Capital City Bank

Overview / Commentary
217 North Monroe Street
Tallahassee, FL 32301

Capital City Bank is headquartered in TALLAHASSEE and is the 11th largest bank in the state of Florida. It is also the 311th largest bank in the nation. It was established in 1907 and as of March of 2024, it had grown to 777 employees at 68 locations. Capital City Bank has a B+ health rating.

Reviews (2)

Customer Service Quality

Posted by: |

I recently looked for lenders that offered home equity loans and found Capital City Bank at a local location. From the time of my initial contact via phone call, it took less than 2 days to get qualified and quanitifed for a loan. After comparing this lender to another which provided similar service, I chose to proceed with Capital City because they actually suggested that I look at an alternative program they offered, because the loan officer said it offered more flexibility and involved substantially lower costs for my application. I have not experienced this level of customer service from any banking institution for over 30 years. Since then I have completed the process, which took about 2 weeks longer than I expected. However I did not ask them to speed it up, since that was not really important, although it was a little surprising. I look forward to a long-term relationship with this institution and am very happy I found them.


If you get your statements online and you close your account, you will not have access to those documents. They do not tell you that you will not longer have access to your documents. Then, they will charge you almost $100 to print the documents you no longer have access to. A loan officer at the Dublin Westgate office failed to verify my mother-in-law's identity before giving personal information. That same loan officer verbally assaulted my husband in 2019. They charge a "service fee" to close an account.


Health Grade Components

FDIC Certificate #9622
Year Established1907
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD11.85%
Annual Interest Income$46.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$4.25B$4.39B
LoansQ1 2024vs Q1 2023$2.73B$2.66B
DepositsQ1 2024vs Q1 2023$3.72B$3.88B
Equity CapitalQ1 2024vs Q1 2023$447.2MM$414.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$29.3MM$26.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$6.8MM$4.6MM
Real Estate OwnedQ1 2024vs Q1 2023$1,000$13K

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