CCBG Q2 2025 EPS $0.88 vs $0.99 QoQ; NIM expands to 4.30%

CAPITAL CITY BANK GROUP INC

2025-Q2 EPS reported $1.87

Net income $15.0M ($0.88 diluted EPS) vs Q1 $16.9M ($0.99) and Q2 2024 $14.2M ($0.83).
Tax-equivalent NII $43.2M; NIM 4.30% (+8bps QoQ, +28bps YoY); cost of funds 82bps.
Provision for credit losses $0.6M (down from $0.8M Q1); net charge-offs stable at 9bps; allowance/loans 1.13%.
Noninterest expense $42.5M (+9.9% QoQ) due to absence of $3.9M building-sale gain in Q1.
Tangible book value per share +3.2% QoQ; total risk-based capital ratio 19.60% (well-capitalized).

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