Compared with Florida
17 of 23
compared fees are above the median.
4 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
98th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 23 compared; 4 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Florida median | Published fees above the Florida 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
Service charges were 8.7% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
17 of 23 compared published fees sit above the Florida median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Florida medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Carefree Checking $7.95 · Everyday Checking $8.95
Compared at $8.45, the middle of its prices
Overdraft (OD)
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.
Service-charge income fell 3.8% from Q3 2025 to Q2 2026, to $5.7M. Its share of revenue, 8.7%, is above the 2.2% median for banks with $1B to $10B in assets.
$5.7M
Capital City BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7.95 to $8.95; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Capital City Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Capital City Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Capital City Bank by share.
Amounts from Capital City Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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
one time
per month
per month
per hour · Account Reconciliation or Research Fee, per hour (one hour minimum) | $25
per month
per item
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Carefree Checking Monthly service charge | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge (Everyday Checking) | $8.95Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $30Above the U.S. middle 50% ($10 to $25 nationally) | 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) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Service Charge, per month (GA) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Closing Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excess withdrawal or transfer fee | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Statement Fee, per undeliverable statement | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | 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 | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Card Delivery Fee | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Transaction Fee | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic Fee | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming Domestic Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing International Fee | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Incoming International Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Foreign Draft Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Pre-printed Temporary Checks (12 checks) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Canadian Item Collection Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Item Chargeback Fee, per item | $9Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Night Depository Key, per additional key | $15Inside the U.S. middle 50% ($5 to $15 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Garnishment Fee | $175Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy Fee | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Deposit Account Verification Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| Individual Retirement Account Closing Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Imaged Document Fee, per image | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Imaged Statement Fee, per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement Fee, per duplicate statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Instant Statement Printout Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy fee, per page | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Capital City Bank operates, and what regulators and customers have on file.
Branch footprint
67 offices in 3 states, $3.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 16 | $1.7B | |
| Outside a metro area | 13 | $923.5M |
| 15 | $517.6M | |
| 3 | $179.4M | |
| 4 | $160.1M | |
| 3 | $100.6M | |
| 2 | $89.3M | |
| 4 | $48.6M |
Tallahassee, FL
20.6% of bank deposits, #1 of 18, up 7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 14.2% |
| Wells Fargo Bank, National Association | 11.7% |
| Truist Bank | 11.3% |
| Hancock Whitney Bank | 6.7% |
| Renasant Bank | 6.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Tallahassee, FL, Capital City Bank holds 20.6% of bank deposits, #1 of 18, with 16 offices.
112 offices of 34 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 18 institutions shown. $8.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 20.6% share, 16 offices, #1 of 18
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
45 offices of 16 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 past action
Past
Federal Reserve · Order
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
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
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
We check once a day and send one email covering every change.