secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL CITY BANK GROUP INC (CCBG)
CIK:        0000726601
Form:       8-K
Filed at:   2026-07-21T15:43:24+00:00
Accession:  0000726601-26-000020
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/726601/000072660126000020/0000726601-26-000020-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/726601/000072660126000020/ccbg-20260721.htm
  HTML page:      https://secwatch.observer/filing/0000726601-26-000020

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