Capital City Bank (CCBG) 10-K 1 Mar 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2020	Feb. 25, 2021	Jun. 30, 2020
Document And Entity Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2020
Document Transition Report	false
Commission file number	0-13358
Entity Registrant Name	Capital City Bank Group, Inc.
Entity's state or country of incorporation	FL
Employer Identification Number	59-2273542
Entity Address Address Line1	217 North Monroe Street
Entity Address City Or Town	Tallahassee
Entity Address State Or Province	FL
Entity Address Postal Zip Code	32301
City area code	850
Local phone number	402-7821
Title of 12(b) Security	Common Stock, $0.01 par value
Trading Symbol	CCBG
Name of the Exchange	NASDAQ
Entity a Well-known Seasoned Issuer	No
Entity's Reporting Status Current	Yes
Entity Interactive Data Current	Yes
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 277,245,803
Entity Common Stock, Shares Outstanding		16,840,267
Documents incorporated by reference	DOCUMENTS INCORPORATED BY REFERENCE Portions of our Proxy Statement for the Annual Meeting of Shareowners to be held on April 27, 2021, are incorporated by reference in Part III.
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2020
Amendment Flag	false
Entity a Voluntary Filer	No
Entity Central Index Key	0000726601
Icfr Auditor Attestation Flag	true

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and Due From Banks	$ 67,919	$ 60,087
Federal Funds Sold and Interest Bearing Deposits	860,630	318,336
Total Cash and Cash Equivalents	928,549	378,423
Investment Securities, Available for Sale, at fair value	324,870	403,601
Investment Securities, Held to Maturity, (fair value of $175,175 and $241,429 and $214,413)	169,939	239,539
Total Investment Securities	494,809	643,140
Loans Held For Sale, at fair value	114,039	9,509
Loans Held for Investment	2,006,426	1,835,929
Allowance for Credit Losses	(23,816)	(13,905)
Loans Held for Investment, Net	1,982,610	1,822,024
Premises and Equipment, Net	86,791	84,543
Goodwill	89,095	84,811
Other Real Estate Owned	808	953
Other Assets	101,370	65,550
Total Assets	3,798,071	3,088,953
Deposits:
Noninterest Bearing Deposits	1,328,809	1,044,699
Interest Bearing Deposits	1,888,751	1,600,755
Total Deposits	3,217,560	2,645,454
Short-Term Borrowings	79,654	6,404
Subordinated Notes Payable	52,887	52,887
Other Long-Term Borrowings	3,057	6,514
Other Liabilities	102,076	50,678
Total Liabilities	3,455,234	2,761,937
Temporary Equity	22,000	0
SHAREOWNERS' EQUITY
Preferred Stock, $.01 par value; 3,000,000 shares authorized; no shares issued and outstanding
Common Stock, $.01 par value; 90,000,000 shares authorized;16,790,573 and 16,771,544 shares issued and outstanding at December 31, 2020 and December 31, 2019, respectively	168	168
Additional Paid-In Capital	32,283	32,092
Retained Earnings	332,528	322,937
Accumulated Other Comprehensive Loss, Net of Tax	(44,142)	(28,181)
Total Shareowners' Equity	320,837	327,016
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 3,798,071	$ 3,088,953

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Investment securities, held to maturity, fair value	$ 175,175	$ 241,429
Preferred Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred Stock, authorized	3,000,000	3,000,000
Preferred Stock, outstanding	0	0
Preferred Stock, issued	0	0
Common Stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, authorized	90,000,000	90,000,000
Common Stock, issued	16,790,573	16,771,544
Common Stock, outstanding	16,790,573	16,771,544

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INTEREST INCOME
Loans, including Fees	$ 94,752	$ 94,215	$ 84,117
Investment Securities:
Taxable	10,176	13,122	12,081
Tax Exempt	98	312	787
Funds Sold	1,171	5,187	2,410
Total Interest Income	106,197	112,836	99,395
INTEREST EXPENSE
Deposits	1,548	6,840	4,243
Short-Term Borrowings	1,690	109	110
Subordinated Notes Payable	1,472	2,287	2,167
Other Long-Term Borrowings	161	257	371
Total Interest Expense	4,871	9,493	6,891
NET INTEREST INCOME	101,326	103,343	92,504
Provision for Credit Losses	9,645	2,027	2,921
Net Interest Income After Provision for Credit Losses	91,681	101,316	89,583
NONINTEREST INCOME
Other	5,942	5,786	6,648
Total Noninterest Income	111,165	53,053	51,565
NONINTEREST EXPENSE
Compensation	96,280	66,352	63,921
Occupancy, Net	22,659	18,436	18,503
Other Real Estate Owned, Net	104	546	(442)
Other	30,919	28,275	29,521
Total Noninterest Expense	149,962	113,609	111,503
INCOME BEFORE INCOME TAXES	52,884	40,760	29,645
Income Tax Expense	10,230	9,953	3,421
NET INCOME	42,654	30,807	26,224
Pre-Tax Income Attributable to Noncontrolling Interests	(11,078)	0	0
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 31,576	$ 30,807	$ 26,224
BASIC NET INCOME PER SHARE (in dollars per share)	$ 1.88	$ 1.84	$ 1.54
DILUTED NET INCOME PER SHARE (in dollars per share)	$ 1.88	$ 1.83	$ 1.54
Average Basic Common Shares Outstanding (in shares)	16,785	16,770	17,029
Average Diluted Common Shares Outstanding (in shares)	16,822	16,827	17,072
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 17,800	$ 19,472	$ 20,093
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	13,044	11,994	11,378
Wealth managment fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	11,035	10,480	8,711
Mortgage Banking Revenues [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 63,344	$ 5,321	$ 4,735

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Statement [Abstract]
NET INCOME	$ 31,576	$ 30,807	$ 26,224
Investment Securities:
Change in net unrealized gain/loss on securities available for sale	2,437	3,790	(409)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity before tax	36	43	55
Total Investment Securities	2,473	3,833	(354)
Change in net unrealized gain (loss) on effective cash flow derivative	574	0	0
Benefit Plans:
Reclassification adjustment for amortization of prior service cost	(880)	15	199
Reclassification adjustment for amortization of net loss	4,391	4,623	5,299
Current year actuarial (loss) gain	(27,924)	(7,642)	(815)
Total Benefit Plans	(24,413)	(3,004)	4,683
Other comprehensive (loss) income, before tax:	(21,366)	829	4,329
Deferred tax benefit (expense) related to other comprehensive income	5,405	(195)	(1,100)
Other comprehensive (loss) income, net of tax	(15,961)	634	3,229
TOTAL COMPREHENSIVE INCOME (LOSS)	$ 15,615	$ 31,441	$ 29,453

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY - USD ($) $ in Thousands		Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]
Balance beginning at Dec. 31, 2017		$ 284,210	$ 170	$ 36,674	$ 279,410	$ (32,044)
Balance beginning (in shares) at Dec. 31, 2017		16,988,951
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		$ 26,224	0	0	26,224	0
Other Comprehensive (Income) Loss, Net of Tax		3,229	0	0	0	3,229
Cash Dividends $0.57,$0.48, $0.32, per share for years 2020, 2019 and 2018 respectively		(5,457)	0	0	(5,457)	0
Stock Based Compensation		1,421	0	1,421	0	0
Stock Compensation Plan Transactions, net		$ 990	$ 0	990	0	0
Stock Compensation Plan Transactions, net (in shares)		83,061	83,061
Repurchase of Common Stock		$ (8,030)	$ (3)	(8,027)	0	0
Repurchase of Common Stock (in shares)		(324,441)	(324,441)
Balance ending at Dec. 31, 2018		$ 302,587	$ 167	31,058	300,177	(28,815)
Balance ending (in shares) at Dec. 31, 2018		16,747,571
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		$ 30,807	0	0	30,807	0
Other Comprehensive (Income) Loss, Net of Tax		634	0	0	0	634
Cash Dividends $0.57,$0.48, $0.32, per share for years 2020, 2019 and 2018 respectively		(8,047)	0	0	(8,047)	0
Stock Based Compensation		1,569	0	1,569	0	0
Stock Compensation Plan Transactions, net		$ 1,271	$ 1	1,270	0	0
Stock Compensation Plan Transactions, net (in shares)		100,973	100,973
Repurchase of Common Stock		$ (1,805)	$ 0	(1,805)	0	0
Repurchase of Common Stock (in shares)		(77,000)	(77,000)
Balance ending at Dec. 31, 2019		$ 327,016	$ 168	32,092	322,937	(28,181)
Balance ending (Adoption of ASC 326 [Member]) at Dec. 31, 2019		$ (3,095)	$ 0	0	(3,095)	0
Balance ending (in shares) at Dec. 31, 2019		16,771,544	16,771,544
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income		$ 31,576	$ 0	0	31,576	0
Reclassification to Temporary Equity	[1]	9,323	0	0	(9,323)	0
Other Comprehensive (Income) Loss, Net of Tax		(15,961)	0	0	0	(15,961)
Cash Dividends $0.57,$0.48, $0.32, per share for years 2020, 2019 and 2018 respectively		(9,567)	0	0	(9,567)	0
Stock Based Compensation		892	0	892	0	0
Stock Compensation Plan Transactions, net		$ 1,341	$ 1	1,340	0	0
Stock Compensation Plan Transactions, net (in shares)		118,981	118,981
Repurchase of Common Stock		$ (2,042)	$ (1)	(2,041)	0	0
Repurchase of Common Stock (in shares)		(99,952)	(99,952)
Balance ending at Dec. 31, 2020		$ 320,837	$ 168	$ 32,283	$ 332,528	$ (44,142)
Balance ending (in shares) at Dec. 31, 2020		16,790,573	16,790,573
[1]	Adjustments to redemption value for non-controlling interest in CCHL

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.57	$ 0.48	$ 0.32

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 31,576	$ 30,807	$ 26,224
Adjustments to Reconcile Net Income to Cash From Operating Activities:
Provision for Credit Losses	9,645	2,027	2,921
Depreciation	7,230	6,253	6,453
Amortization of Premiums, Discounts, and Fees, net	7,533	5,206	6,698
Originations of Loans Held for Sale	(606,337)	(232,259)	(177,742)
Proceeds From Sales of Loans Held-for-Sale	565,151	234,940	180,425
Net Gain From Sales of Loans Held-for-Sale	(63,344)	(5,321)	(4,735)
Net Additions for Capitalized Mortgage Servicing Rights	(2,792)	0	0
Change in Valuation Provision for Mortgage Servicing Rights	250	0	0
Stock Compensation	892	1,569	1,421
Net Tax Benefit from Stock Compensation	(84)	(14)	(41)
Deferred Income Taxes	(53)	1,225	4,837
Net Change in Operating Leases	(156)	90	0
Net Loss (Gain) on Sales and Write-Downs of Other Real Estate Owned	(393)	214	(935)
Impairment Loss on Premises (Hurricane Damage)	0	0	(1,213)
Proceeds From Insurance Claim for Operating Loss	0	268	0
Loss on Disposal of Premises and Equipment	0	30	87
Net (Increase) Decrease in Other Assets	(38,353)	9,830	7,168
Net Increase (Decrease) in Other Liabilities	40,624	(1,176)	(16,942)
Net Cash (Used In) Provided By Operating Activities	(48,611)	53,689	34,626
Securities Held to Maturity:
Purchases	(32,250)	(92,186)	(102,428)
Payments, Maturities, and Calls	99,251	68,185	100,131
Securities Available for Sale:
Purchases	(108,728)	(119,685)	(132,895)
Payments, Maturities, and Calls	186,499	162,260	161,332
Purchase of Loans Held for Investment	(43,804)	(25,256)	(26,070)
Net Increase in Loans	(130,020)	(39,608)	(98,068)
Net Cash Paid for Brand Acquisition	(2,405)	0	0
Proceeds From Insurance Claims on Premises	0	814	663
Proceeds From Sales of Other Real Estate Owned	2,835	2,360	4,774
Purchases of Premises and Equipment, net	(9,738)	(3,759)	(1,458)
Noncontrolling Interest Contributions	5,766	0	0
Net Cash Used In by Investing Activities	(32,594)	(46,875)	(94,019)
CASH FLOWS FROM FINANCING ACTIVITIES
Net Increase in Deposits	572,106	113,598	61,979
Net Increase (Decrease) in Short-Term Borrowings	73,156	(7,497)	2,551
Repayment of Other Long-Term Borrowings	(3,363)	(1,694)	(1,889)
Dividends Paid	(9,567)	(8,047)	(5,457)
Payments to Repurchase Common Stock	(2,042)	(1,805)	(8,030)
Issuance of Common Stock Under Compensation Plans	1,041	1,054	797
Net Cash Provided By (Used In) Financing Activities	631,331	95,609	49,951
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	550,126	102,423	(9,442)
Cash and Cash Equivalents at Beginning of Year	378,423	276,000	285,442
Cash and Cash Equivalents at End of Year	928,549	378,423	276,000
Supplemental Cash Flow Disclosures:
Interest Paid	4,841	9,521	6,879
Income Taxes Paid	9,171	6,255	157
Noncash Investing and Financing Activities:
Loans and Premises Transferred to Other Real Estate Owned	$ 2,297	$ 1,298	$ 2,140

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	Note 1 SIGNIFICANT ACCOUNTING POLICIES Nature of Operations Capital City Bank Group, Inc. (“CCBG”) provides corporate clients through its subsidiary, Company is subject to competition from other financial undergoes periodic examinations by those regulatory Basis of Presentation The consolidated financial statements include the or the “Bank” and together with CCBG, the “Company eliminated in consolidation. The Company, which Florida, Georgia, and Alabama, follows accounting practices applicable to the banking industry. and cash flows are summarized below. The Company determines whether it has a controlling voting interest entity or a variable interest entity under Voting independently and provide the equity holders with the right to make decisions about the entity’s least a majority of, the voting interest. entities that lack one or more of the characteristics of a voting present when an enterprise has a variable interest, expected losses, receive a majority of the entity’s interest, known as the primary beneficiary, Trust I (established November 1, 2004) is not the primary beneficiary. financial statements. Certain previously reported amounts have been reclassified to evaluated subsequent events for potential recognition included in this Annual Report on Form 10-K were filed Use of Estimates The preparation of financial statements in conformity America requires management to make estimates and disclosure of contingent assets and liabilities at the date expenses during the reporting period. susceptible to significant changes in the near-term income taxes, loss contingencies, valuation of other real impairment. Business Combination On March 1, 2020, CCB completed its acquisition of 51 % membership interest in Brand Mortgage Group, LLC which is now operated as Capital City Home Loans (“CCHL”). effective March 1, 2020. 52 totaled $ 42 alliance with Brand was to gain access to an expanded residential mandatory delivery channel for loan sales), to hedge and cost savings. 7.1 51 % membership interest and entered into a buyout agreement for the remaining 49 % noncontrolling interest resulting in temporary equity with a fair 7.4 $ 4.3 include Brand’s strong synergies created as part of the strategic alliance. 9.3 temporary equity which reflects the increase in the 49 % noncontrolling interest under the terms of the buyout agreement. Adoption of New Accounting Standard On January 1, 2020, the Company adopted ASU 2016 Financial Instruments – Credit Losses (Topic Credit Losses on Financial Instruments , which replaces the incurred loss methodology referred to as the current expected credit loss (“CECL”) methodology. CECL methodology is applicable to financial assets measured debt securities. letters of credit, financial guarantees, and other similar for available-for-sale debt securities. than as a write-down on available-for-sale debt likely than not they will be required to sell. financial assets measured at amortized cost and off Our accounting policies changed significantly with the allowances were based on incurred credit losses in accordance Financial Statements included in the 2019 Form 10-K. 4.0 3.3 million increase in the allowance for credit losses and 0.7 (liability account)) that was offset by a corresponding 3.1 0.9 deferred tax assets. reserves calculated over the life of loan, and more specifically utilization of a longer historical look-back period debt security portfolios, the Company determined that guaranteed treasuries or government agency-backed municipal debt securities held by the Company have been The following table illustrates the impact of adopting As Reported Impact of Under Pre-ASC 326 ASC 326 (Dollars in Thousands) ASC 326 Adoption Adoption Loans: Commercial, Financial and Agricultural $ 2,163 $ 1,675 $ 488 Real Estate - Construction 672 370 302 Real Estate - Commercial Mortgage 4,874 3,416 1,458 Real Estate - Residential 4,371 3,128 1,243 Real Estate - Home Equity 2,598 2,224 374 Consumer, Other Loans and 2,496 3,092 (596) Allowance for Credit Losses on Loans 17,174 13,905 3,269 Other Liabilities: Allowance for Credit Losses on Off-Balance Sheet $ 815 $ 157 $ 658 Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, sold. Generally, days or less. percentage of deposits. zero . average amount of the required reserve balance for 29.7 The Company maintains certain cash balances that are agreements. 0.6 Investment Securities Investment securities are classified as held-to-maturity and ability to hold them until maturity. as available-for-sale and carried at fair value. purchase. which correlates to its risk profile: U.S. government treasury, mortgage-backed securities. the Federal Home Loan Bank, are classified as available Interest income includes amortization and accretion from the amortized cost of the security sold. determined using the specific identification method. recorded at amortized cost plus or minus any unrealized loss continues to be reported in accumulated other income over the remaining life of the security. Subsequent to transfer, the policy for held-to-maturity securities. presented on a gross basis in the consolidated statement The accrual of interest is generally suspended on securities a security is placed on nonaccrual status, all previously thus not included in the estimate of credit losses. Credit losses and changes thereto, are established as an Losses are charged against the allowance confirmed or when either of the criteria regarding Certain debt securities in the Company’s explicitly or implicitly guaranteed by the U.S. government. securities indicates that the expectation of nonpayment technically default. government credit losses due to the zero loss assumption. Impairment - Available-for-Sale . Unrealized gains on available-for-sale securities are income (“OCI”). intends to sell, or whether it is more likely than not it will basis. fair value through income. assumption, the Company evaluates whether the decline this assessment, management considers the extent security by a rating agency, indicates that a credit loss exists, the present value cost basis of the security. loss exists and an allowance for credit losses is recorded through fair value is less than the amortized cost basis. is recognized in other comprehensive income. Allowance for Credit Losses - Held-to-Maturity Management measures expected credit losses on each a zero assumption. value, or the difference between the discounted recorded amortized basis of the security. through a provision for credit loss expense. Loans Held for Investment Loans held for investment (“HFI”) are stated at amortized cost which and discounts, and net deferred loan fees and costs. included in the amortized cost basis of loans. principal balances and includes loan late fees. amortized over the life of the loan as a yield adjustment. The Company defines loans as past due when one accrual of interest is generally suspended on loans more placed on nonaccrual status, all previously accrued election has been made to not include in the estimate of ultimate collectability is no longer considered doubtful. amounts contractually due are brought current or when Loan charge-offs on commercial and loan confirm the loan is not fully collectible and the determinations are the borrower’s and any (if applicable), and collateral value. Examination Council’s (FFIEC) standards for the classification and treatment of consumer delinquency. The Company has adopted comprehensive lending policies, maximize loan income within an acceptable level concentrations, loan delinquencies, nonperforming review of loan portfolio quality and trends by Management estimating the allowance for credit losses. Allowance for Credit Losses The allowance for credit losses is a valuation account that amount expected to be collected on the loans. reported in earnings, and reduced by the charge allowance when management believes the uncollectability aggregate of amounts previously charged off-balance sheet credit exposures is accounted Management estimates the allowance balance using past events, current conditions, and reasonable and supportable starting basis for the estimation of expected credit losses. view of current conditions and forecasts. The methodology for estimating the amount of credit losses reported first, an asset-specific component involving loans that losses for such individual loans; and second, a pooled risk characteristics. Loans That Do Not Share Risk Characteristics Loans that do not share similar risk characteristics are evaluated have differing risk characteristics and are individually dependent when the borrower is experiencing financial sale of the underlying collateral. measured based on the difference asset. by ASC 326-20 to measure the expected credit loss under loans with balances greater than $ 250,000 underlying collateral. 250,000 , the Company has made a policy election to measure expected loss for these individual loans utilizing loss rates for similar collateral dependent troubled debt restructurings. Loans That Share Similar Risk Characteristics The general steps in determining expected credit losses for ● Segment loans into pools according to similar risk characteristics ● Develop historical loss rates for each loan pool segment ● Incorporate the impact of forecasts ● Incorporate the impact of other qualitative factors ● Calculate and review pool specific allowance for credit loss estimate Methodology – A discounted cash flow (“DCF”) methodology is utilized The discounted present value of expected cash flow loss estimate. The primary inputs used to calculate expected cash and loss given default (“LGD”), and prepayment rates. rate and is based on management’s the Company’s risk rating reflect the historical average net loss rate by loan prepayments which will vary by loan segment and interest prepayment rates occurring in the loan portfolio and Forecast Factors – In developing loss rates, adjustments are made to applied, including the length of the forecast and reversion able to make a reasonable and supportable assessment of management believes it can develop a reasonable and the use of historical default and loss rates. and reversion periods are periodically evaluated and may vary by loan pool. utilizes established industry and economic data the forecasted unemployment rate being a significant on management’s assessment Reversion period PD rates reflect the difference adjustment over the reversion period. Qualitative Factors – Loss rates are further adjusted to account for other risk factors on management’s assessment and external factors that are independent of and not reflected considers in this assessment include trends in underwriting loan review systems, collateral valuations, concentrations, natural disasters. Allowance for Credit Losses on Off-Balance The Company estimates expected credit losses over contractual obligation to extend credit, unless that obligation credit losses on off-balance sheet credit exposures liabilities. on commitments expected to be funded over its estimated life outstanding loan balances by segment. the allowance for credit losses with similar risk characteristics Mortgage Banking Activities Mortgage Loans Held for Sale and Revenue Recognition Mortgage loans held for sale (“HFS”) are carried at fair gain on sale of mortgage loans held for sale on the consolidated sale committed to investors is calculated using observable trade (AOT) or other mandatory delivery commitment prices. the Agency’s quoted investors is based on quoted best execution secondary using quoted prices for a similar asset or assets, such as MBS prices, be used by other market participants. Gains and losses from the sale of mortgage loans held proceeds and carrying value of the related loans upon statements of income. Sales proceeds reflect the cash premium. If the related mortgage loan is sold servicing retained, the consolidated statements of income. the changes in the fair value of mortgage loans held instruments. Mortgage loans held for sale are considered sold when considered to have been surrendered when the transferred Company and its creditors; the purchaser obtains the to pledge or exchange the transferred assets; and the through either an agreement that both entitles and their maturity or the ability to unilaterally cause the holder criteria to have been met upon acceptance and receipt Government National Mortgage Association (GNMA) optional individual delinquent mortgage loans that meet certain servicing. for an amount equal to 100 percent of the remaining Servicing,” this buy-back option is considered a conditional becomes unconditional. unconditional buy-back option, the loans can no longer be regardless of whether there is intent liability being reported in other liabilities. Derivative Instruments (IRLC/Forward Commitments) The Company holds and issues derivative financial sale commitments. IRLCs are subject to price risk primarily rate risk on certain IRLCs, the Company uses forward mandatory delivery commitments with investors. Management fair value opposite to the changes in fair value of also used to hedge the interest rate risk on mortgage loans price risk. If the mandatory delivery commitments are not commitments are also executed with investors, whereby to an investor at a fixed price. If the best effort The Company considers various factors and strategies in held for sale to economically hedge. consolidated statements of financial condition at their recognized in gain on sale of mortgage loans held for occur. Gains and losses resulting loans held for sale on the consolidated statements of income. The standing derivative instruments and does not designate Mortgage Servicing Rights (“MSRs”) and Revenue Recognition The Company sells residential mortgage loans in the secondary sale, an MSR asset is capitalized, which represents the performing servicing activities. fair value measurement method, the Company follows the (other income) in proportion to and over the period of estimated reporting date. value, and included in other assets, net, on the consolidated The Company periodically evaluates its MSRs asset for impairment. date using estimated prepayment speeds of the underlying characteristics of the underlying loans (predominantly prepayment speeds are usually faster and the value Conversely, as mortgage increases, requiring less valuation reserve. amortized cost of the MSRs exceeds the estimated fair temporary impairment no longer exists for a stratification, temporary impairment (i.e., recoverability is considered recognized as a write-down of the MSRs asset and the related available) and then against earnings. valuation allowance, precluding subsequent recoveries. Derivative/Hedging Activities At the inception of a derivative contract, the Company designates intentions and belief as to the likely effectiveness asset or liability or of an unrecognized firm commitment variability of cash flows to be received or paid related with no hedging designation ("standalone derivative"). offsetting loss or gain on the hedged item, gain or loss on the derivative is reported in other comprehensive during which the hedged transaction affects earnings. not highly effective in hedging the changes in current earnings. Net cash settlements on derivatives that expense, based on the item being hedged. Net cash settlements on reported in non-interest income. Cash flows on hedges are items being hedged. The Company formally documents the relationship between objective and the strategy for undertaking hedge includes linking fair value or cash flow hedges to specific commitments or forecasted transactions. The Company basis, whether the derivative instruments that are used hedged items. The Company discontinues hedge offsetting changes in the fair value or cash transaction is no longer probable, a hedged firm commitment longer appropriate recorded as non-interest income. When a fair value hedge changes in fair value and the existing basis adjustment When a cash flow hedge is discontinued but the hedged losses that were accumulated in other comprehensive hedged transactions will affect earnings. Long-Lived Assets Premises and equipment is stated at cost less accumulated useful lives for each type of asset with premises being depreciated 10 40 depreciated over a range of 3 10 depreciated over the lesser of the useful life or the remaining expense as incurred. Long-lived assets are evaluated for impairment comparing the carrying value to estimated undiscounted recorded equal to the carrying value less the fair value. Leases The Company has entered into various operating terms from one to ten years. at the Company’s sole discretion. Certain of the lease contain early termination options. calculation of the operating right-of-use assets or operating adjustments to rental payments for inflation. the present value of the lease payments not yet paid, discounted incremental borrowing rate. incremental borrowing rate at the commencement date borrowing rate is based on the term of the lease. that commenced prior to that date. the initial measurement of the lease liability; (ii) any lease any lease incentives received; and (iii) any initial direct less are not recorded on the balance sheet. the lease term. additional information. Bank Owned Life Insurance (BOLI) The Company, through insurance is recorded at the amount that can be surrender value adjusted for other charges or Goodwill Goodwill represents the excess of the cost of businesses acquired with FASB ASC Topic annually during the fourth quarter or on an interim not reduce the fair value of the reporting unit below . Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure less estimated selling costs, establishing a new cost basis. management and the assets are carried at the lower of carrying assets is subjective in nature and may be adjusted in the expenses from operations and changes in value are Loss Contingencies Loss contingencies, including claims and legal actions the likelihood of loss is probable and an amount or range of Noncontrolling Interest To the extent recognizes noncontrolling interests in subsidiaries. Combination), the noncontrolling interest represents holder and is classified within temporary equity in the The call/put option is redeemable at the option of either January 1, 2025, and therefore, not entirely within CCBG’s allocated to CCBG and the noncontrolling interest holder interest carrying value is adjusted on a quarterly basis to the balance sheet date, through a corresponding adjustment based on the higher of a predetermined book value or pre-tax earnings fair value of the noncontrolling interest, the Company’s amount. using: 1) the discounted cash flow methodology under under the market approach. methodologies. projected pre-tax profit margins; (3) tax Income Taxes Income tax expense is the total of the current year liabilities (excluding deferred tax assets and liabilities related income). amounts and tax bases of assets and liabilities, computed deferred tax assets to the expected amount most likely generation of a sufficient level of future taxable to settlements of share-based payment awards are reported The Company files a consolidated federal income tax Earnings Per Common Share Basic earnings per common share is based on net income during the period excluding non-vested stock. non-vested stock awards granted using the treasury stock calculating basic earnings per common share and the common share for the reported periods is provided in Comprehensive Income Comprehensive income includes all changes in shareowners’ shareowners. changes in the net unrealized gain/loss on securities available supplemental executive retirement plans. Comprehensive Income and Changes in Shareowners’ Equity. Stock Based Compensation Compensation cost is recognized for share-based of grant. price of the Company’s a Black-Scholes model is utilized to estimate the fair compensation expense is recognized as forfeitures occur. Revenue Recognition Accounting Standards Codification ("ASC") 606, Revenue for reporting information about the nature, amount, contracts to provide goods or services to customers. The transfer of goods or services to customers in an amount exchange for those goods or services recognized as performance The majority of the Company’s revenue financial instruments, such as our loans, letters of credit, mortgages in the secondary market, as these activities are Company recognizes revenue from these activities as it is earned are provided and collectability is reasonably assured. scope of ASC 606, which are presented in the accompanying follows: Deposit Fees - these represent general service fees consist of transaction-based revenue, time-based revenue based revenue. account maintenance services or when a transaction has received at the time the performance obligations are Wealth Management as consideration for managing the client’s services and similar fiduciary activities. Revenue is recognized month or quarter, which is the time that dealer, for which the Company acts referred to the third party. basis and recognized ratably throughout the quarter as the Bank Card Fees – bank card related fees primarily cards. Interchange fees are set by the credit card associations and interchange income as transactions occur. Gains and Losses from the Sale of Bank Owned Property typically will be the delivery of control over the property the transaction price is typically identified in the purchase financing, the Company must determine a transaction price, account the credit risk inherent in the arrangement. Other non-interest income primarily includes items such loans held for sale), bank-owned life insurance, and 606. The Company has made no significant judgments in applying determination of the amount and timing of revenue from the Accounting Standard Updates ASU 2019-12, "Income Taxes ASU 2019-12 simplifies the accounting for income taxes by eliminating certain exceptions to the allocation when there is a loss from continuing operations income taxes in an interim period when a year-to-date simplifies aspects of the accounting for franchise taxes and transactions that result in a step-up in the tax basis of and is not expected to have a material impact on ASU 2020-01, "Investments - Equity Securities (Topic Derivatives and Hedging (Topic ASU 2020-01 clarifies the interaction of the accounting for equity 321 and investments accounted for under the equity method contracts and purchased options accounted for under and is not expected to have a material impact on ASU 2020-04, "Reference Rate Reform ASU 2020-04 provides optional expedients and exceptions for applying GAAP to loan and lease agreements, derivative contracts, LIBOR toward new interest rate benchmarks. For certain scope guidance (i) modifications of loan agreements interest rate and the modification will be considered "minor" forward and continue to be amortized and (ii) modifications existing agreement with no reassessments of the lease classification that otherwise would be required for modifications not optional expedients for derivative accounting. may elect to apply ASU 2020-04 for contract modifications period that includes or is subsequent to March 12, 2020, Once elected for a Topic prospectively for all eligible contract modifications for any modifications executed between the selected start date to LIBOR transition by allowing prospective recognition contract resulting in writing off unamortized ASU 2021-01, “Reference Rate Reform clarifies that certain optional expedients and exceptions derivatives that are affected by the discounting to capture the incremental consequences of the scope The Company is evaluating the impact of this ASU and Company’s business operations ASU 2020-08, “Codification Improvements ASU 2020- 08 clarifies the accounting for the amortization 2020-8 will be effective for the Company consolidated financial statements. ASU 2020-09, “Debt (Topic ASU 2020-9 amends the ASC to reflect the issuance of an SEC rule guarantors of registered debt securities and affiliates ASU 2020-09 will be effective for the Company not expected to have a significant impact on Company’s On March 27, 2020, the Coronavirus Aid, Relief, and of the CARES Act, “Temporary certain requirements under U.S. GAAP related to troubled the effects of COVID-19. 2019. 2020, or (ii) the 60th day after the end of the COVID-19 modifications of the same credits are allowed and Quality/COVID-19 Exposure) for disclosure of the impact

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	Maturity Distribution . on contractual maturity. or prepay obligations. separately since they are not due at a certain maturity Available for Held to Maturity Amortized Market Amortized Market (Dollars in Thousands) Cost Value Cost Value Due in one year or less $ 104,382 $ 105,245 $ 5,001 $ 5,014 Due after one through five years 28,057 28,269 - - Mortgage-Backed Securities 456 515 164,938 170,161 U.S. Government Agency 180,623 183,168 - - Equity Securities 7,673 7,673 - - Total $ 321,191 $ 324,870 $ 169,939 $ 175,175 Unrealized Losses . The following table summarizes the investment securities by major security type and length of time in a continuous unrealized Less Than 12 Months Greater Than 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses December 31, 2020 Available for U.S. Government Agency 28,266 156 4,670 28 32,936 184 Total 28,266 156 4,670 28 32,936 184 December 31, 2019 Available for U.S. Government Treasury $ 9,955 $ - $ 93,310 $ 67 $ 103,265 $ 67 U.S. Government Agency 36,361 244 17,364 81 53,725 325 States and Political Subdivisions 578 - - - 578 - Mortgage-Backed Securities 8 - - - 8 - Total 46,902 244 110,674 148 157,576 392 Held to Maturity U.S. Government Treasury - - 15,022 9 15,022 9 States and Political Subdivisions 1,033 - - - 1,033 - Mortgage-Backed Securities 22,581 42 16,027 138 38,608 180 Total $ 23,614 $ 42 $ 31,049 $ 147 $ 54,663 $ 189 At December 31, 2020, there were 47 0.2 these positions were U.S. government agency securities in the market value of these securities are attributable has the present ability and intent to hold these investments Company did not record any allowance for credit losses on of the AFS or held-to-maturity securities held by the Credit Quality Indicators The Company monitors the credit quality of its investment monitoring of credit ratings. government entity or agency and are either explicitly the long history of no credit losses on these securities indicates zero, even if the U.S. government were to technically default. been pre-refunded and secured by government guaranteed does not assess or record expected credit losses due to municipal securities portfolio via credit ratings which are in an unrealized loss position are evaluated to determine credit loss is needed.

LOANS HELD FOR INVESTMENT AND A

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2020
Loans, net [Abstract]
LOANS, NET	Note 3 LOANS HELD FOR INVESTMENT AND ALLOWANCE Loan Portfolio Composition . (Dollars in Thousands) 2020 2019 Commercial, Financial and Agricultural $ 393,930 $ 255,365 Real Estate – Construction 135,831 115,018 Real Estate – Commercial Mortgage 648,393 625,556 Real Estate – Residential (1) 352,543 361,450 Real Estate – Home Equity 205,479 197,360 Consumer (2) 270,250 281,180 Loans Held for Investment, Net of Unearned Income $ 2,006,426 $ 1,835,929 (1) (2) 0.7 1.6 Net deferred fees, which include premiums on purchased 0.1 deferred costs were $ 1.8 3.2 for SBA PPP loans. Accrued interest receivable on loans which is excluded 6.9 5.5 million at December 31, 2019, and is reported separately The Company has pledged a blanket floating lien on all 1-4 loans, and home equity loans to support available borrowing lien on all consumer loans, commercial loans, and construction Reserve Bank of Atlanta. Loan Purchases . from CCHL, a related party effective on $ 48.4 25.2 impaired. Allowance for Loan Losses . losses (“ACL”) has two basic components: first, an asset-specific and the measurement of expected credit losses for losses for pools of loans that share similar risk characteristics. Accounting Policies. The following table details the activity in the allowance Allocation of a portion of the allowance to one category categories. ` Commercial , Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 578 1,757 1,865 940 486 3,409 9,035 Charge-Offs (789) - (28) (150) (151) (5,042) (6,160) Recoveries 252 50 318 279 178 2,690 3,767 Net Charge-Offs (537) 50 290 129 27 (2,352) (2,393) Ending Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 2019 Beginning Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 Provision for Credit Losses 664 371 (1,129) (301) 178 2,244 2,027 Charge-Offs (768) (281) (214) (400) (430) (2,878) (4,971) Recoveries 345 - 578 429 175 1,112 2,639 Net Charge-Offs (423) (281) 364 29 (255) (1,766) (2,332) Ending Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 2018 Beginning Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 Provision for Credit Losses 428 139 (223) 331 137 2,109 2,921 Charge-Offs (644) (7) (315) (780) (533) (2,395) (4,674) Recoveries 459 26 373 643 191 964 2,656 Net Charge-Offs (185) 19 58 (137) (342) (1,431) (2,018) Ending Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 On January 1, 2020, we adopted ASC 326 and recorded 3.3 adoption of ASC 326 is discussed further in Note 1 For the year ended December 31, 2020, the provision 9.0 loan charge-offs totaled $ 2.4 losses related to off-balance sheet commitments. 6.6 million) in the allowance for credit losses for 2020 was attributable rate of unemployment due to the COVID-19 pandemic forecast scenarios were utilized to estimate probability probability. unemployment benefits, as well as various government Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past days past due (“DPD”). The following table presents the aging of the amortized cost 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total Past Due Loans $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426 2019 Commercial, Financial and Agricultural $ 489 $ 191 $ - $ 680 $ 254,239 $ 446 $ 255,365 Real Estate – Construction 300 10 - 310 114,708 - 115,018 Real Estate – Commercial Mortgage 148 84 - 232 623,890 1,434 625,556 Real Estate – Residential 629 196 - 825 359,233 1,392 361,450 Real Estate – Home Equity 155 20 - 175 196,388 797 197,360 Consumer 2,000 649 - 2,649 278,128 403 281,180 Total Past Due Loans $ 3,721 $ 1,150 $ - $ 4,871 $ 1,826,586 $ 4,472 $ 1,835,929 Nonaccrual Loans . and/or management deems the collectability of the when the principal and interest amounts contractually due The following table presents the amortized cost basis of loans in accrual by class of loans. 2020 2019 Nonaccrual Nonaccrual 90 + Days Nonaccrual Nonaccrual 90 + Days With No With Still With No With Still (Dollars in Thousands) ACL ACL Accruing ACL ACL Accruing Commercial, Financial and Agricultural $ - $ 161 $ - $ - $ 446 $ - Real Estate – Construction - 179 - - - - Real Estate – Commercial Mortgage 1,075 337 - 958 476 - Real Estate – Residential 1,513 1,617 - 227 1,165 - Real Estate – Home Equity - 695 - - 797 - Consumer - 294 - - 403 - Total Nonaccrual $ 2,588 $ 3,283 $ - $ 1,185 $ 3,287 $ - The Company recognized $ 52,000 35,000 and December 31, 2019, respectively. Collateral Dependent Loans . The following table presents the amortized cost basis of collateral 2020 Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Real Estate – Commercial Mortgage 3,900 - Real Estate – Residential 3,022 - Real Estate – Home Equity 219 - Consumer - 29 Total $ 7,141 $ 29 A loan is collateral dependent when the borrower is experiencing the sale or operation of the underlying collateral. The Bank’s collateral dependent residential or commercial collateral types. independent appraisals or internal evaluations, adjusted for expected net sales proceeds. Residential Real Estate Loans In Process . 1.6 million and $ 1.2 process. Troubled . Company has granted an economic concession to the borrower a work-out alternative, the Company will make concessions reduction in the interest rate, or a combination thereof. allowance for credit losses on a loan-by-loan basis. discounted cash flow analysis or the underlying collateral classification can be removed if the borrower’s difficulty, market terms and qualifies as a new loan. At December 31, 2020, the Company had $ 14.3 13.9 modified terms. 17.6 16.9 accordance with modified terms. 0.6 1.5 December 31, 2020 and December 31, 2019, respectively. The modifications made to TDRs involved either an rate, or a combination thereof. three investment of $ 0.2 seven of $ 0.5 six 0.7 million. For the years ended December 31, 2020 and December no payment default and the loans were modified within Credit Risk Management . procedures designed to maximize loan income within and approve these policies and procedures on a regular Reporting systems are used to monitor loan originations, nonperforming loans and potential problem loans. our lines of business to monitor asset quality trends exposure limits are established and concentration risk portfolio is reviewed to gauge diversification of risk, relevant classifications of loans. basis and have strategic plans in place to supplement standards. Commercial, Financial, and Agricultural – Loans in borrower with consideration given to underlying collateral service coverage ratio limits that require a borrower’s new and existing debt. accounts receivable, inventory, Loan to value ratios at origination are governed by established Real Estate Construction – Loans in this category lines and construction/permanent loans made to individuals and rehabilitation of real property. generally secured by the property being financed, including either owner-occupied or investment in nature. loans are generally based upon estimates of costs and value determined based upon third party appraisals and evaluations. policy guidelines. these loans are closely monitored by on-site inspections. Real Estate Commercial Mortgage – Loans in this category either owner-occupied or investment in nature. project with consideration given to underlying real service coverage ratios and loan to value ratios specific to party appraisals and evaluations. Real Estate Residential – Residential mortgage loans held demonstrate the ability to make scheduled payments employment status, current assets, and other financial resources, of mortgage liens on 1-4 family residential properties. evaluations. Real Estate Home Equity – Home equity loans and lines are made secured by senior or junior mortgage liens on owner-occupied include favorable credit history combined with supportive within established policy guidelines. Consumer Loans – This loan portfolio includes personal lines of credit. establishes maximum debt to income ratios, minimum and receipt of credit reports. Credit Quality Indicators . loans into risk categories based on relevant information financial information, historical payment performance, other factors. individual loan relationships over a predetermined uses the definitions noted below for categorizing criteria set forth below and are not considered criticized. Special Mention – Loans in this category are presently could cause future problems. factors. Substandard – Loans in this category exhibit well-defined These loans are no longer adequately protected due borrower. Doubtful – Loans in this category have all the weaknesses inherent that the weaknesses make collection or liquidation in full, questionable and improbable. Performing/Nonperforming – Loans within certain reviewed, but are monitored for credit quality via the aging nonperforming status is updated on an on-going basis dependent The following table summarizes gross loans held for assigned credit risk ratings (refer to Credit Risk Management Term Loans by Origination Year Revolving (Dollars in Thousands) 2020 2019 2018 2017 2016 Prior Loans Total Commercial, Financial, Agricultural: Pass $ 231,805 $ 45,651 $ 35,866 $ 15,212 $ 13,321 $ 10,051 $ 41,214 $ 393,120 Special Mention - 4 28 - - 58 - 90 Substandard 12 195 289 145 50 20 9 720 Total $ 231,817 $ 45,850 $ 36,183 $ 15,357 $ 13,371 $ 10,129 $ 41,223 $ 393,930 Real Estate - Construction: Pass $ 71,173 $ 51,634 $ 7,369 $ 1,592 $ - $ - $ 2,635 $ 134,403 Substandard - 1,428 - - - - - 1,428 Total $ 71,173 $ 53,062 $ 7,369 $ 1,592 $ - $ - $ 2,635 $ 135,831 Real Estate - Commercial Mortgage: Pass $ 156,011 $ 93,424 $ 131,180 $ 78,474 $ 45,507 $ 88,397 $ 19,933 $ 612,926 Special Mention 4,165 8,932 9,249 244 379 6,172 397 29,538 Substandard 570 130 137 2,687 28 1,883 494 5,929 Total $ 160,746 $ 102,486 $ 140,566 $ 81,405 $ 45,914 $ 96,452 $ 20,824 $ 648,393 Real Estate - Residential: Pass $ 100,704 $ 66,893 $ 42,884 $ 40,205 $ 19,231 $ 66,119 $ 6,706 $ 342,742 Special Mention 141 24 126 175 236 446 - 1,148 Substandard 1,257 1,800 1,377 837 890 2,492 - 8,653 Total $ 102,102 $ 68,717 $ 44,387 $ 41,217 $ 20,357 $ 69,057 $ 6,706 $ 352,543 Real Estate - Home Equity: Performing $ 1,385 $ 313 $ 244 $ 830 $ 183 $ 2,238 $ 199,591 $ 204,784 Nonperforming - - - - - - 695 695 Total $ 1,385 313 244 830 183 2,238 200,286 205,479 Consumer: Performing $ 105,551 $ 69,941 $ 51,513 $ 24,613 $ 10,639 $ 2,472 $ 5,227 $ 269,956 Nonperforming 61 109 49 - 8 67 - 294 Total $ 105,612 70,050 51,562 24,613 10,647 2,539 5,227 270,250

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	12 Months Ended
	Dec. 31, 2020
Mortgage Banking Activities [Abstract]
Mortgage Banking Activities	Note 4 MORTGAGE BANKING ACTIVITIES Pursuant to the Brand acquisition on March 1, 2020, Homes Loans have expanded to include mandatory pipeline price risk, utilization of warehouse lines to fund servicing. 2020 and CCB legacy residential real estate activities for the Residential Mortgage Loan Production The Company originates, markets, and services conventional conforming fixed rate residential mortgage loans are held rate residential mortgage loans may be held for investment. secondary market prices are the primary drivers of origination Residential mortgage loan commitments are generally outstanding commitment to originate a residential mortgage loan to commitments are subject to both credit and price risk. including collateral requirements, which are generally interest rate fluctuations and is partially managed through announced securities, or TBAs) or mandatory delivery commitments The unpaid principal balance of residential mortgage loans residential mortgage loan commitments and forward contract sales and December 31, 2020 Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 147,494 4,825 Forward Sales Contracts (2) 158,500 (907) $ 117,957 (1) Recorded in other assets at fair value (2) Recorded in other liabilities at fair value Residential mortgage loans held for sale that were 0.6 31, 2020. Mortgage banking revenues for the year ended December (Dollars in Thousands) 2020 Net realized gains on sales of mortgage loans $ 59,709 Net change in unrealized gain on mortgage loans held 2,926 Net change in the fair value of mortgage loan commitments 2,625 Net change in the fair value of forward sales contracts 284 Pair-Offs on net settlement of forward (9,602) Mortgage servicing rights additions 3,448 Net origination fees 3,954 Total mortgage $ 63,344 Residential Mortgage Servicing The Company may retain the right to service residential others is the primary driver of servicing revenue. The following represents a summary of mortgage (Dollars in Thousands) 2020 Number of residential mortgage loans serviced for others 1,796 Outstanding principal balance of residential mortgage $ 456,135 Weighted average 3.64% Remaining contractual term (in months) 321 Conforming conventional loans serviced by the Company are generally the responsibility of FNMA and not the through GNMA, whereby the Company is insured against loss by the Veterans loan types: FNMA ( 63 %), GNMA ( 13 %), and private investor ( 24 %). actual/actual payment remittance. At December 31, 2020, delinquent residential mortgage 4.9 million. respectively, in Activity in the capitalized mortgage servicing rights for the (Dollars in Thousands) 2020 Beginning balance $ 910 Additions due to loans sold with servicing retained 3,448 Deletions and amortization (656) Valuation (250) Ending balance $ 3,452 The Company had no At December 31, 2020, the key unobservable inputs used rights were as follows: Minimum Maximum Discount rates 11.00% 15.00% Annual prepayment speeds 13.08% 23.64% Cost of servicing (basis points) 90 110 Changes in residential mortgage interest rates directly servicing rights. rates, estimated loan curtailment, anticipated defaults, and was 17.10 % at December 31, 2020. Warehouse The Company has the following warehouse lines of December 31, 2020. Amounts (Dollars in Thousands) Outstanding $ 25 October 2021 . 2.25% , with a floor rate of 3.50% . 0.1 $ 11,256 $ 50 2.24% 3.00% , with a floor rate of 3.25% . 0.5 39,985 $ 50 September 2021 . 2.75% . 23,541 $ 74,782 Warehouse held for sale pledged as collateral under the above agreements also contain covenants which include worth, minimum liquid assets, maximum debt to Company was in compliance with all significant debt The Company intends to renew the warehouse lines of The Company has extended a $ 50 51 % owned subsidiary entity. transactions under this line of credit are eliminated the total short term borrowings noted on the consolidated December 31, 2020 was $ 30.0

DERIVATIVES

DERIVATIVES	12 Months Ended
	Dec. 31, 2020
Derivatives [Abstract]
Derivatives	Note 5 DERIVATIVES The Company enters into derivative financial instruments to manage receipt or payment of future known and uncertain cash Company’s derivative known or expected cash receipts and its known debt. Cash Flow Hedges of Interest Rate Risk Interest rate swaps with notional amounts totaling 30 subordinated debt. 2.50 % and receive a variable interest rate based on three-month LIBOR plus a weighted 1.83 %. For derivatives designated and that qualify as cash in accumulated other comprehensive income (“AOCI”) during which the hedged transaction affects earnings. derivatives will be reclassified to interest expense as debt. The following table reflects the cash flow hedges included 2020. Notional Fair Balance Sheet Weighted Ave (Dollars in Thousands) Value Location Interest rate swaps related to subordinated debt $ 30,000 $ 574 Other Assets 9.5 The following table presents the net gains (losses) recorded statements of income related to the cash flow derivative ended December 31, 2020. Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) in AOCI Category from AOCI to Income December 31, 2020 $ 428 Interest Expense $ (64) The Company estimates there will be approximately 0.1 months. At December 31, 2020, the Company had a collateral 0.5

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	Note 6 PREMISES AND EQUIPMENT The composition of the Company's premises and equipment (Dollars in Thousands) 2020 2019 Land $ 23,744 $ 23,594 Buildings 114,306 110,774 Fixtures and Equipment 55,916 47,814 Total 193,966 182,182 Accumulated Depreciation (107,175) (97,639) Premises and Equipment, Net $ 86,791 $ 84,543 Depreciation expense for the above premises and equipment 7.0 6.3 6.5 2020, 2019, and 2018, respectively

LEASES

LEASES	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Leases	Note 7 LEASES Operating leases in which the Company is the lessee are liabilities, included in other assets and liabilities , respectively, Operating lease ROU assets represent the Company’s liabilities represent the Company’s liabilities are recognized at lease commencement based that represents the Company’s comprised of amortization of the ROU asset and the implicit straight-line basis over the lease term, and is recorded The Company’s operating one forty-five years . Company’s leases are not assumptions or judgments made in applying the requirements less are not recorded on the consolidated statements of straight-line basis over the lease term. 12.0 12.8 respectively. 1.7 2.5 respectively. The table below summarizes our lease expense and other (Dollars in Thousands) 2020 2019 Operating lease expense $ 1,018 $ 325 Short-term lease expense 530 120 Total lease expense $ 1,548 $ 445 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 1,174 $ 331 Right-of-use assets obtained in exchange for new operating lease liabilities 11,101 1,739 Weighted-average 25.4 6.8 Weighted-average 2.1 % 2.9 % The table below summarizes the maturity of remaining (Dollars in Thousands) December 31, 2020 2021 $ 1,530 2022 1,374 2023 980 2024 930 2025 756 2026 and thereafter 11,129 Total $ 16,699 Less: Interest (3,899) Present value of lease liability $ 12,800 At December 31, 2020, the Company had two additional operating lease obligations for banking offices (to be constructed) that have not yet commenced. 1.9 15 second lease has payments totaling $ 2.9 15 are expected to commence after the construction periods first quarter of 2022, respectively. A related party is the lessor in an operating lease with 0.2 through 2024, for an aggregate remaining obligation of 0.8

GOODWILL

GOODWILL	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL	Note 8 GOODWILL At December 31, 2020 and December 31, 2019, the Company 89.1 84.8 Goodwill is tested for impairment on an annual basis, or qualitative assessment of goodwill impairment indicators. occurred, the Company must compare the estimated fair of the reporting unit exceeds its estimated fair value, On March 1, 2020, CCB completed its acquisition of 51 % membership interest in Brand Mortgage Group, LLC which is now operated as Capital City Home Loans (“CCHL”). Combination for additional information. 7.1 goodwill totaling $ 4.3 During the fourth quarter of 2020, the Company performed no goodwill impairment existed at December 31, 2020. by ASC Topic

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Dec. 31, 2020
Other Real Estate [Abstract]
OTHER REAL ESTATE OWNED	Note 9 OTHER REAL ESTATE The following table presents other real estate owned (Dollars in Thousands) 2020 2019 2018 Beginning Balance $ 953 $ 2,229 $ 3,941 Additions 2,297 1,298 2,140 Valuation (792) (300) (1,046) Sales (1,650) (2,274) (2,793) Other - - (13) Ending Balance $ 808 $ 953 $ 2,229 Net expenses applicable to other real estate owned for the (Dollars in Thousands) 2020 2019 2018 Gains from the Sale of Properties $ (1,218) $ (244) $ (2,288) Losses from the Sale of Properties 33 159 307 Rental Income from Properties - (4) (12) Property Carrying Costs 497 335 505 Valuation 792 300 1,046 Total $ 104 $ 546 $ (442)

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2020
Regulatory matters [Abstract]
DEPOSITS	Note 10 DEPOSITS The composition of the Company's interest bearing deposits at December (Dollars in Thousands) 2020 2019 NOW Accounts $ 1,046,408 $ 902,499 Money Market Accounts 266,649 217,839 Savings Deposits 474,100 374,396 Time Deposits 101,594 106,021 Total Interest Bearing $ 1,888,751 $ 1,600,755 At December 31, 2020 and 2019, $ 0.7 1.6 loans. Time deposits that meet or exceed the 8.5 7.0 2020 and December 31, 2019, respectively. At December 31, the scheduled maturities of time (Dollars in Thousands) 2020 2021 $ 83,989 2022 10,282 2023 3,812 2024 1,674 2025 and thereafter 1,837 Total $ 101,594 Interest expense on deposits for the three years ended (Dollars in Thousands) 2020 2019 2018 NOW Accounts $ 930 $ 5,502 $ 3,152 Money Market Accounts 223 946 675 Savings Deposits 207 182 172 Time Deposits < $250,000 179 201 234 Time Deposits > $250,000 9 9 10 Total $ 1,548 $ 6,840 $ 4,243

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2020
Short Term Borrowings [Abstract]
SHORT-TERM BORROWINGS	Note 11 SHORT-TERM BORROWINGS Short-term borrowings included the following: (Dollars in Thousands) Federal Funds Purchased Securities Sold Under Repurchase Agreements (1) Other Short-Term Borrowings (2) 2020 Balance at December 31 $ - $ 4,851 $ 74,803 Maximum indebtedness at any month end - 5,922 94,071 Daily average indebtedness outstanding 2 5,384 63,733 Average rate 2.56 % 0.10 % 4.36 % Average rate - % 0.04 % 3.00 % 2019 Balance at December 31 $ - $ 6,065 $ 339 Maximum indebtedness at any month end - 9,141 3,746 Daily average indebtedness outstanding 47 6,180 3,047 Average rate 2.85 % 0.91 % 1.73 % Average rate - % 0.46 % 4.11 % 2018 Balance at December 31 $ - $ 10,092 $ 3,449 Maximum indebtedness at any month end - 10,092 10,044 Daily average indebtedness outstanding 20 7,951 3,021 Average rate 2.41 % 0.49 % 2.31 % Average rate - % 0.88 % 1.61 % (1) Balances are fully collateralized by government treasury or agency securities held in the Company's investment portfolio. (2) Comprised of FHLB advances totaling $ 0.1 74.8

LONG-TERM BORROWINGS

LONG-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2020
Long-term Borrowings [Abstract]
LONG-TERM BORROWINGS	Note 12 LONG-TERM BORROWINGS Federal Home Loan Bank Advances. FHLB long-term advances totaled $ 2.2 5.0 December 31, 2019. The advances mature at varying dates from 2022 through 2025 and had a weighted-average rate of 3.47% and 3.13% at December 31, 2020 and 2019, respectively. 1-4 family residential mortgage loans, commercial real FHLB advances is paid on a monthly basis. Note Payable. Long-term note payable totaled $ 0.9 1.5 note matures on March 30, 2027 . quarterly quarterly. 0.3 Scheduled minimum future principal payments on our (Dollars in Thousands) 2020 2021 $ 1,008 2022 1,170 2023 553 2024 210 2025 116 Total $ 3,057 Junior Subordinated Deferrable Interest The Company has issued two junior subordinated deferrable wholly owned Delaware statutory trusts. 30.9 for $ 32.0 Company is not the primary beneficiary. financial statements. See Note 1 - Significant Accounting policy. In November 2004, CCBG Capital Trust 30.0 of the trust. 3-month LIBOR 1.90 %, adjusted quarterly. preferred securities will mature on December 31, 2034 , and are redeemable upon approval of the Federal Reserve in part at the option of the Company at any time after events affecting their tax or regulatory March 31, June 30, September 30, and December 31 of 928,000 securities to CCBG. purchase a $ 30.9 preferred securities. 10 auctioned as part of a liquidation of a pooled collateralized issued through CCBG Capital Trust In May 2005, CCBG Capital Trust 31.0 trust. 3-month LIBOR 1.80 %, adjusted quarterly. securities will mature on June 15, 2035 , and are redeemable upon approval of the Federal Reserve in whole of the Company and in whole at any time upon occurrence Distributions on the trust preferred securities are payable each year. 959,000 trust preferred securities and common equity securities were 32.0 interest note issued by the Company, The Company has the right to defer payments of interest twenty consecutive quarterly interest payment periods. circumstances there is an event of default under the may not, with certain exceptions, declare or pay any dividends its capital stock. The Company has entered into agreements to guarantee payments of redemption of the trust preferred securities. basis, to pay expenses and liabilities of the two trusts other of the Company under the two junior subordinated notes, the trust agreement as to expenses and liabilities, in aggregate, trusts' obligations under the two trust preferred security issuances. Despite the fact that the accounts of CCBG Capital Trust consolidated financial statements, the $ 20.0 31.0 subsidiary trusts are included in the Tier

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
INCOME TAXES	Note 13 INCOME TAXES The provision for income taxes reflected in the statements (Dollars in Thousands) 2020 2019 2018 Current: Federal $ 8,625 $ 8,481 $ (1,617) State 1,658 247 201 10,283 8,728 (1,416) Deferred: Federal (143) (680) 3,620 State 130 1,913 1,285 Change in Valuation (40) (8) (68) (53) 1,225 4,837 Total: Federal 8,482 7,801 2,003 State 1,788 2,160 1,486 Change in Valuation (40) (8) (68) Total $ 10,230 $ 9,953 $ 3,421 Income taxes provided were different than the 21 % to pre-tax income as a result of the following: (Dollars in Thousands) 2020 2019 2018 Tax Expense at Federal $ 11,106 $ 8,560 $ 6,225 Increases (Decreases) Resulting From: Tax-Exempt Interest (341) (425) (494) 2017 Provision to Return - Impact of Federal Tax - - (3,590) State Taxes, Net of 1,413 1,342 1,174 Other 601 294 348 Change in Valuation (40) (8) (68) Tax-Exempt Cash (173) (175) (174) Expense Due to Reduction of Florida Corporate Income Tax - 365 - Noncontrolling Interest (2,336) - - Actual Tax Expense $ 10,230 $ 9,953 $ 3,421 In connection with filing its 2017 income tax returns, 3.6 This benefit was a result of deductions claimed on the current and deferred income tax position associated Deferred income tax liabilities and assets result from purposes and for income tax return purposes. are currently in effect. and 2019 are as follows: (Dollars in Thousands) 2020 2019 Deferred Tax Assets Attributable Allowance for Loan Losses $ 6,037 $ 3,525 Accrued Pension/SERP 16,052 9,863 State Net Operating Loss and Tax 2,335 2,834 Other Real Estate Owned 1,066 957 Accrued SERP Liability 2,104 2,094 Lease Liability 2,581 637 Other 2,637 2,485 Total Deferred $ 32,812 $ 22,395 Deferred Tax Liabilities Depreciation on Premises and Equipment $ 4,408 $ 3,870 Deferred Loan Fees and Costs 2,824 2,445 Intangible Assets 3,290 3,290 Accrued Pension Liability 4,723 4,585 Right of Use Asset 2,411 441 Investments 469 469 Other 1,165 284 Total Deferred 19,290 15,384 Valuation 1,640 1,680 Net Deferred Tax $ 11,882 $ 5,331 In the opinion of management, it is more likely than not operating loss carry-forwards and certain state tax credit Accordingly, a 1.6 state loss and tax credit carry-forwards of approximately $ 2.3 2021 2040 . The Company had no unrecognized tax benefits at December It is the Company’s federal or state income taxes accounts. no statements of income for the years ended December 31, consolidated statements of financial condition for penalties The Company and its subsidiaries file a consolidated U.S. its banking offices are located.

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2020
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK-BASED COMPENSATION	Note 14 STOCK-BASED COMPENSATION At December 31, 2020, the Company had three stock-based (“AIP”), the 2011 Associate Stock which were approved by the shareowners in April 2011, 2004. 1.9 2.2 1.6 million, respectively. AIP. compensation. 875,000 to the terms and conditions of the AIP, earn performance shares. targets, the grant-date fair value of the shares eligible 0.9 60 % of the award is in the form of stock and 40 % in the form of a cash bonus. 20,230 issuance, but additional shares could be earned if performance 21,682 for 2020. 1.0 0.9 1.1 respectively related to the AIP. Executive Long-Term . provisions of the AIP that allows William earn shares based on the compound annual growth rate 2020, there were three LTIP 0.2 0.6 and $ 0.3 entered into similar LTIP be earned based on the compound annual growth 2020, there were three LTIP 0.1 0.2 , and $ 0.2 million in expense for years 2020, 2019 and 2018, 7,218 2020, 10,460 9,810 Financial Officer of the Company for the rate in diluted earnings per share. 0.1 0.4 0.2 ended 2020, 2019 and 2018, respectively, 7,218 4,812 2,406 After deducting the shares earned in 2020 under the 299,344 AIP. DSPP. The Company’s DSPP allows the 90 % of the closing price on the date of purchase. and meeting fees. 150,000 16,119 shares and recognized approximately $ 36,000 15,332 recognized approximately $ 38,000 14,470 recognized approximately $ 35,000 2,459 issuance under the 2011 DSPP. ASPP. Under the Company’s ASPP, deductions at a price equal to 90 % of the lower of the fair market value at the beginning or end period. 10 % of an associate's eligible compensation, up to a maximum 25,000 (fair market value on each enrollment date) in any 593,750 reserved for issuance. 33,910 160,000 ASPP. 27,304 100,000 2018, 19,503 70,000 December 31, 2020, 242,859 Based on the Black-Scholes option pricing model, the granted under the ASPP was $ 5.83 $ 3.61 3.57 , respectively. of grant using the following weighted average assumptions: 2020 2019 2018 Dividend yield 2.4 % 2.0 % 1.4 % Expected volatility 45.6 % 17.4 % 18.7 % Risk-free interest rate 0.9 % 2.3 % 1.8 % Expected life (in years) 0.5 0.5 0.5

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2020
Employee benefits plans [Abstract]
EMPLOYEE BENEFIT PLANS	Note 15 EMPLOYEE BENEFIT PLANS Pension Plan The Company sponsors a noncontributory pension generally are based on the associate's total years of service years immediately preceding their departure. minimum funding requirements as set by law and to 2019, The following table details on a consolidated basis the the plan, components of pension expense, amounts recognized and major assumptions used to determine these amounts. (Dollars in Thousands) 2020 2019 2018 Change in Projected Benefit Obligation: Benefit Obligation at Beginning of Year $ 180,830 $ 149,347 $ 165,084 Service Cost 5,828 6,114 6,884 Interest Cost 5,612 6,178 5,661 Actuarial Loss (Gain) 32,172 25,715 (16,349) Benefits Paid (11,677) (6,255) (11,686) Expenses Paid (260) (269) (247) Special/Contractual Termination 61 - - Projected Benefit Obligation at End of Year $ 212,566 $ 180,830 $ 149,347 Change in Plan Assets: Fair Value $ 161,646 $ 134,535 $ 129,719 Actual Return (Loss) on Plan Assets 17,066 28,635 (6,251) Employer Contributions 5,000 5,000 23,000 Benefits Paid (11,677) (6,255) (11,686) Expenses Paid (260) (269) (247) Fair Value $ 171,775 $ 161,646 $ 134,535 Funded Status of Plan and Accrued Liability Recognized Other Liabilities $ 40,791 $ 19,184 $ 14,812 Accumulated Benefit Obligation at End of Year $ 177,362 $ 156,327 $ 130,477 Components of Net Periodic Benefit Costs: Service Cost $ 5,828 $ 6,114 $ 6,884 Interest Cost 5,612 6,178 5,661 Expected Return on Plan Assets (10,993) (9,527) (9,564) Amortization of Prior Service Costs 15 15 199 Special/Contractual Termination 61 - - Net Loss Amortization 3,933 3,862 3,673 Net Periodic Benefit Cost $ 4,456 $ 6,642 $ 6,853 Weighted-Average Discount Rate 2.88% 3.53% 4.43% Rate of Compensation Increase (1) 4.00% 4.00% 4.00% Measurement Date 12/31/20 12/31/19 12/31/18 Weighted-Average Discount Rate 3.53% 4.43% 3.71% Expected Return on Plan Assets 7.00% 7.25% 7.25% Rate of Compensation Increase (1) 4.00% 4.00% 3.25% Amortization Amounts from Accumulated Other Comprehensive Net Actuarial Loss (Gain) $ 26,098 $ 6,606 $ (533) Prior Service Cost (15) (15) (199) Net Loss (3,933) (3,862) (3,673) Deferred Tax (Benefit) (5,615) (694) 1,118 Other Comprehensive Loss (Gain), net of tax $ 16,535 $ 2,035 $ (3,287) Amounts Recognized in Accumulated Other Comprehensive Income: Net Actuarial Losses $ 59,400 $ 37,235 $ 34,491 Prior Service Cost 35 50 66 Deferred Tax Benefit (15,066) (9,451) (8,757) Accumulated Other Comprehensive Loss, net of tax $ 44,369 $ 27,834 $ 25,800 (1) The service cost component of net periodic benefit cost is reflected income. statements of income. The Company expects to recognize $ 6.8 December 31, 2020 as a component of net periodic Plan Assets. The Company’s pension 2020 are as follows: Target Percentage of Plan Allocation Assets at December 31 (1) 2021 2020 2019 Equity Securities 65 % 71 % 72 % Debt Securities 30 % 21 % 19 % Cash and Cash Equivalents 5 % 8 % 9 % Total 100 % 100 % 100 % (1) Represents asset allocation at December 31 end cash contribution to the plan. The Company’s pension investment manager for the plan. Company believes the best way to accomplish this goal in mutual funds that include various high-grade equity strategies. following investment policy statement allocation ranges: equity 55 % and 81 %, debt securities ranging from 17 % and 37 %, and cash and cash equivalents ranging from 0 % and 10 %. assets is a weighted-average expectation for the economic/financial data to arrive at expected long-term The major categories of assets in the Company’s segregated by the level of the valuation inputs within fair value (see Note 22 – Fair Value (Dollars in Thousands) 2020 2019 Level 1: U.S. Treasury Securities $ 405 $ 907 Mutual Funds 155,192 142,127 Cash and Cash Equivalents 12,789 13,943 Level 2: U.S. Government Agency 1,555 2,078 Corporate Notes/Bonds 1,834 2,591 Total Fair Value $ 171,775 $ 161,646 Expected Benefit Payments. follows: (Dollars in Thousands) 2020 2021 $ 16,187 2022 15,728 2023 15,280 2024 15,208 2025 14,818 2026 through 2030 61,861 Total $ 139,082 Contributions. The following table details the amounts contributed to the pension amount to be contributed in 2021. Expected Contribution (Dollars in Thousands) 2019 2020 2021 (1) Actual Contributions $ 5,000 $ 5,000 $ 5,000 (1) For 2021, the Company will have the option to make Supplemental Executive Retirement Plan The Company has a Supplemental Executive Retirement (“SERP II”) covering selected executive officers. compensation as used for the pension plan, except the benefits are Revenue Code on compensation and benefits. and the benefit payable by the pension plan. certain executive officers that were not covered The following table details on a consolidated basis the pension expense, amounts recognized in the Company's consolida used to determine these amounts. (Dollars in Thousands) 2020 2019 2018 Change in Projected Benefit Obligation: Benefit Obligation at Beginning of Year $ 10,244 $ 8,860 $ 7,285 Service Cost 31 - - Interest Cost 321 349 227 Actuarial Loss 1,826 1,035 1,348 Plan Amendments 980 - - Projected Benefit Obligation at End of Year $ 13,402 $ 10,244 $ 8,860 Funded Status of Plan and Accrued Liability Recognized Other Liabilities $ 13,402 $ 10,244 $ 8,860 Accumulated Benefit Obligation at End of Year $ 12,339 $ 8,778 $ 7,557 Components of Net Periodic Benefit Costs: Service Cost $ 31 $ - $ - Interest Cost 321 349 227 Amortization of Prior Service Cost 327 - - Net Loss Amortization 503 761 1,626 Net Periodic Benefit Cost $ 1,182 $ 1,110 $ 1,853 Weighted-Average Discount Rate 2.38% 3.16% 4.23% Rate of Compensation Increase (1) 4.00% 4.00% 4.00% Measurement Date 12/31/20 12/31/19 12/31/18 Weighted-Average Discount Rate 3.16% 4.23% 3.53% Rate of Compensation Increase (1) 3.50% 3.50% 3.25% Amortization Amounts from Accumulated Other Comprehensive Net Actuarial Loss $ 1,826 $ 1,035 $ 1,348 Prior Service Cost 895 - - Net Loss (458) (761) (1,626) Deferred Tax (Benefit) (573) (70) 71 Other Comprehensive Loss (Gain), net of tax $ 1,690 $ 204 $ (207) Amounts Recognized in Accumulated Other Comprehensive Income: Net Actuarial Loss $ 2,991 $ 1,622 $ 1,348 Prior Service Cost 895 - - Deferred Tax Benefit (985) (411) (341) Accumulated Other Comprehensive Loss, net of tax $ 2,901 $ 1,211 $ 1,007 (1) The Company expects to recognize approximately 1.2 comprehensive income at December 31, 2020 as Expected Benefit Payments . As of December 31, expected benefit payments related to (Dollars in Thousands) 2020 2021 $ 5,218 2022 4,679 2023 2,882 2024 613 2025 48 2026 through 2030 254 Total $ 13,694 401(k) Plan The Company has a 401(k) Plan which enables CCB and CCBG associates basis. enable participants to contribute any amount, up to the maximum in any plan year placed in the 401(k) Plan trust account. 50 % from the Company are made up to 6 % of the participant's compensation for eligible associates. 31, 2019 will receive annually a contribution by the Company 3 % of their compensation. annual matching contributions of $ 0.8 0.7 million and $ 0.6 options available to 401(k) participants, including 50,000 stock have been reserved for issuance. CCHL, a 51 % owned subsidiary of the Company has a 401(k) allows participants to contribute any amount, up to the maximum in any plan year placed in the 401(k) Plan trust account. For 2020, matching contributions were made by CCHL up 3 % of eligible participant's compensation totaling $ 0.5 Other Plans The Company has a Dividend Reinvestment and Optional 250,000 issuance. market and, thus, the Company did not issue any shares

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
EARNINGS PER SHARE	Note 16 EARNINGS PER SHARE The following table sets forth the computation of basic (Dollars and Per Share Data in Thousands) 2020 2019 2018 Numerator: Net Income $ 31,576 $ 30,807 $ 26,224 Denominator: Denominator for Basic Earnings Per Share Weighted 16,785 16,770 17,029 Effects of Dilutive Securities Stock Compensation 37 57 43 Denominator for Diluted Earnings Per Share Adjusted 16,822 16,827 17,072 Basic Earnings Per Share $ 1.88 $ 1.84 $ 1.54 Diluted Earnings Per Share $ 1.88 $ 1.83 $ 1.54

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2020
Regulatory matters [Abstract]
REGULATORY MATTERS	Note 17 REGULATORY Regulatory Capital Requirements . requirements administered by the federal banking agencies. mandatory and possible additional discretionary actions the Company and Bank’s corrective action, assets, liabilities and certain off-balance sheet classification are also subject to qualitative judgments by Prompt corrective action provisions are not applicable capital requirements is provided in the section captioned Management believes, at December 31, 2020 and which they are subject. categorized the Bank as well capitalized under the regulatory capitalized, an institution must maintain minimum common ratios as set forth in the following tables. changed the Bank’s category. presented in the following table. To Be Well Capitalized Under Required Prompt For Capital Corrective Actual Adequacy Purposes Action Provisions (Dollars in Thousands) Amount Ratio Amount Ratio Amount Ratio 2020 Common Equity Tier 1: CCBG $ 281,494 13.71% $ 92,424 4.50% * * CCB 302,147 14.75% 92,177 4.50% $ 133,145 6.50% Tier 1 Capital: CCBG 332,494 16.19% 123,232 6.00% * * CCB 302,147 14.75% 122,903 6.00% 163,870 8.00% Total CCBG 355,338 17.30% 164,310 8.00% * * CCB 324,991 15.87% 163,870 8.00% 204,838 10.00% Tier 1 Leverage: CCBG 332,494 9.33% 142,560 4.00% * * CCB 302,147 8.49% 142,280 4.00% 177,850 5.00% 2019 Common Equity Tier 1: CCBG $ 273,676 14.47% $ 85,131 4.50% * * CCB 304,340 16.14% 84,867 4.50% $ 122,585 6.50% Tier 1 Capital: CCBG 324,676 17.16% 113,509 6.00% * * CCB 304,340 16.14% 113,156 6.00% 150,874 8.00% Total CCBG 338,582 17.90% 151,345 8.00% * * CCB 318,245 16.87% 150,874 8.00% 188,593 10.00% Tier 1 Leverage: CCBG 324,676 11.25% 115,459 4.00% * * CCB 304,340 10.57% 115,168 4.00% 143,960 5.00% * Dividend Restrictions . to provide funds for the payment of dividends to shareowners may limit the amount of dividends that may be paid. declared would cause the regulatory capital of the Company’s Approval is also required if dividends declared exceed the retained net profits for proceeding two years. $ 31.7 dividend declaration.

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
OTHER COMPREHENSIVE INCOME (LOSS)	Note 18 OTHER COMPREHENSIVE INCOME (LOSS) FASB Topic income statement be displayed as other comprehensive statements of comprehensive income and changes in shareowners The following table summarizes the tax effects separately the reclassification adjustment for investment Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount 2020 Investment Securities: Change in net unrealized gain (loss) on securities available $ 2,437 $ (628) $ 1,809 Amortization of losses on securities transferred from available held to maturity 36 (9) 27 Total Investment 2,473 (637) 1,836 Derivative: Change in net unrealized gain (loss) on effective $ 574 $ (146) $ 428 Benefit Plans: Reclassification adjustment for amortization of prior service (880) 223 (657) Reclassification adjustment for amortization of net loss 4,391 (1,113) 3,278 Current year actuarial loss (27,924) 7,078 (20,846) Total Benefit Plans (24,413) 6,188 (18,225) Total Other Comprehensive $ (21,366) $ 5,405 $ (15,961) 2019 Investment Securities: Change in net unrealized gain (loss) on securities available $ 3,790 $ (950) $ 2,840 Amortization of losses on securities transferred from available held to maturity 43 (11) 32 Total Investment 3,833 (961) 2,872 Benefit Plans: Reclassification adjustment for amortization of prior service 15 (4) 11 Reclassification adjustment for amortization of net loss 4,623 (1,170) 3,453 Current year actuarial loss (7,642) 1,940 (5,702) Total Benefit Plans (3,004) 766 (2,238) Total Other Comprehensive $ 829 $ (195) $ 634 2018 Investment Securities: Change in net unrealized gain (loss) on securities available $ (409) $ 103 $ (306) Amortization of losses on securities transferred from available held to maturity 55 (14) 41 Total Investment (354) 89 (265) Benefit Plans: Reclassification adjustment for amortization of prior service 199 (50) 149 Reclassification adjustment for amortization of net loss 5,299 (1,346) 3,953 Current year actuarial loss (815) 207 (608) Total Benefit Plans 4,683 (1,189) 3,494 Total Other Comprehensive $ 4,329 $ (1,100) $ 3,229 Accumulated other comprehensive loss was comprised of Accumulated Securities Other Available Interest Rate Retirement Comprehensive for Sale Swap Plans Loss Balance as of January 1, 2020 $ 864 $ - $ (29,045) $ (28,181) Other comprehensive income (loss) during the period 1,836 428 (18,225) (15,961) Balance as of December 31, 2020 $ 2,700 $ 428 $ (47,270) $ (44,142) Balance as of January 1, 2019 $ (2,008) $ - $ (26,807) $ (28,815) Other comprehensive income (loss) during the period 2,872 - (2,238) 634 Balance as of December 31, 2019 $ 864 $ - $ (29,045) $ (28,181) Balance as of January 1, 2018 $ (1,743) $ - $ (30,301) $ (32,044) Other comprehensive (loss) income during the period (265) - 3,494 3,229 Balance as of December 31, 2018 $ (2,008) $ - $ (26,807) $ (28,815)

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2020
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	Note 19 RELATED PARTY At December 31, 2020 and 2019, certain officers amount of $ 4.3 7.7 3.3 $ 6.7 Deposits from certain directors, executive officers, 41.9 29.7 31, 2020 and 2019, respectively. Under a lease agreement expiring in 2024, the Bank leases land The lease agreement with Smith Interests General Partnership $ 212,000 , to be adjusted for inflation in future years. William G. Smith, III, the son President, Leon County at Capital City Bank. salary, annual and compensation practices applicable to associates with similar

OTHER NONINTEREST EXPENSE

OTHER NONINTEREST EXPENSE	12 Months Ended
	Dec. 31, 2020
Other Noninterest Expense [Abstract]
OTHER NONINTEREST EXPENSE	Note 20 OTHER NONINTEREST EXPENSE Components of other noninterest expense in excess of not disclosed separately elsewhere, are presented (Dollars in Thousands) 2020 2019 2018 Legal Fees $ 1,570 $ 1,722 $ 2,055 Professional Fees 4,863 4,345 5,003 Telephone 2,869 2,645 2,224 Advertising 2,998 2,056 1,611 Processing Services 5,832 5,779 5,978 Insurance – Other 1,607 1,007 1,625 Pension – Other (216) 1,642 1,828 Other 11,396 9,079 9,197 Total $ 30,919 $ 28,275 $ 29,521

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	Note 21 COMMITMENTS AND CONTINGENCIES Lending Commitments . business to meet the financing needs of its clients. standby letters of credit. The Company’s maximum represented by the contractual amount of those instruments. commitments and issuing letters of credit as it does for with the Company’s off-balance 2020 2019 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 160,372 $ 596,572 $ 756,944 $ 114,903 $ 404,345 $ 519,248 Standby Letters of Credit 6,550 - 6,550 5,783 - 5,783 Total $ 166,922 $ 596,572 $ 763,494 $ 120,686 $ 404,345 $ 525,031 (1) Commitments to extend credit are agreements to lend the contract. Commitments generally have fixed expiration Since many of the commitments are expected to expire necessarily represent future cash requirements. Standby letters of credit are conditional commitments party. general, management does not anticipate any material any potential losses arising from such transactions are credit facilities. For both on- deemed necessary. obtained upon extension of credit is based on management’s may include deposits held in financial institutions; U.S. Treasury receivable; property, Other Commitments . operating leases. Contingencies . opinion, there are no known pending claims or litigation, material effect on the consolidated results of Indemnification Obligation . are required to indemnify it for potential future settlement antitrust lawsuits challenging the practices of Visa U.S.A. network, obtained Class B shares of Visa, has funded a litigation reserve for the Covered Litigation During the first quarter of 2011, into a swap contract with the purchaser of the shares subsequent revisions to the conversion ratio for its Class B shares. quarterly until the litigation reserve is fully liquidated and Payments during 2020 totaled $ 711,000 . in the period incurred.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	Note 22 FAIR VALUE The fair value of an asset or liability is the price that would orderly transaction occurring in the principal market (or most advantageous asset or liability. the income approach and/or the cost approach. include the assumptions that market participants would hierarchy for valuation inputs that gives the highest priority the lowest priority to unobservable inputs. ● Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities the ability to access at the measurement date . ● Level 2 Inputs - Inputs other than quoted prices included in Level 1 that directly or indirectly. for identical or similar assets or liabilities in markets that observable for the asset or liability (such as interest rates, are derived principally from, or corroborated, by market . ● Level 3 Inputs - Unobservable inputs for determining the fair values of assets or assumptions about the assumptions that market participants Assets and Liabilities Measured at Fair Securities Available for Sale. U.S. Treasury securities are reported classified as available for sale are reported at fair value measurements from an independent pricing service. include dealer quotes, market spreads, cash flows, the information and the bond’s In general, the Company does not purchase securities that have of traditional investments, nearly all of which are U.S. securities, or general obligation or revenue based municipal annually, the Company from an independent third-party source. Loans Held for Sale . The fair value of residential mortgage loans held for sale based possible, using either quoted secondary-market prices determined using quoted prices for a similar asset or assets, adjusted by other market participants. The Company has elected Mortgage Banking Derivative Instruments. The fair values of interest rate lock commitments (“IRLCs”) are models incorporating market pricing for instruments with or investor commitment prices for best effort servicing rights expected to be recorded upon sale of the rate, and are therefore classified as Level 3 within on observable market pricing for similar instruments and Interest Rate Swap. The Company’s derivative using models generally accepted in the financial services from external market data providers. The fair value Fair Value . valuation represents the amount due and payable to the counterparty the period. A summary of fair values for assets and liabilities at December (Dollars in Thousands) Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Value 2020 ASSETS: Securities Available U.S. Government Treasury $ 104,519 $ - $ - $ 104,519 U.S. Government Agency - 208,531 - 208,531 States and Political Subdivisions - 3,632 - 3,632 Mortgage-Backed Securities - 515 - 515 Equity Securities - 7,673 - 7,673 Held for Sale Loans - 114,039 - 114,039 Interest Rate Swap Derivative Asset - 574 - 574 Mortgage Banking Derivative Assets - - 4,825 4,825 LIABILITIES: Mortgage Banking Derivative Liabilities - 907 - 907 2019 ASSETS: Securities Available U.S. Government Treasury $ 232,778 $ - $ - $ 232,778 U.S. Government Agency - 156,078 - 156,078 State and Political Subdivisions - 6,319 - 6,319 Mortgage-Backed Securities - 773 - 773 Equity Securities - 7,653 - 7,653 Mortgage Banking Activities. The Company had Level 3 issuances and transfers of 50.7 56.0 March 1, 2020 to December 31, 2020 related to mortgage value of the underlying mortgage loan from inception costs to originate. at fair value. Assets Measured at Fair Value Certain assets are measured at fair value on a non-recurring basis but are subject to fair value adjustments in certain impairment. Collateral Dependent Loans . selling costs. banking regulations. judgment and estimation involved in the real estate appraisal at least a quarterly basis for additional impairment and techniques applied in prior periods. 7.1 $ 0.1 Other Real Estate Owned . at fair value through a charge-off cost to sell. conformance with banking regulations. valuation adjustments as necessary. estimation involved in the real estate valuation process. Mortgage Servicing Rights . Residential mortgage loan servicing rights are evaluated based upon the fair value of the rights as compared model using estimated prepayment speeds of the underlying characteristics of the underlying loans (predominantly inputs, including a discount rate, weighted average prepayment inputs utilized are provided in Note 4 – Mortgage 250,000 allowance for mortgage servicing rights. Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value practical to estimate fair value and the following Cash and Short-Term The carrying amount of cash and short-term investments is used given the short time frame to maturity and as such assets do Securities Held to Maturity . caption “Assets and Liabilities Measured at Fair Value Loans. techniques based upon projected cash flows and Recognition and Measurement of Financial Assets and , the values reported reflect the incorporation of discount to meet the objective of “exit price” valu Deposits. the amounts payable on demand at the reporting date. present value techniques and rates currently offered Subordinated Notes Payab flows and estimated discount rates as well as rates being offered Short-Term projected cash flows and estimated discount rates as well as rates A summary of estimated fair values of significant 2020 (Dollars in Thousands) Carrying Level 1 Level 2 Level 3 Value Inputs Inputs Inputs ASSETS: Cash $ 67,919 $ 67,919 $ - $ - Short-Term 860,630 860,630 - - Investment Securities, Available 324,870 104,519 220,351 - Investment Securities, Held to Maturity 169,939 5,014 170,161 - Loans Held for Sale 114,039 - 114,039 - Other Equity Securities (1) 3,589 - 3,589 - Interest Rate Swap Derivative Asset 574 - 574 - Mortgage Banking Derivative Asset 4,825 - - 4,825 Mortgage Servicing Rights 3,452 - - 3,451 Loans, Net of Allowance for Credit Losses 1,982,610 - - 1,990,740 LIABILITIES: Deposits $ 3,217,560 $ - $ 3,217,615 $ - Short-Term 79,654 - 79,654 - Subordinated Notes Payable 52,887 - 43,449 - Long-Term 3,057 - 3,174 - Mortgage Banking Derivative Liability 907 - 907 - (1) 2019 (Dollars in Thousands) Carrying Level 1 Level 2 Level 3 Value Inputs Inputs Inputs ASSETS: Cash $ 60,087 $ 60,087 $ - $ - Short-Term 318,336 318,336 - - Investment Securities, Available 403,601 232,778 170,823 - Investment Securities, Held to Maturity 239,539 20,042 221,387 - Loans Held for Sale 9,509 - 9,509 - Other Equity Securities 3,591 - 3,591 - Loans, Net of Allowance for Credit Losses 1,822,024 - - 1,804,930 LIABILITIES: Deposits $ 2,645,454 $ - $ 2,644,430 $ - Short-Term 6,404 - 6,404 - Subordinated Notes Payable 52,887 - 40,280 - Long-Term 6,514 - 6,623 - All non-financial instruments are excluded from the aggregate fair value amounts presented do not represent

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2020
Parent Company Financial Information [Abstract]
PARENT COMPANY FINANCIAL INFORMATION	Note 23 PARENT COMPANY The following are condensed statements of financial Parent Company Statements of Financial Condition (Dollars in Thousands, Except Per Share 2020 2019 ASSETS Cash and Due From Subsidiary Bank $ 39,718 $ 28,924 Investment in Subsidiary Bank 342,958 359,577 Other Assets 6,530 5,884 Total Assets $ 389,206 $ 394,385 LIABILITIES Long-Term $ 900 $ 1,500 Subordinated Notes Payable 52,887 52,887 Other Liabilities 14,582 12,982 Total Liabilities 68,369 67,369 SHAREOWNERS’ EQUITY Common Stock, $ .01 90,000,000 16,790,573 16,771,544 issued and outstanding at December 31, 2020 and December 31, 168 168 Additional Paid-In Capital 32,283 32,092 Retained Earnings 332,528 322,937 Accumulated Other Comprehensive Loss, Net of Tax (44,142) (28,181) Total Shareowners’ 320,837 327,016 Total Liabilities and $ 389,206 $ 394,385 The operating results of the parent company for the three Parent Company Statements of Operations (Dollars in Thousands) 2020 2019 2018 OPERATING INCOME Income Received from Subsidiary Bank: Administrative Fees $ 6,068 $ 6,517 $ 5,700 Dividends 21,000 19,000 15,000 Other Income 193 203 171 Total Operating 27,261 25,720 20,871 OPERATING EXPENSE Salaries and Associate Benefits 3,418 3,928 3,679 Interest on Subordinated Notes Payable 1,514 2,381 2,286 Professional Fees 1,079 1,196 1,210 Advertising 140 157 106 Legal Fees 456 391 166 Other 1,673 1,711 2,170 Total Operating 8,280 9,764 9,617 Earnings Before Income Taxes Earnings of Subsidiary Bank 18,981 15,956 11,254 Income Tax (Benefit) (406) (632) (901) Earnings Before Equity in Undistributed Earnings of Subsidiary 19,387 16,588 12,155 Equity in Undistributed Earnings of Subsidiary Bank 12,189 14,219 14,069 Net Income $ 31,576 $ 30,807 $ 26,224 The cash flows for the parent company for the three years Parent Company Statements of Cash Flows (Dollars in Thousands) 2020 2019 2018 CASH FLOWS FROM OPERATING Net Income $ 31,576 $ 30,807 $ 26,224 Adjustments to Reconcile Net Income to Net Cash Provided Equity in Undistributed Earnings of Subsidiary Bank (12,189) (14,219) (14,069) Stock Compensation 892 1,569 1,421 (Increase) Decrease in Other Assets (217) (445) (327) Increase in Other Liabilities 1,900 1,557 1,579 Net Cash Provided By Operating Activities 21,962 19,269 14,828 CASH FROM FINANCING ACTIVITIES: Repayment of Long-Term (600) (600) (600) Dividends Paid (9,567) (8,047) (5,457) Issuance of Common Stock Under Compensation Plans 1,041 1,054 797 Payments to Repurchase Common Stock (2,042) (1,805) (8,030) Net Cash Used In Financing Activities (11,168) (9,398) (13,290) Net Increase in Cash 10,794 9,871 1,538 Cash at Beginning of Year 28,924 19,053 17,515 Cash at End of Year $ 39,718 $ 28,924 $ 19,053

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2020
Significant Accounting Policies Policies
Nature of Operations	Nature of Operations Capital City Bank Group, Inc. (“CCBG”) provides corporate clients through its subsidiary, Company is subject to competition from other financial undergoes periodic examinations by those regulatory
Basis of Presentation	Basis of Presentation The consolidated financial statements include the or the “Bank” and together with CCBG, the “Company eliminated in consolidation. The Company, which Florida, Georgia, and Alabama, follows accounting practices applicable to the banking industry. and cash flows are summarized below. The Company determines whether it has a controlling voting interest entity or a variable interest entity under Voting independently and provide the equity holders with the right to make decisions about the entity’s least a majority of, the voting interest. entities that lack one or more of the characteristics of a voting present when an enterprise has a variable interest, expected losses, receive a majority of the entity’s interest, known as the primary beneficiary, Trust I (established November 1, 2004) is not the primary beneficiary. financial statements. Certain previously reported amounts have been reclassified to evaluated subsequent events for potential recognition included in this Annual Report on Form 10-K were filed
Use of Estimates	Use of Estimates The preparation of financial statements in conformity America requires management to make estimates and disclosure of contingent assets and liabilities at the date expenses during the reporting period. susceptible to significant changes in the near-term income taxes, loss contingencies, valuation of other real impairment.
Business Combination	Business Combination On March 1, 2020, CCB completed its acquisition of 51 % membership interest in Brand Mortgage Group, LLC which is now operated as Capital City Home Loans (“CCHL”). effective March 1, 2020. 52 totaled $ 42 alliance with Brand was to gain access to an expanded residential mandatory delivery channel for loan sales), to hedge and cost savings. 7.1 51 % membership interest and entered into a buyout agreement for the remaining 49 % noncontrolling interest resulting in temporary equity with a fair 7.4 $ 4.3 include Brand’s strong synergies created as part of the strategic alliance. 9.3 temporary equity which reflects the increase in the 49 % noncontrolling interest under the terms of the buyout agreement.
Adoption of New Accounting Standard	Adoption of New Accounting Standard On January 1, 2020, the Company adopted ASU 2016 Financial Instruments – Credit Losses (Topic Credit Losses on Financial Instruments , which replaces the incurred loss methodology referred to as the current expected credit loss (“CECL”) methodology. CECL methodology is applicable to financial assets measured debt securities. letters of credit, financial guarantees, and other similar for available-for-sale debt securities. than as a write-down on available-for-sale debt likely than not they will be required to sell. financial assets measured at amortized cost and off Our accounting policies changed significantly with the allowances were based on incurred credit losses in accordance Financial Statements included in the 2019 Form 10-K. 4.0 3.3 million increase in the allowance for credit losses and 0.7 (liability account)) that was offset by a corresponding 3.1 0.9 deferred tax assets. reserves calculated over the life of loan, and more specifically utilization of a longer historical look-back period debt security portfolios, the Company determined that guaranteed treasuries or government agency-backed municipal debt securities held by the Company have been The following table illustrates the impact of adopting As Reported Impact of Under Pre-ASC 326 ASC 326 (Dollars in Thousands) ASC 326 Adoption Adoption Loans: Commercial, Financial and Agricultural $ 2,163 $ 1,675 $ 488 Real Estate - Construction 672 370 302 Real Estate - Commercial Mortgage 4,874 3,416 1,458 Real Estate - Residential 4,371 3,128 1,243 Real Estate - Home Equity 2,598 2,224 374 Consumer, Other Loans and 2,496 3,092 (596) Allowance for Credit Losses on Loans 17,174 13,905 3,269 Other Liabilities: Allowance for Credit Losses on Off-Balance Sheet $ 815 $ 157 $ 658
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, sold. Generally, days or less. percentage of deposits. zero . average amount of the required reserve balance for 29.7 The Company maintains certain cash balances that are agreements. 0.6
Investment Securities	Investment Securities Investment securities are classified as held-to-maturity and ability to hold them until maturity. as available-for-sale and carried at fair value. purchase. which correlates to its risk profile: U.S. government treasury, mortgage-backed securities. the Federal Home Loan Bank, are classified as available Interest income includes amortization and accretion from the amortized cost of the security sold. determined using the specific identification method. recorded at amortized cost plus or minus any unrealized loss continues to be reported in accumulated other income over the remaining life of the security. Subsequent to transfer, the policy for held-to-maturity securities. presented on a gross basis in the consolidated statement The accrual of interest is generally suspended on securities a security is placed on nonaccrual status, all previously thus not included in the estimate of credit losses. Credit losses and changes thereto, are established as an Losses are charged against the allowance confirmed or when either of the criteria regarding Certain debt securities in the Company’s explicitly or implicitly guaranteed by the U.S. government. securities indicates that the expectation of nonpayment technically default. government credit losses due to the zero loss assumption. Impairment - Available-for-Sale . Unrealized gains on available-for-sale securities are income (“OCI”). intends to sell, or whether it is more likely than not it will basis. fair value through income. assumption, the Company evaluates whether the decline this assessment, management considers the extent security by a rating agency, indicates that a credit loss exists, the present value cost basis of the security. loss exists and an allowance for credit losses is recorded through fair value is less than the amortized cost basis. is recognized in other comprehensive income. Allowance for Credit Losses - Held-to-Maturity Management measures expected credit losses on each a zero assumption. value, or the difference between the discounted recorded amortized basis of the security. through a provision for credit loss expense.
Loans Held for Invesment	Loans Held for Investment Loans held for investment (“HFI”) are stated at amortized cost which and discounts, and net deferred loan fees and costs. included in the amortized cost basis of loans. principal balances and includes loan late fees. amortized over the life of the loan as a yield adjustment. The Company defines loans as past due when one accrual of interest is generally suspended on loans more placed on nonaccrual status, all previously accrued election has been made to not include in the estimate of ultimate collectability is no longer considered doubtful. amounts contractually due are brought current or when Loan charge-offs on commercial and loan confirm the loan is not fully collectible and the determinations are the borrower’s and any (if applicable), and collateral value. Examination Council’s (FFIEC) standards for the classification and treatment of consumer delinquency. The Company has adopted comprehensive lending policies, maximize loan income within an acceptable level concentrations, loan delinquencies, nonperforming review of loan portfolio quality and trends by Management estimating the allowance for credit losses.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses is a valuation account that amount expected to be collected on the loans. reported in earnings, and reduced by the charge allowance when management believes the uncollectability aggregate of amounts previously charged off-balance sheet credit exposures is accounted Management estimates the allowance balance using past events, current conditions, and reasonable and supportable starting basis for the estimation of expected credit losses. view of current conditions and forecasts. The methodology for estimating the amount of credit losses reported first, an asset-specific component involving loans that losses for such individual loans; and second, a pooled risk characteristics. Loans That Do Not Share Risk Characteristics Loans that do not share similar risk characteristics are evaluated have differing risk characteristics and are individually dependent when the borrower is experiencing financial sale of the underlying collateral. measured based on the difference asset. by ASC 326-20 to measure the expected credit loss under loans with balances greater than $ 250,000 underlying collateral. 250,000 , the Company has made a policy election to measure expected loss for these individual loans utilizing loss rates for similar collateral dependent troubled debt restructurings. Loans That Share Similar Risk Characteristics The general steps in determining expected credit losses for ● Segment loans into pools according to similar risk characteristics ● Develop historical loss rates for each loan pool segment ● Incorporate the impact of forecasts ● Incorporate the impact of other qualitative factors ● Calculate and review pool specific allowance for credit loss estimate Methodology – A discounted cash flow (“DCF”) methodology is utilized The discounted present value of expected cash flow loss estimate. The primary inputs used to calculate expected cash and loss given default (“LGD”), and prepayment rates. rate and is based on management’s the Company’s risk rating reflect the historical average net loss rate by loan prepayments which will vary by loan segment and interest prepayment rates occurring in the loan portfolio and Forecast Factors – In developing loss rates, adjustments are made to applied, including the length of the forecast and reversion able to make a reasonable and supportable assessment of management believes it can develop a reasonable and the use of historical default and loss rates. and reversion periods are periodically evaluated and may vary by loan pool. utilizes established industry and economic data the forecasted unemployment rate being a significant on management’s assessment Reversion period PD rates reflect the difference adjustment over the reversion period. Qualitative Factors – Loss rates are further adjusted to account for other risk factors on management’s assessment and external factors that are independent of and not reflected considers in this assessment include trends in underwriting loan review systems, collateral valuations, concentrations, natural disasters. Allowance for Credit Losses on Off-Balance The Company estimates expected credit losses over contractual obligation to extend credit, unless that obligation credit losses on off-balance sheet credit exposures liabilities. on commitments expected to be funded over its estimated life outstanding loan balances by segment. the allowance for credit losses with similar risk characteristics Mortgage Banking Activities Mortgage Loans Held for Sale and Revenue Recognition Mortgage loans held for sale (“HFS”) are carried at fair gain on sale of mortgage loans held for sale on the consolidated sale committed to investors is calculated using observable trade (AOT) or other mandatory delivery commitment prices. the Agency’s quoted investors is based on quoted best execution secondary using quoted prices for a similar asset or assets, such as MBS prices, be used by other market participants. Gains and losses from the sale of mortgage loans held proceeds and carrying value of the related loans upon statements of income. Sales proceeds reflect the cash premium. If the related mortgage loan is sold servicing retained, the consolidated statements of income. the changes in the fair value of mortgage loans held instruments. Mortgage loans held for sale are considered sold when considered to have been surrendered when the transferred Company and its creditors; the purchaser obtains the to pledge or exchange the transferred assets; and the through either an agreement that both entitles and their maturity or the ability to unilaterally cause the holder criteria to have been met upon acceptance and receipt Government National Mortgage Association (GNMA) optional individual delinquent mortgage loans that meet certain servicing. for an amount equal to 100 percent of the remaining Servicing,” this buy-back option is considered a conditional becomes unconditional. unconditional buy-back option, the loans can no longer be regardless of whether there is intent liability being reported in other liabilities. Derivative Instruments (IRLC/Forward Commitments) The Company holds and issues derivative financial sale commitments. IRLCs are subject to price risk primarily rate risk on certain IRLCs, the Company uses forward mandatory delivery commitments with investors. Management fair value opposite to the changes in fair value of also used to hedge the interest rate risk on mortgage loans price risk. If the mandatory delivery commitments are not commitments are also executed with investors, whereby to an investor at a fixed price. If the best effort
Mortgage Banking Activities	Mortgage Banking Activities Mortgage Loans Held for Sale and Revenue Recognition Mortgage loans held for sale (“HFS”) are carried at fair gain on sale of mortgage loans held for sale on the consolidated sale committed to investors is calculated using observable trade (AOT) or other mandatory delivery commitment prices. the Agency’s quoted investors is based on quoted best execution secondary using quoted prices for a similar asset or assets, such as MBS prices, be used by other market participants. Gains and losses from the sale of mortgage loans held proceeds and carrying value of the related loans upon statements of income. Sales proceeds reflect the cash premium. If the related mortgage loan is sold servicing retained, the consolidated statements of income. the changes in the fair value of mortgage loans held instruments. Mortgage loans held for sale are considered sold when considered to have been surrendered when the transferred Company and its creditors; the purchaser obtains the to pledge or exchange the transferred assets; and the through either an agreement that both entitles and their maturity or the ability to unilaterally cause the holder criteria to have been met upon acceptance and receipt Government National Mortgage Association (GNMA) optional individual delinquent mortgage loans that meet certain servicing. for an amount equal to 100 percent of the remaining Servicing,” this buy-back option is considered a conditional becomes unconditional. unconditional buy-back option, the loans can no longer be regardless of whether there is intent liability being reported in other liabilities. Derivative Instruments (IRLC/Forward Commitments) The Company holds and issues derivative financial sale commitments. IRLCs are subject to price risk primarily rate risk on certain IRLCs, the Company uses forward mandatory delivery commitments with investors. Management fair value opposite to the changes in fair value of also used to hedge the interest rate risk on mortgage loans price risk. If the mandatory delivery commitments are not commitments are also executed with investors, whereby to an investor at a fixed price. If the best effort The Company considers various factors and strategies in held for sale to economically hedge. consolidated statements of financial condition at their recognized in gain on sale of mortgage loans held for occur. Gains and losses resulting loans held for sale on the consolidated statements of income. The standing derivative instruments and does not designate Mortgage Servicing Rights (“MSRs”) and Revenue Recognition The Company sells residential mortgage loans in the secondary sale, an MSR asset is capitalized, which represents the performing servicing activities. fair value measurement method, the Company follows the (other income) in proportion to and over the period of estimated reporting date. value, and included in other assets, net, on the consolidated The Company periodically evaluates its MSRs asset for impairment. date using estimated prepayment speeds of the underlying characteristics of the underlying loans (predominantly prepayment speeds are usually faster and the value Conversely, as mortgage increases, requiring less valuation reserve. amortized cost of the MSRs exceeds the estimated fair temporary impairment no longer exists for a stratification, temporary impairment (i.e., recoverability is considered recognized as a write-down of the MSRs asset and the related available) and then against earnings. valuation allowance, precluding subsequent recoveries. Derivative/Hedging Activities At the inception of a derivative contract, the Company designates intentions and belief as to the likely effectiveness asset or liability or of an unrecognized firm commitment variability of cash flows to be received or paid related with no hedging designation ("standalone derivative"). offsetting loss or gain on the hedged item, gain or loss on the derivative is reported in other comprehensive during which the hedged transaction affects earnings. not highly effective in hedging the changes in current earnings. Net cash settlements on derivatives that expense, based on the item being hedged. Net cash settlements on reported in non-interest income. Cash flows on hedges are items being hedged. The Company formally documents the relationship between objective and the strategy for undertaking hedge includes linking fair value or cash flow hedges to specific commitments or forecasted transactions. The Company basis, whether the derivative instruments that are used hedged items. The Company discontinues hedge offsetting changes in the fair value or cash transaction is no longer probable, a hedged firm commitment longer appropriate recorded as non-interest income. When a fair value hedge changes in fair value and the existing basis adjustment When a cash flow hedge is discontinued but the hedged losses that were accumulated in other comprehensive hedged transactions will affect earnings.
Derivative/Hedging Activities	Derivative/Hedging Activities At the inception of a derivative contract, the Company designates intentions and belief as to the likely effectiveness asset or liability or of an unrecognized firm commitment variability of cash flows to be received or paid related with no hedging designation ("standalone derivative"). offsetting loss or gain on the hedged item, gain or loss on the derivative is reported in other comprehensive during which the hedged transaction affects earnings. not highly effective in hedging the changes in current earnings. Net cash settlements on derivatives that expense, based on the item being hedged. Net cash settlements on reported in non-interest income. Cash flows on hedges are items being hedged. The Company formally documents the relationship between objective and the strategy for undertaking hedge includes linking fair value or cash flow hedges to specific commitments or forecasted transactions. The Company basis, whether the derivative instruments that are used hedged items. The Company discontinues hedge offsetting changes in the fair value or cash transaction is no longer probable, a hedged firm commitment longer appropriate recorded as non-interest income. When a fair value hedge changes in fair value and the existing basis adjustment When a cash flow hedge is discontinued but the hedged losses that were accumulated in other comprehensive hedged transactions will affect earnings.
Long-Lived Assets	Long-Lived Assets Premises and equipment is stated at cost less accumulated useful lives for each type of asset with premises being depreciated 10 40 depreciated over a range of 3 10 depreciated over the lesser of the useful life or the remaining expense as incurred. Long-lived assets are evaluated for impairment comparing the carrying value to estimated undiscounted recorded equal to the carrying value less the fair value.
Leases	Leases The Company has entered into various operating terms from one to ten years. at the Company’s sole discretion. Certain of the lease contain early termination options. calculation of the operating right-of-use assets or operating adjustments to rental payments for inflation. the present value of the lease payments not yet paid, discounted incremental borrowing rate. incremental borrowing rate at the commencement date borrowing rate is based on the term of the lease. that commenced prior to that date. the initial measurement of the lease liability; (ii) any lease any lease incentives received; and (iii) any initial direct less are not recorded on the balance sheet. the lease term. additional information.
Bank Owned Life Insurance (BOLI)	Bank Owned Life Insurance (BOLI) The Company, through insurance is recorded at the amount that can be surrender value adjusted for other charges or
Goodwill	Goodwill Goodwill represents the excess of the cost of businesses acquired with FASB ASC Topic annually during the fourth quarter or on an interim not reduce the fair value of the reporting unit below
Other Real Estate Owned	Other Real Estate Owned Assets acquired through, or in lieu of, loan foreclosure less estimated selling costs, establishing a new cost basis. management and the assets are carried at the lower of carrying assets is subjective in nature and may be adjusted in the expenses from operations and changes in value are
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions the likelihood of loss is probable and an amount or range of
Noncontrolling Interest	Noncontrolling Interest To the extent recognizes noncontrolling interests in subsidiaries. Combination), the noncontrolling interest represents holder and is classified within temporary equity in the The call/put option is redeemable at the option of either January 1, 2025, and therefore, not entirely within CCBG’s allocated to CCBG and the noncontrolling interest holder interest carrying value is adjusted on a quarterly basis to the balance sheet date, through a corresponding adjustment based on the higher of a predetermined book value or pre-tax earnings fair value of the noncontrolling interest, the Company’s amount. using: 1) the discounted cash flow methodology under under the market approach. methodologies. projected pre-tax profit margins; (3) tax
Income Taxes	Income Taxes Income tax expense is the total of the current year liabilities (excluding deferred tax assets and liabilities related income). amounts and tax bases of assets and liabilities, computed deferred tax assets to the expected amount most likely generation of a sufficient level of future taxable to settlements of share-based payment awards are reported The Company files a consolidated federal income tax
Earnings Per Common Share	Earnings Per Common Share Basic earnings per common share is based on net income during the period excluding non-vested stock. non-vested stock awards granted using the treasury stock calculating basic earnings per common share and the common share for the reported periods is provided in
Comprehensive Income	Comprehensive Income Comprehensive income includes all changes in shareowners’ shareowners. changes in the net unrealized gain/loss on securities available supplemental executive retirement plans. Comprehensive Income and Changes in Shareowners’ Equity.
Stock Based Compensation	Stock Based Compensation Compensation cost is recognized for share-based of grant. price of the Company’s a Black-Scholes model is utilized to estimate the fair compensation expense is recognized as forfeitures occur.
Revenue Recognition	Revenue Recognition Accounting Standards Codification ("ASC") 606, Revenue for reporting information about the nature, amount, contracts to provide goods or services to customers. The transfer of goods or services to customers in an amount exchange for those goods or services recognized as performance The majority of the Company’s revenue financial instruments, such as our loans, letters of credit, mortgages in the secondary market, as these activities are Company recognizes revenue from these activities as it is earned are provided and collectability is reasonably assured. scope of ASC 606, which are presented in the accompanying follows: Deposit Fees - these represent general service fees consist of transaction-based revenue, time-based revenue based revenue. account maintenance services or when a transaction has received at the time the performance obligations are Wealth Management as consideration for managing the client’s services and similar fiduciary activities. Revenue is recognized month or quarter, which is the time that dealer, for which the Company acts referred to the third party. basis and recognized ratably throughout the quarter as the Bank Card Fees – bank card related fees primarily cards. Interchange fees are set by the credit card associations and interchange income as transactions occur. Gains and Losses from the Sale of Bank Owned Property typically will be the delivery of control over the property the transaction price is typically identified in the purchase financing, the Company must determine a transaction price, account the credit risk inherent in the arrangement. Other non-interest income primarily includes items such loans held for sale), bank-owned life insurance, and 606. The Company has made no significant judgments in applying determination of the amount and timing of revenue from the
Accounting standard updates	Accounting Standard Updates ASU 2019-12, "Income Taxes ASU 2019-12 simplifies the accounting for income taxes by eliminating certain exceptions to the allocation when there is a loss from continuing operations income taxes in an interim period when a year-to-date simplifies aspects of the accounting for franchise taxes and transactions that result in a step-up in the tax basis of and is not expected to have a material impact on ASU 2020-01, "Investments - Equity Securities (Topic Derivatives and Hedging (Topic ASU 2020-01 clarifies the interaction of the accounting for equity 321 and investments accounted for under the equity method contracts and purchased options accounted for under and is not expected to have a material impact on ASU 2020-04, "Reference Rate Reform ASU 2020-04 provides optional expedients and exceptions for applying GAAP to loan and lease agreements, derivative contracts, LIBOR toward new interest rate benchmarks. For certain scope guidance (i) modifications of loan agreements interest rate and the modification will be considered "minor" forward and continue to be amortized and (ii) modifications existing agreement with no reassessments of the lease classification that otherwise would be required for modifications not optional expedients for derivative accounting. may elect to apply ASU 2020-04 for contract modifications period that includes or is subsequent to March 12, 2020, Once elected for a Topic prospectively for all eligible contract modifications for any modifications executed between the selected start date to LIBOR transition by allowing prospective recognition contract resulting in writing off unamortized ASU 2021-01, “Reference Rate Reform clarifies that certain optional expedients and exceptions derivatives that are affected by the discounting to capture the incremental consequences of the scope The Company is evaluating the impact of this ASU and Company’s business operations ASU 2020-08, “Codification Improvements ASU 2020- 08 clarifies the accounting for the amortization 2020-8 will be effective for the Company consolidated financial statements. ASU 2020-09, “Debt (Topic ASU 2020-9 amends the ASC to reflect the issuance of an SEC rule guarantors of registered debt securities and affiliates ASU 2020-09 will be effective for the Company not expected to have a significant impact on Company’s On March 27, 2020, the Coronavirus Aid, Relief, and of the CARES Act, “Temporary certain requirements under U.S. GAAP related to troubled the effects of COVID-19. 2019. 2020, or (ii) the 60th day after the end of the COVID-19 modifications of the same credits are allowed and Quality/COVID-19 Exposure) for disclosure of the impact

SIGNIFICANT ACCOUNTING POLICI_3

SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Tablular illustration of the impact of adopting ASC 326	As Reported Impact of Under Pre-ASC 326 ASC 326 (Dollars in Thousands) ASC 326 Adoption Adoption Loans: Commercial, Financial and Agricultural $ 2,163 $ 1,675 $ 488 Real Estate - Construction 672 370 302 Real Estate - Commercial Mortgage 4,874 3,416 1,458 Real Estate - Residential 4,371 3,128 1,243 Real Estate - Home Equity 2,598 2,224 374 Consumer, Other Loans and 2,496 3,092 (596) Allowance for Credit Losses on Loans 17,174 13,905 3,269 Other Liabilities: Allowance for Credit Losses on Off-Balance Sheet $ 815 $ 157 $ 658

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Held to Maturity Amortized Market Amortized Market (Dollars in Thousands) Cost Value Cost Value Due in one year or less $ 104,382 $ 105,245 $ 5,001 $ 5,014 Due after one through five years 28,057 28,269 - - Mortgage-Backed Securities 456 515 164,938 170,161 U.S. Government Agency 180,623 183,168 - - Equity Securities 7,673 7,673 - - Total $ 321,191 $ 324,870 $ 169,939 $ 175,175
Schedule of investment securities with continuous unrealized loss position	Less Than 12 Months Greater Than 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses December 31, 2020 Available for U.S. Government Agency 28,266 156 4,670 28 32,936 184 Total 28,266 156 4,670 28 32,936 184 December 31, 2019 Available for U.S. Government Treasury $ 9,955 $ - $ 93,310 $ 67 $ 103,265 $ 67 U.S. Government Agency 36,361 244 17,364 81 53,725 325 States and Political Subdivisions 578 - - - 578 - Mortgage-Backed Securities 8 - - - 8 - Total 46,902 244 110,674 148 157,576 392 Held to Maturity U.S. Government Treasury - - 15,022 9 15,022 9 States and Political Subdivisions 1,033 - - - 1,033 - Mortgage-Backed Securities 22,581 42 16,027 138 38,608 180 Total $ 23,614 $ 42 $ 31,049 $ 147 $ 54,663 $ 189

LOANS HELD FOR INVESTMENT AND_2

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2020
Loans, net [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) 2020 2019 Commercial, Financial and Agricultural $ 393,930 $ 255,365 Real Estate – Construction 135,831 115,018 Real Estate – Commercial Mortgage 648,393 625,556 Real Estate – Residential (1) 352,543 361,450 Real Estate – Home Equity 205,479 197,360 Consumer (2) 270,250 281,180 Loans Held for Investment, Net of Unearned Income $ 2,006,426 $ 1,835,929 (1) (2) 0.7 1.6 Net deferred fees, which include premiums on purchased 0.1 deferred costs were $ 1.8 3.2 for SBA PPP loans. Accrued interest receivable on loans which is excluded 6.9 5.5 million at December 31, 2019, and is reported separately The Company has pledged a blanket floating lien on all 1-4 loans, and home equity loans to support available borrowing lien on all consumer loans, commercial loans, and construction Reserve Bank of Atlanta. Loan Purchases . from CCHL, a related party effective on $ 48.4 25.2 impaired.
Schedule of activity in the allowance for loan losses by portfolio class	` Commercial , Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 578 1,757 1,865 940 486 3,409 9,035 Charge-Offs (789) - (28) (150) (151) (5,042) (6,160) Recoveries 252 50 318 279 178 2,690 3,767 Net Charge-Offs (537) 50 290 129 27 (2,352) (2,393) Ending Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 2019 Beginning Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 Provision for Credit Losses 664 371 (1,129) (301) 178 2,244 2,027 Charge-Offs (768) (281) (214) (400) (430) (2,878) (4,971) Recoveries 345 - 578 429 175 1,112 2,639 Net Charge-Offs (423) (281) 364 29 (255) (1,766) (2,332) Ending Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 2018 Beginning Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 Provision for Credit Losses 428 139 (223) 331 137 2,109 2,921 Charge-Offs (644) (7) (315) (780) (533) (2,395) (4,674) Recoveries 459 26 373 643 191 964 2,656 Net Charge-Offs (185) 19 58 (137) (342) (1,431) (2,018) Ending Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210
Schedule of aging of the recorded investment in accruing past due loans by class of loans	30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total Past Due Loans $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426 2019 Commercial, Financial and Agricultural $ 489 $ 191 $ - $ 680 $ 254,239 $ 446 $ 255,365 Real Estate – Construction 300 10 - 310 114,708 - 115,018 Real Estate – Commercial Mortgage 148 84 - 232 623,890 1,434 625,556 Real Estate – Residential 629 196 - 825 359,233 1,392 361,450 Real Estate – Home Equity 155 20 - 175 196,388 797 197,360 Consumer 2,000 649 - 2,649 278,128 403 281,180 Total Past Due Loans $ 3,721 $ 1,150 $ - $ 4,871 $ 1,826,586 $ 4,472 $ 1,835,929
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	2020 2019 Nonaccrual Nonaccrual 90 + Days Nonaccrual Nonaccrual 90 + Days With No With Still With No With Still (Dollars in Thousands) ACL ACL Accruing ACL ACL Accruing Commercial, Financial and Agricultural $ - $ 161 $ - $ - $ 446 $ - Real Estate – Construction - 179 - - - - Real Estate – Commercial Mortgage 1,075 337 - 958 476 - Real Estate – Residential 1,513 1,617 - 227 1,165 - Real Estate – Home Equity - 695 - - 797 - Consumer - 294 - - 403 - Total Nonaccrual $ 2,588 $ 3,283 $ - $ 1,185 $ 3,287 $ -
Amortized cost basis of collateral-dependent loans	2020 Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Real Estate – Commercial Mortgage 3,900 - Real Estate – Residential 3,022 - Real Estate – Home Equity 219 - Consumer - 29 Total $ 7,141 $ 29
Summary of gross loans held for investment by years of origination	Term Loans by Origination Year Revolving (Dollars in Thousands) 2020 2019 2018 2017 2016 Prior Loans Total Commercial, Financial, Agricultural: Pass $ 231,805 $ 45,651 $ 35,866 $ 15,212 $ 13,321 $ 10,051 $ 41,214 $ 393,120 Special Mention - 4 28 - - 58 - 90 Substandard 12 195 289 145 50 20 9 720 Total $ 231,817 $ 45,850 $ 36,183 $ 15,357 $ 13,371 $ 10,129 $ 41,223 $ 393,930 Real Estate - Construction: Pass $ 71,173 $ 51,634 $ 7,369 $ 1,592 $ - $ - $ 2,635 $ 134,403 Substandard - 1,428 - - - - - 1,428 Total $ 71,173 $ 53,062 $ 7,369 $ 1,592 $ - $ - $ 2,635 $ 135,831 Real Estate - Commercial Mortgage: Pass $ 156,011 $ 93,424 $ 131,180 $ 78,474 $ 45,507 $ 88,397 $ 19,933 $ 612,926 Special Mention 4,165 8,932 9,249 244 379 6,172 397 29,538 Substandard 570 130 137 2,687 28 1,883 494 5,929 Total $ 160,746 $ 102,486 $ 140,566 $ 81,405 $ 45,914 $ 96,452 $ 20,824 $ 648,393 Real Estate - Residential: Pass $ 100,704 $ 66,893 $ 42,884 $ 40,205 $ 19,231 $ 66,119 $ 6,706 $ 342,742 Special Mention 141 24 126 175 236 446 - 1,148 Substandard 1,257 1,800 1,377 837 890 2,492 - 8,653 Total $ 102,102 $ 68,717 $ 44,387 $ 41,217 $ 20,357 $ 69,057 $ 6,706 $ 352,543 Real Estate - Home Equity: Performing $ 1,385 $ 313 $ 244 $ 830 $ 183 $ 2,238 $ 199,591 $ 204,784 Nonperforming - - - - - - 695 695 Total $ 1,385 313 244 830 183 2,238 200,286 205,479 Consumer: Performing $ 105,551 $ 69,941 $ 51,513 $ 24,613 $ 10,639 $ 2,472 $ 5,227 $ 269,956 Nonperforming 61 109 49 - 8 67 - 294 Total $ 105,612 70,050 51,562 24,613 10,647 2,539 5,227 270,250

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	12 Months Ended
	Dec. 31, 2020
Mortgage Banking Activities [Abstract]
Summary of unpaid principal balance of residential mortgage loans	December 31, 2020 Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 147,494 4,825 Forward Sales Contracts (2) 158,500 (907) $ 117,957 (1) Recorded in other assets at fair value (2) Recorded in other liabilities at fair value
Mortgage banking revenue	(Dollars in Thousands) 2020 Net realized gains on sales of mortgage loans $ 59,709 Net change in unrealized gain on mortgage loans held 2,926 Net change in the fair value of mortgage loan commitments 2,625 Net change in the fair value of forward sales contracts 284 Pair-Offs on net settlement of forward (9,602) Mortgage servicing rights additions 3,448 Net origination fees 3,954 Total mortgage $ 63,344
Summary of mortgage servicing rights	(Dollars in Thousands) 2020 Number of residential mortgage loans serviced for others 1,796 Outstanding principal balance of residential mortgage $ 456,135 Weighted average 3.64% Remaining contractual term (in months) 321
Activity in the capitalized mortgage servicing rights	(Dollars in Thousands) 2020 Beginning balance $ 910 Additions due to loans sold with servicing retained 3,448 Deletions and amortization (656) Valuation (250) Ending balance $ 3,452
Key unobservable inputs used in determining the fair value of mortgage servicing rights	Minimum Maximum Discount rates 11.00% 15.00% Annual prepayment speeds 13.08% 23.64% Cost of servicing (basis points) 90 110
Warehouse Line Borrowings	Amounts (Dollars in Thousands) Outstanding $ 25 October 2021 . 2.25% , with a floor rate of 3.50% . 0.1 $ 11,256 $ 50 2.24% 3.00% , with a floor rate of 3.25% . 0.5 39,985 $ 50 September 2021 . 2.75% . 23,541 $ 74,782

DERIVATIVES (Tables)

DERIVATIVES (Tables)	12 Months Ended
	Dec. 31, 2020
Derivatives [Abstract]
Cash flow hedges included in the Consolidated Statement of Financial Condition	Notional Fair Balance Sheet Weighted Ave (Dollars in Thousands) Value Location Interest rate swaps related to subordinated debt $ 30,000 $ 574 Other Assets 9.5
Net gains (losses) recorded in accumulated other comprehensive income	Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) in AOCI Category from AOCI to Income December 31, 2020 $ 428 Interest Expense $ (64)

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Schedule of composition of premises and equipment	(Dollars in Thousands) 2020 2019 Land $ 23,744 $ 23,594 Buildings 114,306 110,774 Fixtures and Equipment 55,916 47,814 Total 193,966 182,182 Accumulated Depreciation (107,175) (97,639) Premises and Equipment, Net $ 86,791 $ 84,543

LEASES (Table)

LEASES (Table)	12 Months Ended
	Dec. 31, 2020
Leases [Abstract]
Lease expense and other information related to the Company's operating leases	(Dollars in Thousands) 2020 2019 Operating lease expense $ 1,018 $ 325 Short-term lease expense 530 120 Total lease expense $ 1,548 $ 445 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 1,174 $ 331 Right-of-use assets obtained in exchange for new operating lease liabilities 11,101 1,739 Weighted-average 25.4 6.8 Weighted-average 2.1 % 2.9 %
Maturity of remaining lease liabilities	The table below summarizes the maturity of remaining (Dollars in Thousands) December 31, 2020 2021 $ 1,530 2022 1,374 2023 980 2024 930 2025 756 2026 and thereafter 11,129 Total $ 16,699 Less: Interest (3,899) Present value of lease liability $ 12,800

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Dec. 31, 2020
Other Real Estate [Abstract]
Schedule of other real estate owned activity	(Dollars in Thousands) 2020 2019 2018 Beginning Balance $ 953 $ 2,229 $ 3,941 Additions 2,297 1,298 2,140 Valuation (792) (300) (1,046) Sales (1,650) (2,274) (2,793) Other - - (13) Ending Balance $ 808 $ 953 $ 2,229
Schedule of net expenses	Net expenses applicable to other real estate owned for the (Dollars in Thousands) 2020 2019 2018 Gains from the Sale of Properties $ (1,218) $ (244) $ (2,288) Losses from the Sale of Properties 33 159 307 Rental Income from Properties - (4) (12) Property Carrying Costs 497 335 505 Valuation 792 300 1,046 Total $ 104 $ 546 $ (442)

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2020
Regulatory matters [Abstract]
Schedule of Interest bearing deposits	(Dollars in Thousands) 2020 2019 NOW Accounts $ 1,046,408 $ 902,499 Money Market Accounts 266,649 217,839 Savings Deposits 474,100 374,396 Time Deposits 101,594 106,021 Total Interest Bearing $ 1,888,751 $ 1,600,755
Schedule of maturities of time deposits	(Dollars in Thousands) 2020 2021 $ 83,989 2022 10,282 2023 3,812 2024 1,674 2025 and thereafter 1,837 Total $ 101,594
Schedule of interest expense on deposits	Interest expense on deposits for the three years ended (Dollars in Thousands) 2020 2019 2018 NOW Accounts $ 930 $ 5,502 $ 3,152 Money Market Accounts 223 946 675 Savings Deposits 207 182 172 Time Deposits < $250,000 179 201 234 Time Deposits > $250,000 9 9 10 Total $ 1,548 $ 6,840 $ 4,243

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2020
Short Term Borrowings [Abstract]
Schedule of Short-term borrowings	(Dollars in Thousands) Federal Funds Purchased Securities Sold Under Repurchase Agreements (1) Other Short-Term Borrowings (2) 2020 Balance at December 31 $ - $ 4,851 $ 74,803 Maximum indebtedness at any month end - 5,922 94,071 Daily average indebtedness outstanding 2 5,384 63,733 Average rate 2.56 % 0.10 % 4.36 % Average rate - % 0.04 % 3.00 % 2019 Balance at December 31 $ - $ 6,065 $ 339 Maximum indebtedness at any month end - 9,141 3,746 Daily average indebtedness outstanding 47 6,180 3,047 Average rate 2.85 % 0.91 % 1.73 % Average rate - % 0.46 % 4.11 % 2018 Balance at December 31 $ - $ 10,092 $ 3,449 Maximum indebtedness at any month end - 10,092 10,044 Daily average indebtedness outstanding 20 7,951 3,021 Average rate 2.41 % 0.49 % 2.31 % Average rate - % 0.88 % 1.61 % (1) Balances are fully collateralized by government treasury or agency securities held in the Company's investment portfolio. (2) Comprised of FHLB advances totaling $ 0.1 74.8

LONG-TERM BORROWINGS (Tables)

LONG-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2020
Long-term Borrowings [Abstract]
Schedule of minimum future principal payments on FHLB advances	(Dollars in Thousands) 2020 2021 $ 1,008 2022 1,170 2023 553 2024 210 2025 116 Total $ 3,057

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Schedule of provision for income taxes	(Dollars in Thousands) 2020 2019 2018 Current: Federal $ 8,625 $ 8,481 $ (1,617) State 1,658 247 201 10,283 8,728 (1,416) Deferred: Federal (143) (680) 3,620 State 130 1,913 1,285 Change in Valuation (40) (8) (68) (53) 1,225 4,837 Total: Federal 8,482 7,801 2,003 State 1,788 2,160 1,486 Change in Valuation (40) (8) (68) Total $ 10,230 $ 9,953 $ 3,421
Schedule of effective income tax rate reconciliation	(Dollars in Thousands) 2020 2019 2018 Tax Expense at Federal $ 11,106 $ 8,560 $ 6,225 Increases (Decreases) Resulting From: Tax-Exempt Interest (341) (425) (494) 2017 Provision to Return - Impact of Federal Tax - - (3,590) State Taxes, Net of 1,413 1,342 1,174 Other 601 294 348 Change in Valuation (40) (8) (68) Tax-Exempt Cash (173) (175) (174) Expense Due to Reduction of Florida Corporate Income Tax - 365 - Noncontrolling Interest (2,336) - - Actual Tax Expense $ 10,230 $ 9,953 $ 3,421
Schedule of deferred income tax liabilities and assets	(Dollars in Thousands) 2020 2019 Deferred Tax Assets Attributable Allowance for Loan Losses $ 6,037 $ 3,525 Accrued Pension/SERP 16,052 9,863 State Net Operating Loss and Tax 2,335 2,834 Other Real Estate Owned 1,066 957 Accrued SERP Liability 2,104 2,094 Lease Liability 2,581 637 Other 2,637 2,485 Total Deferred $ 32,812 $ 22,395 Deferred Tax Liabilities Depreciation on Premises and Equipment $ 4,408 $ 3,870 Deferred Loan Fees and Costs 2,824 2,445 Intangible Assets 3,290 3,290 Accrued Pension Liability 4,723 4,585 Right of Use Asset 2,411 441 Investments 469 469 Other 1,165 284 Total Deferred 19,290 15,384 Valuation 1,640 1,680 Net Deferred Tax $ 11,882 $ 5,331

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2020
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of stock purchase right estimated on the date of grant using weighted average assumption	2020 2019 2018 Dividend yield 2.4 % 2.0 % 1.4 % Expected volatility 45.6 % 17.4 % 18.7 % Risk-free interest rate 0.9 % 2.3 % 1.8 % Expected life (in years) 0.5 0.5 0.5

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2020
Employee benefits plans [Abstract]
Schedule of components of pension expense, the funded status of the plan, amounts recognized in the consolidated statements of financial condition, and major assumptions	(Dollars in Thousands) 2020 2019 2018 Change in Projected Benefit Obligation: Benefit Obligation at Beginning of Year $ 180,830 $ 149,347 $ 165,084 Service Cost 5,828 6,114 6,884 Interest Cost 5,612 6,178 5,661 Actuarial Loss (Gain) 32,172 25,715 (16,349) Benefits Paid (11,677) (6,255) (11,686) Expenses Paid (260) (269) (247) Special/Contractual Termination 61 - - Projected Benefit Obligation at End of Year $ 212,566 $ 180,830 $ 149,347 Change in Plan Assets: Fair Value $ 161,646 $ 134,535 $ 129,719 Actual Return (Loss) on Plan Assets 17,066 28,635 (6,251) Employer Contributions 5,000 5,000 23,000 Benefits Paid (11,677) (6,255) (11,686) Expenses Paid (260) (269) (247) Fair Value $ 171,775 $ 161,646 $ 134,535 Funded Status of Plan and Accrued Liability Recognized Other Liabilities $ 40,791 $ 19,184 $ 14,812 Accumulated Benefit Obligation at End of Year $ 177,362 $ 156,327 $ 130,477 Components of Net Periodic Benefit Costs: Service Cost $ 5,828 $ 6,114 $ 6,884 Interest Cost 5,612 6,178 5,661 Expected Return on Plan Assets (10,993) (9,527) (9,564) Amortization of Prior Service Costs 15 15 199 Special/Contractual Termination 61 - - Net Loss Amortization 3,933 3,862 3,673 Net Periodic Benefit Cost $ 4,456 $ 6,642 $ 6,853 Weighted-Average Discount Rate 2.88% 3.53% 4.43% Rate of Compensation Increase (1) 4.00% 4.00% 4.00% Measurement Date 12/31/20 12/31/19 12/31/18 Weighted-Average Discount Rate 3.53% 4.43% 3.71% Expected Return on Plan Assets 7.00% 7.25% 7.25% Rate of Compensation Increase (1) 4.00% 4.00% 3.25% Amortization Amounts from Accumulated Other Comprehensive Net Actuarial Loss (Gain) $ 26,098 $ 6,606 $ (533) Prior Service Cost (15) (15) (199) Net Loss (3,933) (3,862) (3,673) Deferred Tax (Benefit) (5,615) (694) 1,118 Other Comprehensive Loss (Gain), net of tax $ 16,535 $ 2,035 $ (3,287) Amounts Recognized in Accumulated Other Comprehensive Income: Net Actuarial Losses $ 59,400 $ 37,235 $ 34,491 Prior Service Cost 35 50 66 Deferred Tax Benefit (15,066) (9,451) (8,757) Accumulated Other Comprehensive Loss, net of tax $ 44,369 $ 27,834 $ 25,800 (1)
Schedule of pension plan asset allocation and the target asset allocation	Target Percentage of Plan Allocation Assets at December 31 (1) 2021 2020 2019 Equity Securities 65 % 71 % 72 % Debt Securities 30 % 21 % 19 % Cash and Cash Equivalents 5 % 8 % 9 % Total 100 % 100 % 100 % (1) Represents asset allocation at December 31 end cash contribution to the plan.
Schedule of fair value of plan assets by level of the valuation inputs within the fair value hierarchy	(Dollars in Thousands) 2020 2019 Level 1: U.S. Treasury Securities $ 405 $ 907 Mutual Funds 155,192 142,127 Cash and Cash Equivalents 12,789 13,943 Level 2: U.S. Government Agency 1,555 2,078 Corporate Notes/Bonds 1,834 2,591 Total Fair Value $ 171,775 $ 161,646
Schedule of expected benefit payments related to the defined benefit pension plan	Expected Benefit Payments. follows: (Dollars in Thousands) 2020 2021 $ 16,187 2022 15,728 2023 15,280 2024 15,208 2025 14,818 2026 through 2030 61,861 Total $ 139,082
Schedule of amounts contributed to the pension plan and the expected amount to be contributed	Expected Contribution (Dollars in Thousands) 2019 2020 2021 (1) Actual Contributions $ 5,000 $ 5,000 $ 5,000 For 2021, the Company will have the option to make
Schedule of components of SERP's periodic benefit cost, the funded status of the plan, amounts recognized in the consolidated statements of financial condition, and major assumptions	(Dollars in Thousands) 2020 2019 2018 Change in Projected Benefit Obligation: Benefit Obligation at Beginning of Year $ 10,244 $ 8,860 $ 7,285 Service Cost 31 - - Interest Cost 321 349 227 Actuarial Loss 1,826 1,035 1,348 Plan Amendments 980 - - Projected Benefit Obligation at End of Year $ 13,402 $ 10,244 $ 8,860 Funded Status of Plan and Accrued Liability Recognized Other Liabilities $ 13,402 $ 10,244 $ 8,860 Accumulated Benefit Obligation at End of Year $ 12,339 $ 8,778 $ 7,557 Components of Net Periodic Benefit Costs: Service Cost $ 31 $ - $ - Interest Cost 321 349 227 Amortization of Prior Service Cost 327 - - Net Loss Amortization 503 761 1,626 Net Periodic Benefit Cost $ 1,182 $ 1,110 $ 1,853 Weighted-Average Discount Rate 2.38% 3.16% 4.23% Rate of Compensation Increase (1) 4.00% 4.00% 4.00% Measurement Date 12/31/20 12/31/19 12/31/18 Weighted-Average Discount Rate 3.16% 4.23% 3.53% Rate of Compensation Increase (1) 3.50% 3.50% 3.25% Amortization Amounts from Accumulated Other Comprehensive Net Actuarial Loss $ 1,826 $ 1,035 $ 1,348 Prior Service Cost 895 - - Net Loss (458) (761) (1,626) Deferred Tax (Benefit) (573) (70) 71 Other Comprehensive Loss (Gain), net of tax $ 1,690 $ 204 $ (207) Amounts Recognized in Accumulated Other Comprehensive Income: Net Actuarial Loss $ 2,991 $ 1,622 $ 1,348 Prior Service Cost 895 - - Deferred Tax Benefit (985) (411) (341) Accumulated Other Comprehensive Loss, net of tax $ 2,901 $ 1,211 $ 1,007 (1)
Schedule of expected benefit payments related to the SERP	(Dollars in Thousands) 2020 2021 $ 5,218 2022 4,679 2023 2,882 2024 613 2025 48 2026 through 2030 254 Total $ 13,694

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
Schedule of computation of basic and diluted earnings per share	(Dollars and Per Share Data in Thousands) 2020 2019 2018 Numerator: Net Income $ 31,576 $ 30,807 $ 26,224 Denominator: Denominator for Basic Earnings Per Share Weighted 16,785 16,770 17,029 Effects of Dilutive Securities Stock Compensation 37 57 43 Denominator for Diluted Earnings Per Share Adjusted 16,822 16,827 17,072 Basic Earnings Per Share $ 1.88 $ 1.84 $ 1.54 Diluted Earnings Per Share $ 1.88 $ 1.83 $ 1.54

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2020
Regulatory matters [Abstract]
Schedule of Company and Bank's actual capital amounts and ratios	To Be Well Capitalized Under Required Prompt For Capital Corrective Actual Adequacy Purposes Action Provisions (Dollars in Thousands) Amount Ratio Amount Ratio Amount Ratio 2020 Common Equity Tier 1: CCBG $ 281,494 13.71% $ 92,424 4.50% * * CCB 302,147 14.75% 92,177 4.50% $ 133,145 6.50% Tier 1 Capital: CCBG 332,494 16.19% 123,232 6.00% * * CCB 302,147 14.75% 122,903 6.00% 163,870 8.00% Total CCBG 355,338 17.30% 164,310 8.00% * * CCB 324,991 15.87% 163,870 8.00% 204,838 10.00% Tier 1 Leverage: CCBG 332,494 9.33% 142,560 4.00% * * CCB 302,147 8.49% 142,280 4.00% 177,850 5.00% 2019 Common Equity Tier 1: CCBG $ 273,676 14.47% $ 85,131 4.50% * * CCB 304,340 16.14% 84,867 4.50% $ 122,585 6.50% Tier 1 Capital: CCBG 324,676 17.16% 113,509 6.00% * * CCB 304,340 16.14% 113,156 6.00% 150,874 8.00% Total CCBG 338,582 17.90% 151,345 8.00% * * CCB 318,245 16.87% 150,874 8.00% 188,593 10.00% Tier 1 Leverage: CCBG 324,676 11.25% 115,459 4.00% * * CCB 304,340 10.57% 115,168 4.00% 143,960 5.00% *

OTHER COMPREHENSIVE INCOME (L_2

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Schedule of other comprehensive income loss	Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount 2020 Investment Securities: Change in net unrealized gain (loss) on securities available $ 2,437 $ (628) $ 1,809 Amortization of losses on securities transferred from available held to maturity 36 (9) 27 Total Investment 2,473 (637) 1,836 Derivative: Change in net unrealized gain (loss) on effective $ 574 $ (146) $ 428 Benefit Plans: Reclassification adjustment for amortization of prior service (880) 223 (657) Reclassification adjustment for amortization of net loss 4,391 (1,113) 3,278 Current year actuarial loss (27,924) 7,078 (20,846) Total Benefit Plans (24,413) 6,188 (18,225) Total Other Comprehensive $ (21,366) $ 5,405 $ (15,961) 2019 Investment Securities: Change in net unrealized gain (loss) on securities available $ 3,790 $ (950) $ 2,840 Amortization of losses on securities transferred from available held to maturity 43 (11) 32 Total Investment 3,833 (961) 2,872 Benefit Plans: Reclassification adjustment for amortization of prior service 15 (4) 11 Reclassification adjustment for amortization of net loss 4,623 (1,170) 3,453 Current year actuarial loss (7,642) 1,940 (5,702) Total Benefit Plans (3,004) 766 (2,238) Total Other Comprehensive $ 829 $ (195) $ 634 2018 Investment Securities: Change in net unrealized gain (loss) on securities available $ (409) $ 103 $ (306) Amortization of losses on securities transferred from available held to maturity 55 (14) 41 Total Investment (354) 89 (265) Benefit Plans: Reclassification adjustment for amortization of prior service 199 (50) 149 Reclassification adjustment for amortization of net loss 5,299 (1,346) 3,953 Current year actuarial loss (815) 207 (608) Total Benefit Plans 4,683 (1,189) 3,494 Total Other Comprehensive $ 4,329 $ (1,100) $ 3,229
Activity in accumulated other comprehensive loss, net of tax	Accumulated other comprehensive loss was comprised of Accumulated Securities Other Available Interest Rate Retirement Comprehensive for Sale Swap Plans Loss Balance as of January 1, 2020 $ 864 $ - $ (29,045) $ (28,181) Other comprehensive income (loss) during the period 1,836 428 (18,225) (15,961) Balance as of December 31, 2020 $ 2,700 $ 428 $ (47,270) $ (44,142) Balance as of January 1, 2019 $ (2,008) $ - $ (26,807) $ (28,815) Other comprehensive income (loss) during the period 2,872 - (2,238) 634 Balance as of December 31, 2019 $ 864 $ - $ (29,045) $ (28,181) Balance as of January 1, 2018 $ (1,743) $ - $ (30,301) $ (32,044) Other comprehensive (loss) income during the period (265) - 3,494 3,229 Balance as of December 31, 2018 $ (2,008) $ - $ (26,807) $ (28,815)

OTHER NONINTEREST EXPENSE (Tabl

OTHER NONINTEREST EXPENSE (Tables)	12 Months Ended
	Dec. 31, 2020
Other Noninterest Expense [Abstract]
Schedule of components of other noninterest expense	(Dollars in Thousands) 2020 2019 2018 Legal Fees $ 1,570 $ 1,722 $ 2,055 Professional Fees 4,863 4,345 5,003 Telephone 2,869 2,645 2,224 Advertising 2,998 2,056 1,611 Processing Services 5,832 5,779 5,978 Insurance – Other 1,607 1,007 1,625 Pension – Other (216) 1,642 1,828 Other 11,396 9,079 9,197 Total $ 30,919 $ 28,275 $ 29,521

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	2020 2019 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 160,372 $ 596,572 $ 756,944 $ 114,903 $ 404,345 $ 519,248 Standby Letters of Credit 6,550 - 6,550 5,783 - 5,783 Total $ 166,922 $ 596,572 $ 763,494 $ 120,686 $ 404,345 $ 525,031 (1)

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of financial assets and financial liabilities measured at fair value on a recurring basis	(Dollars in Thousands) Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Value 2020 ASSETS: Securities Available U.S. Government Treasury $ 104,519 $ - $ - $ 104,519 U.S. Government Agency - 208,531 - 208,531 States and Political Subdivisions - 3,632 - 3,632 Mortgage-Backed Securities - 515 - 515 Equity Securities - 7,673 - 7,673 Held for Sale Loans - 114,039 - 114,039 Interest Rate Swap Derivative Asset - 574 - 574 Mortgage Banking Derivative Assets - - 4,825 4,825 LIABILITIES: Mortgage Banking Derivative Liabilities - 907 - 907 2019 ASSETS: Securities Available U.S. Government Treasury $ 232,778 $ - $ - $ 232,778 U.S. Government Agency - 156,078 - 156,078 State and Political Subdivisions - 6,319 - 6,319 Mortgage-Backed Securities - 773 - 773 Equity Securities - 7,653 - 7,653
Schedule of financial instruments with estimated fair values	2020 (Dollars in Thousands) Carrying Level 1 Level 2 Level 3 Value Inputs Inputs Inputs ASSETS: Cash $ 67,919 $ 67,919 $ - $ - Short-Term 860,630 860,630 - - Investment Securities, Available 324,870 104,519 220,351 - Investment Securities, Held to Maturity 169,939 5,014 170,161 - Loans Held for Sale 114,039 - 114,039 - Other Equity Securities (1) 3,589 - 3,589 - Interest Rate Swap Derivative Asset 574 - 574 - Mortgage Banking Derivative Asset 4,825 - - 4,825 Mortgage Servicing Rights 3,452 - - 3,451 Loans, Net of Allowance for Credit Losses 1,982,610 - - 1,990,740 LIABILITIES: Deposits $ 3,217,560 $ - $ 3,217,615 $ - Short-Term 79,654 - 79,654 - Subordinated Notes Payable 52,887 - 43,449 - Long-Term 3,057 - 3,174 - Mortgage Banking Derivative Liability 907 - 907 - (1) 2019 (Dollars in Thousands) Carrying Level 1 Level 2 Level 3 Value Inputs Inputs Inputs ASSETS: Cash $ 60,087 $ 60,087 $ - $ - Short-Term 318,336 318,336 - - Investment Securities, Available 403,601 232,778 170,823 - Investment Securities, Held to Maturity 239,539 20,042 221,387 - Loans Held for Sale 9,509 - 9,509 - Other Equity Securities 3,591 - 3,591 - Loans, Net of Allowance for Credit Losses 1,822,024 - - 1,804,930 LIABILITIES: Deposits $ 2,645,454 $ - $ 2,644,430 $ - Short-Term 6,404 - 6,404 - Subordinated Notes Payable 52,887 - 40,280 - Long-Term 6,514 - 6,623 -

PARENT COMPANY FINANCIAL INFO_2

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2020
Parent Company Financial Information [Abstract]
Schedule of condensed statements of financial condition of the parent company	(Dollars in Thousands, Except Per Share 2020 2019 ASSETS Cash and Due From Subsidiary Bank $ 39,718 $ 28,924 Investment in Subsidiary Bank 342,958 359,577 Other Assets 6,530 5,884 Total Assets $ 389,206 $ 394,385 LIABILITIES Long-Term $ 900 $ 1,500 Subordinated Notes Payable 52,887 52,887 Other Liabilities 14,582 12,982 Total Liabilities 68,369 67,369 SHAREOWNERS’ EQUITY Common Stock, $ .01 90,000,000 16,790,573 16,771,544 issued and outstanding at December 31, 2020 and December 31, 168 168 Additional Paid-In Capital 32,283 32,092 Retained Earnings 332,528 322,937 Accumulated Other Comprehensive Loss, Net of Tax (44,142) (28,181) Total Shareowners’ 320,837 327,016 Total Liabilities and $ 389,206 $ 394,385
Schedule of operating results of the parent company	(Dollars in Thousands) 2020 2019 2018 OPERATING INCOME Income Received from Subsidiary Bank: Administrative Fees $ 6,068 $ 6,517 $ 5,700 Dividends 21,000 19,000 15,000 Other Income 193 203 171 Total Operating 27,261 25,720 20,871 OPERATING EXPENSE Salaries and Associate Benefits 3,418 3,928 3,679 Interest on Subordinated Notes Payable 1,514 2,381 2,286 Professional Fees 1,079 1,196 1,210 Advertising 140 157 106 Legal Fees 456 391 166 Other 1,673 1,711 2,170 Total Operating 8,280 9,764 9,617 Earnings Before Income Taxes Earnings of Subsidiary Bank 18,981 15,956 11,254 Income Tax (Benefit) (406) (632) (901) Earnings Before Equity in Undistributed Earnings of Subsidiary 19,387 16,588 12,155 Equity in Undistributed Earnings of Subsidiary Bank 12,189 14,219 14,069 Net Income $ 31,576 $ 30,807 $ 26,224
Schedule of cash flows for the parent company	(Dollars in Thousands) 2020 2019 2018 CASH FLOWS FROM OPERATING Net Income $ 31,576 $ 30,807 $ 26,224 Adjustments to Reconcile Net Income to Net Cash Provided Equity in Undistributed Earnings of Subsidiary Bank (12,189) (14,219) (14,069) Stock Compensation 892 1,569 1,421 (Increase) Decrease in Other Assets (217) (445) (327) Increase in Other Liabilities 1,900 1,557 1,579 Net Cash Provided By Operating Activities 21,962 19,269 14,828 CASH FROM FINANCING ACTIVITIES: Repayment of Long-Term (600) (600) (600) Dividends Paid (9,567) (8,047) (5,457) Issuance of Common Stock Under Compensation Plans 1,041 1,054 797 Payments to Repurchase Common Stock (2,042) (1,805) (8,030) Net Cash Used In Financing Activities (11,168) (9,398) (13,290) Net Increase in Cash 10,794 9,871 1,538 Cash at Beginning of Year 28,924 19,053 17,515 Cash at End of Year $ 39,718 $ 28,924 $ 19,053

SIGNIFICANT ACCOUNTING POLICI_4

SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) - USD ($)		Mar. 01, 2020	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
Business combination abstract
Business Acquisition, Name of Acquired Entity		Brand Mortgage Group, LLC
Acquisition of equity interest in Brand Mortgage, LLC		51.00%	51.00%
Total assets acquired		$ 52,000,000
Liabilities assumed		42,000,000
Payments to Acquire Businesses, Gross		7,100,000
Temporary Equity		$ 7,400,000	$ 22,000,000		$ 0
Noncontrolling interest in subsidiary		49.00%
Additional goodwill, Brand Mortgage Group		$ 4,300,000
Relcasification from permenent to temporary equity	[1]		9,323,000
Restricted cash balance			600,000
Average federal reserves			0		29,700,000
Impact of ASC 326 [Line Items]
Liabilities			3,455,234,000		2,761,937,000
Retained Earnings			332,528,000		322,937,000
Deferred Tax Assets, Net			11,882,000		5,331,000
Financing Receivable, Allowance for Credit Loss			23,816,000	$ 17,174,000	$ 13,905,000
Impact of Adoption of ASC 326 [Member]
Impact of ASC 326 [Line Items]
Liabilities				4,000,000
Retained Earnings				(3,100,000)
Deferred Tax Assets, Net				900,000
Financing Receivable, Allowance for Credit Loss				3,269,000
Impact of Adoption of ASC 326 [Member] | Unfunded Loan Commitment [Member]
Impact of ASC 326 [Line Items]
Financing Receivable, Allowance for Credit Loss				$ 700,000
Impact of Adoption of ASC 326 [Member] | Minimum [Member] | Independent appraisal of underlying collateral [Member]
Impact of ASC 326 [Line Items]
Collateral-dependent loans			250,000
Impact of Adoption of ASC 326 [Member] | Maximum [Member] | Loss rates for similar loan types [Member]
Impact of ASC 326 [Line Items]
Collateral-dependent loans			$ 250,000
Premises [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life (in years)			10 years
Premises [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life (in years)			40 years
Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life (in years)			3 years
Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful life (in years)			10 years
[1]	Adjustments to redemption value for non-controlling interest in CCHL

SIGNIFICANT ACCOUNTING POLICI_5

SIGNIFICANT ACCOUNTING POLICIES - impact of adopting ASC 326 (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 23,816	$ 17,174	$ 13,905
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures		815	157
Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		3,269
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures		658
Commercial, Financial, Agricultural [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	2,204	2,163	1,675
Commercial, Financial, Agricultural [Member] | Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		488
Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	2,479	672	370
Real Estate - Construction [Member] | Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		302
Real Estate - Commercial Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	7,029	4,874	3,416
Real Estate - Commercial Mortgage [Member] | Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		1,458
Real Estate - Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	5,440	4,371	3,128
Real Estate - Residential [Member] | Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		1,243
Real Estate - Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	3,111	2,598	2,224
Real Estate - Home Equity [Member] | Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		374
Consumer, Other Loans and Overdrafts [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 3,553	2,496	$ 3,092
Consumer, Other Loans and Overdrafts [Member] | Impact of Adoption of ASC 326 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Allowance for Credit Loss		$ (596)

INVESTMENT SECURITIES- Investme

INVESTMENT SECURITIES- Investment Portfolio Composition (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale
Amortized Cost	$ 321,191	$ 402,358
Unrealized Gains	3,863	1,635
Unrealized Losses	184	392
Market Value	324,870	403,601
Federal Home Loan Bank	2,900
Federal Reserve Bank stock	4,800
Held to Maturity
Amortized Cost	169,939	239,539
Unrealized Gains	5,236	2,079
Unrealized Losses	0	189
Market Value	175,175	241,429
Available For Sale Securities And Held To Maturity Securities [Abstract]
Amortized Cost	491,130	641,897
Unrealized Gains	9,099	3,714
Unrealized Loss	184	581
Fair Value	500,045	645,030
U.S. Treasury [Member]
Available-for-sale
Amortized Cost	103,547	231,996
Unrealized Gains	972	849
Unrealized Losses	0	67
Market Value	104,519	232,778
Held to Maturity
Amortized Cost	5,001	20,036
Unrealized Gains	13	15
Unrealized Losses	0	9
Market Value	5,014	20,042
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost	205,972	155,706
Unrealized Gains	2,743	697
Unrealized Losses	184	325
Market Value	208,531	156,078
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost	3,543	6,310
Unrealized Gains	89	9
Unrealized Losses	0	0
Market Value	3,632	6,319
Held to Maturity
Amortized Cost	0	1,376
Unrealized Gains	0	0
Unrealized Losses	0	0
Market Value	0	1,376
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost	456	693
Unrealized Gains	59	80
Unrealized Losses	0
Market Value	515	773
Held to Maturity
Amortized Cost	164,938	218,127
Unrealized Gains	5,223	2,064
Unrealized Losses	0	180
Market Value	170,161	220,011
Equity Securities [Member]
Available-for-sale
Amortized Cost	7,673	7,653
Unrealized Gains	0
Unrealized Losses	0
Market Value	$ 7,673	$ 7,653

INVESTMENT SECURITIES - Maturit

INVESTMENT SECURITIES - Maturity Distribution (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Amortized Cost
Due in one year or less	$ 104,382
Due after one through five years	28,057
Total Investment Securities	321,191
Market Value
Due in one year or less	105,245
Due after one through five years	28,269
Total Investment Securities	324,870
Amortized Cost
Due in one year or less	5,001
Due after one through five years	0
Total Investment Securities	169,939	$ 239,539
Market Value
Due in one year or less	5,014
Due after one through five years	0
Total Investment Securities	175,175	241,429
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	456
Market Value
Due without single maturity date	515
Amortized Cost
Due without single maturity date	164,938
Total Investment Securities	164,938	$ 218,127
Market Value
Due without single maturity date	170,161
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	180,623
Market Value
Due without single maturity date	183,168
Equity Securities [Member]
Amortized Cost
Due without single maturity date	7,673
Market Value
Due without single maturity date	$ 7,673

INVESTMENT SECURITIES - Unreali

INVESTMENT SECURITIES - Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale securities
Less Than 12 Months, Market Value	$ 28,266	$ 46,902
Less Than 12 Months, Unrealized Losses	156	244
Greater Than 12 Months, Market Value	4,670	110,674
Greater Than 12 Months, Unrealized Losses	28	148
Total Market Value	32,936	157,576
Total Unrealized Losses	184	392
Held-to-maturity debt securities
Less Than 12 Months, Market Value		23,614
Less Than 12 Months, Unrealized Losses		42
Greater Than 12 Months, Market Value		31,049
Greater Than 12 Months Or Longer, Unrealized Losses		147
Total Market Value		54,663
Total Unrealized Losses		189
U.S. Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Market Value		9,955
Less Than 12 Months, Unrealized Losses		0
Greater Than 12 Months, Market Value		93,310
Greater Than 12 Months, Unrealized Losses		67
Total Market Value		103,265
Total Unrealized Losses		67
Held-to-maturity debt securities
Less Than 12 Months, Market Value		0
Less Than 12 Months, Unrealized Losses		0
Greater Than 12 Months, Market Value		15,022
Greater Than 12 Months Or Longer, Unrealized Losses		9
Total Market Value		15,022
Total Unrealized Losses		9
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	28,266	36,361
Less Than 12 Months, Unrealized Losses	156	244
Greater Than 12 Months, Market Value	4,670	17,364
Greater Than 12 Months, Unrealized Losses	28	81
Total Market Value	32,936	53,725
Total Unrealized Losses	$ 184	325
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Market Value		578
Less Than 12 Months, Unrealized Losses		0
Greater Than 12 Months, Market Value		0
Greater Than 12 Months, Unrealized Losses		0
Total Market Value		578
Total Unrealized Losses		0
Held-to-maturity debt securities
Less Than 12 Months, Market Value		1,033
Less Than 12 Months, Unrealized Losses		0
Greater Than 12 Months, Market Value		0
Greater Than 12 Months Or Longer, Unrealized Losses		0
Total Market Value		1,033
Total Unrealized Losses		0
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Market Value		8
Less Than 12 Months, Unrealized Losses		0
Greater Than 12 Months, Market Value		0
Greater Than 12 Months, Unrealized Losses		0
Total Market Value		8
Total Unrealized Losses		0
Held-to-maturity debt securities
Less Than 12 Months, Market Value		22,581
Less Than 12 Months, Unrealized Losses		42
Greater Than 12 Months, Market Value		16,027
Greater Than 12 Months Or Longer, Unrealized Losses		138
Total Market Value		38,608
Total Unrealized Losses		$ 180

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Millions	Dec. 31, 2020USD ($)Securities	Dec. 31, 2019USD ($)
Investments, Debt and Equity Securities [Abstract]
Securities pledged to secure public deposits	$ 308.2	$ 353.8
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Securities	47
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position, Accumulated Loss	$ 0.2

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - Loan Portfolio Composition (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	$ 2,006,426	$ 1,835,929
Net deferred fees	100	1,800
Loans in process with outstanding balances	10,900	8,300
SBA PPP Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Net deferred fees	3,200
Commercial, Financial, Agricultural [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	393,930	255,365
Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	135,831	115,018
Real Estate - Commercial Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	648,393	625,556
Real Estate - Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	352,543	361,450
Real Estate - Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	205,479	197,360
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	270,250	281,180
Consumer [Member] | Overdraft deposits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Held for Investment	$ 700	$ 1,600

LOANS HELD FOR INVESTMENT AND_4

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - allowance for loan losses by portfolio segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Activity in the allowance for loan losses by portfolio class
Beginning Balance	$ 13,905	$ 14,210	$ 13,307
Provision for Credit Losses		2,027	2,921
Charge-Offs		(4,971)	(4,674)
Recoveries		2,639	2,656
Net Charge-Offs		(2,332)	(2,018)
Ending Balance		13,905	14,210
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	13,905
Provision for credit losses	9,035
Charge-Offs	(6,160)
Recoveries	3,767
Net loan charge-offs	(2,393)
Ending Balance	23,816	13,905
Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,269
Ending Balance		3,269
Commercial, Financial, Agricultural [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,675	1,434	1,191
Provision for Credit Losses		664	428
Charge-Offs		(768)	(644)
Recoveries		345	459
Net Charge-Offs		(423)	(185)
Ending Balance		1,675	1,434
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,675
Provision for credit losses	578
Charge-Offs	(789)
Recoveries	252
Net loan charge-offs	(537)
Ending Balance	2,204	1,675
Commercial, Financial, Agricultural [Member] | Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	488
Ending Balance		488
Real Estate - Construction [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	370	280	122
Provision for Credit Losses		371	139
Charge-Offs		(281)	(7)
Recoveries		0	26
Net Charge-Offs		(281)	19
Ending Balance		370	280
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	370
Provision for credit losses	1,757
Charge-Offs	0
Recoveries	50
Net loan charge-offs	50
Ending Balance	2,479	370
Real Estate - Construction [Member] | Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	302
Ending Balance		302
Real Estate - Commercial Mortgage [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	3,416	4,181	4,346
Provision for Credit Losses		(1,129)	(223)
Charge-Offs		(214)	(315)
Recoveries		578	373
Net Charge-Offs		364	58
Ending Balance		3,416	4,181
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,416
Provision for credit losses	1,865
Charge-Offs	(28)
Recoveries	318
Net loan charge-offs	290
Ending Balance	7,029	3,416
Real Estate - Commercial Mortgage [Member] | Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,458
Ending Balance		1,458
Real Estate - Residential [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	3,128	3,400	3,206
Provision for Credit Losses		(301)	331
Charge-Offs		(400)	(780)
Recoveries		429	643
Net Charge-Offs		29	(137)
Ending Balance		3,128	3,400
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,128
Provision for credit losses	940
Charge-Offs	(150)
Recoveries	279
Net loan charge-offs	129
Ending Balance	5,440	3,128
Real Estate - Residential [Member] | Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,243
Ending Balance		1,243
Real Estate - Home Equity [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	2,224	2,301	2,506
Provision for Credit Losses		178	137
Charge-Offs		(430)	(533)
Recoveries		175	191
Net Charge-Offs		(255)	(342)
Ending Balance		2,224	2,301
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,224
Provision for credit losses	486
Charge-Offs	(151)
Recoveries	178
Net loan charge-offs	27
Ending Balance	3,111	2,224
Real Estate - Home Equity [Member] | Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	374
Ending Balance		374
Consumer [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	3,092	2,614	1,936
Provision for Credit Losses		2,244	2,109
Charge-Offs		(2,878)	(2,395)
Recoveries		1,112	964
Net Charge-Offs		(1,766)	(1,431)
Ending Balance		3,092	$ 2,614
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,092
Provision for credit losses	3,409
Charge-Offs	(5,042)
Recoveries	2,690
Net loan charge-offs	(2,352)
Ending Balance	3,553	3,092
Consumer [Member] | Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ (596)
Ending Balance		$ (596)

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - aging of the amortized cost basis in accruing past due loans by class (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Aging of the recorded investment in past due loans by class of loans
Total Past Due	$ 4,594	$ 4,871
Total Current	1,995,961	1,826,586
Nonaccrual Loans	5,871	4,472
Total Loans	2,006,426	1,835,929
Commercial, Financial, Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	318	680
Total Current	393,451	254,239
Nonaccrual Loans	161	446
Total Loans	393,930	255,365
Real Estate - Construction [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	717	310
Total Current	134,935	114,708
Nonaccrual Loans	179	0
Total Loans	135,831	115,018
Real Estate - Commercial Mortgage [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	293	232
Total Current	646,688	623,890
Nonaccrual Loans	1,412	1,434
Total Loans	648,393	625,556
Real Estate - Residential [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	905	825
Total Current	348,508	359,233
Nonaccrual Loans	3,130	1,392
Total Loans	352,543	361,450
Real Estate - Home Equity [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	463	175
Total Current	204,321	196,388
Nonaccrual Loans	695	797
Total Loans	205,479	197,360
Consumer [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	1,898	2,649
Total Current	268,058	278,128
Nonaccrual Loans	294	403
Total Loans	270,250	281,180
30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	2,743	3,721
30-59 DPD [Member] | Commercial, Financial, Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	194	489
30-59 DPD [Member] | Real Estate - Construction [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	300
30-59 DPD [Member] | Real Estate - Commercial Mortgage [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	293	148
30-59 DPD [Member] | Real Estate - Residential [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	375	629
30-59 DPD [Member] | Real Estate - Home Equity [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	325	155
30-59 DPD [Member] | Consumer [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	1,556	2,000
60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	1,851	1,150
60-89 DPD [Member] | Commercial, Financial, Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	124	191
60-89 DPD [Member] | Real Estate - Construction [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	717	10
60-89 DPD [Member] | Real Estate - Commercial Mortgage [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	84
60-89 DPD [Member] | Real Estate - Residential [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	530	196
60-89 DPD [Member] | Real Estate - Home Equity [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	138	20
60-89 DPD [Member] | Consumer [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	342	649
90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	0
90 +DPD [Member] | Commercial, Financial, Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	0
90 +DPD [Member] | Real Estate - Construction [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	0
90 +DPD [Member] | Real Estate - Commercial Mortgage [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	0
90 +DPD [Member] | Real Estate - Residential [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	0
90 +DPD [Member] | Real Estate - Home Equity [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	0	0
90 +DPD [Member] | Consumer [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_6

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - nonaccrual loans and loans past due over 90 days (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	$ 2,588	$ 1,185
Nonaccrual With ACL	3,283	3,287
90 + Days Still Accruing	0	0
Commercial, Financial, Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	0	0
Nonaccrual With ACL	161	446
90 + Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	0	0
Nonaccrual With ACL	179	0
90 + Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	1,075	958
Nonaccrual With ACL	337	476
90 + Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	1,513	227
Nonaccrual With ACL	1,617	1,165
90 + Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	0	0
Nonaccrual With ACL	695	797
90 + Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	0	0
Nonaccrual With ACL	294	403
90 + Days Still Accruing	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_7

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - amortized cost basis of collateral dependent loans (Details) $ in Thousands	Dec. 31, 2020USD ($)
Real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	$ 7,141
Non real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	29
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	3,900
Real Estate - Commercial Mortgage [Member] | Non real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	0
Real Estate - Residential [Member] | Real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	3,022
Real Estate - Residential [Member] | Non real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	0
Real Estate - Home Equity [Member] | Real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	219
Real Estate - Home Equity [Member] | Non real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	0
Consumer [Member] | Real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	0
Consumer [Member] | Non real estate secured [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent loans	$ 29

LOANS HELD FOR INVESTMENT AND_8

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - Loans held for investment by years of origination) (Details) $ in Thousands	Dec. 31, 2020USD ($)
Commercial, Financial, Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	$ 231,817
2019	45,850
2018	36,183
2017	15,357
2016	13,371
Prior	10,129
Revolving	41,223
Total	393,930
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	71,173
2019	53,062
2018	7,369
2017	1,592
2016	0
Prior	0
Revolving	2,635
Total	135,831
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	160,746
2019	102,486
2018	140,566
2017	81,405
2016	45,914
Prior	96,452
Revolving	20,824
Total	648,393
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	102,102
2019	68,717
2018	44,387
2017	41,217
2016	20,357
Prior	69,057
Revolving	6,706
Total	352,543
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	1,385
2019	313
2018	244
2017	830
2016	183
Prior	2,238
Revolving	200,286
Total	205,479
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	1,385
2019	313
2018	244
2017	830
2016	183
Prior	2,238
Revolving	199,591
Total	204,784
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving	695
Total	695
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	105,612
2019	70,050
2018	51,562
2017	24,613
2016	10,647
Prior	2,539
Revolving	5,227
Total	270,250
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	105,551
2019	69,941
2018	51,513
2017	24,613
2016	10,639
Prior	2,472
Revolving	5,227
Total	269,956
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	61
2019	109
2018	49
2017	0
2016	8
Prior	67
Revolving	0
Total	294
Pass [Member] | Commercial, Financial, Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	231,805
2019	45,651
2018	35,866
2017	15,212
2016	13,321
Prior	10,051
Revolving	41,214
Total	393,120
Pass [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	71,173
2019	51,634
2018	7,369
2017	1,592
2016	0
Prior	0
Revolving	2,635
Total	134,403
Pass [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	156,011
2019	93,424
2018	131,180
2017	78,474
2016	45,507
Prior	88,397
Revolving	19,933
Total	612,926
Pass [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	100,704
2019	66,893
2018	42,884
2017	40,205
2016	19,231
Prior	66,119
Revolving	6,706
Total	342,742
Special Mention [Member] | Commercial, Financial, Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	0
2019	4
2018	28
2017	0
2016	0
Prior	58
Revolving	0
Total	90
Special Mention [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	4,165
2019	8,932
2018	9,249
2017	244
2016	379
Prior	6,172
Revolving	397
Total	29,538
Special Mention [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	141
2019	24
2018	126
2017	175
2016	236
Prior	446
Revolving	0
Total	1,148
Substandard [Member] | Commercial, Financial, Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	12
2019	195
2018	289
2017	145
2016	50
Prior	20
Revolving	9
Total	720
Substandard [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	0
2019	1,428
2018	0
2017	0
2016	0
Prior	0
Revolving	0
Total	1,428
Substandard [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	570
2019	130
2018	137
2017	2,687
2016	28
Prior	1,883
Revolving	494
Total	5,929
Substandard [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2020	1,257
2019	1,800
2018	1,377
2017	837
2016	890
Prior	2,492
Revolving	0
Total	$ 8,653

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES - Narratives (Details)	12 Months Ended
	Dec. 31, 2020USD ($)LoanContracts	Dec. 31, 2019USD ($)LoanContracts	Dec. 31, 2018USD ($)LoanContracts	Jan. 01, 2020USD ($)
Loans, net [Abstract]
Accrued interest receivable	$ 6,900,000	$ 5,500,000
Interest income on nonaccrual loans	52,000	35,000
Real estate loans for which formal foreclosure proceedings were in process	1,600,000	1,200,000
TDRs	14,300,000	17,600,000
TDRs performing in accordance with modified terms	13,900,000	16,900,000
Estimated loan loss reserves	$ 600,000	$ 1,500,000
Number of Contracts | LoanContracts	3	7	6
TDRs, for which there was a payment default and the loans were modified within the twelve months prior to default	$ 0	$ 0
Loan modified with a recorded investment	200,000	500,000	$ 700,000
Purchase of real estate secured adjustable rate loans	48,400,000	25,200,000
Net deferred fees	100,000	1,800,000
Financing Receivable, Allowance for Credit Loss	23,816,000	$ 13,905,000		$ 17,174,000
Provision For Loan Losses Expensed	9,035,000
Net loan charge-offs	(2,393,000)
Adjustments related to Covid 19 [Member]
Financing Receivable, Allowance for Credit Loss	6,600,000
Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss				3,269,000
Pre-tax cumulative effect transition adjustment				$ 3,300,000
Provision For Loan Losses Expensed	9,000,000
Net loan charge-offs	$ 2,400,000

MORTGAGE BANKING ACTIVITIES - U

MORTGAGE BANKING ACTIVITIES - Unpaid principal balance (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Other Assets	$ 101,370	$ 65,550
Other Liabilities	102,076	50,678
Loans Held For Sale, at fair value	114,039	$ 9,509
Residential Mortgage [Member]
Loans held-for-sale	109,831
Loans Held For Sale, at fair value	114,039
Fair value	117,957
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other Assets	147,494
Other assets fair value	4,825
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other Liabilities	158,500
Other liabilities at fair value	$ (907)

MORTGAGE BANKING ACTIVITIES - M

MORTGAGE BANKING ACTIVITIES - Mortgage banking revenue (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Net Realized Gains on Sales of Mortgage Loans	$ 63,344	$ 5,321	$ 4,735
Mortgage Servicing Rights Additions		0	0
Mortgage Banking Revenues [Member]
Net Realized Gains on Sales of Mortgage Loans	59,709
Net Change in Unrealized Gain on Mortgage Loans Held for Sale	2,926
Net Change in the Fair Value of Mortgage Loan Commitments (IRLCs)	2,625
Net Change in the Fair Value of Forward Sales Contracts	284
Pair-Offs on Net Settlement of Forward Sales Contracts	(9,602)
Mortgage Servicing Rights Additions	3,448
Net orignination fees	3,954
Total mortgage banking revenues	$ 63,344	$ 5,321	$ 4,735

MORTGAGE BANKING ACTIVITIES - S

MORTGAGE BANKING ACTIVITIES - Summary of mortgage servicing rights (Details) - Residential Mortgage [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)LoanContracts
Servicing Assets at Fair Value [Line Items]
Number of Residential Mortgage Loans Serviced for Others | LoanContracts	1,796
Outstanding Principal Balance of Residential Mortgage Loans Serviced for Others | $	$ 456,135
Weighted Average Interest Rate	3.64%
Remaining contractual term (in months)	321 months

MORTGAGE BANKING ACTIVITIES - C

MORTGAGE BANKING ACTIVITIES - Capitalized mortgage servicing rights (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Servicing Asset at Fair Value, Amount [Roll Forward
Beginning Balance	$ 910
Additions due to loans sold with servicing retained	3,448
Deletions and amortization	(656)
Valuation Provision (temporary impairment)	(250)
Ending Balance	$ 3,452

MORTGAGE BANKING ACTIVITIES - K

MORTGAGE BANKING ACTIVITIES - Key unobservable inputs used in determining the fair value (Details)	12 Months Ended
	Dec. 31, 2020
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount Rates	15.00%
Annual prepayment speeds	23.64%
Cost of Servicing (Basis points)	1.10%
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount Rates	11.00%
Annual prepayment speeds	13.08%
Cost of Servicing (Basis points)	0.90%

MORTGAGE BANKING ACTIVITIES - W

MORTGAGE BANKING ACTIVITIES - Warehouse Line Borrowings (Details) - Warehouse Line Borrowings [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Short-term Debt [Line Items]
Line of credit outstanding	$ 74,782
Line of credit agreement expiring Ocotber 2021 [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 25,000
Description of interest rate basis	Interest is at LIBOR plus 2.25%
Interest rate, basis spread (in percent)	2.25%
Floor rate	3.50%
Line of credit outstanding	$ 11,256
Cash pledge deposit	$ 100
Line of Credit Facility, Expiration Date	Oct. 31, 2021
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50,000
Description of interest rate basis	Interest is at the LIBOR plus 2.24% to 3.00%
Floor rate	3.25%
Line of credit outstanding	$ 39,985
Cash pledge deposit	$ 500
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Interest rate, basis spread (in percent)	3.00%
Master Repurchase Agreement [Member] | Minimum [Member]
Short-term Debt [Line Items]
Interest rate, basis spread (in percent)	2.24%
Line of credit expiring September 30, 2021 [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50,000
Description of interest rate basis	Interest is at the LIBOR plus 2.75%
Interest rate, basis spread (in percent)	2.75%
Line of credit outstanding	$ 23,541
Line of Credit Facility, Expiration Date	Sep. 30, 2021

MORTGAGE BANKING ACTIVITIES - N

MORTGAGE BANKING ACTIVITIES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Mar. 01, 2020
Mortgage Banking Activities [Abstract]
Residential mortgage loans held for sale that were 90 days or more outstanding	$ 600,000
Percentage of FNMA loan type of total loans serviced	63.00%
Percentage of GNMA loan type of total loans serviced	13.00%
Percentage of Private Investor loan type of total loans serviced	24.00%
Weighted average prepayment speed	17.10%
Warehouse lines of credit extended to CCHL	$ 50,000,000
Interest in CCHL subsidiary entity	51.00%	51.00%
Balance of lines of credit receivable from CCHL	$ 30,000,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	0
Delinquent residential mortgage loans currently in GNMA pools	$ 4,900,000

DERIVATIVES - Cash flow hedges

DERIVATIVES - Cash flow hedges included in the Consolidated Statement of Financial Condition (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000
Fair Value	$ 574
Weighted average rate paid (Fixed)	2.50%
Weighted average maturity years	9 years 6 months
LIBOR plus a weighted average margin	1.83%

DERIVATIVES - Net gains (losses

DERIVATIVES - Net gains (losses) recorded in accumulated other comprehensive income (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Collateral liabilities	$ 500
Interest rate product [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	428
Amount of Gain (Loss) Reclassified from AOCI to Income	(64)
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 100

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Total	$ 193,966	$ 182,182
Accumulated Depreciation	(107,175)	(97,639)
Premises and Equipment, Net	86,791	84,543
Depreciation	7,230	6,253	$ 6,453
Land [Member]
Property, Plant and Equipment [Line Items]
Total	23,744	23,594
Buildings [Member]
Property, Plant and Equipment [Line Items]
Total	114,306	110,774
Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Total	$ 55,916	$ 47,814

LEASES - lease expense and othe

LEASES - lease expense and other information related to the Company's operating leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Lease expenses:
Operating lease expense	$ 1,018	$ 325
Short-term lease expense	530	120
Total lease expense	1,548	445
Other information:
Operating cash flows from operating leases	1,174	331
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 11,101	$ 1,739
Weighted-average remaining lease term - operating leases (in years )	25 years 4 months 24 days	6 years 9 months 18 days
Operating Lease, Weighted Average Discount Rate, Percent	2.10%	2.90%

LEASES - maturity of remaining

LEASES - maturity of remaining lease liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2021	$ 1,530
2022	1,374
2023	980
2024	930
2025	756
2026 and thereafter	11,129
Total	16,699
Less: Interest	(3,899)
Present value of lease liability	$ 12,800	$ 2,500

LEASES - Narrative (Details)

LEASES - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Lessee Lease Description [Line Items]
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Total Liabilities
Right-of-use (ROU) assets	$ 12,000	$ 1,700
Operating lease liability	$ 12,800	$ 2,500
Lessee, Operating Lease, Lease Not yet Commenced, Description	At December 31, 2020, the Company had two additional operating lease obligations for banking offices (to be constructed) that have not yet commenced.
Total lease payments	$ 16,699
Operating leases related party transaction [Member]
Lessee Lease Description [Line Items]
Total lease payments	800
Operating leases minimum annual payment	200
First Lease arrangement [Member]
Lessee Lease Description [Line Items]
Total lease payments	$ 1,900
Lessee, Operating Lease, Term of Contract for two new leases	15 years
Second lease arrangement [Member]
Lessee Lease Description [Line Items]
Total lease payments	$ 2,900
Lessee, Operating Lease, Term of Contract for two new leases	15 years
Minimum [Member]
Lessee Lease Description [Line Items]
Remaining lease term of operating lease	1 year
Maximum [Member]
Lessee Lease Description [Line Items]
Remaining lease term of operating lease	45 years

GOODWILL (Details)

GOODWILL (Details) - USD ($)	Mar. 01, 2020	Dec. 31, 2020	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill		$ 89,095,000	$ 84,811,000
Goodwill impairment		$ 0
Business combination abstract
Business Acquisition, Name of Acquired Entity	Brand Mortgage Group, LLC
Acquisition of equity interest in Brand Mortgage, LLC	51.00%	51.00%
Payments to Acquire Businesses, Gross	$ 7,100,000
Additional goodwill, Brand Mortgage Group	$ 4,300,000

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other Real Estate [Roll Forward]
Beginning Balance	$ 953	$ 2,229	$ 3,941
Additions	2,297	1,298	2,140
Valuation Write-Downs	(792)	(300)	(1,046)
Sales	(1,650)	(2,274)	(2,793)
Other	0	0	(13)
Ending Balance	$ 808	$ 953	$ 2,229

OTHER REAL ESTATE OWNED - Net e

OTHER REAL ESTATE OWNED - Net expenses applicable (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other Real Estate [Abstract]
Gains from the Sale of Properties	$ (1,218)	$ (244)	$ (2,288)
Losses from the Sale of Properties	33	159	307
Rental Income from Properties	0	(4)	(12)
Property Carrying Costs	497	335	505
Valuation Adjustments	792	300	1,046
Total	$ 104	$ 546	$ (442)

DEPOSITS - The composition of (

DEPOSITS - The composition of (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits:
NOW Accounts	$ 1,046,408	$ 902,499
Money Market Accounts	266,649	217,839
Savings Deposits	474,100	374,396
Time Deposits	101,594	106,021
Total Interest Bearing Deposits	$ 1,888,751	$ 1,600,755

DEPOSITS - the scheduled maturi

DEPOSITS - the scheduled maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deposits:
2021	$ 83,989
2022	10,282
2023	3,812
2024	1,674
2025 and thereafter	1,837
Total	$ 101,594	$ 106,021

DEPOSITS - Interest expense (De

DEPOSITS - Interest expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Deposits:
NOW Accounts	$ 930	$ 5,502	$ 3,152
Money Market Accounts	223	946	675
Savings Deposits	207	182	172
Time Deposits less than $250,000	179	201	234
Time Deposits more than $250,000	9	9	10
Total	$ 1,548	$ 6,840	$ 4,243

DEPOSITS - Narrative (Details)

DEPOSITS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Deposits:
Overdrawn deposit accounts of loan	$ 0.7	$ 1.6
Time deposits that meet or exceed the FDIC insurance limit of $250,000	$ 8.5	$ 7

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Balance at December 31		$ 79,654	$ 6,404
Federal Funds Purchased [Member]
Short-term Debt [Line Items]
Balance at December 31		0	0	$ 0
Maximum indebtedness at any month end		0	0	0
Daily average indebtedness outstanding		$ 2	$ 47	$ 20
Average rate paid for the year (in percent)		2.56%	2.85%	2.41%
Average rate paid on period-end borrowings (in percent)		0.00%	0.00%	0.00%
Securities Sold Under Repurchase Agreements [Member]
Short-term Debt [Line Items]
Balance at December 31	[1]	$ 4,851	$ 6,065	$ 10,092
Maximum indebtedness at any month end	[1]	5,922	9,141	10,092
Daily average indebtedness outstanding	[1]	$ 5,384	$ 6,180	$ 7,951
Average rate paid for the year (in percent)		0.10%	0.91%	0.49%
Average rate paid on period-end borrowings (in percent)		0.04%	0.46%	0.88%
Other Short-Term Borrowings [Member]
Short-term Debt [Line Items]
Balance at December 31	[2]	$ 74,803	$ 339	$ 3,449
Maximum indebtedness at any month end	[2]	94,071	3,746	10,044
Daily average indebtedness outstanding	[2]	$ 63,733	$ 3,047	$ 3,021
Average rate paid for the year (in percent)		4.36%	1.73%	2.31%
Average rate paid on period-end borrowings (in percent)		3.00%	4.11%	1.61%
FHLB Advances [Member]
Short-term Debt [Line Items]
Balance at December 31		$ 100
Warehouse Line Borrowings [Member]
Short-term Debt [Line Items]
Balance at December 31		$ 74,800
[1]	Balances are fully collateralized by government treasury or agency securities held in the Company's investment portfolio.
[2]	Comprised of FHLB advances totaling $ 0.1 74.8

LONG-TERM BORROWINGS - Schedule

LONG-TERM BORROWINGS - Scheduled minimum future principal payments (Details) $ in Thousands	Dec. 31, 2020USD ($)
Long-term Borrowings [Abstract]
2021	$ 1,008
2022	1,170
2023	553
2024	210
2025	116
Total	$ 3,057

LONG-TERM BORROWINGS - Narrativ

LONG-TERM BORROWINGS - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Federal Home Loan Bank Advances [Member]
Debt Instrument [Line Items]
FHLB advances	$ 2.2	$ 5
Weighted-average rate (in percent)	3.47%	3.13%
FHLB Debt instrument payment terms	The advances mature at varying dates from 2022 through 2025 and had a weighted-average rate of 3.47% and 3.13% at December 31, 2020 and 2019, respectively.
Notes Payable To Banks [Member]
Debt Instrument [Line Items]
Note Payable Amount	$ 0.9	$ 1.5
Note Payable Frequency of Payment	quarterly
Note Payable Maturity Date	Mar. 30, 2027
Debt Instrument Annual Principal Payment	$ 0.3

LONG-TERM BORROWINGS - Narrat_2

LONG-TERM BORROWINGS - Narrative 2 (Details) - USD ($)	Apr. 12, 2016	May 31, 2005	Nov. 30, 2004	Dec. 31, 2020
CCBG Capital Trust II [Member]
Debt Instrument [Line Items]
Description of interest rate basis				3-month LIBOR
CCBG Capital Trust I [Member]
Debt Instrument [Line Items]
Description of interest rate basis				3-month LIBOR
Junior Subordinated Deferrable Interest Notes [Member] | CCBG Capital Trust II [Member]
Debt Instrument [Line Items]
Notes Issued				$ 32,000,000
Debt Instrument Issued		$ 31,000,000
Note Payable Maturity Date		Jun. 15, 2035
Interest rate, basis spread (in percent)		1.80%
Proceeds received from the Trust		$ 32,000,000
Tier One Risk Based Capital				31,000,000
Junior Subordinated Deferrable Interest Notes [Member] | CCBG Capital Trust II [Member] | Common Stock [Member]
Debt Instrument [Line Items]
Notes Issued				959,000
Junior Subordinated Deferrable Interest Notes [Member] | CCBG Capital Trust I [Member]
Debt Instrument [Line Items]
Notes Issued				30,900,000
Debt Instrument Issued			$ 30,000,000
Note Payable Maturity Date			Dec. 31, 2034
Interest rate, basis spread (in percent)			1.90%
Proceeds received from the Trust			$ 30,900,000
Tier One Risk Based Capital				20,000,000
Junior Subordinated Deferrable Interest Notes [Member] | CCBG Capital Trust I [Member] | Common Stock [Member]
Debt Instrument [Line Items]
Notes Issued				$ 928,000
Subordinated Debt [Member]
Extinguishment Of Debt [Line Items]
Extinguishment Of Debt Amount	$ 10,000,000

INCOME TAXES - Provision for in

INCOME TAXES - Provision for income taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current:
Federal	$ 8,625	$ 8,481	$ (1,617)
State	1,658	247	201
Total	10,283	8,728	(1,416)
Deferred:
Federal	(143)	(680)	3,620
State	130	1,913	1,285
Valuation Allowance	(40)	(8)	(68)
Total	(53)	1,225	4,837
Total
Federal	8,482	7,801	2,003
State	1,788	2,160	1,486
Valuation Allowance	(40)	(8)	(68)
Total	$ 10,230	$ 9,953	$ 3,421

INCOME TAXES - Income tax recon

INCOME TAXES - Income tax reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Tax Expense at Federal Statutory Rate	$ 11,106	$ 8,560	$ 6,225
Increases (Decreases) Resulting From:
Tax-Exempt Interest Income	(341)	(425)	(494)
Income tax benefit related to Jobs act of 2017	0	0	(3,590)	$ 3,600
State Taxes, Net of Federal Benefit	1,413	1,342	1,174
Other	601	294	348
Change in Valuation Allowance	(40)	(8)	(68)
Tax-Exempt Cash Surrender Value Life Insurance Benefit	(173)	(175)	(174)
Expense Due to Reduction of Florida Corporate Income Tax Rate	0	365	0
Noncontrolling Interest	(2,336)	0	0
Actual Tax Expense	$ 10,230	$ 9,953	$ 3,421

INCOME TAXES - Deferred income

INCOME TAXES - Deferred income tax liabilities and assets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred Tax Assets attributable to:
Allowance for Loan Losses	$ 6,037	$ 3,525
Accrued Pension/SERP	16,052	9,863
State Net Operating Loss and Tax Credit Carry-Forwards	2,335	2,834
Other Real Estate Owned	1,066	957
Accrued SERP Liability	2,104	2,094
Lease Liability	2,581	637
Other	2,637	2,485
Total Deferred Tax Assets	32,812	22,395
Deferred Tax Liabilities attributable to:
Depreciation on Premises and Equipment	4,408	3,870
Deferred Loan Fees and Costs	2,824	2,445
Intangible Assets	3,290	3,290
Accrued Pension Liability	4,723	4,585
Right of Use Asset	2,411	441
Investments	469	469
Other	1,165	284
Total Deferred Tax Liabilities	19,290	15,384
Valuation Allowance	1,640	1,680
Net Deferred Tax Assets	$ 11,882	$ 5,331

INCOME TAXES - Narrative 2 (Det

INCOME TAXES - Narrative 2 (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating Loss Carryforwards [Line Items]
Statutory federal income tax rate to pre-tax income (in percent)	21.00%	21.00%	21.00%
Income tax benefit related to Jobs act of 2017	$ 0	$ 0	$ (3,590)	$ 3,600
State [Member] | Tax Year 2020 through 2039 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss and Tax credit carryforward, valuation allowance	$ 2,300
State [Member] | Minimum [Member]
Operating Loss Carryforwards [Line Items]
Tax credit carry forwards, expiration dates	Jan. 1, 2021
State [Member] | Maximum [Member]
Operating Loss Carryforwards [Line Items]
Tax credit carry forwards, expiration dates	Dec. 31, 2040
Inactive Subsidiary [Member] | State [Member] | Tax Year 2020 through 2039 [Member]
Operating Loss Carryforwards [Line Items]
Operating loss carryforwards, valuation allowance	$ 1,600

INCOME TAXES - Narrative 3 (Det

INCOME TAXES - Narrative 3 (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Interest and penalties	$ 0	$ 0	$ 0

STOCK-BASED COMPENSATION (Detai

STOCK-BASED COMPENSATION (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Dividend yield	2.40%	2.00%	1.40%
Expected volatility	45.60%	17.40%	18.70%
Risk-free interest rate	0.90%	2.30%	1.80%
Expected life (in months)	6 months	6 months	6 months

STOCK-BASED COMPENSATION - Narr

STOCK-BASED COMPENSATION - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation Expense	$ 1,600,000	$ 2,200,000	$ 1,900,000
2011 Director Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of common stock purchase (in percent)	90.00%
Shares reserved for issuance (in shares)	2,459
Shares eligible for issuance (in shares)	150,000
Shares issued (in shares)	16,119	15,332	14,470
Compensation Expense	$ 36,000	$ 38,000	$ 35,000
2011 Associate Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of common stock purchase (in percent)	90.00%
Shares reserved for issuance (in shares)	593,750
Shares remain eligible for issuance	242,859
Shares issued (in shares)	33,910	27,304	19,503
Compensation Expense	$ 160,000	$ 100,000	$ 70,000
Percentage of outstanding stock purchase (in percent)	10.00%
Maximum Stock purchases under the plan	$ 25,000
Weighted average estimated fair value (in dollars per shares)	$ 5.83	$ 3.61	$ 3.57
2011 Associate Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares reserved for issuance (in shares)	875,000
Shares eligible for issuance (in shares)	20,230
Shares remain eligible for issuance	299,344
Percentage of award in form of stock	60.00%
Percentage of award in form of cash bonus	40.00%
Shares issued (in shares)	21,682
Compensation Expense	$ 1,000,000	$ 900,000	$ 1,100,000
Share Based Compensation Arrangement By Share Based Payment Award Grant Date Fair Value of Shares	$ 900,000
Executive Long-Term Incentive Plan President[Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued (in shares)	7,218	10,460	9,810
Compensation Expense	$ 100,000	$ 200,000	$ 200,000
Executive Long TermI Incentive Plan CFO [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued (in shares)	7,218	4,812	2,406
Compensation Expense	$ 100,000	$ 400,000	$ 200,000
Executive Long Term Incentive Plan CEO [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation Expense	$ 200,000	$ 600,000	$ 300,000

EMPLOYEE BENEFIT PLANS - change

EMPLOYEE BENEFIT PLANS - changes in benefit obligation, changes in plan assets, the funded status (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Change in Projected Benefit Obligation:
Actuarial Loss (Gain)	$ 27,924	$ 7,642	$ 815
Defined benefit pension plan [Member]
Change in Projected Benefit Obligation:
Benefit Obligation at Beginning of Year	180,830	149,347	165,084
Service Cost	5,828	6,114	6,884
Interest Cost	5,612	6,178	5,661
Actuarial Loss (Gain)	32,172	25,715	(16,349)
Benefits Paid	(11,677)	(6,255)	(11,686)
Expenses Paid	(260)	(269)	(247)
Special/Contractual Termination Benefits	61	0	0
Projected Benefit Obligation at End of Year	212,566	180,830	149,347
Change in Plan Assets:
Fair Value of Plan Assets at Beginning of Year	161,646	134,535	129,719
Actual Return (Loss) on Plan Assets	17,066	28,635	(6,251)
Employer Contributions	5,000	5,000	23,000
Benefits Paid	(11,677)	(6,255)	(11,686)
Expenses Paid	(260)	(269)	(247)
Fair Value of Plan Assets at End of Year	171,775	161,646	134,535
Funded Status of Plan and Accrued Liability Recognized at End of Year:
Other Liabilities	40,791	19,184	14,812
Accumulated Benefit Obligation at End of Year	177,362	156,327	130,477
Components of Net Periodic Benefit Costs:
Service Cost	5,828	6,114	6,884
Interest Cost	5,612	6,178	5,661
Expected Return on Plan Assets	(10,993)	(9,527)	(9,564)
Amortization of Prior Service Costs	15	15	199
Special/Contractual Termination Benefits	61	0	0
Net Loss Amortization	3,933	3,862	3,673
Net Periodic Benefit Cost	$ 4,456	$ 6,642	$ 6,853
Weighted-average assumptions used to determine benefit obligations:
Discount Rate (in percent)	2.88%	3.53%	4.43%
Rate of Compensation Increase (in percent)	4.00%	4.00%	4.00%
Measurement Date	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Weighted-Average Assumptions Used to Determine Benefit Cost:
Discount Rate (in percent)	3.53%	4.43%	3.71%
Expected Return on Plan Assets (in percent)	7.00%	7.25%	7.25%
Rate of Compensation Increase (in percent)	4.00%	4.00%	3.25%
Amortization Amounts from Accumulated Other Comprehensive Income:
Net Actuarial Loss (Gain)	$ 26,098	$ 6,606	$ (533)
Prior Service Cost	(15)	(15)	(199)
Net Loss	(3,933)	(3,862)	(3,673)
Deferred Tax (Benefit) Expense	(5,615)	(694)	1,118
Other Comprehensive Loss (Gain), net of tax	16,535	2,035	(3,287)
Amounts Recognized in Accumulated Other Comprehensive Income:
Net Actuarial Losses	59,400	37,235	34,491
Prior Service Cost	35	50	66
Deferred Tax Liability (Benefit)	(15,066)	(9,451)	(8,757)
Accumulated Other Comprehensive Loss (Gain), net of tax	$ 44,369	$ 27,834	$ 25,800

EMPLOYEE BENEFIT PLANS - pensio

EMPLOYEE BENEFIT PLANS - pension plan asset allocation (Details) - Defined benefit pension plan [Member]	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	100.00%
Percentage of Plan Assets at Year-End (in percent)	100.00%	100.00%
Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	65.00%
Percentage of Plan Assets at Year-End (in percent)	71.00%	72.00%
Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	30.00%
Percentage of Plan Assets at Year-End (in percent)	21.00%	19.00%
Cash and Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	5.00%
Percentage of Plan Assets at Year-End (in percent)	8.00%	9.00%

EMPLOYEE BENEFIT PLANS - major

EMPLOYEE BENEFIT PLANS - major categories of assets in the Company's pension plan (Details) - Defined benefit pension plan [Member] - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 171,775	$ 161,646	$ 134,535	$ 129,719
U.S. Treasury Securities [Member] | Level 1 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	405	907
Mutual Funds [Member] | Level 1 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	155,192	142,127
Cash and Cash Equivalents [Member] | Level 1 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	12,789	13,943
U.S. Government Agency [Member] | Level 2 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	1,555	2,078
DomesticCorporateDebtSecuritiesMember | Level 2 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 1,834	$ 2,591

EMPLOYEE BENEFIT PLANS - Expect

EMPLOYEE BENEFIT PLANS - Expected Benefit Payments (Details) - Defined benefit pension plan [Member] $ in Thousands	Dec. 31, 2020USD ($)
Defined Benefit Plan Disclosure [Line Items]
2021	$ 16,187
2022	15,728
2023	15,280
2024	15,208
2025	14,818
2026 through 2030	61,861
Total	$ 139,082

EMPLOYEE BENEFIT PLANS - Contri

EMPLOYEE BENEFIT PLANS - Contributions (Details) - Defined benefit pension plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Actual Contributions	$ 5,000	$ 5,000
Expected contribution for 2021	$ 5,000

EMPLOYEE BENEFIT PLANS - SERP c

EMPLOYEE BENEFIT PLANS - SERP changes in benefit obligation, the funded status of the plan, components of pension expense (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Change in Projected Benefit Obligation:
Actuarial Loss (Gain)	$ 27,924,000	$ 7,642,000	$ 815,000
Supplemental Executive Retirement Plan ("SERP") [Member]
Change in Projected Benefit Obligation:
Benefit Obligation at Beginning of Year	10,244,000	8,860,000	7,285,000
Service Cost	31,000	0	0
Interest Cost	321,000	349,000	227,000
Actuarial Loss (Gain)	1,826,000	1,035,000	1,348,000
Plan Amendments	980,000	0	0
Projected Benefit Obligation at End of Year	13,402,000	10,244,000	8,860,000
Funded Status of Plan and Accrued Liability Recognized at End of Year:
Other Liabilities	13,402,000	10,244,000	8,860,000
Accumulated Benefit Obligation at End of Year	12,339,000	8,778,000	7,557,000
Components of Net Periodic Benefit Costs:
Service Cost	31,000	0	0
Interest Cost	321,000	349,000	227,000
Amortization of Prior Service Cost	327,000	0	0
Net Loss Amortization	503,000	761,000	1,626,000
Net Periodic Benefit Cost	$ 1,182,000	$ 1,110,000	$ 1,853,000
Weighted-average used to determine the benefit obligations:
Discount Rate (in percent)	2.38%	3.16%	4.23%
Rate of Compensation Increase (in percent)	4.00%	4.00%	4.00%
Measurement Date	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Weighted-Average Assumptions Used to Determine Benefit Cost:
Discount Rate (in percent)	3.16%	4.23%	3.53%
Rate of Compensation Increase (in percent)	3.50%	3.50%	3.25%
Amortization Amounts from Accumulated Other Comprehensive Income:
Net Actuarial Loss (Gain)	$ 1,826,000	$ 1,035,000	$ 1,348,000
Prior Service Cost	895,000	0	0
Net Loss	(458,000)	(761,000)	(1,626,000)
Deferred Tax (Benefit) Expense	(573,000)	(70,000)	71,000
Other Comprehensive Loss (Gain), net of tax	1,690,000	204,000	(207,000)
Amounts Recognized in Accumulated Other Comprehensive Income:
Net Actuarial Loss	(2,991,000)	(1,622,000)	1,348,000
Prior Service Cost	895,000	0	0
Deferred Tax Liability (Benefit)	(985,000)	(411,000)	(341,000)
Accumulated Other Comprehensive Loss (Gain), net of tax	$ 2,901,000	$ 1,211,000	$ 1,007,000

EMPLOYEE BENEFIT PLANS - SERP E

EMPLOYEE BENEFIT PLANS - SERP Expected Benefit Payments (Details) - Supplemental Executive Retirement Plan ("SERP") [Member] $ in Thousands	Dec. 31, 2020USD ($)
Defined Benefit Plan Disclosure [Line Items]
2021	$ 5,218
2022	4,679
2023	2,882
2024	613
2025	48
2026 through 2030	254
Total	$ 13,694

EMPLOYEE BENEFIT PLANS - Narrat

EMPLOYEE BENEFIT PLANS - Narrative 1 (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
Defined Benefit Plan Disclosure [Line Items]
Net actuarial loss	$ 1.2
Defined benefit pension plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Net actuarial loss	$ (6.8)

EMPLOYEE BENEFIT PLANS - Narr_2

EMPLOYEE BENEFIT PLANS - Narrative 2 (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Mar. 01, 2020
Defined Benefit Plan Disclosure [Line Items]
Interest in CCHL subsidiary entity	51.00%			51.00%
Minimum [Member] | Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	55.00%
Minimum [Member] | Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	17.00%
Minimum [Member] | Cash and Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	0.00%
Maximum [Member] | Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	81.00%
Maximum [Member] | Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	37.00%
Maximum [Member] | Cash and Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation (in percent)	10.00%
Employee Benefit 401 K Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Matching contributions (in percent)	50.00%
Participant's compensation for eligible associates (in percent)	6.00%
Matching contributions	$ 0.8	$ 0.7	$ 0.6
Shares reserved for issuance (in shares)	50,000
Additional Employers Contribution for Associates Hired After Year 2019 as a percentage of compensation	3.00%
Employee Benefit 401 K Plan [Member] | CCHL associates [Member]
Defined Benefit Plan Disclosure [Line Items]
Matching contributions	$ 0.5
Employee Benefit 401 K Plan [Member] | Maximum [Member] | CCHL associates [Member]
Defined Benefit Plan Disclosure [Line Items]
Matching contributions (in percent)	3.00%
Dividend Reinvestment and Optional Stock Purchase Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Shares reserved for issuance (in shares)	250,000

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Numerator:
Net Income (Loss)	$ 31,576	$ 30,807	$ 26,224
Denominator:
Denominator for Basic Earnings Per Share Weighted-Average Shares	16,785	16,770	17,029
Effects of Dilutive Securities Stock Compensation Plans	37	57	43
Denominator for Diluted Earnings Per Share Adjusted Weighted-Average Shares and Assumed Conversions	16,822	16,827	17,072
Basic Earnings Per Share (in dollers per shares)	$ 1.88	$ 1.84	$ 1.54
Diluted Earnings Per Share (in dollers per shares)	$ 1.88	$ 1.83	$ 1.54

REGULATORY MATTERS (Details)

REGULATORY MATTERS (Details) $ in Thousands	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Capital City Bank Group [Member]
Actual [Abstract]
Common Equity Tier 1	$ 281,494	$ 273,676
Tier I capital to total average assets	332,494	324,676
Capital	355,338	338,582
Tier 1 leverage	$ 332,494	$ 324,676
Common Equity Tier 1, percent	0.1371	0.1447
Tier 1 Based Capital, percent	0.1619	0.1716
Total Capital, percent	0.1730	0.1790
Tier 1 Leverage, percent	0.0933	0.1125
Required for Capital Adequacy Purposes [Abstract]
Common Equity Tier 1, Required for Capital	$ 92,424	$ 85,131
Tier I Capital, Requied for Capital	123,232	113,509
Total Capital, Requied for Capital	164,310	151,345
Tier 1 Leverage, Required for Capital	$ 142,560	$ 115,459
Common Equity Tier 1, Required for Capital, percent	0.0450	0.0450
Tier 1 Capital, Required for Capital, percent	0.0600	0.0600
Total Capital, Required for Capital, percent	0.0800	0.0800
Tier I Leverage, Required for Capital, percent	0.0400	0.0400
Capital City Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 31,700
Actual [Abstract]
Common Equity Tier 1	302,147	$ 304,340
Tier I capital to total average assets	302,147	304,340
Capital	324,991	318,245
Tier 1 leverage	$ 302,147	$ 304,340
Common Equity Tier 1, percent	0.1475	0.1614
Tier 1 Based Capital, percent	0.1475	0.1614
Total Capital, percent	0.1587	0.1687
Tier 1 Leverage, percent	0.0849	0.1057
Required for Capital Adequacy Purposes [Abstract]
Common Equity Tier 1, Required for Capital	$ 92,177	$ 84,867
Tier I Capital, Requied for Capital	122,903	113,156
Total Capital, Requied for Capital	163,870	150,874
Tier 1 Leverage, Required for Capital	$ 142,280	$ 115,168
Common Equity Tier 1, Required for Capital, percent	0.0450	0.0450
Tier 1 Capital, Required for Capital, percent	0.0600	0.0600
Total Capital, Required for Capital, percent	0.0800	0.0800
Tier I Leverage, Required for Capital, percent	0.0400	0.0400
To Be Well Capitialized Under Prompt Corrective Action Provisions [Abstract]
Common Equity Tier 1, Well-Capitialized	$ 133,145	$ 122,585
Tier 1 Capital, Well-Capitalized	163,870	150,874
Total Capital, Well-Capitalized	204,838	188,593
Tier 1 Leverage, Well-Capitalized	$ 177,850	$ 143,960
Common Equity Tier 1, Well-Capitalized, percent	0.0650	0.0650
Tier 1 Capital, Well-Capitalized, percent	0.0800	0.0800
Total Capital, Well-Capitalized, percent	0.1000	0.1000
Tier 1 Leverage, Well-Capitalized, percent	0.0500	0.0500

OTHER COMPREHENSIVE INCOME (L_3

OTHER COMPREHENSIVE INCOME (LOSS) - tax effects for each component (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Investment Securities Before Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale before tax	$ 2,437	$ 3,790	$ (409)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity before tax	36	43	55
Total Investment Securities	2,473	3,833	(354)
Change in net unrealized gain (loss) on effective cash flow derivative, before tax	574	0	0
Benefit Plans:
Reclassification adjustment for amortization of prior service cost	(880)	15	199
Reclassification adjustment for amortization of net loss	4,391	4,623	5,299
Current year actuarial (loss) gain	(27,924)	(7,642)	(815)
Total Benefit Plans	(24,413)	(3,004)	4,683
Total Other Comprehensive Loss Before Tax	(21,366)	829	4,329
Investment Securities Tax Expense (Benefit) [Abstract]
Change in net unrealized gain/loss on securities available for sale tax	(628)	(950)	103
Amortization of unrealized losses on securities transferred from available for sale to held to maturity tax expense (benefit)	(9)	(11)	(14)
Total Investment Securities, tax	(637)	(961)	89
Change in net unrealized gain (loss) on effective cash flow derivative, tax	(146)
Benefit Plans:
Reclassification adjustment for amortization of prior service cost	223	(4)	(50)
Reclassification adjustment for amortization of net loss	(1,113)	(1,170)	(1,346)
Current year actuarial gain (loss)	7,078	1,940	207
Total Benefit Plans	6,188	766	(1,189)
Total Other Comprehensive Loss, tax	5,405	(195)	(1,100)
Investment Securities Net of Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale Net of Tax amount	1,809	2,840	(306)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity net of tax	27	32	41
Total Investment Securities, net of tax	1,836	2,872	(265)
Change in net unrealized gain (loss) on effective cash flow derivative, Net of Tax	428
Benefit Plans:
Reclassification adjustment for amortization of prior service cost	(657)	11	149
Reclassification adjustment for amortization of net loss	3,278	3,453	3,953
Current year actuarial gain (loss)	(20,846)	(5,702)	(608)
Total Benefit Plans	(18,225)	(2,238)	3,494
Total Other Comprehensive Loss After Tax	$ (15,961)	$ 634	$ 3,229

OTHER COMPREHENSIVE INCOME (L_4

OTHER COMPREHENSIVE INCOME (LOSS) - Accumulated other comprehensive loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	$ (28,181)		$ (32,044)
Other comprehensive loss during the period	(15,961)	$ 634	3,229
Balance, Ending	(44,142)	(28,181)
Interest rate swaps [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	0
Other comprehensive loss during the period	428
Balance, Ending	428	0
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	864	(2,008)	(1,743)
Other comprehensive loss during the period	1,836	2,872	(265)
Balance, Ending	2,700	864	(2,008)
Retirement plan [member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(29,045)	(26,807)	(30,301)
Other comprehensive loss during the period	(18,225)	(2,238)	3,494
Balance, Ending	(47,270)	(29,045)	(26,807)
Accumulated Other Comprehensive Loss
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(28,181)	(28,815)	(32,044)
Other comprehensive loss during the period	(15,961)	634	3,229
Balance, Ending	$ (44,142)	$ (28,181)	$ (28,815)

RELATED PARTY INFORMATION (Deta

RELATED PARTY INFORMATION (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Management [Member]
Related Party Transaction [Line Items]
Officers and directors indebted aggregate amount	$ 4,300,000	$ 7,700,000
Loan taken	3,300,000
Loan payment made	6,700,000
Deposits from certain directors, executive officers, and their related interests	41,900,000	$ 29,700,000
Lease Agreement [Member]
Related Party Transaction [Line Items]
Annual lease payments of approximately	$ 212,000

OTHER NONINTEREST EXPENSE (Deta

OTHER NONINTEREST EXPENSE (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other Noninterest Expense:
Legal Fees	$ 1,570	$ 1,722	$ 2,055
Professional Fees	4,863	4,345	5,003
Telephone	2,869	2,645	2,224
Advertising	2,998	2,056	1,611
Processing Services	5,832	5,779	5,978
Insurance - Other	1,607	1,007	1,625
Pension - Other	(216)	1,642	1,828
Other	11,396	9,079	9,197
Total	$ 30,919	$ 28,275	$ 29,521

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loss Contingencies [Line Items]
Fixed	$ 166,922	$ 120,686
Variable	596,572	404,345
Total	763,494	525,031
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	160,372	114,903
Variable	596,572	404,345
Total	756,944	519,248
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	6,550	5,783
Variable	0	0
Total	$ 6,550	$ 5,783

COMMITMENTS AND CONTINGENCIES -

COMMITMENTS AND CONTINGENCIES - Narrative (Details)	12 Months Ended
	Dec. 31, 2020USD ($)
Operating Leases, Future Minimum Payments Due
Quartely payment until settlement is finalized	$ 711,000

FAIR VALUE MEASUREMENTS - summa

FAIR VALUE MEASUREMENTS - summary of fair values for assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS:
Held for Sale Loans	$ 114,039	$ 9,509
Fair Value, Measurements, Recurring [Member]
ASSETS:
Held for Sale Loans	114,039
Interest Rate Swap Derivative Asset	574
Mortgage Banking Derivative Asset	4,825
LIABILITIES:
Mortgage Banking Derivative Liability	907
Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	104,519	232,778
Fair Value, Measurements, Recurring [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	208,531	156,078
Fair Value, Measurements, Recurring [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	3,632	6,319
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	515	773
Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,673	7,653
Level 1 Inputs [Member]
ASSETS:
Held for Sale Loans	0	0
Interest Rate Swap Derivative Asset	0
Mortgage Banking Derivative Asset	0
LIABILITIES:
Mortgage Banking Derivative Liability	0
Level 1 Inputs [Member] | Fair Value, Measurements, Recurring [Member]
ASSETS:
Held for Sale Loans	0
Interest Rate Swap Derivative Asset	0
Mortgage Banking Derivative Asset	0
LIABILITIES:
Mortgage Banking Derivative Liability	0
Level 1 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	104,519	232,778
Level 1 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2 Inputs [Member]
ASSETS:
Held for Sale Loans	114,039	9,509
Interest Rate Swap Derivative Asset	574
Mortgage Banking Derivative Asset	0
LIABILITIES:
Mortgage Banking Derivative Liability	907
Level 2 Inputs [Member] | Fair Value, Measurements, Recurring [Member]
ASSETS:
Held for Sale Loans	114,039
Interest Rate Swap Derivative Asset	574
Mortgage Banking Derivative Asset	0
LIABILITIES:
Mortgage Banking Derivative Liability	907
Level 2 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	208,531	156,078
Level 2 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	3,632	6,319
Level 2 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	515	773
Level 2 Inputs [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,673	7,653
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Held for Sale Loans	0	0
Interest Rate Swap Derivative Asset	0
Mortgage Banking Derivative Asset	4,825
LIABILITIES:
Mortgage Banking Derivative Liability	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
ASSETS:
Held for Sale Loans	0
Interest Rate Swap Derivative Asset	0
Mortgage Banking Derivative Asset	4,825
LIABILITIES:
Mortgage Banking Derivative Liability	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0	$ 0

FAIR VALUE MEASUREMENTS - sum_2

FAIR VALUE MEASUREMENTS - summary of estimated fair values of significant financial instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS:
Investment Securities Available for Sale	$ 324,870	$ 403,601
Investment Securities Held to Maturity	175,175	241,429
Loans Held For Sale, at fair value	114,039	9,509
Mortgage Servicing Rights	3,452	910
Level 1 Inputs [Member]
ASSETS:
Cash	67,919	60,087
Short-Term Investments	860,630	318,336
Investment Securities Available for Sale	104,519	232,778
Investment Securities Held to Maturity	5,014	20,042
Loans Held For Sale, at fair value	0	0
Other Equity Securities	0	0
Interest Rate Swap Derivative Asset	0
Mortgage Banking Derivative Asset	0
Mortgage Servicing Rights	0
Loans, Net of Allowance for Loan Losses	0	0
LIABILITIES:
Deposits	0	0
Short-Term Borrowings	0	0
Subordinated Notes Payable	0	0
Long-Term Borrowings	0	0
Mortgage Banking Derivative Liability	0
Level 2 Inputs [Member]
ASSETS:
Cash	0	0
Short-Term Investments	0	0
Investment Securities Available for Sale	220,351	170,823
Investment Securities Held to Maturity	170,161	221,387
Loans Held For Sale, at fair value	114,039	9,509
Other Equity Securities	3,589	3,591
Interest Rate Swap Derivative Asset	574
Mortgage Banking Derivative Asset	0
Mortgage Servicing Rights	0
Loans, Net of Allowance for Loan Losses	0	0
LIABILITIES:
Deposits	3,217,615	2,644,430
Short-Term Borrowings	79,654	6,404
Subordinated Notes Payable	43,449	40,280
Long-Term Borrowings	3,174	6,623
Mortgage Banking Derivative Liability	907
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Cash	0	0
Short-Term Investments	0	0
Investment Securities Available for Sale	0	0
Investment Securities Held to Maturity	0	0
Loans Held For Sale, at fair value	0	0
Other Equity Securities	0	0
Interest Rate Swap Derivative Asset	0
Mortgage Banking Derivative Asset	4,825
Mortgage Servicing Rights	3,451
Loans, Net of Allowance for Loan Losses	1,990,740	1,804,930
LIABILITIES:
Deposits	0	0
Short-Term Borrowings	0	0
Subordinated Notes Payable	0	0
Long-Term Borrowings	0	0
Mortgage Banking Derivative Liability	0
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	67,919	60,087
Short-Term Investments	860,630	318,336
Investment Securities Available for Sale	324,870	403,601
Investment Securities Held to Maturity	169,939	239,539
Loans Held For Sale, at fair value	114,039	9,509
Other Equity Securities	3,589	3,591
Interest Rate Swap Derivative Asset	574
Mortgage Banking Derivative Asset	4,825
Mortgage Servicing Rights	3,452
Loans, Net of Allowance for Loan Losses	1,982,610	1,822,024
LIABILITIES:
Deposits	3,217,560	2,645,454
Short-Term Borrowings	79,654	6,404
Subordinated Notes Payable	52,887	52,887
Long-Term Borrowings	3,057	$ 6,514
Mortgage Banking Derivative Liability	$ 907

FAIR VALUE MEASUREMENTS - Narra

FAIR VALUE MEASUREMENTS - Narrative (Details)	10 Months Ended
	Dec. 31, 2020USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Issuances	$ 50,700,000
Transfers	56,000,000
Valuation allowance for mortgage servicing rights	250,000
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, Carrying value	7,100,000
Impaired loans valuation allowance	$ 100,000

PARENT COMPANY FINANCIAL INFO_3

PARENT COMPANY FINANCIAL INFORMATION - Statements of Financial Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and Due From Subsidiary Bank	$ 67,919	$ 60,087
Other Assets	101,370	65,550
Total Assets	3,798,071	3,088,953
LIABILITIES
Short-Term Borrowings	79,654	6,404
Other Long-Term Borrowings	3,057	6,514
Subordinated Notes Payable	52,887	52,887
Other Liabilities	102,076	50,678
Total Liabilities	3,455,234	2,761,937
SHAREOWNERS' EQUITY
Preferred Stock, $.01 par value, 3,000,000 shares authorized; no shares issued and outstanding
Common Stock, $.01 par value; 90,000,000 shares authorized;16,790,573 and 16,771,544 shares issued and outstanding at December 31, 2020 and December 31, 2019, respectively	168	168
Additional Paid-In Capital	32,283	32,092
Retained Earnings	332,528	322,937
Accumulated Other Comprehensive Loss, Net of Tax	(44,142)	(28,181)		$ (32,044)
Total Shareowners' Equity	320,837	327,016	$ 302,587	$ 284,210
Total Liabilities and Shareowners' Equity	3,798,071	3,088,953
CCBG [Member]
ASSETS
Cash and Due From Subsidiary Bank	39,718	28,924
Investment in Subsidiary Bank	342,958	359,577
Other Assets	6,530	5,884
Total Assets	389,206	394,385
LIABILITIES
Other Long-Term Borrowings	900	1,500
Subordinated Notes Payable	52,887	52,887
Other Liabilities	14,582	12,982
Total Liabilities	68,369	67,369
SHAREOWNERS' EQUITY
Common Stock, $.01 par value; 90,000,000 shares authorized;16,790,573 and 16,771,544 shares issued and outstanding at December 31, 2020 and December 31, 2019, respectively	168	168
Additional Paid-In Capital	32,283	32,092
Retained Earnings	332,528	322,937
Accumulated Other Comprehensive Loss, Net of Tax	(44,142)	(28,181)
Total Shareowners' Equity	320,837	327,016
Total Liabilities and Shareowners' Equity	$ 389,206	$ 394,385

PARENT COMPANY FINANCIAL INFO_4

PARENT COMPANY FINANCIAL INFORMATION - Statements of Financial Condition (Parentheticals) (Details) - $ / shares	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Common stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common stock, shares authorized	90,000,000	90,000,000
Common stock, shares issued	16,790,573	16,771,544
Common stock, shares outstanding	16,790,573	16,771,544	16,747,571	16,988,951
CCBG [Member]
Condensed Financial Statements, Captions [Line Items]
Common stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common stock, shares authorized	90,000,000	90,000,000
Common stock, shares issued	16,790,573	16,771,544
Common stock, shares outstanding	16,790,573	16,771,544

PARENT COMPANY FINANCIAL INFO_5

PARENT COMPANY FINANCIAL INFORMATION - Statements of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
OPERATING EXPENSE
Salaries and Associate Benefits	$ 96,280	$ 66,352	$ 63,921
Interest on Subordinated Notes Payable	1,472	2,287	2,167
Professional Fees	4,863	4,345	5,003
Advertising	2,998	2,056	1,611
Legal Fees	1,570	1,722	2,055
Earnings (Loss) Before Income Taxes and Equity in Undistributed Earnings of Subsidiary Bank	52,884	40,760	29,645
Income Tax Expense	10,230	9,953	3,421
Net Income	31,576	30,807	26,224
CCBG [Member]
OPERATING INCOME
Overhead Fees	6,068	6,517	5,700
Dividends	21,000	19,000	15,000
Other Income	193	203	171
Total Operating Income	27,261	25,720	20,871
OPERATING EXPENSE
Salaries and Associate Benefits	3,418	3,928	3,679
Interest on Subordinated Notes Payable	1,514	2,381	2,286
Professional Fees	1,079	1,196	1,210
Advertising	140	157	106
Legal Fees	456	391	166
Other	1,673	1,711	2,170
Total Operating Expense	8,280	9,764	9,617
Earnings (Loss) Before Income Taxes and Equity in Undistributed Earnings of Subsidiary Bank	18,981	15,956	11,254
Income Tax Expense	(406)	(632)	(901)
Earnings (Loss) Before Equity in Undistributed Earnings of Subsidiary Bank	19,387	16,588	12,155
Equity in Undistributed Earnings of Subsidiary Bank	12,189	14,219	14,069
Net Income	$ 31,576	$ 30,807	$ 26,224

PARENT COMPANY FINANCIAL INFO_6

PARENT COMPANY FINANCIAL INFORMATION - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 31,576	$ 30,807	$ 26,224
Adjustments to Reconcile Net Income to Net Cash Provided By (Used In) Operating Activities:
Stock Compensation	892	1,569	1,421
Decrease (Increase) in Other Assets	(38,353)	9,830	7,168
Increase (Decrease) in Other Liabilities	40,624	(1,176)	(16,942)
Net Cash (Used In) Provided By Operating Activities	(48,611)	53,689	34,626
CASH FROM FINANCING ACTIVITIES:
Repayments of Long-term Debt	3,363	1,694	1,889
Dividends Paid	(9,567)	(8,047)	(5,457)
Issuance of Common Stock Under Compensation Plans	1,041	1,054	797
Payments to Repurchase Common Stock	2,042	1,805	8,030
Net Cash (Used In) Provided By in Financing Activities	631,331	95,609	49,951
Net Increase (Decrease) in Cash	550,126	102,423	(9,442)
Cash and Cash Equivalents at Beginning of Year	378,423	276,000	285,442
Cash and Cash Equivalents at End of Year	928,549	378,423	276,000
CCBG [Member]
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	31,576	30,807	26,224
Adjustments to Reconcile Net Income to Net Cash Provided By (Used In) Operating Activities:
Equity in Undistributed Earnings of Subsidiary Bank	(12,189)	(14,219)	(14,069)
Stock Compensation	892	1,569	1,421
Decrease (Increase) in Other Assets	(217)	(445)	(327)
Increase (Decrease) in Other Liabilities	1,900	1,557	1,579
Net Cash (Used In) Provided By Operating Activities	21,962	19,269	14,828
CASH FROM FINANCING ACTIVITIES:
Repayments of Long-term Debt	(600)	(600)	(600)
Dividends Paid	(9,567)	(8,047)	(5,457)
Issuance of Common Stock Under Compensation Plans	1,041	1,054	797
Payments to Repurchase Common Stock	(2,042)	(1,805)	(8,030)
Net Cash (Used In) Provided By in Financing Activities	(11,168)	(9,398)	(13,290)
Net Increase (Decrease) in Cash	10,794	9,871	1,538
Cash and Cash Equivalents at Beginning of Year	28,924	19,053	17,515
Cash and Cash Equivalents at End of Year	$ 39,718	$ 28,924	$ 19,053