Peer Analysis


Performance Ratios (%) CCBG Peer Median Peer Average
ROAA 1.28 1.21 0.84
ROAE 12.18 8.83 6.84
Net Interest Margin 3.53 3.71 3.72
Efficiency Ratio 70.04 54.21 60.65
Loans / Deposits 66.40 92.32 90.27
Asset Quality Ratios (%)
NPAs / Assets 0.60 0.76 0.88
NCOs / Avg Loans 0.11 0.10 0.37
Reserves / Loans 1.09 1.34 1.44
Reserves / NPAs 107.99 115.88 147.34
Capital Ratios (%)
Tier 1 Capital 16.77 12.61 13.87
Tangible Equity / Tangible Assets 7.65 9.64 10.09
Total Equity / Total Assets 9.94 12.84 12.25
Market Ratios
Price / Earnings (x) 12.76 12.31 13.38
Price / Book (%) 121.58 98.06 119.21
Dividend Yield (%) 2.27 2.17 2.19
Data for trailing four quarters

Capital City Bank Group, Inc.'s peer group consists of the following: Ameris Bancorp (ABCB), Bear State Financial, Inc., CenterState Bank Corporation, Community Trust Bancorp, Inc. (CTBI), Fidelity Southern Corporation, First Bancorp (FBNC), HomeTrust Bancshares, Inc. (HTBI), MidSouth Bancorp, Inc., Republic Bancorp, Inc. (RBCA.A), Seacoast Banking Corporation of Florida (SBCF), Stock Yards Bancorp, Inc. (SYBT)

Capital City Bank Group, Inc.'s financial data is as of 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

MidSouth Bancorp, Inc.'s financial data is as of 6/30/2019.
Fidelity Southern Corporation's financial data is as of 3/31/2019.
Bear State Financial, Inc.'s financial data is as of 12/31/2017.
CenterState Bank Corporation's financial data is as of 3/31/2020.
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