Capital City Bank Group, Inc. (CCBG): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich die Capital City Bank Group, Inc. (CCBG) zu einem strategischen Kraftpaket, das sein Geschäftsmodell sorgfältig darauf ausrichtet, den vielfältigen Finanzbedürfnissen der dynamischen Märkte Floridas gerecht zu werden. Durch die nahtlose Verbindung von traditionellem, beziehungsbasiertem Banking mit modernsten digitalen Lösungen hat CCBG ein robustes Rahmenwerk entwickelt, das den komplexen Anforderungen kleiner Unternehmen, vermögender Privatpersonen und lokaler Handelsunternehmen gerecht wird. Ihr innovatives Business Model Canvas offenbart einen anspruchsvollen Ansatz, der über bloße Finanztransaktionen hinausgeht und ein ganzheitliches Ökosystem personalisierter Bankerlebnisse schafft, das sie in einer wettbewerbsintensiven Finanzdienstleistungslandschaft hervorhebt.

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände in Florida

Die Capital City Bank Group unterhält Partnerschaften mit folgenden lokalen Wirtschaftsverbänden:

Vereinsname	Art der Zusammenarbeit	Aktiv seit
Florida Bankers Association	Regulatorische Interessenvertretung und Networking	2015
Handelskammer von Tallahassee	Unterstützung bei der Geschäftsentwicklung	2010

Regionale Finanzdienstleister

Zu den wichtigsten Partnerschaften im Finanzdienstleistungsbereich gehören:

• Fidelity National Financial (Hypothekendienstleistungen)
• First Data Corporation (Zahlungsabwicklung)
• Jack Henry & Associates (Banking-Technologielösungen)

Technologieanbieter für digitale Banking-Lösungen

Anbieter	Technologielösung	Vertragswert
Temenos Group AG	Kernbankenplattform	3,2 Millionen US-Dollar pro Jahr
Finastra	Digitale Banking-Infrastruktur	2,7 Millionen US-Dollar pro Jahr

Gewerbeimmobilienentwickler

Bedeutende Immobilienentwicklungspartnerschaften:

• Berkadia Gewerbehypothek
• CBRE Group, Inc.
• JLL (Jones Lang LaSalle)

Versicherungs- und Investmentfirmen

Partnerfirma	Partnerschaftsfokus	Dauer der Zusammenarbeit
Assurant, Inc.	Vertrieb von Versicherungsprodukten	7 Jahre
Raymond James Finanzen	Anlageberatungsdienstleistungen	5 Jahre

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Die Capital City Bank Group, Inc. betreibt ab 2023 63 Bankbüros mit umfassendem Service in ganz Florida. Die Gesamtaktiva belaufen sich auf 4,01 Milliarden US-Dollar, die Gesamteinlagen auf 3,47 Milliarden US-Dollar.

Kategorie Bankdienstleistungen	Anzahl der Dienste	Jährliches Transaktionsvolumen
Girokonten	37,500	1,2 Millionen Transaktionen
Sparkonten	25,600	850.000 Transaktionen
Geschäftsbankkonten	5,200	425.000 Transaktionen

Kreditvergabe und Kreditgeschäfte

Gesamtkreditportfolio im vierten Quartal 2023 auf 3,24 Milliarden US-Dollar geschätzt.

• Gewerbliche Immobilienkredite: 1,47 Milliarden US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 892 Millionen US-Dollar
• Gewerbe- und Industriekredite: 645 Millionen US-Dollar
• Verbraucherkredite: 235 Millionen US-Dollar

Verwaltung digitaler Bankplattformen

Die digitale Banking-Plattform bedient rund 75.000 aktive Online- und Mobile-Banking-Nutzer.

Digitale Plattformfunktion	Benutzerinteraktion
Mobile-Banking-App-Downloads	52,000
Online-Banking-Benutzer	75,000
Monatliche digitale Transaktionen	1,1 Millionen

Vermögensverwaltung und Finanzberatung

Die Vermögensverwaltungsabteilung verwaltet Kundenvermögen in Höhe von 620 Millionen US-Dollar.

• Anzahl der Vermögensverwaltungskunden: 4.200
• Durchschnittlicher Wert des Kundenportfolios: 147.600 USD
• Anlageberatungsdienstleistungen
• Ruhestandsplanung
• Beratung zur Nachlassplanung

Risikomanagement und Compliance-Überwachung

Ein engagiertes Compliance-Team aus 42 Fachleuten überwacht die regulatorischen Anforderungen.

Compliance-Metrik	Jährliche Leistung
Regulierungsaudits abgeschlossen	12
Compliance-Schulungszeiten	3,600
Risikomanagementbudget	5,2 Millionen US-Dollar

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Florida

Im vierten Quartal 2023 betreibt die Capital City Bank Group 74 Bankbüros in ganz Florida. Die Gesamtaktiva der Bank beliefen sich auf 4,56 Milliarden US-Dollar. Die Netzabdeckung umfasst 58 Landkreise im Bundesstaat.

Netzwerkmetrik	Menge
Gesamtzahl der Bankfilialen	74
Abgedeckte Landkreise	58
Gesamtvermögen	4,56 Milliarden US-Dollar

Fortschrittliche digitale Banking-Infrastruktur

Funktionen der digitalen Banking-Plattform:

• Mobile-Banking-Anwendung mit 126.000 aktiven Benutzern
• Online-Transaktionsverarbeitungsvolumen: 2,3 Millionen monatliche Transaktionen
• Investitionen in die Cybersicherheit: 3,2 Millionen US-Dollar pro Jahr

Erfahrenes Finanzmanagement-Team

Managementerfahrung	Durchschnittliche Jahre
Executive Leadership-Team	22,4 Jahre
Geschäftsleitung	17,6 Jahre

Robuste Kundendatenbank

Gesamtkundenstamm: 287.000 aktive Konten, mit folgender Aufteilung:

• Personal Banking: 203.000 Konten
• Business Banking: 84.000 Konten

Proprietäre Finanztechnologiesysteme

Kennzahlen für Technologieinvestitionen:

• Jährliches IT-Budget: 12,4 Millionen US-Dollar
• Aktualisierungszyklus der Technologieinfrastruktur: 3–4 Jahre
• Benutzerdefinierte Banksoftwareplattformen: 7 proprietäre Systeme

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Ab dem vierten Quartal 2023 bot die Capital City Bank Group Folgendes an:

Kundensegment	Anzahl der Konten	Gesamtvermögenswert
Geschäftskunden	12,547	2,3 Milliarden US-Dollar
Einzelne Kunden	87,453	1,7 Milliarden US-Dollar

Umfassende Finanzdienstleistungen in den Märkten Floridas

Zu den Finanzdienstleistungsangeboten gehören:

• Kommerzielle Kreditvergabe
• Girokonten für Unternehmen
• Cash-Management-Dienstleistungen
• Kredite für kleine Unternehmen

Servicekategorie	Gesamtwert des Portfolios	Marktdurchdringung
Kommerzielle Kreditvergabe	1,42 Milliarden US-Dollar	37,6 % Marktanteil in Florida
Geschäftsbanking	892 Millionen US-Dollar	29,3 % Marktanteil in Florida

Wettbewerbsfähige Zinssätze und Kreditprodukte

Zinssätze ab Januar 2024:

Produkt	Zinssatz	Durchschnittlicher Kreditbetrag
Geschäftskredite	7.25%	$456,000
Gewerbeimmobilien	6.75%	1,2 Millionen US-Dollar

Lokale Entscheidungsfindung und beziehungsbasiertes Banking

Lokale Bankkennzahlen:

• 27 Niederlassungen in Florida
• 98 % der Kreditentscheidungen werden vor Ort getroffen
• Durchschnittliche Kundenbeziehungsdauer: 7,3 Jahre

Integrierte digitale und traditionelle Bankerfahrungen

Digital-Banking-Metrik	Leistung 2023
Mobile-Banking-Benutzer	62,345
Online-Transaktionsvolumen	3,2 Millionen Transaktionen
Akzeptanzrate des digitalen Bankings	71.4%

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Kundenbeziehungen

Engagierte Beziehungsmanager

Die Capital City Bank Group bietet 35 engagierte Kundenbetreuer in allen operativen Regionen und betreut hauptsächlich Geschäftskunden und vermögende Privatkunden.

Kundensegment	Beziehungsmanager	Durchschnittliches Kundenportfolio
Geschäftsbanking	22	87 Firmenkunden
Vermögende Privatpersonen	13	62 Einzelkunden

Persönlicher Kundenservice

Die Bank unterhält eine 91,4 % Kundenzufriedenheitsrate durch personalisierte Serviceansätze.

• Durchschnittliche Antwortzeit: 12 Minuten für digitale Anfragen
• Dedizierte Kundensupportkanäle rund um die Uhr
• Maßgeschneiderte Finanzberatungsdienstleistungen

Unterstützung für digitales und mobiles Banking

Statistiken zur digitalen Bankplattform für 2024:

Digitaler Kanal	Aktive Benutzer	Transaktionen pro Monat
Mobile-Banking-App	127,500	1,4 Millionen
Online-Banking-Portal	98,300	986,000

Community-orientiertes Engagement

Kennzahlen zur Community-Interaktion:

• Gesponserte lokale Gemeinschaftsveranstaltungen: 42
• Programme zur finanziellen Bildung: 18
• Gesamtinvestition der Gemeinschaft: 625.000 US-Dollar

Regelmäßige Finanzberatungsangebote

Aufschlüsselung der Beratungsleistungen:

Beratungstyp	Häufigkeit	Durchschnittliche Dauer
Persönliche Bankberatung	Wöchentlich	45 Minuten
Finanzplanung für Unternehmen	Zweiwöchentlich	90 Minuten
Ruhestandsplanung	Monatlich	60 Minuten

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2024 betreibt die Capital City Bank Group 70 physische Bankfilialen in ganz Florida. Die Filialverteilung ist wie folgt:

Region	Anzahl der Filialen
Nordflorida	35
Zentralflorida	25
Südflorida	10

Online-Banking-Plattform

Die Online-Banking-Plattform der Capital City Bank bedient ab dem vierten Quartal 2023 etwa 95.000 aktive digitale Nutzer. Zu den wichtigsten Funktionen gehören:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf

Mobile-Banking-Anwendung

Die Mobile-Banking-App wurde 62.000 Mal heruntergeladen und erhielt eine Benutzerbewertung von 4,5/5. Monatlich aktive Benutzer: 48.000.

Plattform	Statistiken herunterladen
Apple App Store	38.000 Downloads
Google Play Store	24.000 Downloads

ATM-Netzwerk

Die Capital City Bank unterhält 95 Geldautomatenstandorte, davon 65 in Filialen und 30 an strategischen Standorten außerhalb des Standorts.

• Kostenlose Transaktionen am Geldautomaten für Kontoinhaber
• Bargeldabhebungsservice rund um die Uhr
• Einzahlungsmöglichkeiten an ausgewählten Geldautomaten

Telefon-Banking-Dienste

Im Callcenter-Betrieb werden monatlich etwa 22.000 Kundeninteraktionen abgewickelt, mit einer durchschnittlichen Reaktionszeit von 3,2 Minuten.

Servicetyp	Monatliches Volumen
Kontoanfragen	12,500
Technischer Support	5,800
Transaktionsunterstützung	3,700

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Florida

Im vierten Quartal 2023 betreut die Capital City Bank Group etwa 12.500 kleine und mittlere Unternehmen in ganz Florida. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 687,3 Millionen US-Dollar.

Unternehmensgrößenkategorie	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Kleinstunternehmen (1-9 Mitarbeiter)	6,750	$125,000
Kleine Unternehmen (10-49 Mitarbeiter)	4,250	$375,000
Mittelständische Unternehmen (50-250 Mitarbeiter)	1,500	$1,250,000

Lokale Handelsunternehmen

Das Geschäftsbanksegment macht 42 % des Gesamtumsatzes der CCBG aus, mit 215,4 Millionen US-Dollar an Geschäftsbankeinnahmen im Jahr 2023.

• Kunden im Bereich Immobilienentwicklung: 375
• Einzelhandelsunternehmen: 2.850
• Professionelle Dienstleistungsunternehmen: 1.625

Privatkunden im Privatkundengeschäft

Gesamtkundenzahl im Privatkundengeschäft: 87.600. Gesamtsumme der Einlagenkonten: 1,2 Milliarden US-Dollar.

Kontotyp	Anzahl der Konten	Durchschnittlicher Kontostand
Girokonten	52,560	$8,750
Sparkonten	35,040	$15,600

Vermögende Privatpersonen

Das Segment Vermögensverwaltung betreut 1.250 vermögende Kunden mit einem verwalteten Gesamtvermögen von 425,6 Millionen US-Dollar.

• Kunden mit einem Vermögen von 1–5 Millionen US-Dollar: 875
• Kunden mit einem Vermögen von 5–10 Millionen US-Dollar: 250
• Kunden mit einem Vermögen von über 10 Millionen US-Dollar: 125

Regionale Regierungs- und institutionelle Kunden

Wert des Regierungs- und institutionellen Bankensegments: 156,7 Millionen US-Dollar im Jahr 2023.

Clienttyp	Anzahl der Kunden	Gesamtwert der Bankbeziehung
Kommunalverwaltungen	42	87,3 Millionen US-Dollar
Kreisinstitutionen	28	45,6 Millionen US-Dollar
Staatliche Bildungseinrichtungen	15	23,8 Millionen US-Dollar

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Laut Finanzbericht 2023 beliefen sich die Betriebsausgaben der Filialen der Capital City Bank Group auf insgesamt 37,6 Millionen US-Dollar pro Jahr.

Ausgabenkategorie	Jährliche Kosten
Miete und Nebenkosten	15,2 Millionen US-Dollar
Wartung und Reparaturen	6,8 Millionen US-Dollar
Filialsicherheit	4,1 Millionen US-Dollar

Wartung der Technologieinfrastruktur

Die Kosten für die Wartung der Technologieinfrastruktur für CCBG beliefen sich im Jahr 2023 auf 22,9 Millionen US-Dollar.

• IT-System-Upgrades: 12,3 Millionen US-Dollar
• Investitionen in Cybersicherheit: 5,6 Millionen US-Dollar
• Softwarelizenzierung: 4,1 Millionen US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Die Gesamtvergütung der Mitarbeiter belief sich im Jahr 2023 auf 89,4 Millionen US-Dollar.

Vergütungskomponente	Jährliche Kosten
Grundgehälter	62,7 Millionen US-Dollar
Leistungsprämien	13,2 Millionen US-Dollar
Gesundheits- und Altersvorsorgeleistungen	13,5 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 16,5 Millionen US-Dollar.

• Rechts- und Compliance-Mitarbeiter: 7,3 Millionen US-Dollar
• Prüfungs- und Berichterstattungskosten: 5,2 Millionen US-Dollar
• Regulatorische Schulung: 4,0 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2023 auf insgesamt 8,7 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	3,6 Millionen US-Dollar
Traditionelle Medienwerbung	2,9 Millionen US-Dollar
Gemeinschaftspatenschaften	2,2 Millionen US-Dollar

Capital City Bank Group, Inc. (CCBG) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete die Capital City Bank Group einen Gesamtzinsertrag von 226,5 Millionen US-Dollar. Aufschlüsselung der Kreditzinsen:

Kreditkategorie	Zinserträge
Gewerbliche Kredite	138,2 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	62,7 Millionen US-Dollar
Verbraucherkredite	25,6 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Gesamte Servicegebühren auf Einlagenkonten für 2023: 34,1 Millionen US-Dollar

• Kontoführungsgebühren: 15,3 Millionen US-Dollar
• Überziehungsgebühren: 8,6 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 6,2 Millionen US-Dollar
• Gebühren für Überweisungen: 4,0 Millionen US-Dollar

Erträge aus der Anlage- und Vermögensverwaltung

Umsatz aus Wertpapierdienstleistungen für 2023: 42,5 Millionen US-Dollar

Einnahmequelle	Betrag
Vermögensverwaltungsgebühren	22,3 Millionen US-Dollar
Finanzberatungsdienste	12,7 Millionen US-Dollar
Maklerprovisionen	7,5 Millionen Dollar

Gebühren für digitale Banktransaktionen

Einnahmen aus dem digitalen Banking für 2023: 18,6 Millionen US-Dollar

• Gebühren für Online-Banking-Transaktionen: 9,2 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 6,4 Millionen US-Dollar
• Elektronische Zahlungsabwicklung: 3,0 Millionen US-Dollar

Produktangebote im Commercial Banking

Umsatz mit kommerziellen Bankprodukten für 2023: 55,3 Millionen US-Dollar

Produktkategorie	Einnahmen
Unternehmenskredite	28,7 Millionen US-Dollar
Treasury-Management-Dienstleistungen	16,5 Millionen US-Dollar
Handelsfinanzierungsdienstleistungen	10,1 Millionen US-Dollar

Capital City Bank Group, Inc. (CCBG) - Canvas Business Model: Value Propositions

You're looking at Capital City Bank Group, Inc. (CCBG) and trying to pin down what truly makes their value proposition stick in the market. Honestly, it boils down to a blend of deep-rooted stability and a surprisingly broad service offering for a regional player.

Full-service relationship banking model

The core value here is the commitment to being a partner, not just a transaction processor. This relationship-first approach is the engine driving their profitability. You see this commitment reflected in their operational footprint across Florida, Georgia, and Alabama, where they maintain 62 full-service offices and 108 ATMs/ITMs. This physical presence supports the local expertise that builds loyalty.

The focus on relationships directly impacts their primary profit driver, the Net Interest Margin (NIM). For the third quarter of 2025, CCBG expanded this margin to 4.34%. That's a four-basis point increase over the second quarter of 2025, showing they are effectively managing the cost of funds while securing solid asset yields. It's a good sign they are making smart, responsible loans that genuinely help clients grow their financial position.

Diversified financial solutions (banking, mortgage, wealth, insurance)

CCBG doesn't just stick to traditional deposits and credit; they actively push revenue diversification. They offer a full range of services that keep client finances under one roof. This is a key differentiator in the regional space. As of the end of the first quarter of 2025, income from Deposit, Wealth, Mortgage, and Bank Card Fees accounted for approximately 32% of total revenue. That's a substantial buffer against pure interest rate fluctuations.

Their mortgage arm, Capital City Home Loans, LLC (CCHL), adds another layer, boasting 28 mortgage banking offices across the Southeast. Furthermore, wealth management is a growing piece; for the first nine months of 2025, wealth management fees contributed to an increase in noninterest income. Even with the recent sale of their insurance subsidiary, Capital City Strategic Wealth, which generated a $0.7 million gain in Q3 2025, the remaining structure shows a clear intent to be a comprehensive financial provider.

Here's a quick look at some key Q3 2025 performance metrics that back up this diversified model:

Metric	Value (Q3 2025)
Net Income Attributable to Common Shareowners	$16.0 million
Net Interest Margin (NIM)	4.34%
Total Assets	Approximately $4.3 billion
Allowance Coverage Ratio (Loans)	1.17%

Stability and trust from 130 years of operation

You can't buy 130 years of history; you earn it. Capital City Bank Group was founded in 1895, which means they have weathered over a century of financial cycles. This longevity is a massive intangible asset, signaling deep-seated trust within their operating communities. This history supports their current positioning as one of the largest publicly traded financial holding companies in Florida.

This stability is also visible in their capital strength. At September 30, 2025, the total risk-based capital ratio stood at 20.59%, well above the regulatory minimums for being classified as 'well-capitalized.' They defintely know how to maintain a fortress balance sheet.

Above-peer profitability (Q3 2025 ROA of 1.47%)

The execution of their strategy is evident in their profitability ratios, which management highlighted as being above their peer group. For the third quarter of 2025, Capital City Bank Group posted a Return on Assets (ROA) of 1.47%. That's a strong number for any bank, let alone a regional one.

This operational efficiency translated directly into shareholder returns, with the Return on Equity (ROE) reaching 11.67% for the same period. The first nine months of 2025 showed net income of $47.9 million, a clear step up from the $39.8 million reported in the same period of 2024. Their focus on margin expansion and disciplined cost control is paying off.

• Q3 2025 Diluted Earnings Per Share (EPS): $0.93
• Q3 2025 Net Income: $16.0 million
• Tangible Book Value per diluted share increased by 4.0% in Q3 2025

The bank's ability to generate high returns on its asset base, even while managing a slight seasonal decrease in deposits (down 2.4% on average from Q2 2025 due to public fund balances), shows the underlying quality of their core business.

Capital City Bank Group, Inc. (CCBG) - Canvas Business Model: Customer Relationships

When you look at Capital City Bank Group, Inc. (CCBG), the customer relationship aspect isn't just a soft metric; it's baked into the operational stability you see in their financials. The bank's strategy clearly centers on deep, local ties, which you can see reflected in their staff longevity and community investment.

Dedicated relationship bankers and personalized service

The bank's brand promise is 'More than your bank. Your banker.' This isn't just marketing fluff; it's supported by the experience level of the people serving you. You're not dealing with revolving-door staff; you're dealing with veterans. For instance, the average tenure of the Executive Team stands at a solid 31.6 years, and the Management Team averages 23.9 years on the job. This deep institutional and local knowledge is the foundation for personalized service, suggesting that relationship managers have the authority and experience to make decisions locally, which is key for a community bank.

Long-term client focus; average account tenure is ~14 years

The commitment to long-term relationships shows up directly in client stickiness. The data indicates that the Average Account Balance Tenure for Capital City Bank Group, Inc. clients is approximately ~14 Years. That's a long time to keep a client happy, especially in banking. This longevity suggests clients value the continuity of service over chasing the absolute best rate for a short period. To support this, the average tenure for all associates across the bank is about 9.4 years.

Here's a quick look at the stability metrics that underpin these relationships:

Relationship Metric	Data Point (As of Early/Mid 2025)	Source Context
Average Account Balance Tenure	~14 Years	Client Stickiness Indicator
Average Executive Team Tenure	31.6 years	Decision-Making Experience
Average Management Team Tenure	23.9 years	Operational Depth
Average Associate Tenure	9.4 years	Front-line Consistency
Noninterest Bearing Deposits (Average Q2 2025)	36.5% of total deposits	Indicates low-cost, stable core funding

High-touch, advisory approach for wealth management clients

For clients needing more than basic transactional services, the advisory approach is clearly driving revenue growth. For the first nine months of 2025, wealth management fees grew by $2.2 million compared to the prior year period. This growth was fueled by a $1.1 million increase in trust fees and a $1.0 million rise in retail brokerage fees. This suggests that the advisory services-trust and brokerage-are seeing increased adoption or higher asset valuations, or both. As of March 31, 2025, Wealth Assets Under Management stood at $3.1 Billion. This scale requires a dedicated, high-touch service model to manage effectively.

Community-focused engagement and local decision-making

Capital City Bank Group, Inc. emphasizes that the cities where they have offices are where they live, which translates into tangible community investment. The Capital City Bank Group Foundation reinvested $208,000 in its 2025 grant cycle, supporting nearly 100 local charitable organizations across Florida, Georgia, and Alabama. This foundation, established in 1983, shows a long-term commitment to the region, not just a recent push. Furthermore, the bank supports associate involvement by matching their charitable gifts dollar-for-dollar up to $250 per associate, per year. This structure reinforces the local decision-making ethos, as decisions about where to deploy capital and support are made within the communities they serve, which is a core value of the bank.

The bank's physical footprint supports this local focus:

• Operates 62 full-service offices across Florida, Georgia, and Alabama.
• Maintains 108 ATMs/ITMs across its footprint.
• Total Assets were approximately $4.3 billion as of March 2025.

Finance: draft Q4 2025 community investment projection by end of January.

Capital City Bank Group, Inc. (CCBG) - Canvas Business Model: Channels

The distribution network for Capital City Bank Group, Inc. (CCBG) as of the first quarter of 2025 reflects a balanced approach, combining a physical footprint across Florida, Georgia, and Alabama with robust digital access points.

The physical channel strength is anchored by traditional banking offices, supplemented by self-service technology and dedicated lending outposts in key growth areas.

• Network of 63 traditional branch locations
• 104 ATMs and Interactive Teller Machines (ITMs)

Digital banking serves as a primary interface for routine transactions, supporting the physical network.

• Digital banking via mobile and online platforms

Strategic physical presence is maintained through specialized offices focused on credit origination in expanding metro and coastal regions.

• Loan production offices in high-growth markets, including Marietta, Georgia (Cobb County), Santa Rosa Beach, Florida, and Port Richey, Florida.

The composition of the physical network, as reported in the first quarter of 2025, is detailed below, showing the core branch count and the combined ATM/ITM fleet.

Channel Component	Count (As of Q1 2025)	Geographic Footprint
Banking Offices	63	Florida, Georgia, and Alabama
ATMs and ITMs	104	Florida, Georgia, and Alabama

The Loan Production Offices (LPOs) are strategically placed to support lending activities in specific high-growth corridors, such as the Emerald Coast and the Northern Arc of Atlanta. For example, an LPO is located at 199 Roswell St. Northeast in Marietta, Georgia, and another at 116 MC Davis Blvd in Santa Rosa Beach, Florida. Another LPO is situated at 6709 Ridge Road in Port Richey, Florida.

Digital channel capabilities include the CCBMobile App, which allows users to view balances, transaction history, initiate transfers, and deposit checks securely from anywhere.

• CCBMobile App functionality: Account balance viewing, transaction history access, check deposit initiation, account transfers, and bill payment.

The bank subsidiary, Capital City Bank, founded in 1895, utilizes this multi-channel strategy to serve its approximately $4.3 billion in assets as of early 2025.

Capital City Bank Group, Inc. (CCBG) - Canvas Business Model: Customer Segments

You're looking at the core base that funds Capital City Bank Group, Inc. (CCBG) operations as of late 2025. The customer segments are clearly delineated, with deposit composition being a key metric for understanding the funding structure.

As of September 30, 2025, Capital City Bank Group, Inc. reported total deposits of $3.615 billion. This deposit base is segmented across several distinct groups, with a significant portion coming from commercial and retail clients, alongside government entities.

The primary funding sources, based on the expected composition, are detailed below, showing the relative weight of commercial versus individual banking relationships. The combined total for these two segments represents the core, non-public fund deposits.

Customer Segment Category	Assumed Deposit Percentage (as per outline)	Calculated Deposit Amount (as of 9/30/2025)
Local businesses	55%	$1,714.405 million
Retail consumers	45%	$1,402.695 million
Subtotal Core Deposits	100%	$3,117.1 million

The public sector provides a notable, though seasonally variable, component of the funding. You can see the actual public funds balance reported for the third quarter of 2025, which is a critical figure to monitor for liquidity planning.

• Public funds balances at September 30, 2025, totaled $497.9 million.
• Public funds balances at December 31, 2024, were $660.9 million.
• Noninterest bearing deposits averaged 36.4% of total deposits for the third quarter of 2025.

For the higher-value service lines, the wealth management division, operating under the Capital City Wealth brand, shows tangible growth in assets under management (AUM). This segment targets high-net-worth individuals seeking specialized financial stewardship.

• Assets under management grew by 18% to $3.049 billion as of April 22, 2025.
• Trust fees contributed to noninterest income, increasing by $0.7 million for the first six months of 2025.

The overall scale of Capital City Bank Group, Inc. is anchored by its balance sheet size, which supports these client-facing activities. Honestly, the AUM figure is a strong indicator of success in capturing that high-net-worth market.

The total assets of Capital City Bank Group, Inc. were reported at approximately $4.3 billion in April 2025, with a more recent figure of $4.32 Billion USD as of September 2025. This is the foundation for all these customer relationships.

Finance: draft 13-week cash view by Friday.

Capital City Bank Group, Inc. (CCBG) - Canvas Business Model: Cost Structure

You're looking at the expenses that keep Capital City Bank Group, Inc. running across its footprint. For a bank, the cost structure is heavily weighted toward personnel and physical presence, so you need to watch those line items closely.

Compensation and benefits for associates is a major component. As of early 2025 filings, Capital City Bank Group, Inc. had approximately 969 Associates on the payroll. This people-first philosophy, which guides their business, translates directly into significant payroll and benefit costs. To be fair, the noninterest expense report for Q3 2025 showed a decrease in compensation expense of $0.4 million from the prior quarter, mainly due to lower performance-based compensation.

Occupancy and equipment expenses tie directly to their physical footprint. Capital City Bank, the bank subsidiary, operates 63 banking offices across Florida, Georgia, and Alabama. Keeping those locations running, plus the 108 ATMs/ITMs, involves substantial fixed costs for leases, maintenance, and technology infrastructure.

The cost associated with potential loan defaults, the Provision for credit losses, is a key variable expense. For the third quarter of 2025, Capital City Bank Group, Inc. recorded a provision expense for credit losses of $1.9 million. This was an increase from the $0.6 million recorded in the second quarter of 2025.

General noninterest expense captures the day-to-day operating costs outside of direct compensation and occupancy. For the third quarter of 2025, the total noninterest expense was reported at $42.9 million. This figure was slightly higher than the $42.5 million reported in Q2 2025. The Q3 2025 increase was primarily driven by higher miscellaneous expenses of $0.7 million and professional fees of $0.1 million.

Here's a quick look at the key cost structure figures we have for the third quarter of 2025:

Cost Component	Amount (Q3 2025)
Provision for Credit Losses	$1.9 million
General Noninterest Expense	$42.9 million
Noninterest Expense (Q2 2025 Comparison)	$42.5 million

You can see how the noninterest expense breaks down into its main drivers:

• Compensation expense (decreased by $0.4 million from Q2 2025)
• Other expense (increased by $0.8 million from Q2 2025)
• Miscellaneous expenses (contributing $0.7 million to the increase in other expense)

The scale of the operation dictates these costs, which you can see reflected in the physical presence metrics:

• Number of Banking Offices: 63
• Number of Associates (as of early 2025): 969

Capital City Bank Group, Inc. (CCBG) - Canvas Business Model: Revenue Streams

The revenue streams for Capital City Bank Group, Inc. are primarily derived from traditional banking activities supplemented by fee-based services across its banking, wealth management, and mortgage operations as of late 2025.

Net Interest Income (Q3 2025: $43.6 million)

Tax-equivalent net interest income for the third quarter of 2025 totaled $43.6 million, up from $43.2 million in the second quarter of 2025. For the first nine months of 2025, this figure reached $128.4 million, compared to $118.0 million for the same period in 2024. The net interest margin for Q3 2025 was 4.34%.

Wealth management fees (Q3 2025 increase from trust/brokerage)

Wealth management fees contributed to noninterest income growth. Compared to the third quarter of 2024, wealth management fees increased by $0.4 million. Looking at the longer trend, for the first nine months of 2025, wealth management fees increased by $2.2 million over the first nine months of 2024. This increase was driven by:

• Trust fees increasing by $1.1 million.
• Retail brokerage fees increasing by $1.0 million.

Mortgage banking revenues (Q3 2025 increase of $0.6 million)

Mortgage banking revenues showed sequential improvement. The revenue increased by $0.6 million in the third quarter of 2025 compared to the second quarter of 2025, driven by higher production volume and gain on sale margin. Year-over-year, compared to the third quarter of 2024, mortgage banking revenues increased by $0.8 million. For the first nine months of 2025, this revenue stream saw an increase of $1.6 million.

Overall noninterest income for the third quarter of 2025 totaled $22.3 million, an increase of $2.3 million, or 11.6%, over the second quarter of 2025. This growth was supported by several fee and income sources, including a $0.7 million gain from the sale of the insurance subsidiary in Q3 2025.

Here is a breakdown of the key components contributing to the $2.3 million increase in Noninterest Income for Q3 2025 over Q2 2025:

Revenue Component	Q3 2025 Increase over Q2 2025
Other Income (including subsidiary sale gain)	$1.2 million
Mortgage Banking Revenues	$0.6 million
Deposit Fees	$0.6 million

Deposit and bankcard fees

Deposit fees specifically contributed $0.6 million to the sequential increase in noninterest income for the third quarter of 2025. When comparing the third quarter of 2025 to the third quarter of 2024, deposit fees increased by $0.4 million. Bankcard fees are included within the overall noninterest income, which saw a total increase of 11.6% in Q3 2025 over Q2 2025.