Peer Analysis


Performance Ratios (%) CCBG Peer Median Peer Average
ROAA 0.93 1.26 1.00
ROAE 8.97 9.27 8.20
Net Interest Margin 3.72 3.91 3.93
Efficiency Ratio 75.24 56.03 60.71
Loans / Deposits 68.66 91.76 93.42
Asset Quality Ratios (%)
NPAs / Assets 0.91 0.75 0.91
NCOs / Avg Loans 0.12 0.10 0.37
Reserves / Loans 0.78 0.91 1.01
Reserves / NPAs 50.90 67.53 125.40
Capital Ratios (%)
Tier 1 Capital 16.34 13.11 13.88
Tangible Equity / Tangible Assets 7.56 10.18 10.45
Total Equity / Total Assets 10.12 12.83 12.67
Market Ratios
Price / Earnings (x) 15.66 13.04 13.90
Price / Book (%) 134.61 122.67 134.22
Dividend Yield (%) 1.78 1.37 1.58
Data for trailing four quarters

Capital City Bank Group, Inc.'s peer group consists of the following: Ameris Bancorp (ABCB), Bear State Financial, Inc. (BSF), CenterState Bank Corporation (CSFL), Community Trust Bancorp, Inc. (CTBI), Fidelity Southern Corporation, First Bancorp (FBNC), HomeTrust Bancshares, Inc. (HTBI), MidSouth Bancorp, Inc. (MSL), 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 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

Community Trust Bancorp, Inc.'s financial data is as of 6/30/2019.
Bear State Financial, Inc.'s financial data is as of 12/31/2017.
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