Capital City Bank Group (CCBG) is a community bank holding company headquartered in Tallahassee, Florida. Its core banking subsidiary, Capital City Bank, was founded in 1895 and operates 62 banking offices across Florida, Georgia, and Alabama, with roughly 81% of revenue concentrated in Florida. CCBG's core business is traditional community banking — it takes in deposits and lends at higher rates, with the spread between the two (net interest income) driving most of its profitability. The loan portfolio of roughly $2.5B is heavily weighted toward real estate, which accounts for about 86% of loans, spanning commercial real estate, residential mortgages, and construction. CCBG also originates and services residential mortgages through Capital City Home Loans, which operates 28 additional offices across the Southeast; this business adds earnings variability since origination volumes are sensitive to interest rates. Noninterest income, roughly 32% of operating revenue, comes from mortgage banking, wealth management fees, and merchant services. CCBG's Wealth Management division operates through Capital City Trust Company, managing over $1.3B in discretionary assets, and Capital City Investments, which offers retail securities through LPL Financial with over $1.5B in assets under administration. CCBG holds dominant deposit market share in several smaller, rural Florida counties, complemented by a competitive presence in Tallahassee, making relationship-based community banking the defining characteristic of the franchise.