---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-25-000028"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:44:41.252533+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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).

## SEC filing metadata
- accession: 0000726601-25-000028
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2025-07-22T23:59:59+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/726601/000072660125000028/0000726601-25-000028-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660125000028/ccbg-20250722.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-25-000028
- JSON: https://secwatch.observer/filing/0000726601-25-000028.json
- Plain text: https://secwatch.observer/filing/0000726601-25-000028.txt

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