HIGHBuilt-inProduct / Revenue mix
92.8%
Banking Services
“10-K Item 1: 'Revenues from these principal services for the year ended 2025 totaled approximately 92.8% and 7.2% of our total revenue, respectively.'”
CCBG · Concentration risk · 10-K extracted
Capital City Bank (CCBG) concentration risks
Updated
The most significant concentration Capital City Bank discloses is Banking Services at 92.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Capital City Bank’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH3
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
85.7%
real estate-collateralized loans
“10-K Item 1A: 'approximately 85.7% of our loans included real estate as a primary, secondary, or tertiary component of collateral.'”
HIGHBuilt-inGeographic
81%
Florida
“10-K Item 1: 'The majority of the revenue, approximately 81%, is derived from our Florida market areas'”
MEDIUMBuilt-inLoan_portfolio
30.2%
commercial mortgage loans
“10-K Item 1A: 'At December 31, 2025, commercial mortgage loans comprised approximately 30.2% of our total loan portfolio.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Capital City Bank Group's business is concentrated across several reinforcing structural dimensions. Banking services generated approximately 92.8% of total revenue, and within the loan book, real estate served as a primary, secondary, or tertiary collateral component for approximately 85.7% of loans. Geographically, the majority of revenue — approximately 81% — is derived from Florida market areas, meaning the bank's core business, its collateral base, and its revenue geography are all concentrated together rather than independently diversified. Within the loan book, commercial mortgage loans comprised approximately 30.2% of the total portfolio, a more moderate structural concentration. None of these exposures reflects dependence on a specific counterparty; all are structural features of a community bank whose business model, collateral, and geography point toward the same regional real estate and banking-services base. The practical implication is that Florida-specific real estate and economic conditions are the dominant variable here — a downturn in Florida property values or the regional economy would simultaneously pressure the bank's revenue base and its loan collateral, rather than these being separate, independent risks.
For the engine’s reasoning on CCBG’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| CCBG● | Capital City Bank Group | 3 | 1 | 0 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.