secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL CITY BANK GROUP INC (CCBG)
CIK:        0000726601
Form:       8-K
Filed at:   2025-10-21T23:59:59+00:00
Accession:  0000726601-25-000040
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/726601/000072660125000040/0000726601-25-000040-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/726601/000072660125000040/ccbg-20251021.htm
  HTML page:      https://secwatch.observer/filing/0000726601-25-000040

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