Capital City Bank Group Q2 net income $16.3M ($0.95 EPS), NIM expands 11 bps to 4.35%

CAPITAL CITY BANK GROUP INC

Net income $16.3M ($0.95 diluted EPS) vs $15.8M ($0.92) in Q1 and $15.0M ($0.88) in Q2 2025.
Net interest margin 4.35%, up 11 bps QoQ; cost of funds down 6 bps to 75 bps.
Noninterest income $20.6M (+3.3% QoQ) driven by mortgage banking and bank card fees; noninterest expense $42.6M (+3.1% QoQ).
Loans HFI down $18.5M (0.7%) end-of-period; deposits down $30.6M (0.8%) due to seasonal public fund decline.
Nonperforming assets $13.4M (0.30% of assets); classified loans up $15.3M to $29.8M from four CRE downgrades.

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