Capital City Bank Group Q4 net income $13.7M ($0.80 EPS); FY 2025 net income $61.6M ($3.60 EPS)

CAPITAL CITY BANK GROUP INC

2025-FY EPS reported $3.60

Q4 net income $13.7M ($0.80 EPS), down from Q3 $16.0M ($0.93) but up from $13.1M ($0.77) a year ago.
FY 2025 net income $61.6M ($3.60 EPS) vs $52.9M ($3.12) in 2024, up 16.6%.
Net interest margin 4.26% in Q4 (down 8bps QoQ, up 9bps YoY); full-year 4.28% (+20bps).
Tangible book value per share up 14.3% YoY; dividend increased 13.6% in 2025.
Nonperforming assets $10.6M (0.24% of assets); allowance 1.22%; net charge-offs 18bps annualized.

item 2.02item 9.01

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