Capital City Bank Group, Inc. (CCBG) Balance Sheet
CCBG balance sheet, 2025
December 31, 2025 · U.S. dollars$4.39B assets = $3.83B liabilities + $552.9M equity
Both columns are drawn to the same scale: what CCBG owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CCBG financial health
Descriptive bands, not a rating. Fiscal 2025.
CCBG balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.85B2016 | $4.39B2025 | +4.9%/yr | |
| Total liabilities | $2.57B2016 | $3.83B2025 | +4.5%/yr | |
| Shareholders’ equity | $275.2M2016 | $552.9M2025 | +8.1%/yr | |
| Cash & short-term investments | $571.0M2016 | $477.8M2025 | −2.0%/yr | |
| Total debt | $80.5M2016 | $93.4M2025 | +1.7%/yr | |
| Net cash (debt) | $490.5M2016 | $384.5M2025 | −$106.0M | |
| Working capital | −$1.85B2016 | $12.1M2025 | +$1.9B | |
| Book value per share | $16.132016 | $32.262025 | +8.0%/yr | |
| Debt / equity | 0.292016 | 0.172025 | −0.12 | |
| Shares outstanding | 17.1M2016 | 17.1M2025 | +0.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CCBG assets
CCBG liabilities and equity
CCBG debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CCBG balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $477.8M | $496.5M | $421.0M | $485.4M | $719.9M | $392.8M | $463.7M | $508.2M | $539.3M | $571.0M |
| Cash & equivalents | $62.2M | $70.5M | $83.1M | $72.1M | $65.3M | $67.9M | $60.1M | $62.0M | $58.4M | $48.3M |
| Short-term investments | $415.6M | $425.9M | $337.9M | $413.3M | $654.6M | $324.9M | $403.6M | $446.2M | $480.9M | $522.7M |
| Receivables | $9.8M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $431,000 | $17,000 | $808,000 | $953,000 | $2.2M | $3.9M | $10.6M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $62.2M | $496.5M | $421.0M | $485.4M | $719.9M | $392.8M | $463.7M | $508.2M | $539.3M | $571.0M |
| Property, plant & equipment (net) | $79.5M | $82.0M | $81.3M | $82.1M | $83.4M | $86.8M | $84.5M | $87.2M | $91.7M | $95.5M |
| Goodwill & intangible assets | $89.1M | $92.8M | $94.1M | $93.1M | $94.7M | $178.2M | $169.6M | $169.6M | $169.6M | $169.6M |
| Long-term investments | $1.02B | $972.9M | $966.4M | $2.56B | $1.96B | $2.10B | $1.83B | $1.77B | $1.65B | $1.56B |
| Other non-current assets | $3.13B | $2.68B | $2.74B | $1.30B | $1.40B | $1.04B | $539.6M | $427.3M | $453.5M | $450.4M |
| Total assets | $4.39B | $4.32B | $4.30B | $4.52B | $4.26B | $3.80B | $3.09B | $2.96B | $2.90B | $2.85B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $3.94B | $3.71B | $3.22B | $2.65B | $2.53B | $2.47B | $2.41B |
| Short-term debt | $50.1M | $28.3M | $35.3M | $56.8M | $34.6M | $79.7M | $6.4M | $13.5M | $7.5M | $12.7M |
| Total current liabilities | $50.1M | $3.70B | $3.74B | $4.00B | $3.75B | $3.30B | $2.65B | $2.55B | $2.48B | $2.43B |
| Long-term debt | $43.3M | $53.7M | $53.2M | $53.4M | $53.8M | $55.9M | $59.4M | $61.5M | $66.9M | $67.8M |
| Other long-term liabilities | $3.74B | $75.7M | $66.1M | $73.7M | $67.7M | $102.1M | $50.7M | $49.7M | $70.4M | $77.2M |
| Total liabilities | $3.83B | $3.83B | $3.86B | $4.12B | $3.87B | $3.46B | $2.76B | $2.66B | $2.61B | $2.57B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $171,000 | $170,000 | $170,000 | $170,000 | $169,000 | $168,000 | $168,000 | $167,000 | $170,000 | $168,000 |
| Retained earnings (deficit) | $508.4M | $463.9M | $426.3M | $387.0M | $364.8M | $332.5M | $322.9M | $300.2M | $279.4M | $267.0M |
| Treasury stock | — | — | — | — | — | — | — | — | — | $0 |
| Accumulated other comprehensive income | $2.6M | −$6.5M | −$22.1M | −$37.2M | −$16.2M | −$44.1M | −$28.2M | −$28.8M | −$32.0M | −$26.2M |
| Minority interest | — | — | — | — | — | — | — | — | — | $0 |
| Total shareholders' equity | $552.9M | $495.3M | $448.0M | $396.0M | $394.9M | $342.8M | $327.0M | $302.6M | $284.4M | $275.2M |
| Key figures | ||||||||||
| Total debt | $93.4M | $82.0M | $88.5M | $110.2M | $88.3M | $135.6M | $65.8M | $75.0M | $74.3M | $80.5M |
| Net cash (debt) | $384.5M | $414.5M | $332.5M | $375.2M | $631.6M | $257.2M | $397.9M | $433.2M | $465.0M | $490.5M |
| Working capital | $12.1M | −$3.20B | −$3.32B | −$3.51B | −$3.03B | −$2.90B | −$2.19B | −$2.04B | −$1.94B | −$1.85B |
| Tangible book value | $463.8M | $402.5M | $354.0M | $302.9M | $300.2M | $164.6M | $157.4M | $133.0M | $114.8M | $105.5M |
| Book value per share | $32.26 | $29.19 | $26.32 | $23.32 | $23.38 | $20.38 | $19.43 | $17.72 | $16.72 | $16.13 |
| Shares outstanding | 17.1M | 17.0M | 17.0M | 17.0M | 16.9M | 16.8M | 16.8M | 17.1M | 17.0M | 17.1M |
| Current ratio | 1.24 | 0.13 | 0.11 | 0.12 | 0.19 | 0.12 | 0.17 | 0.20 | 0.22 | 0.24 |
| Quick ratio | 9.73 | 0.13 | 0.11 | 0.12 | 0.19 | 0.12 | 0.17 | 0.20 | 0.22 | 0.24 |
| Debt / equity | 0.17 | 0.17 | 0.20 | 0.28 | 0.22 | 0.40 | 0.20 | 0.25 | 0.26 | 0.29 |
| Equity / assets | 12.6% | 11.5% | 10.4% | 8.8% | 9.3% | 9.0% | 10.6% | 10.2% | 9.8% | 9.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $67.1M | $454.7M | $477.8M | $500.1M | $529.6M | $543.1M | $496.5M | $419.6M | $386.2M | $304.7M | $421.0M | $406.4M |
| Cash & equivalents | $67.1M | $64.2M | $62.2M | $68.4M | $78.5M | $78.5M | $70.5M | $83.4M | $75.3M | $304.7M | $83.1M | $72.4M |
| Short-term investments | $376.8M | $390.5M | $415.6M | $431.7M | $451.2M | $464.5M | $425.9M | $336.2M | $310.9M | $327.3M | $337.9M | $334.1M |
| Receivables | $0 | $2.51B | $9.8M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1,000 | $0 | $0 |
| Total current assets | $67.1M | $454.7M | $477.8M | $500.1M | $529.6M | $543.1M | $496.5M | $419.6M | $386.2M | $304.7M | $421.0M | $406.4M |
| Property, plant & equipment (net) | $81.1M | $77.7M | $79.5M | $79.7M | $79.9M | $80.0M | $82.0M | $81.9M | $107.2M | $81.5M | $81.3M | $81.7M |
| Goodwill & intangible assets | $89.1M | $89.1M | $89.1M | $178.2M | $185.4M | $92.7M | $92.8M | $185.6M | $185.7M | $92.9M | $92.9M | $186.0M |
| Long-term investments | $1.16B | $1.16B | $1.02B | $984.1M | $999.3M | $980.7M | $972.9M | $904.6M | $896.5M | $934.2M | $966.4M | $969.7M |
| Other non-current assets | $3.05B | $2.68B | $2.72B | $2.58B | $2.60B | $2.76B | $2.68B | $2.63B | $2.65B | $2.85B | $2.74B | $2.50B |
| Total assets | $4.45B | $4.45B | $4.39B | $4.32B | $4.39B | $4.46B | $4.32B | $4.23B | $4.23B | $4.26B | $4.30B | $4.15B |
| Liabilities | ||||||||||||
| Short-term debt | $46.9M | $33.3M | $50.1M | $40.2M | $34.5M | $37.2M | $28.3M | $37.3M | $25.8M | $31.9M | $35.3M | $41.7M |
| Deferred revenue | — | $3.75B | — | — | — | — | — | — | — | — | — | — |
| Total current liabilities | $46.9M | $3.78B | $3.71B | $3.66B | $3.74B | $3.82B | $3.70B | $3.62B | $3.63B | $3.00B | $3.74B | $3.58B |
| Long-term debt | $33.9M | $34.0M | $43.3M | $43.3M | $43.3M | $53.7M | $53.7M | $53.7M | $53.9M | $53.2M | $53.2M | $53.3M |
| Other long-term liabilities | $3.80B | $74.9M | $77.2M | $84.7M | $82.7M | $73.9M | $75.7M | $72.0M | $70.0M | $747.3M | $66.1M | $75.6M |
| Total liabilities | $3.88B | $3.89B | $3.83B | $3.78B | $3.87B | $3.95B | $3.83B | $3.74B | $3.76B | $3.81B | $3.86B | $3.72B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $171,000 | $171,000 | $171,000 | $171,000 | $171,000 | $171,000 | $170,000 | $169,000 | $169,000 | $6.8M | $170,000 | $170,000 |
| Retained earnings (deficit) | $531.3M | $519.6M | $508.4M | $499.2M | $487.7M | $476.7M | $463.9M | $454.3M | $446.0M | $435.4M | $426.3M | $418.0M |
| Accumulated other comprehensive income | −$2.2M | $255,000 | $2.6M | $1.2M | −$940,000 | −$2.9M | −$6.5M | −$14.1M | −$20.7M | −$22.1M | −$22.1M | −$34.7M |
| Total shareholders' equity | $570.1M | $559.9M | $552.9M | $540.6M | $526.4M | $512.6M | $495.3M | $483.3M | $467.5M | $454.9M | $448.0M | $428.6M |
| Key figures | ||||||||||||
| Total debt | $80.8M | $67.3M | $93.4M | $83.5M | $77.8M | $90.9M | $82.0M | $90.9M | $79.7M | $85.0M | $88.5M | $94.9M |
| Net cash (debt) | −$13.7M | $387.4M | $384.5M | $416.6M | $451.8M | $452.2M | $414.5M | $328.7M | $306.6M | $219.7M | $332.5M | $311.5M |
| Working capital | $20.2M | −$3.33B | −$3.23B | −$3.16B | −$3.21B | −$3.28B | −$3.20B | −$3.20B | −$3.25B | −$2.70B | −$3.32B | −$3.18B |
| Tangible book value | $481.0M | $470.8M | $463.8M | $362.4M | $341.0M | $419.8M | $402.5M | $297.7M | $281.8M | $362.0M | $355.1M | $242.6M |
| Book value per share | $33.29 | $32.66 | $32.26 | $31.59 | $30.81 | $30.07 | $29.19 | $28.47 | $27.56 | $26.81 | $26.36 | $25.18 |
| Shares outstanding | 17.1M | 17.1M | 17.1M | 17.1M | 17.1M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M | 17.0M |
| Current ratio | 1.43 | 0.12 | 0.13 | 0.14 | 0.14 | 0.14 | 0.13 | 0.12 | 0.11 | 0.10 | 0.11 | 0.11 |
| Quick ratio | 1.43 | 0.78 | 0.13 | 0.14 | 0.14 | 0.14 | 0.13 | 0.12 | 0.11 | 0.10 | 0.11 | 0.11 |
| Debt / equity | 0.14 | 0.12 | 0.17 | 0.15 | 0.15 | 0.18 | 0.17 | 0.19 | 0.17 | 0.19 | 0.20 | 0.22 |
| Equity / assets | 12.8% | 12.6% | 12.6% | 12.5% | 12.0% | 11.5% | 11.5% | 11.4% | 11.1% | 10.7% | 10.4% | 10.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
CCBG financial position
At the end of fiscal 2025 (December 31, 2025), Capital City Bank had total assets of $4.4 billion (up 1.4% from a year earlier), total liabilities of $3.8 billion and shareholders' equity of $552.9 million. It held $477.8 million in cash and short-term investments against $93.4 million of debt, a net cash position of $384.5 million. Its current ratio was 1.24. In the latest quarter (ended June 30, 2026) total assets were $4.5 billion and equity $570.1 million.
Related: CCBG income statement, CCBG cash flow statement, CCBG key metrics. See the CCBG stock overview for the latest quote and news.
CCBG balance sheet FAQ
What are Capital City Bank's total assets?
Capital City Bank reported total assets of $4.4 billion at the end of fiscal 2025 (December 31, 2025), compared with $4.3 billion a year earlier.
How much debt does Capital City Bank have?
Capital City Bank had $93.4 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.17.
How much cash does Capital City Bank have?
Capital City Bank held $477.8 million in cash and short-term investments at the end of fiscal 2025; with $93.4 million of debt that is net cash of $384.5 million.
What is Capital City Bank's book value?
Capital City Bank's shareholders' equity (book value) was $552.9 million at the end of fiscal 2025, or $32.26 per share.
What is Capital City Bank's current ratio?
Capital City Bank had current assets of $62.2 million and current liabilities of $50.1 million, a current ratio of 1.24 (it can cover its short-term obligations).
How much goodwill does Capital City Bank have?
Capital City Bank carried $89.1 million of goodwill and intangible assets, 2.0% of total assets, at the end of fiscal 2025.