---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-25-000004"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2025-01-28T23:59:59+00:00"
generated_at: "2026-05-27T08:44:51.256044+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Capital City Bank Group Q4 EPS $0.77, record full-year net income $52.9M

## Summary
- Q4 net income $13.1M ($0.77/share) flat vs Q3; up from $11.7M ($0.70) in Q4 2023.
- Full year 2024 net income $52.9M ($3.12/share) vs $52.3M ($3.07) in 2023; record earnings.
- Tangible book value per share up 15.6% to $23.70; dividend raised 15.8% to $0.23 quarterly.
- Net interest margin 4.17% in Q4 (up 5 bps QoQ); deposit costs down 6 bps; provision expense $0.7M.
- End-of-period loans down 1.2% ($31.5M); deposits up 2.6% ($92.9M) on seasonal public funds.

## SEC filing metadata
- accession: 0000726601-25-000004
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2025-01-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/726601/000072660125000004/0000726601-25-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660125000004/ccbg-20250128.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-25-000004
- JSON: https://secwatch.observer/filing/0000726601-25-000004.json
- Plain text: https://secwatch.observer/filing/0000726601-25-000004.txt

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