secwatch.observer — SEC 8-K summary
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Issuer:     CAPITAL CITY BANK GROUP INC (CCBG)
CIK:        0000726601
Form:       8-K
Filed at:   2026-10-20T15:14:05+00:00
Accession:  0000726601-26-000027
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/726601/000072660126000027/0000726601-26-000027-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/726601/000072660126000027/ccbg-20261020.htm
  HTML page:      https://secwatch.observer/filing/0000726601-26-000027

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