Capital City Bank is headquartered in Tallahassee and is the 9th 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 December of 2019, it had grown to 815 employees at 62 locations. Capital City Bank has an A+ health rating.
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.
|FDIC Certificate #||9622|
|Return on Assets - YTD||1.11%|
|Return on Equity - YTD||9.48%|
|Annual Interest Income||$112.8MM|
|Assets and Liabilities|
|Assets||Q4 2019vs Q4 2018||$3.08B$2.94B|
|Loans||Q4 2019vs Q4 2018||$1.83B$1.77B|
|Deposits||Q4 2019vs Q4 2018||$2.68B$2.56B|
|Equity Capital||Q4 2019vs Q4 2018||$357.7MM$342.8MM|
|Loan Loss Allowance||Q4 2019vs Q4 2018||$13.9MM$14.2MM|
|Unbacked Noncurrent Loans||Q4 2019vs Q4 2018||$4.5MM$6.9MM|
|Real Estate Owned||Q4 2019vs Q4 2018||$953.00K$2.2MM|
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