Capital City Bank

Headquarters: Tallahassee, Florida
Charter: Bank
Assets: $4.4B
Fed district: Atlanta
Regulator: Federal Reserve
Holding company: Capital City Bank Group Inc.

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Capital City Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Capital City Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Capital City Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $5.7M in Q2 2026, 6.3% above the same quarter a year earlier ($5.3M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Carefree Checking $7.95 · Everyday Checking $8.95
Compared at $8.45, the middle of its prices
Capital City Bank: $7.95 to $8.95
Capital City Bank: $7.95 to $8.95
U.S. median: no median
Overdraft (OD)
Capital City Bank: $35
Capital City Bank: $35
U.S. median: no median
NSF / Returned Item
Capital City Bank: $35
Capital City Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 3.8% from Q3 2025 to Q2 2026, to $5.7M.

Service-charge income, Q2 2026

$5.7M

$5.9MQ3 2025

$5.8MQ4 2025

$5.6MQ1 2026

$5.7MQ2 2026

Against the median

Capital City BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Capital City Bank · $4.4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$4B to $4.8B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Capital City Bank(this institution)	Tallahassee, FL	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arrow Bank National Association	Glens Falls, NY	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carter Bank & Trust	Martinsville, VA	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Civista Bank	Sandusky, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
First Bank	Hamilton, NJ	$4.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Bank	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First State Community Bank	Farmington, MO	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Gate City Bank	Fargo, ND	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hills Bank and Trust Company	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hingham Institution for Savings	Hingham, MA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeTrust Bank	Asheville, NC	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Brownsville, TX	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
PeoplesBank	Holyoke, MA	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern First Bank	Greenville, SC	$4.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spencer Savings Bank, SLA	Elmwood Park, NJ	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Bank and Trust Company	Longview, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Exchange Bank	Crowley, TX	$4.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fidelity Bank	Fuquay Varina, NC	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
VeraBank, National Association	Henderson, TX	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wheaton Bank & Trust, National Association	Wheaton, IL	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woori America Bank	New York, NY	$4.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.57 (7.2%) above the median of similar-sized banks.

Compared at $8.45, the middle of its two prices, against a peer median of $7.88 among 16 publishing peers.

Its two checking prices are $7.95 and $8.95.

$8.45 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Capital City Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Capital City Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $5.7M
vs prior quarter: +$58K+1.0%; from Q1 2026
vs a year earlier: +$336K+6.3%; from Q2 2025
vs start of range: +$143K+2.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Capital City Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5.7M	+$58K	+1.0%
Q1 2026	$5.6M	−$212K	−3.6%
Q4 2025	$5.8M	−$68K	−1.2%
Q3 2025	$5.9M	+$558K	+10.5%
Q2 2025	$5.3M	+$259K	+5.1%
Q1 2025	$5.1M	−$146K	−2.8%
Q4 2024	$5.2M	−$306K	−5.6%
Q3 2024	$5.5M	+$137K	+2.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Capital City Bank’s own schedules, with a source for each figure.

Account Maintenance

Carefree Checking Monthly service charge$7.95
per month
Monthly service charge (Everyday Checking)$8.95
per month · No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
Account Closed Within 180 Days of Opening Fee$30
Early closure of CD (fee to close prior to maturity)$50
Not compared: CD/IRA fee
one time
Dormant Service Charge, per month (FL and AL)$10
per month
Dormant Service Charge, per month (GA)$5
per month
Inactive Account Closing Fee$10
Account Reconciliation or Research Fee, per hour(one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research Fee, per hour (one hour minimum) | $25
Paper statements$2
per month
Excess withdrawal or transfer fee$10
per item
Return Statement Fee, per undeliverable statement$10

Overdraft & NSF

Overdraft Item Fee$35
Insufficient Item Fee$35
Overdraft Protection Transfer fee, per daily transfer (from Checking, Savings, Lines of Credit and CheckLoans)$10
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM$3
per item
Debit Card Replacement Fee$10
Expedited Card Delivery Fee$35
International Transaction Fee3%of the transaction

Wire Transfers

Wire Transfers: Outgoing Domestic Fee$35
Wire Transfers: Incoming Domestic Fee$25
Wire Transfers: Outgoing International Fee$75
Wire Transfers: Incoming International Fee$25

Check Services

Foreign Draft Stop Payment Fee$35
Stop Payment Fee$35
Pre-printed Temporary Checks (12 checks)$5
Canadian Item Collection Fee$10

Cash & Deposit

Item Chargeback Fee, per item$9
per item
Night Depository Key, per additional key$15

Account Services

Box Drilling Fee (both keys lost)$250
Not compared: Box drilling or key fee
Child Support Freeze Maximum allowed by state law, not to exceed$100
Garnishment Fee$175
Levy Fee$150
Deposit Account Verification Fee$25

Retirement & IRA

Individual Retirement Account Closing Fee$50

Other Fees

Copy of Imaged Document Fee, per image$1
Copy of Imaged Statement Fee, per statement$5
Duplicate Statement Fee, per duplicate statement$5
Instant Statement Printout Fee$5
Photocopy fee, per page$0.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Carefree Checking Monthly service charge	$7.95	per month	None
Monthly service charge (Everyday Checking)	$8.95	per month	No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
Account Closed Within 180 Days of Opening Fee	$30	Not stated	None
Early closure of CD (fee to close prior to maturity)	$50Not compared: CD/IRA fee	one time	None
Dormant Service Charge, per month (FL and AL)	$10	per month	None
Dormant Service Charge, per month (GA)	$5	per month	None
Inactive Account Closing Fee	$10	Not stated	None
Account Reconciliation or Research Fee, per hour(one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation or Research Fee, per hour (one hour minimum) \| $25
Paper statements	$2	per month	None
Excess withdrawal or transfer fee	$10	per item	None
Return Statement Fee, per undeliverable statement	$10	Not stated	None
Overdraft & NSF
Overdraft Item Fee	$35	Not stated	None
Insufficient Item Fee	$35	Not stated	None
Overdraft Protection Transfer fee, per daily transfer (from Checking, Savings, Lines of Credit and CheckLoans)	$10Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM	$3	per item	None
Debit Card Replacement Fee	$10	Not stated	None
Expedited Card Delivery Fee	$35	Not stated	None
International Transaction Fee	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic Fee	$35	Not stated	None
Wire Transfers: Incoming Domestic Fee	$25	Not stated	None
Wire Transfers: Outgoing International Fee	$75	Not stated	None
Wire Transfers: Incoming International Fee	$25	Not stated	None
Check Services
Foreign Draft Stop Payment Fee	$35	Not stated	None
Stop Payment Fee	$35	Not stated	None
Pre-printed Temporary Checks (12 checks)	$5	Not stated	None
Canadian Item Collection Fee	$10	Not stated	None
Cash & Deposit
Item Chargeback Fee, per item	$9	per item	None
Night Depository Key, per additional key	$15	Not stated	None
Account Services
Box Drilling Fee (both keys lost)	$250Not compared: Box drilling or key fee	Not stated	None
Child Support Freeze Maximum allowed by state law, not to exceed	$100	Not stated	None
Garnishment Fee	$175	Not stated	None
Levy Fee	$150	Not stated	None
Deposit Account Verification Fee	$25	Not stated	None
Retirement & IRA
Individual Retirement Account Closing Fee	$50	Not stated	None
Other Fees
Copy of Imaged Document Fee, per image	$1	Not stated	None
Copy of Imaged Statement Fee, per statement	$5	Not stated	None
Duplicate Statement Fee, per duplicate statement	$5	Not stated	None
Instant Statement Printout Fee	$5	Not stated	None
Photocopy fee, per page	$0.50	per item	None

Overdraft & NSF

Commercial Account Continuous Overdraft Fee$5

Digital & Electronic

Zelle Small Business Fee, per credit$0.49

Fee	Amount	Basis	Note
Overdraft & NSF
Commercial Account Continuous Overdraft Fee	$5	Not stated	None
Digital & Electronic
Zelle Small Business Fee, per credit	$0.49	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Capital City Bank operates, and what regulators and customers have on file.

Holding company

CAPITAL CITY BANK GROUP INC (Nasdaq: CCBG)

Consolidated assets

$4.4B

Shareholders' equity

$573.9M

As of

2026Q3

Net income by quarter

Recent SEC filings

8-KFORM 8-K2026-11-03View
10-QFORM 10-Q2026-10-30View
8-KFORM 8-K2026-10-20View
10-QFORM 10-Q2026-07-29View
8-KFORM 8-K2026-07-27View
8-KFORM 8-K2026-07-21View
8-KFORM 8-K2026-05-15View
10-QFORM 10-Q2026-04-28View
8-K8-K2026-04-23View
8-KFORM 8-K2026-04-20View
DEF 14ADEF 14A2026-03-10View
10-KFORM 10-K2026-02-27View

Source: SEC EDGAR filings and XBRL financial data, CIK 726601. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

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