Capital City Bank Group Inc (NASDAQ: CCBG)

Capital City Bank Group, Inc. (CCBG) is a financial holding company headquartered in Tallahassee, Florida. With approximately $4.3 billion in assets, it is one of the largest publicly traded financial holding companies based in Florida. The company operates primarily in the banking industry, providing a wide range of services including traditional deposit and credit services, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage services, and financial advisory services.

Capital City Bank Group operates through its subsidiary, Capital City Bank (CCB), which has a significant presence in the market areas of Florida, Georgia, and Alabama. CCB operates 63 banking offices and 103 ATMs/ITMs in these regions. The company's revenue is generated primarily through its banking services, with the majority coming from its Florida market areas. Its primary products and services include business banking, commercial real estate lending, residential real estate lending, consumer loans, and treasury management services.

CCBG competes in a highly competitive banking industry, with a range of banking and non-banking institutions operating in its market areas. The company believes that its ability to compete effectively is based on its relationship-style service, knowledge of the local market, and commitment to community involvement. Its primary market area consists of 21 counties in Florida, six counties in Georgia, and one county in Alabama, where it has a significant presence with a market share percentage ranging from 2.4% to 81.9% in various counties.

Capital City Bank Group has a strong commitment to diversity and inclusion, with a Chief Diversity Officer and a Diversity, Equity, and Inclusion (DE&I) Council that connects the company's diversity and inclusion initiatives with its broader business strategies. The company offers a range of benefits and programs to support its associates' well-being, including a compensation and benefits program, tuition assistance, and a 401(k) plan.

The company's brands include Capital City Bank, Capital City Trust Company, Capital City Investments, and Capital City Strategic Wealth, LLC. Capital City Bank is the primary brand and is well-known in the regions where the company operates.