About this Office
Our office in Panama City Beach offers access to a full range of banking services and bankers for advice and guidance. Our tellers are also available to assist business clients making cash deposits, withdrawals, and coin or currency requests. This Panama City Beach location offers extended hours with our Virtual Teller Machine and ability to talk with a banker virtually.
Our Bankers in Panama City Beach, FL
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Clint Mizell
Clint MizellPresident, Bay County- Commercial Deposits
- Commercial Loans
- Commercial Real Estate Loans
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Rachel Bennett
Rachel BennettRetail Experience Manager, Bay County- Business Deposits
- Consumer Checking
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Products and Services
Panama City Beach, Bay County
Capital City Bank proudly serves Panama City Beach and surrounding Bay County communities, providing trusted financial partnership in one of Florida’s fastest-growing coastal regions. Located in the Breakfast Point area, this banking office supports individuals, families and businesses drawn to the Emerald Coast’s strong economy, expanding population and exceptional quality of life. The regional economy is powered by tourism, military and defense, manufacturing, transportation and real estate development, creating diverse opportunities for both personal financial growth and business expansion. The Breakfast Point banking team provides a full range of banking solutions, including checking and savings accounts, mortgages, commercial lending, wealth management and digital banking services designed to meet evolving financial needs. With more than 130 years of experience, Capital City Bank combines the strength of a well-established institution with the responsiveness of local decision-makers. Our bankers take a relationship-based approach, offering thoughtful guidance and personalized strategies to help clients manage, protect and grow their wealth over time. Across Bay County and the Emerald Coast region, Capital City Bank remains deeply committed to supporting local businesses, community organizations and economic development efforts. By pairing regional resources with local expertise, we provide dependable service, financial insight and long-term partnership clients can rely on.
ATM, Online and Mobile Banking Services to meet all your banking needs
Online Banking: CCBMobile App
The CCBMobile app makes it easy to manage your accounts while on the go. You can view account balances, transaction history, and alerts, deposit checks, and even initiate account transfers and pay bills, quickly and securely, anytime and from anywhere.
Make an Appointment with a Banker
If your banking business requires an in-person appointment, such as signing documents like an error resolution, accessing a safe deposit box or attending a loan closing, please make arrangements directly with your banker.
Call Your Office TodayOther Locations Nearby
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Lynn Haven - Loan Production OfficeLynn Haven - Loan Production Office9.1 miGet Directions3436 Highway 77 Suite BPanama City, FL 32405Commercial Real Estate Loans, Loan Production Office Only, Loans and Relationship Management, No Loan Payments or Deposits Accepted by Mail or Inside This Location, NOT a Full-Service Banking Location, Send Money with Zelle®X
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Capital City Bank - West BayCapital City Bank - West Bay9.2 miGet Directions8403 W. Bay ParkwayPanama City Beach, FL 32413(Deposits Accepted), 24-hour ATM (accepts deposits), Business Banking, CDs, Checking, Commercial Real Estate Loans, Home Equity, Instant Issue Debit Cards Available, IRAs, Loans and Deposit Services, Loans and Relationship Management, Mortgage, Night Deposit Box, Notary Services, Personal Banking, Professional Trustee Services, Safe Deposit Available, Savings, Send Money with Zelle®, Treasury Management, Wealth SolutionsX
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Inlet Beach - WatersoundInlet Beach - Watersound15.0 miGet Directions11275 US-98Inlet Beach, FL 32461(Deposits Accepted), 24-hour ATM (accepts deposits), Business Banking, CDs, Checking, Commercial Real Estate Loans, Home Equity, Instant Issue Debit Cards Available, IRAs, Loans and Deposit Services, Loans and Relationship Management, Mortgage, Night Deposit Box, Notary Services, Personal Banking, Professional Trustee Services, Safe Deposit Available, Savings, Send Money with Zelle®, Treasury Management, Wealth SolutionsX
Frequently Asked Questions
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