---
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"
generated_at: "2026-05-17T03:08:40.940044+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-25-000040
- JSON: https://secwatch.observer/filing/0000726601-25-000040.json
- Plain text: https://secwatch.observer/filing/0000726601-25-000040.txt

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