Capital City Bank is headquartered in Tallahassee and is the 9th largest bank in the state of Florida. It is also the 290th largest bank in the nation. It was established in 1907 and as of June of 2022, it had grown to 750 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.
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.
|FDIC Certificate #||9622|
|Return on Assets - YTD||0.8%|
|Return on Equity - YTD||8.55%|
|Annual Interest Income||$54.8MM|
|Assets and Liabilities|
|Assets||Q2 2022vs Q2 2021||$4.35B$4.00B|
|Loans||Q2 2022vs Q2 2021||$2.24B$2.07B|
|Deposits||Q2 2022vs Q2 2021||$3.84B$3.48B|
|Equity Capital||Q2 2022vs Q2 2021||$396.1MM$370.5MM|
|Loan Loss Allowance||Q2 2022vs Q2 2021||$21.3MM$22.2MM|
|Unbacked Noncurrent Loans||Q2 2022vs Q2 2021||$3.1MM$5.1MM|
|Real Estate Owned||Q2 2022vs Q2 2021||$90.00K$1.2MM|
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