---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-22-000026"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2022-10-25T23:59:59+00:00"
generated_at: "2026-06-23T01:28:57.427294+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# Capital City Bank Group Q3 net income $11.3M ($0.67 EPS); NIM expands 44bps to 3.31%

## Summary
- Net income $11.3M ($0.67 diluted EPS) vs $8.7M ($0.51) in Q2 2022 and $10.1M ($0.60) in Q3 2021.
- Net interest margin 3.31%, up 44 bps QoQ; loan growth 6.0% period-end, 8.6% average.
- Provision for credit losses $2.1M, driven by loan growth; nonperforming assets $2.4M (0.06% of assets).
- Noninterest income down $2.0M QoQ to $22.9M on lower mortgage banking; expenses down $0.7M to $39.8M.
- Capital ratios well-capitalized: total risk-based 15.75%, CET1 12.83%, leverage 8.91%.

## SEC filing metadata
- accession: 0000726601-22-000026
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2022-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726601/000072660122000026/0000726601-22-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660122000026/ccbg-202209308k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-22-000026
- JSON: https://secwatch.observer/filing/0000726601-22-000026.json
- Plain text: https://secwatch.observer/filing/0000726601-22-000026.txt

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