---
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"
generated_at: "2026-10-20T15:15:04.715448+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000726601-26-000027
- JSON: https://secwatch.observer/filing/0000726601-26-000027.json
- Plain text: https://secwatch.observer/filing/0000726601-26-000027.txt

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