---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-23-000036"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2023-10-24T23:59:59+00:00"
generated_at: "2026-06-09T15:11:25.535951+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CCBG Q3 net income $13.2M ($0.78 EPS) vs $14.6M ($0.85) in Q2; NIM 4.02%

## Summary
- Net income down 9.6% QoQ; EPS $0.78 vs $0.85 Q2 and $0.67 year ago.
- Tax-equivalent NII $39.2M; NIM 4.02%, down 3 bps from Q2 due to higher deposit costs.
- Avg loans +$15M (+0.6% QoQ); avg deposits -$115M (-3.3%) on seasonal public fund decline.
- NPAs at 0.11% of assets; allowance coverage of loans 1.07% (up from 1.05% Q2).
- Repurchased 36,411 shares in Q3; tangible book value +$0.50 to $19.72/share.

## SEC filing metadata
- accession: 0000726601-23-000036
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2023-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726601/000072660123000036/0000726601-23-000036-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660123000036/ccbg20230930pr8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-23-000036
- JSON: https://secwatch.observer/filing/0000726601-23-000036.json
- Plain text: https://secwatch.observer/filing/0000726601-23-000036.txt

## Key facts
- Earnings Releases
  CAPITAL CITY BANK GROUP INC reported three and nine month periods ended September 30, 2023 results: net income $13.2 million, or $0.78 per diluted share, for the third quarter of 2023.
  - Period: three and nine month periods ended September 30, 2023
  - Net income: $13.2 million, or $0.78 per diluted share, for the third quarter of 2023
  - Result: reported results
  source text: On October 24, 2023, Capital City Bank Group, Inc. (“CCBG”) issued an earnings press release reporting CCBG’s financial results for the three and nine month periods ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/726601/000072660123000036/0000726601-23-000036-index.htm

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