secwatch.observer — SEC 8-K summary
======================================

Issuer:     CAPITAL CITY BANK GROUP INC (CCBG)
CIK:        0000726601
Form:       8-K
Filed at:   2025-07-22T23:59:59+00:00
Accession:  0000726601-25-000028
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/726601/000072660125000028/0000726601-25-000028-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/726601/000072660125000028/ccbg-20250722.htm
  HTML page:      https://secwatch.observer/filing/0000726601-25-000028

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer