---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-25-000016"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2025-04-21T23:59:59+00:00"
generated_at: "2026-05-23T10:45:07.967640+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Capital City Bank Q1 net income $16.9M ($0.99/diluted) vs $13.1M Q4 2024; NIM 4.22%

## Summary
- Net income $16.9M ($0.99 diluted EPS) vs Q4 2024 $13.1M ($0.77) and Q1 2024 $12.6M ($0.74).
- Net interest margin 4.22%, up 5 bps QoQ; deposit cost down 4 bps to 82 bps.
- Noninterest income up 6.1% to $19.9M; mortgage banking +$0.7M, wealth management +$0.5M.
- Noninterest expense down 7.4% to $38.7M; gain on sale of operations center added $0.17/diluted share.
- Credit quality improved; net charge-offs 9 bps annualized (vs 25 bps Q4 2024); nonperforming assets $4.4M.

## SEC filing metadata
- accession: 0000726601-25-000016
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2025-04-21T23:59:59+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/726601/000072660125000016/0000726601-25-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660125000016/ccbg-20250421.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-25-000016
- JSON: https://secwatch.observer/filing/0000726601-25-000016.json
- Plain text: https://secwatch.observer/filing/0000726601-25-000016.txt

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