Capital City Bank Group, Inc. (CCBG): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, Capital City Bank Group, Inc. (CCBG) apparaît comme une puissance stratégique, fabriquant méticuleusement son modèle commercial pour répondre aux divers besoins financiers des marchés dynamiques de la Floride. En mélangeant de manière transparente les banques traditionnelles basées sur les relations avec des solutions numériques de pointe, CCBG a conçu un cadre robuste qui répond aux exigences complexes des petites entreprises, des individus à haute noue et des entreprises commerciales locales. Leur toile de modèle commercial innovant révèle une approche sophistiquée qui va au-delà de simples transactions financières, créant un écosystème holistique d'expériences bancaires personnalisées qui les distinguent dans un paysage de services financiers concurrentiel.

Capital City Bank Group, Inc. (CCBG) - Modèle d'entreprise: Partenariats clés

Associations d'entreprises locales en Floride

Capital City Bank Group maintient des partenariats avec les associations commerciales locales suivantes:

Nom d'association	Type de collaboration	Actif depuis
Association des banquiers de Floride	Plaidoyer et réseautage réglementaires	2015
Chambre de commerce de Tallahassee	Support de développement commercial	2010

Fournisseurs de services financiers régionaux

Les principaux partenariats de services financiers comprennent:

• Fidelity National Financial (Services hypothécaires)
• First Data Corporation (traitement des paiements)
• Jack Henry & Associés (solutions de technologie bancaire)

Vendeurs technologiques pour les solutions bancaires numériques

Fournisseur	Solution technologique	Valeur du contrat
TEMENOS GROUP AG	Plateforme bancaire de base	3,2 millions de dollars par an
Finastra	Infrastructure bancaire numérique	2,7 millions de dollars par an

Promoteurs immobiliers commerciaux

Partenariats importants de développement immobilier:

• Hypothèque commerciale de Berkadia
• CBRE Group, Inc.
• Jll (Jones Lang Lasalle)

Sociétés d'assurance et d'investissement

Entreprise partenaire	Focus de partenariat	Durée de collaboration
Assurant, Inc.	Distribution des produits d'assurance	7 ans
Raymond James Financial	Services de conseil en investissement	5 ans

Capital City Bank Group, Inc. (CCBG) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Capital City Bank Group, Inc. exploite 63 bureaux bancaires à service complet à travers la Floride à partir de 2023. Les actifs totaux déclarés à 4,01 milliards de dollars avec des dépôts totaux de 3,47 milliards de dollars.

Catégorie de service bancaire	Nombre de services	Volume de transaction annuel
Comptes chèques	37,500	1,2 million de transactions
Comptes d'épargne	25,600	850 000 transactions
Comptes bancaires d'entreprise	5,200	425 000 transactions

Opérations de prêt et de crédit

Le portefeuille total des prêts d'une valeur de 3,24 milliards de dollars au T2 2023.

• Prêts immobiliers commerciaux: 1,47 milliard de dollars
• Prêts hypothécaires résidentiels: 892 millions de dollars
• Prêts commerciaux et industriels: 645 millions de dollars
• Prêts à la consommation: 235 millions de dollars

Gestion de la plate-forme bancaire numérique

La plate-forme bancaire numérique dessert environ 75 000 utilisateurs actifs en ligne et bancaires mobiles.

Fonctionnalité de plate-forme numérique	Engagement des utilisateurs
Téléchargements d'applications bancaires mobiles	52,000
Utilisateurs de la banque en ligne	75,000
Transactions numériques mensuelles	1,1 million

Gestion de la patrimoine et avis financier

La division de gestion de patrimoine gère 620 millions de dollars d'actifs clients.

• Nombre de clients de gestion de patrimoine: 4 200
• Valeur moyenne du portefeuille des clients: 147 600 $
• Services de conseil en investissement
• Planification de la retraite
• Consultation de planification successorale

Gestion des risques et surveillance de la conformité

Équipe de conformité dédiée à 42 professionnels qui surveillaient les exigences réglementaires.

Métrique de conformité	Performance annuelle
Audits réglementaires terminés	12
Heures de formation de la conformité	3,600
Budget de gestion des risques	5,2 millions de dollars

Capital City Bank Group, Inc. (CCBG) - Modèle d'entreprise: Ressources clés

Strong Regional Banking Network en Floride

Au quatrième trimestre 2023, Capital City Bank Group exploite 74 bureaux bancaires à travers la Floride. Les actifs totaux de la banque étaient de 4,56 milliards de dollars. La couverture du réseau s'étend sur 58 comtés de l'État.

Métrique du réseau	Quantité
Total des bureaux bancaires	74
Les comtés couverts	58
Actif total	4,56 milliards de dollars

Infrastructure bancaire numérique avancée

Capitaires de la plate-forme bancaire numérique:

• Application des banques mobiles avec 126 000 utilisateurs actifs
• Volume de traitement des transactions en ligne: 2,3 millions de transactions mensuelles
• Investissement en cybersécurité: 3,2 millions de dollars par an

Équipe de gestion financière expérimentée

Expérience de gestion	Années moyennes
Équipe de direction exécutive	22,4 ans
Senior	17,6 ans

Base de données client robuste

Base de clientèle totale: 287 000 comptes actifs, avec une panne comme suit:

• Banque personnelle: 203 000 comptes
• Banque d'entreprise: 84 000 comptes

Systèmes technologiques financières propriétaires

Métriques d'investissement technologique:

• Budget informatique annuel: 12,4 millions de dollars
• Infrastructure technologique Cycle de rafraîchissement: 3-4 ans
• Plate-formes logicielles bancaires personnalisées: 7 systèmes propriétaires

Capital City Bank Group, Inc. (CCBG) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises et les particuliers

Au quatrième trimestre 2023, Capital City Bank Group a proposé:

Segment de clientèle	Nombre de comptes	Valeur totale de l'actif
Clients commerciaux	12,547	2,3 milliards de dollars
Clients individuels	87,453	1,7 milliard de dollars

Services financiers complets sur les marchés de la Floride

Les offres de services financiers comprennent:

• Prêts commerciaux
• Comptes de chèques d'entreprise
• Services de gestion de trésorerie
• Prêts aux petites entreprises

Catégorie de service	Valeur totale du portefeuille	Pénétration du marché
Prêts commerciaux	1,42 milliard de dollars	37,6% de part de marché de la Floride
Banque d'affaires	892 millions de dollars	29,3% de part de marché de la Floride

Taux d'intérêt concurrentiels et produits de prêt

Taux d'intérêt en janvier 2024:

Produit	Taux d'intérêt	Montant moyen du prêt
Prêts commerciaux	7.25%	$456,000
Immobilier commercial	6.75%	1,2 million de dollars

Prise de décision locale et banque basée sur les relations

Métriques bancaires locales:

• 27 succursales en Floride
• 98% des décisions de prêt prises localement
• Tenure moyenne de la relation client: 7,3 ans

Expériences bancaires numériques et traditionnelles intégrées

Métrique bancaire numérique	Performance de 2023
Utilisateurs de la banque mobile	62,345
Volume de transaction en ligne	3,2 millions de transactions
Taux d'adoption des banques numériques	71.4%

Capital City Bank Group, Inc. (CCBG) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations dédiées

Capital City Bank Group fournit 35 gestionnaires de relations dédiées Dans ses régions opérationnelles, servant principalement des clients commerciaux et des clients individuels élevés.

Segment de clientèle	Gestionnaires de relations	Portefeuille de clients moyens
Banque d'affaires	22	87 clients d'entreprise
Individus à haute nette	13	62 clients individuels

Service client personnalisé

La banque maintient un Taux de satisfaction du client 91,4% Grâce à des approches de service personnalisées.

• Temps de réponse moyen: 12 minutes pour les demandes numériques
• Canaux de support client dédiés 24/7
• Services de conseil financier personnalisés

Prise en charge des banques numériques et mobiles

Statistiques de la plate-forme bancaire numérique pour 2024:

Canal numérique	Utilisateurs actifs	Transactions par mois
Application bancaire mobile	127,500	1,4 million
Portail bancaire en ligne	98,300	986,000

Engagement axé sur la communauté

Métriques d'interaction communautaire:

• Événements communautaires locaux parrainés: 42
• Programmes de littératie financière: 18
• Investissement total de la communauté: 625 000 $

Offres de consultation financière régulières

Répartition des services de consultation:

Type de consultation	Fréquence	Durée moyenne
Consultations bancaires personnelles	Hebdomadaire	45 minutes
Planification financière des entreprises	Bihebdomadaire	90 minutes
Planification de la retraite	Mensuel	60 minutes

Capital Bank Group, Inc. (CCBG) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

En 2024, Capital City Bank Group exploite 70 succursales bancaires physiques à travers la Floride. La distribution des succursales est la suivante:

Région	Nombre de branches
Floride du Nord	35
Central Floride	25
Sud-Floride	10

Plateforme bancaire en ligne

La plate-forme bancaire en ligne de Capital City City Bank dessert environ 95 000 utilisateurs numériques actifs au quatrième trimestre 2023. Les fonctionnalités clés incluent:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions

Application bancaire mobile

L'application bancaire mobile a été téléchargée 62 000 fois avec une cote d'utilisateurs de 4,5 / 5. Utilisateurs actifs mensuels: 48 000.

Plate-forme	Télécharger des statistiques
Apple App Store	38 000 téléchargements
Google Play Store	24 000 téléchargements

Réseau ATM

Capital City Bank maintient 95 emplacements ATM, avec 65 situés sur des sites de succursales et 30 dans des emplacements stratégiques hors site.

• Transactions ATM gratuites Pour les titulaires de compte
• Services de retrait en espèces 24/7
• Capacités de dépôt à certains guichets automatiques

Services bancaires téléphoniques

Les opérations du centre d'appel gèrent environ 22 000 interactions client par mois, avec un temps de réponse moyen de 3,2 minutes.

Type de service	Volume mensuel
Enquêtes de compte	12,500
Support technique	5,800
Assistance aux transactions	3,700

Capital Bank Group, Inc. (CCBG) - Modèle d'entreprise: segments de clients

Petites et moyennes entreprises en Floride

Au quatrième trimestre 2023, Capital City Bank Group dessert environ 12 500 petites et moyennes entreprises à travers la Floride. Portfolio total de prêts commerciaux pour ce segment: 687,3 millions de dollars.

Catégorie de taille d'entreprise	Nombre de clients	Montant moyen du prêt
Micro-entreprises (1-9 employés)	6,750	$125,000
Petites entreprises (10-49 employés)	4,250	$375,000
Entreprises moyennes (50-250 employés)	1,500	$1,250,000

Entreprises commerciales locales

Le segment bancaire commercial représente 42% des revenus totaux de CCBG, avec 215,4 millions de dollars de revenus bancaires commerciaux pour 2023.

• Clients en développement immobilier: 375
• Entreprises commerciales de détail: 2 850
• Entreprises de services professionnels: 1 625

Clients bancaires de détail individuels

Total des clients bancaires au détail: 87 600. Comptes de dépôt total: 1,2 milliard de dollars.

Type de compte	Nombre de comptes	Équilibre moyen
Comptes chèques	52,560	$8,750
Comptes d'épargne	35,040	$15,600

Individus à haute nette

Le segment de la gestion de patrimoine dessert 1 250 clients à haute teneur en matière de données avec un actif total sous gestion: 425,6 millions de dollars.

• Clients avec 1 à 5 millions de dollars d'actifs: 875
• Clients avec 5 à 10 millions de dollars d'actifs: 250
• Clients avec plus de 10 millions de dollars d'actifs: 125

Gouvernement régional et clients institutionnels

Valeur du segment bancaire gouvernemental et institutionnel: 156,7 millions de dollars en 2023.

Type de client	Nombre de clients	Valeur totale de la relation bancaire
Gouvernements municipaux	42	87,3 millions de dollars
Institutions de comté	28	45,6 millions de dollars
Établissements d'enseignement de l'État	15	23,8 millions de dollars

Capital Bank Group, Inc. (CCBG) - Modèle d'entreprise: Structure des coûts

Succursale des dépenses opérationnelles

En 2023, les rapports financiers, les dépenses opérationnelles de la succursale de Capital City Bank Group ont totalisé 37,6 millions de dollars par an.

Catégorie de dépenses	Coût annuel
Loyer et services publics	15,2 millions de dollars
Entretien et réparations	6,8 millions de dollars
Sécurité des succursales	4,1 millions de dollars

Maintenance des infrastructures technologiques

Les coûts de maintenance des infrastructures technologiques pour CCBG ont atteint 22,9 millions de dollars en 2023.

• Mises à niveau des systèmes informatiques: 12,3 millions de dollars
• Investissements en cybersécurité: 5,6 millions de dollars
• Licence de logiciel: 4,1 millions de dollars

Compensation et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 89,4 millions de dollars.

Composant de compensation	Coût annuel
Salaires de base	62,7 millions de dollars
Bonus de performance	13,2 millions de dollars
Prestations de santé et de retraite	13,5 millions de dollars

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2023 s'élevaient à 16,5 millions de dollars.

• Personnel juridique et de conformité: 7,3 millions de dollars
• Frais d'audit et de rapport: 5,2 millions de dollars
• Formation réglementaire: 4,0 millions de dollars

Frais de marketing et d'acquisition des clients

Les dépenses de marketing ont totalisé 8,7 millions de dollars en 2023.

Canal de marketing	Dépenses annuelles
Marketing numérique	3,6 millions de dollars
Publicité médiatique traditionnelle	2,9 millions de dollars
Parrainages communautaires	2,2 millions de dollars

Capital Bank Group, Inc. (CCBG) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, Capital City Bank Group a déclaré un revenu total d'intérêts de 226,5 millions de dollars. Répartition des intérêts du prêt:

Catégorie de prêt	Revenu d'intérêt
Prêts commerciaux	138,2 millions de dollars
Prêts hypothécaires résidentiels	62,7 millions de dollars
Prêts à la consommation	25,6 millions de dollars

Frais de service bancaire

Les frais de service totaux sur les comptes de dépôt pour 2023: 34,1 millions de dollars

• Frais de maintenance du compte: 15,3 millions de dollars
• Frais de découvert: 8,6 millions de dollars
• Frais de transaction ATM: 6,2 millions de dollars
• Frais de transfert de fil: 4,0 millions de dollars

Revenus d'investissement et de gestion de la patrimoine

Revenus de services d'investissement pour 2023: 42,5 millions de dollars

Source de revenus	Montant
Frais de gestion des actifs	22,3 millions de dollars
Services de conseil financier	12,7 millions de dollars
Commissions de courtage	7,5 millions de dollars

Frais de transaction bancaire numérique

Revenus bancaires numériques pour 2023: 18,6 millions de dollars

• Frais de transaction bancaire en ligne: 9,2 millions de dollars
• Frais de transaction bancaire mobile: 6,4 millions de dollars
• Traitement des paiements électroniques: 3,0 millions de dollars

Offres de produits bancaires commerciaux

Revenus de produits bancaires commerciaux pour 2023: 55,3 millions de dollars

Catégorie de produits	Revenu
Prêts commerciaux	28,7 millions de dollars
Services de gestion du Trésor	16,5 millions de dollars
Services de financement commercial	10,1 millions de dollars

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.