Capital City Bank Group (FRA:BK3) Effective Interest Rate on Debt % : 44.38% (As of Mar. 2025)

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What is Capital City Bank Group Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Capital City Bank Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was €30.5 Mil. Capital City Bank Group's average total debt for the quarter that ended in Mar. 2025 was €68.7 Mil. Therefore, Capital City Bank Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 44.38%.

Capital City Bank Group Effective Interest Rate on Debt % Historical Data

The historical data trend for Capital City Bank Group's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Capital City Bank Group Effective Interest Rate on Debt % Chart

Capital City Bank Group Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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4.69

3.26

7.39

26.25

62.19

Capital City Bank Group Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															46.25	46.36	42.14	48.83	44.38

Competitive Comparison of Capital City Bank Group's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Capital City Bank Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Capital City Bank Group's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Capital City Bank Group's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Capital City Bank Group's Effective Interest Rate on Debt % falls into.

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Capital City Bank Group Effective Interest Rate on Debt % Calculation

Capital City Bank Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -34.112	/	( (56.474	+	53.236)	/ 2 )
=	-1 * -34.112	/	54.855
=	62.19 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	48.786	+	7.688
=	56.474

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	51.265	+	1.971
=	53.236

Capital City Bank Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -30.468	/	( (53.236	+	84.065)	/ 2 )
=	-1 * -30.468	/	68.6505
=	44.38 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	51.265	+	1.971
=	53.236

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	49.655	+	34.41
=	84.065

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Capital City Bank Group (FRA:BK3) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Capital City Bank Group Effective Interest Rate on Debt % Related Terms

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Capital City Bank Group Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Capital City Bank Group Inc (FRA:BK3) » Definitions » Effective Interest Rate on Debt %

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CCBG:USA

Address

217 North Monroe Street, Tallahassee, FL, USA, 32301

Website

https://www.ccbg.com

Capital City Bank Group Inc is a United States-based group engaged in Banking services, Trust and asset management services, and Brokerage services. The company operates in one segment with two principal services: Banking Services and Wealth Management Services. It offers retail and commercial banking business in the form of traditional deposit and credit services, asset management, trust, mortgage banking, merchant services, bank cards, data processing, and securities brokerage services among others through its banking offices in Florida, Georgia, and Alabama.

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