Capital City Bank Q3 2026 net income $16.9M, EPS $0.99; NIM rises 7bp to 4.42%

CAPITAL CITY BANK GROUP INC

Net income attributable to common shareowners $16.9M, or $0.99 per diluted share, vs $16.3M/$0.95 in Q2 2026 and $16.0M/$0.93 in Q3 2025; ROA 1.53%, ROE 11.67%.
Tax-equivalent net interest income $45.1M vs $44.2M in Q2; net interest margin 4.42% (+7bp QoQ, +8bp YoY); cost of funds 73bp, down 2bp.
Provision was a $0.1M benefit vs $0.9M expense in Q2; net charge-offs 8bp of average loans vs 14bp; nonperforming assets $9.7M (0.22% of assets), down $3.7M QoQ.
Noninterest income $19.4M, down 5.9% QoQ on lower mortgage banking revenue (-$1.0M) and deposit fees (-$0.5M); noninterest expense $42.3M, down 0.8%.
Deposits $3.667B, down $54.4M (-1.5%) from June 30 on $58.3M lower seasonal public funds; loans HFI down $10.1M; CET1 20.43%, TCE ratio 11.25%.

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