Institutional Banking Services


Institutional and Public Finance Banking at Capital City Bank

At Capital City Bank, we understand the unique challenges and responsibilities that come with being stewards of public funds. For over 130 years, Capital City Bank has developed deep roots and relationships within the communities we serve. We understand the tremendous value that our local governments provide to the communities that surround them. Our Government Banking team is uniquely positioned with industry expertise, personalized service and local decision making to help municipalities and public entities achieve their financial goals with confidence.
 

Local Decision-Making You Can Count On
Our commitment to community banking means our local governments can benefit from local leadership and quick, responsive decision-making. We know the importance of timing, compliance and accountability in the public sector, and we’re here to help you navigate it all efficiently.

Trusted Expertise in the Public Sector
Our Government Banking professionals are seasoned experts in public finance, regulatory requirements and fund management. We serve a wide range of clients, including counties, municipalities, special districts, utilities and school boards, providing solutions that align with statutory requirements and fiscal priorities.

Customizable Solutions
Our clients are as unique as the communities that they serve. We understand that a “One Size Fits All” approach, rarely leads to a good fit. Our team works hand-in-hand with yours to structure solutions that meet your short-term cash flow needs and long-term capital plans. That’s why we offer custom-tailored financing options, including:

Tax Anticipation Notes (TANs)
Bridge the Gap with Confidence

  • Why? Because your community depends on uninterrupted public services, such as schools, sanitation, safety and infrastructure, even when tax revenues haven’t arrived yet.
  • How? Tax Anticipation Notes (TANs) bridge the gap between when expenses occur and when tax revenues are collected, giving local governments the financial flexibility they need.
  • What? TANs are short-term cost-effective financing tools that empower local governments to stay fully operational, maintain momentum and serve their communities without delay.



































Comprehensive Banking Services

Whether you're looking to streamline daily operations or enhance security, Capital City Bank maintains a full suite of Treasury Management and Banking Services. The Capital City Bank difference lies in how we partner with our clients to improve efficiency within their financial operation through:

Liquidity Optimization – Maximize interest earnings by leveraging your liquidity and improving your ability to forecast your cash needs.

  • Checking accounts
  • Zero balance and sweep accounts
  • Money market
  • Certificates of deposit
  • Investment services
Accounts Payable Strategies – Find opportunities for savings and increased efficiency by streamlining your procurement and payment processes.

  • Electronic payments
  • Purchase cards
Accounts Receivable Solutions – Gain control over where, when and how you get paid.

  • Remote deposit / Lockbox / Image cash letter solutions
  • ACH collections
  • Merchant services / Credit card processing
  • Streamlined cash deposits
Risk Mitigation – You are only as secure as the controls you employ, so use the best options available to you.

  • Full suite of fraud solutions
  • Highly customizable online user roles, responsibilities and audit functions.
 



































Construction and Infrastructure Bonds

Buildings rich in history are also rich in opportunities.

  • Why? Strong communities are built on reliable infrastructure, from roads and utilities to public buildings. Local governments need the resources to invest in long-term improvements that matter.
  • How? Capital Improvement Loans are designed specifically for local governments, providing flexible and affordable funding to support essential infrastructure and development projects.
  • What? Capital Improvement Loans deliver the financial strength needed to fund projects that enhance your community’s future, including construction, renovation, modernization and expansion, all without compromising today's budget.

 




































General Obligation Lines of Credit
Unexpected expense have your budget in a jam?

  • Why? When unexpected needs and opportunities arise, your community depends on you to respond quickly without disrupting essential services or long-term plans.
  • How? General Obligation Lines of Credit provide flexible, on-demand financing backed by your community's credit strength to cover short-term expenses or urgent projects.
  • What? General Obligation Lines of Credit give you immediate access to funds when you need them most, whether for emergency repairs, seasonal cash flow gaps, or unexpected operating costs, ensuring your community remains strong and resilient.



































Equipment Financing 

For those times when "replace" is a better financial strategy than "maintain, there's Equipment Financing.

  • Why? Delivering essential services requires the right tools, available to serve at the right time. Your community depends on you to stay equipped, efficient and ready to respond.
  • How? Local Government Equipment Lending is tailored to your unique needs by offering affordable, flexible financing to help acquire vehicles, machinery and technology needed to serve your citizens effectively.
  • What? Local Government Equipment Loans empower you to invest in critical assets, from fire trucks and police vehicles to utility equipment and IT systems, allowing you to keep operations and services running smoothly and your community moving forward.



































Partner With Capital City Bank

"More than your bank. Your banker," isn't just our service philosophy; it reflects who we are. We’re also your neighbor and partner in public service. Let Capital City Bank help you strengthen your financial foundation so you can stay focused on what matters most: serving your community.