier avg: 10.24%
82
82th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
40
40th pctile
Efficiency Ratio
Current: 65.16% · Tier avg: 62.63%
16
16th pctile
Loan-to-Deposit Ratio
Current: 67.54% · Tier avg: 83.06%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 67.54% · Tier avg: 83.06%
40
40th pctile
Efficiency Ratio
Current: 65.16% · Tier avg: 62.63%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.26% · Tier avg: 10.24%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 35.82% · Tier avg: 21.05%
95
95th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
95
95th pctile
Non-Interest Income / Assets
Current: 1.90% · Tier avg: 0.74%
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $3.8B · Tier avg: $1.2B