---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-22-000017"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2022-07-26T23:59:59+00:00"
generated_at: "2026-06-24T08:56:48.834127+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Capital City Bank Q2 net income $8.7M ($0.51 EPS); loans +11.5%, margin up 32 bps

## Summary
- Net income $8.7M ($0.51 diluted) vs $8.5M ($0.50) in Q1 and $7.4M ($0.44) in Q2 2021.
- Net interest income +14.7% QoQ; net interest margin 2.87%, up 32 bps from Q1.
- Period-end loans +$228.1M (11.5%) with $132M residential loan purchases from CCHL.
- Provision for credit losses $1.5M vs $0 in Q1 due to loan growth; credit metrics remain favorable.
- Noninterest income $24.9M, down $0.9M QoQ on lower insurance commissions.

## SEC filing metadata
- accession: 0000726601-22-000017
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2022-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726601/000072660122000017/0000726601-22-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660122000017/ccbg-20220630_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-22-000017
- JSON: https://secwatch.observer/filing/0000726601-22-000017.json
- Plain text: https://secwatch.observer/filing/0000726601-22-000017.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.