Is Capital City Bank Safe?
Capital City Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is liquidity (97/100), while profitability is its weakest area (86/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.51% | 96/100 |
| Nonperforming Loan Ratio | 0.20% | 96/100 |
| Liquidity Ratio | 29.24% | 97/100 |
| Return on Assets | 1.66% | 86/100 |
| Total Assets | $4.2B | |
How does Capital City Bank compare?
With a Bank Health Score of 95/100, Capital City Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Florida, where 83 FDIC-insured banks are headquartered, Capital City Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 14.51% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.20% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Capital City Bank's Bank Health Score improved by 4.0 points to 95/100. Tier 1 capital strengthened by 0.79 percentage points to 14.51%. Quarter-over-quarter, the score rose by 2.0 points.
Capital City Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is liquidity (97/100), while profitability is its weakest area (86/100).