Environmental, Social, and Governance


Community relations and philanthropy

Capital City Bank asks each colleague to contribute at least 10 community service hours per year at an organization they choose. As a result, we help a diverse group of charitable organizations and endeavors throughout our footprint. In 2020, approximately 750 colleagues volunteered over 13,000 hours in our communities with activities ranging from preparing meals for those in need to performing wellness visits to those isolated by the pandemic. Capital City Bank and its colleagues donated over $120,000 to United Way, and our foundation distributed another $170,000 in grants to philanthropic organizations.

Access, affordability, and financial inclusion

Underbanked individuals are at an overall economic disadvantage. In 2020, our foundation made grants totaling approximately $120,000 to CRA eligible organizations in our footprint. Additionally, we contributed $10,000 to the Equal Justice Initiative to help end the scourge of racial inequality.

Homeownership has been a traditional avenue to building wealth for the middle class. Capital City Bank Mortgage is committed to providing educational outreach and equal access to funding to underbanked communities and those affected by systemic racism. We’re a long-time financial supporter of Habitat for Humanity, and our colleagues provide volunteer hours on home builds. In late 2020, we partnered with Habitat for Humanity, Warrick Dunn Charities to build and furnish a home in early 2021.

During tax season, we provide locations for community residents to access Volunteer Income Tax Assistance (VITA) services. VITA is a nationwide IRS program that offers free tax preparation assistance to people who generally make $54,000 or less, persons with disabilities, the elderly, and limited English speaking taxpayers who need assistance in preparing their own tax returns.

Small Business Lending

The global pandemic exposed the challenges of small business, and Capital City Bank is proud to be among the first to make Paycheck Protection Program (PPP) loans available, originating over 2,200 loans totaling more than $193 million. In early 2021, we again chose to participate in PPP. As of February 19, 2021, we have originated 732 loans totaling $52 million. During the pandemic, our company financially supported locally owned businesses by evaluating individual loans and adjusting terms to help businesses survive.