---
schema_version: "secwatch.filing_event.v1"
accession: "0000726601-26-000020"
form_type: "8-K"
ticker: "CCBG"
cik: "0000726601"
company_name: "CAPITAL CITY BANK GROUP INC"
filed_at: "2026-07-21T15:43:24+00:00"
generated_at: "2026-07-21T15:44:10.197017+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000726601-26-000020
- form_type: 8-K
- ticker: CCBG
- cik: 0000726601
- company_name: CAPITAL CITY BANK GROUP INC
- filed_at: 2026-07-21T15:43:24+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/726601/000072660126000020/0000726601-26-000020-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/726601/000072660126000020/ccbg-20260721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-26-000020
- JSON: https://secwatch.observer/filing/0000726601-26-000020.json
- Plain text: https://secwatch.observer/filing/0000726601-26-000020.txt

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