---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-24-000037"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:58:04.693629+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CCBG Q3 net income $13.1M ($0.78/sh); NIM expands to 4.12%, dividend raised 9.5%

## Summary
- Net income $13.1M, down from $14.2M in Q2 but up from $12.7M a year ago; diluted EPS $0.78 vs $0.83 Q2.
- Tax-equivalent NII $40.3M, up $1.0M QoQ; net interest margin 4.12%, +10 bps from Q2, +9 bps YoY.
- Average loans HFI down $33.2M (-1.2%) QoQ; average deposits down $69.0M (-1.9%) due to seasonal public funds.
- Tangible book value per diluted share rose $0.91 (+4.2%) to $22.68; quarterly dividend increased 9.5% to $0.235/sh.
- Noninterest expense $42.9M, up $2.5M QoQ, including $0.5M VISA share swap payment; credit loss provision $1.2M.

## SEC filing metadata
- accession: 0000726601-24-000037
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/726601/000072660124000037/0000726601-24-000037-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660124000037/ccbg-20241022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-24-000037
- JSON: https://secwatch.observer/filing/0000726601-24-000037.json
- Plain text: https://secwatch.observer/filing/0000726601-24-000037.txt

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