Inferra AI / Company / CCBG
Capital City Bank Group Inc.
CCBG · Financials
Last earnings Oct 20, 2026
Key results
Net incomequarter
$16.0 million
(NASDAQ: CCBG) today reported net income attributable to common shareowners of $16.0 million, or $0.93 per diluted share, for the third quarter of 2025 compared to $15.0 million, or $0.88 per diluted share, for the second quarter of 2025, and $13.1 million, or $0.77 per diluted share, for the third quarter of 2024.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Revenuequarter
$0.6 million
revenues of $0.6 million and deposit fees of $0.6 million Noninterest expense increased by $0.4 million, or 0.9%, due to an increase in other miscellaneous expenses Balance Sheet Loan balances decreased by $46.4 million, or 1.7% (average), and decreased by $49.5 million
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Revenue growth driven by continued net interest margin expansion and higher noninterest income drove the improvement and resulted in a 4% increase in tangible book value per share.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
The $2.3 million, or 11.6%, increase over the second quarter of 2025 was primarily due to a $1.2 million increase in other income, a $0.6 million increase in mortgage banking revenues, and a $0.6 million increase in deposit fees.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Compared to the third quarter of 2024, the $2.8 million, or 14.4%, increase was primarily due to a $1.1 million increase in other income, a $0.8 million increase in mortgage banking revenues, a $0.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Net incomeytd
$47.9 million
For the first nine months of 2025, shareowners equity was positively impacted by net income attributable to shareowners of $47.9 million, a net $7.7 million decrease in the accumulated other comprehensive loss, the issuance of common stock of $2.9 million, and stock compensation accretion of $1.4 million.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
AI analysis
Q3 2025 · reported Oct 21, 2025
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $16.0 million | — | — |
| Revenue | $0.6 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
At September 30, 2025, we had the ability to generate approximately $1.625 billion (excludes overnight funds position of $398 million) in additional liquidity through various sources including various federal funds purchased lines, Federal Home Loan Bank borrowings, the Federal Reserve Discount Window, and brokered deposits.
We also view our investment portfolio as a liquidity source, as we have the option to pledge securities in our portfolio as collateral for borrowings or deposits and/or to sell selected securities in our portfolio .
Event summary
Reports Third Quarter 2025 Results
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
At September 30, 2025, we had the ability to generate approximately $1.625 billion (excludes overnight funds position of $398 million) in additional liquidity through various sources including various federal funds purchased lines, Federal Home Loan Bank borrowings, the Federal Reserve Discount Window, and brokered deposits.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
We also view our investment portfolio as a liquidity source, as we have the option to pledge securities in our portfolio as collateral for borrowings or deposits and/or to sell selected securities in our portfolio .
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Our portfolio consists of debt issued by the U.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
The net favorable change in accumulated other comprehensive loss reflected a $8.8 million decrease in the investment securities loss that was partially offset by a $1.1 million decrease in the fair value of the interest rate swap related to subordinated debt.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Shareowners equity was reduced by common stock dividends of $12.6 million ($0.74 per share) and net adjustments totaling $2.0 million related to transactions under our stock compensation plans.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
financial system; the effects of natural disasters (including hurricanes), widespread health emergencies (including pandemics), military conflict, terrorism, civil unrest, climate change or other geopolitical events; our ability to declare and pay dividends; structural changes in the markets for origination, sale and servicing of residential mortgages; any inability to implement and maintain effective internal control over financial reporting and/or disclosure control; negative publicity and the impact on our reputation; and the limited trading activity and concentration of ownership of our common stock.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Strategy & priorities
Revenue growth driven by continued net interest margin expansion and higher noninterest income drove the improvement and resulted in a 4% increase in tangible book value per share.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
The increase in other income was primarily due to a $0.7 million gain from the sale of our insurance subsidiary (Capital City Strategic Wealth ) in the third quarter of 2025, and to a lesser extent higher miscellaneous income .
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC s Disclosure Update and Simplification Initiative.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
The Company closely monitors the performance of loans modified for borrowers experiencing financial difficulty to evaluate the effectiveness of its modification strategies.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
Specific segments of the loan portfolio are monitored and reported to the Board on a quarterly basis and have strategic plans in place to supplement Board approved credit policies governing exposure limits and underwriting standards.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
Risks & headwinds
FORWARD -LOOKING STATEMENTS Forward-looking statements in this Press Release are based on current plans and expectations that are subject to uncertainties and risks, which could cause our future results to differ materially.
SEC original ↗Capital City Bank Group Inc. — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Legal Proceedings 54 Item 1A.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
These forward-looking statements include, among others, statements about our beliefs, plans, objectives, goals, expectations, estimates and intentions that are subject to significant risks and uncertainties and are subject to change based on various factors, many of which are beyond our control.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
All forward-looking statements, by their nature, are subject to risks and uncertainties.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
However, other factors besides those listed in Item 1A Risk Factors or discussed in this Form 10-Q also could adversely affect our results, and you should not consider any such list of factors to be a complete set of all potential risks or uncertainties.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
Four unemployment forecast scenarios were utilized to estimate probability of default and are weighted based on management s estimate of their respective probabilities, which at June 30, 2026, were weighted more heavily towards an adverse economic outcome given ongoing uncertainty in growth and inflation.
SEC original ↗Capital City Bank Group Inc. — 10-Q Quarterly report10-QJul 29, 2026
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
30 documentsEarnings releases
11 documentsPresentations
0 documentsNo presentations for Capital City Bank Group Inc. are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Capital City Bank Group Inc. are held in this edition of the library.
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