<?xml version="1.0" encoding="UTF-8"?>
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:ccbg="http://www.ccbg.com/20260331" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:dei="http://xbrl.sec.gov/dei/2025" targetNamespace="http://www.ccbg.com/20260331" elementFormDefault="qualified">
  <xs:annotation>
    <xs:appinfo>
      <link:roleType id="ELRID_Cover" roleURI="http://www.ccbg.com/role/Cover">
        <link:definition>000000 - Document - Cover</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="ccbg-20260331_lab.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef"></link:linkbaseRef>
      <link:linkbaseRef xlink:type="simple" xlink:href="ccbg-20260331_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"></link:linkbaseRef>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"></xs:import>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"></xs:import>
  <xs:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"></xs:import>
  <xs:element id="ccbg_DocumentAndEntityInformationAbstract" abstract="true" nillable="true" name="DocumentAndEntityInformationAbstract" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"></xs:element>
</xs:schema>