secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL CITY BANK GROUP INC (CCBG)
CIK:        0000726601
Form:       8-K
Filed at:   2025-04-21T23:59:59+00:00
Accession:  0000726601-25-000016
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/726601/000072660125000016/0000726601-25-000016-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/726601/000072660125000016/ccbg-20250421.htm
  HTML page:      https://secwatch.observer/filing/0000726601-25-000016

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