{"schema_version":"secwatch.filing_event.v1","accession":"0000726601-25-000040","form_type":"8-K","ticker":"CCBG","cik":"0000726601","company_name":"CAPITAL CITY BANK GROUP INC","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.019572+00:00","generated_at":"2026-05-17T03:08:40.940044+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"CCBG Q3 earnings: net income $16.0M ($0.93 EPS); NIM expands to 4.34%, loans decline 1.9% QoQ","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000726601-25-000040","json":"https://secwatch.observer/filing/0000726601-25-000040.json","markdown":"https://secwatch.observer/filing/0000726601-25-000040.md","text":"https://secwatch.observer/filing/0000726601-25-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/726601/000072660125000040/0000726601-25-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/726601/000072660125000040/ccbg-20251021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:08:40.940044+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}