{"schema_version":"secwatch.filing_event.v1","accession":"0000726601-26-000027","form_type":"8-K","ticker":"CCBG","cik":"0000726601","company_name":"CAPITAL CITY BANK GROUP INC","filed_at":"2026-10-20T15:14:05+00:00","discovered_at":"2026-10-20T15:15:00.253216+00:00","generated_at":"2026-10-20T15:15:04.715448+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Capital City Bank Q3 2026 net income $16.9M, EPS $0.99; NIM rises 7bp to 4.42%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000726601-26-000027","json":"https://secwatch.observer/filing/0000726601-26-000027.json","markdown":"https://secwatch.observer/filing/0000726601-26-000027.md","text":"https://secwatch.observer/filing/0000726601-26-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/726601/000072660126000027/0000726601-26-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/726601/000072660126000027/ccbg-20261020.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T15:15:04.715448+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}