Capital City Bank Group, Inc. (CCBG): Marketing Mix Analysis [Dec-2025 Updated]

You're trying to get a clear picture of how Capital City Bank Group, Inc. (CCBG) is navigating the late 2025 financial landscape, and after two decades analyzing regional players, I can tell you their strategy boils down to disciplined efficiency. Honestly, the real story isn't just their physical footprint of 62 to 63 offices across Florida, Georgia, and Alabama; it's their pricing power, which delivered a solid 4.34% Net Interest Margin in Q3 2025 by keeping their cost of funds exceptionally low at just 78 basis points. This focus on spread management, paired with strategic moves like divesting their insurance arm for a $0.7 million gain in Q3, defines their entire approach. Dive in below to see exactly how these financial realities shape their Product offerings, Place distribution, Promotion efforts, and overall Price structure.

Capital City Bank Group, Inc. (CCBG) - Marketing Mix: Product

You're looking at the core offerings of Capital City Bank Group, Inc. (CCBG) as of late 2025. The product element here is entirely service-based, reflecting a full-service financial institution built on a foundation established in 1895.

The fundamental product is full-service commercial and retail banking. This encompasses the traditional deposit and credit services that form the backbone of the business. As of the third quarter of 2025, Capital City Bank Group, Inc. reported total assets of approximately $4.3 billion. This core offering is delivered through a network of 62 banking offices and 107 ATMs/ITMs across Florida, Georgia, and Alabama. You saw average deposit balances decrease by $68.4 million, or 1.9%, from the second quarter of 2025 to the third quarter of 2025. Conversely, average loan balances saw a decrease of $46.4 million, or 1.7%, over the same period. It's all about managing that balance sheet, you know.

Beyond the basics, Capital City Bank Group, Inc. offers specialized non-interest income services. These are the value-adds that diversify revenue streams away from pure lending margins. The wealth management side, which includes trust services, is showing good traction; for the first nine months of 2025, wealth management fees increased by $2.2 million compared to the same period in 2024. Assets under management on the wealth management side reached about $3.2 billion in the most recent quarter, up from $2.8 billion in the second quarter of 2024. The total noninterest income for Q3 2025 was $22.3 million, a significant portion of which comes from these specialized services and fee-based activities.

Here's a quick look at how the noninterest income components contributed in the third quarter of 2025:

Mortgage banking is a key product line, offered through its entity, Capital City Home Loans, LLC. The improvement in mortgage banking revenues in Q3 2025 was driven by higher production volume and a better gain on sale margin. For the first nine months of 2025, mortgage banking revenues were up by $1.6 million year-over-year.

For the commercial side, the product suite includes commercial financing for equipment, inventory, and accounts receivable, which falls under the general credit services mentioned earlier. While specific breakout figures for these commercial financing types aren't isolated in the latest reports, they contribute to the overall loan portfolio, which averaged a decrease of $46.4 million in Q3 2025 compared to Q2 2025.

A strategic product portfolio change occurred in the third quarter of 2025: the strategic divestiture of the insurance subsidiary, Capital City Strategic Wealth. This action resulted in a reported one-time gain of $0.7 million recognized within other income for Q3 2025. That gain was a notable contributor to the $1.2 million increase in other income that quarter. Finance: draft 13-week cash view by Friday.

Capital City Bank Group, Inc. (CCBG) - Marketing Mix: Place

You're looking at how Capital City Bank Group, Inc. gets its services into the hands of its clients across its operating territory. For a regional bank, 'Place' is all about the physical footprint and the digital access points that serve its specific geographic focus.

The physical distribution network for Capital City Bank Group, Inc. is intentionally concentrated, reflecting its community-based model rather than a national sprawl. As of late 2025, the bank maintains a physical footprint spanning 62 banking offices across the states of Florida, Georgia, and Alabama. This physical network is supported by a self-service infrastructure that includes 108 ATMs/ITMs (Automated Teller Machines/Interactive Teller Machines) for client transactions outside of standard teller hours.

The core of the organization remains firmly planted in the Southeast. Capital City Bank Group, Inc. is headquartered in Tallahassee, Florida, which anchors its strong regional focus within its three-state operating area. This localized presence is a key differentiator from larger, national branch networks.

To give you a sense of scale and recent activity, here is a snapshot of the physical distribution and balance sheet context as of mid-to-late 2025:

While the brick-and-mortar locations define the regional boundary, daily banking is increasingly channeled through digital means. Digital channels are absolutely key for routine transactions and account management. You access these through the CCBMobile app and dedicated online portals. This dual-channel approach-physical for complex needs, digital for speed-is standard for a bank of this size.

The bank's strategy explicitly avoids broad national expansion, sticking to its defined market. This is a community-based model, not a national branch network. This focus means distribution strategy centers on deepening penetration within Florida, Georgia, and Alabama, rather than broad geographic dispersion. The distribution strategy prioritizes service density in its established markets.

Here are the key components defining the 'Place' strategy for Capital City Bank Group, Inc.:

• Physical footprint spans 62 banking offices across Florida, Georgia, and Alabama.
• Network includes 108 ATMs/ITMs for self-service transactions.
• Headquartered in Tallahassee, Florida, maintaining a strong regional focus.
• Digital channels via the CCBMobile app and online portals are key for daily banking.
• The bank is a community-based model, not a national branch network.

For instance, in Q2 2025, total deposits stood at $3.705 billion as of June 30, 2025, showing the volume moving through these established physical and digital channels. Finance: draft 13-week cash view by Friday.

Capital City Bank Group, Inc. (CCBG) - Marketing Mix: Promotion

Promotion for Capital City Bank Group, Inc. centers on reinforcing its deep community roots and strong internal culture, supported by targeted digital outreach. You know that for a bank with a 130-year history, public relations isn't just about press releases; it's about consistently demonstrating commitment.

Community investment is definitely central to the promotional narrative. For the 2025 grant cycle, the CCBG Foundation reinvested $208,000 into nearly 100 local charitable organizations across Florida, Georgia, and Alabama. This tangible action helps convey the message that Capital City Bank Group, which has approximately $4.3 billion in assets, is invested locally.

Public relations leverages this history and the community bank identity. This is reinforced by internal culture promotion, which is a key differentiator. In November 2025, Capital City Bank was named one of American Banker's "Best Banks to Work For" for the 13th consecutive year, placing #37 out of 90 banks nationwide. That's a solid signal to potential clients and recruits alike.

Here's a quick look at how that internal recognition stacks up:

For broader reach, digital advertising spend is a necessary component, even for a relationship-focused bank. The estimated spend was $675,000 in 2023, targeting online platforms like LinkedIn to reach specific professional audiences. Still, you have to balance that digital push with proven referral success.

Customer referral programs are a direct driver of new account acquisitions, generating $1.3 million in 2023. This word-of-mouth marketing, incentivized and structured, often carries more weight than paid advertising in the financial sector. To be fair, these direct results are what validate the investment in the overall brand perception you're building.

The promotional activities can be summarized by their impact areas:

• Foundation reinvestment in 2025: $208,000
• Nonprofits supported in 2025: Nearly 100
• Best Bank to Work For National Rank: #37
• Digital Ad Spend Estimate (2023): $675,000
• Referral-Generated Value (2023): $1.3 million

Capital City Bank Group, Inc. (CCBG) - Marketing Mix: Price

The pricing structure for Capital City Bank Group, Inc. (CCBG) reflects a clear focus on maintaining a low cost of funding, which directly impacts the net interest margin performance. This strategy prioritizes stability and spread management over aggressive consumer deposit rate competition.

Key performance indicators for the third quarter of 2025 demonstrate this pricing effectiveness:

• Net Interest Margin (NIM) was reported strong at 4.34% in Q3 2025, showing effective spread management.
• The cost of funds remained low, declining to 78 basis points in the third quarter of 2025.
• For the month of September 2025, the net interest margin reached 4.41%.
• For the first nine months of 2025, the NIM was 4.28%.

The cost side of the pricing equation is managed tightly, as evidenced by the low cost of funds. This is contrasted with consumer deposit offerings, which appear calibrated to support this low-cost base rather than compete for high-yield deposits. For instance, the outline suggests that 12-Month CDs offered an unappealing 0.45% APY as of August 2025. This aligns with the overall strategy prioritizing a low deposit cost base over high-yield consumer offerings.

Fee structures for core deposit products also contribute to the overall revenue mix and are tiered based on balance requirements, which is a common pricing mechanism in regional banking:

Other service fees reflect transactional pricing for non-core services. For example, an Overdraft Protection Transfer fee is set at $10 per daily transfer, and an Insufficient Item Fee is $35. Outgoing Domestic Wire Transfers are priced at $35.