---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-26-000002"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:42:15.114532+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000726601-26-000002
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/726601/000072660126000002/0000726601-26-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660126000002/ccbg-20260127.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-26-000002
- JSON: https://secwatch.observer/filing/0000726601-26-000002.json
- Plain text: https://secwatch.observer/filing/0000726601-26-000002.txt

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