Capital City Bank Group, Inc. (CCBG) SEC Filings & Earnings Calls
EquiReason read 13 Capital City Bank Group, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-10-20 — Capital City Bank Group reported Q3 2026 EPS of $0.99 vs $0.93 YoY, net income $16.9M vs $16.0M YoY, NIM expanded 7 bps to 4.42%, credit quality improved, loan balances slightly do.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 864.7M
- P/E TTM
- 14.0
- Dividend yield
- 2.1%
- 52-week
- —
- Next earnings
- 25 Jan, in 93 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
20 Oct 20268-K · 2.02Capital City Bank Group reported Q3 2026 EPS of $0.99 vs $0.93 YoY, net income $16.9M vs $16.0M YoY, NIM expanded 7 bps to 4.42%, credit quality improved, loan balances slightly down.earningsopen
Figures in the filing · each found in the filing text
| Earnings per share (diluted) · Q3-2026 | $0.99 | +6% y/y |
| Net income · Q3-2026 | $17M | +6% y/y |
| Net interest margin (tax-equivalent) · Q3-2026 | 4.4% | |
| Return on assets (ROA) · Q3-2026 | 1.5% | |
| Return on equity (ROE) · Q3-2026 | 11.7% | |
| Tax-equivalent net interest income · Q3-2026 | $45M | +3% y/y |
| Earning asset yield · Q3-2026 | 5.2% | |
| Provision for credit losses · Q3-2026 | $-100000.00 | -105% y/y |
| Average earning assets · Q3-2026 | $4.04B | |
| Allowance for credit losses on loans HFI · Q3-2026 | $30M | -2% y/y |
Guidance
FY2026 effective tax rate expected to approximate 23-24%
No explicit financial guidance provided beyond effective tax rate expectation of 23-24% for FY2026. Management tone positive on momentum.
Risks flagged
Loan balances continue to contract, down 2.2% from year-end 2025
“Loans HFI at September 30, 2026, decreased $10.1 million, or 0.4% from June 30, 2026, and decreased $56.4 million, or 2.2% from December 31, 2025.” · word for word
Noninterest income declined due to lower mortgage banking and deposit fees
“Noninterest income decreased $1.2 million, or 5.9%, driven by lower mortgage banking revenues and deposit fees” · word for word
Deposit balances declined seasonally but also reflect ongoing pressure
“Deposit balances decreased $31.2 million, or 0.9% (average), and decreased $54.4 million, or 1.5% (end of period) due to the normal seasonal decrease in our public fund balances” · word for word
29 Jul 202610-QCapital City Bank Group reported Q2 2026 net income of $16.3M ($0.95/diluted share), up from $15.0M ($0.88) in Q2 2025, with NIM expansion but credit quality deterioration.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Margin (FTE) · Q2-2026 | 4.3% | |
| Net Income · Q2-2026 | $16M | +8% y/y |
| Diluted EPS · Q2-2026 | $0.95 | +8% y/y |
| Net Interest Income (FTE) · Q2-2026 | $44M | +2% y/y |
| Efficiency Ratio · Q2-2026 | 65.8% | |
| Return on Average Assets (annualized) · Q2-2026 | 1.5% | |
| Return on Average Equity (annualized) · Q2-2026 | 11.4% | |
| Tangible Common Equity Ratio (non-GAAP) · Q2-2026 | 11.0% | |
| Allowance for Credit Losses to Loans HFI · Q2-2026 | 1.2% | |
| Nonperforming Assets to Total Assets · Q2-2026 | 0.3% |
Risks flagged
Credit Quality Deterioration
“classified loans totaled $29.8 million at June 30, 2026, a $15.3 million increase over March 31, 2026, and a $15.5 million increase over December 31, 2025.” · word for word
Wealth Management Fee Decline
“Wealth management fees for the second quarter of 2026 totaled $4.2 million, an increase of $0.1 million, or 3.3%, over the first quarter of 2026 and a $1.0 million, or 19.6%, decrease from the second quarter of 2025.” · word for word
Deposit Fee Revenue Decline Expected
“We expect deposit fee income to decline beginning in the third quarter of 2026 due to updates of our deposit product offerings.” · word for word
21 Jul 20268-K · 2.02CCBG reported Q2 2026 net income of $16.3M ($0.95/diluted share) vs $15.0M ($0.88) a year ago; NIM expanded 11bp to 4.35%; ROA 1.48%, ROE 11.38%; stable credit quality; loan balances declined 0.7% EOP; deposits down 0.8% due to seasonal pubearningsopen
Figures in the filing · each found in the filing text
| Net income attributable to common shareowners · Q2-2026 | $16M | +9% y/y |
| Diluted EPS · Q2-2026 | $0.95 | +8% y/y |
| Net interest margin · Q2-2026 | 4.3% | |
| Return on Assets · Q2-2026 | 1.5% | |
| Return on Equity · Q2-2026 | 11.4% | |
| Allowance for credit losses to total loans · Q2-2026 | 1.2% | |
| Effective tax rate · Q2-2026 | 23.4% |
Risks flagged
Loan and deposit balances declined modestly, partly seasonal but may indicate muted loan demand.
“Loan balances decreased $32.4 million, or 1.3% (average); Deposit balances decreased $12.2 million, or 0.3% (average) due to the seasonal decrease in our public fund balances.”
28 Apr 202610-QNet Interest Income (FTE) $43M (+3% y/y); Net Income Attributable to CCBG $16M (-6% y/y); Net Interest Margin (FTE) 4.24open
Figures in the filing · each found in the filing text
| Net Interest Income (FTE) · Q1-2026 | $43M | +3% y/y |
| Net Income Attributable to CCBG · Q1-2026 | $16M | -6% y/y |
| Net Interest Margin (FTE) · Q1-2026 | 4.2% | |
| Diluted EPS · Q1-2026 | $0.92 | -7% y/y |
| Average Deposits · Q1-2026 | $3.69B | +1% y/y |
| Nonperforming Assets · Q1-2026 | $13M | +193% y/y |
| Allowance for Credit Losses to Loans HFI · Q1-2026 | 1.2% | |
| Efficiency Ratio · Q1-2026 | 65.9% | |
| Tangible Common Equity Ratio · Q1-2026 | 10.8% |
Risks flagged
Credit Deterioration
“Nonperforming assets as a percentage of total assets was 0.29%, compared to 0.24% at December 31, 2025 and 0.10% at March 31, 2025.” · word for word
Loan Portfolio Shrinkage
“Average loans HFI decreased by $127.6 million, or 4.7%, from the first quarter of 2025.”
20 Apr 20268-K · 2.02Net Income Attributable to Common Shareowners $16M; Diluted Earnings Per Share $0.92; Return on Assets 1.45earningsopen
Figures in the filing · each found in the filing text
| Net Income Attributable to Common Shareowners · Q1-2026 | $16M | |
| Diluted Earnings Per Share · Q1-2026 | $0.92 | |
| Return on Assets · Q1-2026 | 1.4% | |
| Return on Equity · Q1-2026 | 11.3% | |
| Net Interest Margin · Q1-2026 | 4.2% |
Risks flagged
Credit quality stable with net charge-offs of 10bp annualized and allowance coverage ratio of 1.23%.
“Credit quality metrics remained stable, with net loan charge-offs of 10 basis points (annualized) of average loans, while the allowance coverage ratio increased one basis point to 1.23% as of March 31, 2026.” · word for word
10 Mar 2026DEF 14ANet Income $62M (+16% y/y); Diluted EPS $3.60 (+15% y/y); Total Shareholder Return (5-year) $196.09 (+44% y/y)open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $62M | +16% y/y |
| Diluted EPS · FY2025 | $3.60 | +15% y/y |
| Total Shareholder Return (5-year) · FY2025 | $196.09 | +44% y/y |
| CEO Base Salary · FY2025 | $520000.00 | +4% y/y |
| CEO Total Target Incentive · FY2025 | $1M | |
| CEO Stock Ownership · FY2025 | 2,970,720 |
27 Feb 202610-KRevenue $287M (+6% y/y); Net Income $62M (+16% y/y); Net Interest Margin 4.28; Guidance: Effective tax rate expected ~24% for 2026; capex ~$10M over next 12 monthsopen
Figures in the filing · each found in the filing text
| Revenue · FY2025 | $287M | +6% y/y |
| Net Income · FY2025 | $62M | +16% y/y |
| Net Interest Margin · FY2025 | 4.3% | |
| Efficiency Ratio · FY2025 | 65.7% | |
| Nonperforming Assets / Total Assets · FY2025 | 0.2% | |
| Total Risk-Based Capital Ratio · FY2025 | 21.4% |
Guidance
Effective tax rate expected ~24% for 2026; capex ~$10M over next 12 months
Management expects to reinvest cash flow from investment portfolio and allocate to support loan demand. Capex ~$10M. Effective tax rate ~24%.
Risks flagged
Credit Quality Deterioration
“Nonperforming assets (nonaccrual loans and other real estate) totaled $10.5 million at December 31, 2025, compared to $6.7 million at December 31, 2024.” · word for word
Geographic Concentration
“The majority of the revenue, approximately 81%, is derived from our Florida market areas” · word for word
Real Estate Concentration
“a significant portion of our HFI loan portfolio has historically been secured with real estate, approximately 86% at December 31, 2025” · word for word
27 Jan 20268-K · 2.02Net Income Attributable to Common Shareowners $14M (+5% y/y); Diluted Earnings Per Share $0.80 (+4% y/y); Net Interest Margin (Tax-Equivalent) 4.26; Guidance: CEO expressed optimism for 2026earningsopen
Figures in the filing · each found in the filing text
| Net Income Attributable to Common Shareowners · Q4-2025 | $14M | +5% y/y |
| Diluted Earnings Per Share · Q4-2025 | $0.80 | +4% y/y |
| Net Interest Margin (Tax-Equivalent) · Q4-2025 | 4.3% | |
| Net Interest Income (Tax-Equivalent) · Q4-2025 | $43M | +5% y/y |
| Full Year Net Income Attributable to Common Shareowners · FY2025 | $62M | +16% y/y |
| Full Year Diluted Earnings Per Share · FY2025 | $3.60 | +15% y/y |
| Full Year Net Interest Margin (Tax-Equivalent) · FY2025 | 4.3% | |
| Full Year Net Interest Income (Tax-Equivalent) · FY2025 | $172M | +8% y/y |
Guidance
CEO expressed optimism for 2026
CEO expressed confidence in another successful year in 2026, supported by strong fundamentals.
Risks flagged
Loan balances declined 4.0% YoY (end of period), indicating potential demand weakness or credit tightening.
“Loan balances decreased $105.4 million, or 4.0% (end of period).”
31 Oct 202510-QCCBG reported Q3 2025 net income of $16.0M ($0.93/diluted share), up 21.6% YoY, with NIM expanding 22 bps YoY to 4.34%.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Margin (FTE) · Q3-2025 | 4.3% | |
| Net Income Attributable to CCBG · Q3-2025 | $16M | +22% y/y |
| Earnings Per Share (Diluted) · Q3-2025 | $0.93 | +21% y/y |
| Efficiency Ratio · Q3-2025 | 65.1% | |
| Net Interest Income (FTE) · Q3-2025 | $44M | +8% y/y |
| Nonperforming Assets · Q3-2025 | $10M | +38% y/y |
Risks flagged
Loan Portfolio Contraction
“Average loans HFI decreased $46.4 million, or 1.8%, from the second quarter of 2025” · word for word
Rising Nonperforming Assets
“Nonperforming assets totaled $10.0 million at September 30, 2025 compared to $6.6 million at June 30, 2025”
Deposit Outflow
“Total deposits were $3.615 billion, a decrease of $89.9 million, or 2.4%, from June 30, 2025” · word for word
Capital City Bank Group, Inc. — questions
- What did Capital City Bank Group, Inc. file recently?
- 13 SEC filings in the last 12 months. Latest: 8-K on 2026-10-20 — Capital City Bank Group reported Q3 2026 EPS of $0.99 vs $0.93 YoY, net income $16.9M vs $16.0M YoY, NIM expanded 7 bps to 4.42%, credit quality improved, loan balances slightly down.
Every figure on this page comes from Capital City Bank Group, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.