CCBG Q3 earnings: net income $16.0M ($0.93 EPS); NIM expands to 4.34%, loans decline 1.9% QoQ

CAPITAL CITY BANK GROUP INC

2025-Q3 EPS reported $2.80

Net income attributable to common shareowners of $16.0M ($0.93 diluted) vs $15.0M ($0.88) in Q2 and $13.1M ($0.77) in Q3 2024.
Tax-equivalent net interest income $43.6M; net interest margin 4.34% (+4bps QoQ, +22bps YoY); cost of funds fell to 78bps.
Loans HFI decreased $49.5M (1.9%) end-of-period; deposits down $89.9M (2.4%) due to seasonal public fund decline.
Noninterest income up 11.6% QoQ to $22.3M, including $0.7M gain from sale of insurance subsidiary (Capital City Strategic Wealth).
Nonperforming assets increased to $10.0M (0.23% of assets) from $6.6M; allowance coverage ratio improved to 1.17%.

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