Capital City Bank Group (CCBG) - Net Assets
Based on the latest financial reports, Capital City Bank Group (CCBG) has net assets worth $552.85 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.39 Billion) and total liabilities ($3.83 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Capital City Bank Group to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $552.85 Million |
| % of Total Assets | 12.61% |
| Annual Growth Rate | 6.78% |
| 5-Year Change | 39.99% |
| 10-Year Change | 100.91% |
| Growth Volatility | 8.66 |
Capital City Bank Group - Net Assets Trend (1994–2025)
This chart illustrates how Capital City Bank Group's net assets have evolved over time, based on quarterly financial data. Also explore total assets of Capital City Bank Group for the complete picture of this company's asset base.
Annual Net Assets for Capital City Bank Group (1994–2025)
The table below shows the annual net assets of Capital City Bank Group from 1994 to 2025. For live valuation and market cap data, see market value of Capital City Bank Group.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $552.85 Million | +11.62% |
| 2024-12-31 | $495.32 Million | +10.55% |
| 2023-12-31 | $448.03 Million | +13.13% |
| 2022-12-31 | $396.04 Million | +0.28% |
| 2021-12-31 | $394.92 Million | +15.19% |
| 2020-12-31 | $342.84 Million | +4.84% |
| 2019-12-31 | $327.02 Million | +8.07% |
| 2018-12-31 | $302.59 Million | +6.39% |
| 2017-12-31 | $284.43 Million | +3.36% |
| 2016-12-31 | $275.17 Million | +0.30% |
| 2015-12-31 | $274.35 Million | +0.66% |
| 2014-12-31 | $272.54 Million | -1.40% |
| 2013-12-31 | $276.40 Million | +11.95% |
| 2012-12-31 | $246.89 Million | -2.01% |
| 2011-12-31 | $251.94 Million | -2.73% |
| 2010-12-31 | $259.02 Million | -3.31% |
| 2009-12-31 | $267.90 Million | -3.92% |
| 2008-12-31 | $278.83 Million | -4.73% |
| 2007-12-31 | $292.68 Million | -7.31% |
| 2006-12-31 | $315.77 Million | +3.27% |
| 2005-12-31 | $305.78 Million | +19.07% |
| 2004-12-31 | $256.80 Million | +26.62% |
| 2003-12-31 | $202.81 Million | +8.73% |
| 2002-12-31 | $186.53 Million | +8.59% |
| 2001-12-31 | $171.78 Million | +16.38% |
| 2000-12-31 | $147.61 Million | +11.64% |
| 1999-12-31 | $132.22 Million | +2.57% |
| 1998-12-31 | $128.90 Million | +28.26% |
| 1997-12-31 | $100.50 Million | +12.29% |
| 1996-12-31 | $89.50 Million | +10.28% |
| 1995-12-31 | $81.16 Million | +12.10% |
| 1994-12-31 | $72.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Capital City Bank Group's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 587.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $508.44 Million | 91.97% |
| Common Stock | $171.00K | 0.03% |
| Other Comprehensive Income | $2.59 Million | 0.47% |
| Other Components | $41.65 Million | 7.53% |
| Total Equity | $552.85 Million | 100.00% |
Capital City Bank Group Competitors by Market Cap
The table below lists competitors of Capital City Bank Group ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Liberty Financial Group
AU:LFG
|
$726.08 Million |
|
Energisa Mato Grosso - Distribuidora de Energia S/A
SA:ENMT3
|
$726.20 Million |
|
Hanwha REIT Co. Ltd.
KO:451800
|
$726.62 Million |
|
Jiangsu Jiangnan Water Co Ltd
SHG:601199
|
$726.68 Million |
|
Yunnan Tourism Co Ltd
SHE:002059
|
$725.94 Million |
|
Vitesse Energy Inc
NYSE:VTS
|
$725.90 Million |
|
Astra Otoparts Tbk
JK:AUTO
|
$725.81 Million |
|
BAE Systems plc
LSE:BA
|
$725.80 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Capital City Bank Group's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 495,317,000 to 552,851,000, a change of 57,534,000 (11.6%).
- Net income of 61,557,000 contributed positively to equity growth.
- Dividend payments of 17,063,000 reduced retained earnings.
- Other comprehensive income increased equity by 9,073,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $61.56 Million | +11.13% |
| Dividends Paid | $17.06 Million | -3.09% |
| Other Comprehensive Income | $9.07 Million | +1.64% |
| Other Changes | $3.97 Million | +0.72% |
| Total Change | $- | 11.62% |
Book Value vs Market Value Analysis
This analysis compares Capital City Bank Group's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.44x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 8.59x to 1.44x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $5.42 | $46.57 | x |
| 1995-12-31 | $6.07 | $46.57 | x |
| 1996-12-31 | $6.61 | $46.57 | x |
| 1997-12-31 | $7.33 | $46.57 | x |
| 1998-12-31 | $8.11 | $46.57 | x |
| 1999-12-31 | $8.30 | $46.57 | x |
| 2000-12-31 | $9.25 | $46.57 | x |
| 2001-12-31 | $10.34 | $46.57 | x |
| 2002-12-31 | $8.99 | $46.57 | x |
| 2003-12-31 | $12.24 | $46.57 | x |
| 2004-12-31 | $12.22 | $46.57 | x |
| 2005-12-31 | $16.73 | $46.57 | x |
| 2006-12-31 | $16.97 | $46.57 | x |
| 2007-12-31 | $16.34 | $46.57 | x |
| 2008-12-31 | $16.26 | $46.57 | x |
| 2009-12-31 | $15.72 | $46.57 | x |
| 2010-12-31 | $15.17 | $46.57 | x |
| 2011-12-31 | $14.70 | $46.57 | x |
| 2012-12-31 | $14.34 | $46.57 | x |
| 2013-12-31 | $15.89 | $46.57 | x |
| 2014-12-31 | $15.58 | $46.57 | x |
| 2015-12-31 | $15.84 | $46.57 | x |
| 2016-12-31 | $16.13 | $46.57 | x |
| 2017-12-31 | $16.72 | $46.57 | x |
| 2018-12-31 | $17.72 | $46.57 | x |
| 2019-12-31 | $19.43 | $46.57 | x |
| 2020-12-31 | $20.38 | $46.57 | x |
| 2021-12-31 | $23.38 | $46.57 | x |
| 2022-12-31 | $23.32 | $46.57 | x |
| 2023-12-31 | $26.32 | $46.57 | x |
| 2024-12-31 | $29.19 | $46.57 | x |
| 2025-12-31 | $32.26 | $46.57 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Capital City Bank Group utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.13%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.04%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.93x
- Recent ROE (11.13%) is above the historical average (8.25%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 12.19% | 30.66% | 0.04x | 10.26x | $1.58 Million |
| 1995 | 11.73% | 28.05% | 0.04x | 10.03x | $1.41 Million |
| 1996 | 12.74% | 13.82% | 0.08x | 11.41x | $2.45 Million |
| 1997 | 14.33% | 13.78% | 0.10x | 10.05x | $4.35 Million |
| 1998 | 11.87% | 13.71% | 0.08x | 11.20x | $2.41 Million |
| 1999 | 11.57% | 12.11% | 0.09x | 10.82x | $2.08 Million |
| 2000 | 12.30% | 13.34% | 0.09x | 10.35x | $3.39 Million |
| 2001 | 9.82% | 11.17% | 0.08x | 10.60x | $-312.30K |
| 2002 | 12.37% | 16.46% | 0.08x | 9.78x | $4.43 Million |
| 2003 | 12.42% | 18.42% | 0.07x | 9.10x | $4.91 Million |
| 2004 | 11.44% | 19.31% | 0.06x | 9.21x | $3.69 Million |
| 2005 | 9.90% | 16.00% | 0.07x | 8.59x | $-296.60K |
| 2006 | 10.53% | 15.02% | 0.09x | 8.23x | $1.69 Million |
| 2007 | 10.14% | 13.21% | 0.09x | 8.94x | $415.50K |
| 2008 | 5.46% | 7.48% | 0.08x | 8.93x | $-12.66 Million |
| 2009 | -1.30% | -1.93% | 0.07x | 10.11x | $-30.26 Million |
| 2010 | -0.16% | -0.25% | 0.06x | 10.12x | $-26.31 Million |
| 2011 | 1.94% | 3.17% | 0.06x | 10.48x | $-20.30 Million |
| 2012 | 0.04% | 0.08% | 0.05x | 10.67x | $-24.58 Million |
| 2013 | 2.19% | 4.58% | 0.05x | 9.45x | $-21.59 Million |
| 2014 | 3.40% | 7.43% | 0.05x | 9.64x | $-17.99 Million |
| 2015 | 3.32% | 6.82% | 0.05x | 10.20x | $-18.32 Million |
| 2016 | 4.27% | 9.15% | 0.05x | 10.34x | $-15.77 Million |
| 2017 | 3.82% | 8.20% | 0.05x | 10.19x | $-17.58 Million |
| 2018 | 8.67% | 18.09% | 0.05x | 9.78x | $-4.03 Million |
| 2019 | 9.42% | 19.24% | 0.05x | 9.45x | $-1.89 Million |
| 2020 | 9.21% | 14.93% | 0.06x | 11.08x | $-2.71 Million |
| 2021 | 8.46% | 16.11% | 0.05x | 10.80x | $-6.10 Million |
| 2022 | 8.44% | 16.66% | 0.04x | 11.41x | $-6.19 Million |
| 2023 | 11.66% | 21.27% | 0.06x | 9.61x | $7.45 Million |
| 2024 | 10.68% | 20.18% | 0.06x | 8.73x | $3.38 Million |
| 2025 | 11.13% | 22.04% | 0.06x | 7.93x | $6.27 Million |
Industry Comparison
This section compares Capital City Bank Group's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Capital City Bank Group (CCBG) | $552.85 Million | 12.19% | 6.93x | $726.06 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Capital City Bank Group
Capital City Bank Group, Inc. operates as the financial holding company for Capital City Bank that provides a range of banking services to individual and corporate clients. The company offers financing for commercial business properties, equipment, inventories, and accounts receivable, as well as commercial leasing and letters of credit; treasury management services; and merchant credit card tran… Read more