Better Health for All

The company's core banking and financial services are generally health-neutral. However, approximately 3.51% of its 2024 revenue ($9.5 million out of $270.6 million) came from net consumer overdraft transaction fees, which can have negative financial and mental health impacts.

The company offers health, dental, vision, life, and disability insurance, as well as a voluntary wellness program (StarFit) to its associates. Through its Capital City Bank Group Foundation, the company made grants totaling $208,000 in 2025 and $191,500 in 2024 to nearly 100 and over 120 local charitable organizations, respectively, with funds distributed to health/sciences and human services. The company supports financial literacy and provides Volunteer Income Tax Assistance (VITA) services for low-income individuals. It is committed to educational outreach for homeownership and financial access for minorities and supports organizations like Habitat for Humanity. The company has implemented environmental stewardship efforts, including converting exterior lighting to LED at 58 offices and investing $23.1 million in solar energy projects from 2022-2024, projected to reduce greenhouse gas emissions by approximately 21,350 metric tons per year. The company is subject to government regulation and oversight regarding data and privacy protection.

Fair Money & Economic Opportunity

The company's inclusion initiatives include originating 3,508 Paycheck Protection Program (PPP) loans totaling over $263 million.

With average loans of $2.71 billion in 2023, this represents approximately 9.7% of the loan book. The company provides free access to its annual reports, quarterly reports, and other SEC filings on its website. For fair lending, the company received a satisfactory rating on its most recent Community Reinvestment Act (CRA) assessment and conducts regular reviews of its lending policies and underwriting standards. In terms of profit reinvestment, the CCBG Foundation donated approximately $0.3 million in 2024, while the company's 2024 earnings were $53 million, indicating a reinvestment of about 0.57% of earnings. Financial literacy efforts include ongoing focus and grants to CRA-eligible organizations, as well as providing locations for Volunteer Income Tax Assistance (VITA) services for individuals making $60,000 or less. The company's policy establishes maximum debt-to-income ratios for consumer loans and debt service coverage ratio limits for commercial loans. For geographic inclusion, the company operates 62 banking offices and 104 ATMs/ITMs across 21 counties in Florida, six in Georgia, and one in Alabama, with an additional 27 mortgage offices in the Southeast.

Honest & Fair Business

Capital City Bank Group (CCBG) has a formal whistleblower policy, approved on February 26, 2025, which encourages reporting to supervisors or via a contracted vendor (NAVEX Global) and includes protection against retaliation.

However, there is no evidence of independent investigation processes. The company restated its 2022 and 2021 financial statements due to material noncompliance with financial reporting requirements, which averages to less than one restatement per year over the past five years. A majority of the board of directors are independent. The company has adopted Codes of Conduct and Ethics, but no details on their strength or enforcement are provided. Independent auditors (FORVIS, LLP) are appointed and expected to be ratified.

No War, No Weapons

Capital City Bank Group (CCBG.US) is a financial holding company providing banking services. Its 2023 Form 10-K explicitly states that its business activities are not applicable to arms or defense contracts, dual-use technology, sales to embargoed regimes, conflict divestment policies, board oversight of defense, export end-user certificates, defense-related lobbying, humanitarian procurement, human rights due diligence in conflict areas, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use item screening, surveillance, ethical red lines for weapons, exposure to controversial weapons, war-risk audits, conflict partner reviews, defense divestment, conflict minerals, peace technology investment, or procurement from conflict zones.

While the company engages in community reinvestment grants and general community service, these are not specified as peacebuilding or disarmament initiatives.

Planet-Friendly Business

The provided articles discuss Capital City Bank Group's investment strategy in renewable energy projects (SOLCAP), with investments totaling $9.1 million in 2024-1.

These projects are reported to produce 31,778,716 kWh of clean power and reduce greenhouse gas emissions by 21,350 metric tons CO₂e annually. However, the articles explicitly state that this data pertains to the investment projects and does not reflect the company's own operational environmental performance. No specific, quantifiable data is available for Capital City Bank Group's direct operational emissions, renewable energy use, water consumption, waste generation, or other relevant environmental metrics.

Respect for Cultures & Communities

Capital City Bank Group partnered with Habitat for Humanity and Warrick Dunn Charities, totaling 2 formal partnerships during 2020-2023.

The company's matching gift program matches employee donations to Arts and cultural organizations. The CCBG Foundation provided grants to organizations such as the Tallahassee Youth Orchestra, with arts/culture being an area of focus. The Foundation distributed $208,000 in its 2025 grant cycle and $191,500 in its 2024 grant cycle to nearly 100-120 local charitable organizations. In 2024, $167,000 in grants were given to Community Reinvestment Act eligible organizations. The company provides locations for Volunteer Income Tax Assistance (VITA) services, which serves limited English-speaking taxpayers.

Zero Waste & Sustainable Products

The company has implemented several waste reduction initiatives, including company-wide recycling programs, efforts to reduce reliance on disposable products, and distributing proxy materials online.

Its office model design has been reduced from an average of 5,500 square feet to 3,300 square feet, and exterior lighting has been converted to LED at 64 offices. The company also invests in tools for remote work to reduce environmental impact.