CAPITAL CITY BANK GROUP INC (CCBG) Form 8-K — Oct 20, 2026
Capital City Bank Group (NASDAQ: CCBG) reported Q3 2026 net income of $16.9 million, or $0.99 per diluted share, up from $0.95 in Q2 2026 and $0.93 in Q3 2025. Net interest margin expanded 7 basis points to 4.42% on higher investment securities yields and lower deposit costs, while return on assets improved to 1.53%. Credit quality improved meaningfully, with nonperforming assets falling $3.7 million to $9.7 million and a $0.1 million provision benefit. CEO William G.
Key figures
- Eps
- 0.99
- Revenue
- Tax-equivalent net interest income $45.1 million (Q3 2026)
- Guidance
- Effective tax rate expected to approximate 23-24% for 2026 absent discrete items or new tax credit investments
- Net Income
- 16940000
- Total Assets
- 4396752000
- Cash Position
- Total cash and cash equivalents $411.6 million at September 30, 2026
- Loans hfi
- $2.49 billion, down 0.4% qoq
- Cet1 ratio
- 20.43%
- Total deposits
- $3.667 billion, down 1.5% from June 30, 2026
- Return on assets
- 1.53%
- Return on equity
- 11.67%
- Allowance coverage
- 1.22% of loans HFI
- Noninterest income
- $19.4 million, down 5.9% qoq
- Shareowners equity
- $573.9 million
- Net interest margin
- 4.42% (Q3 2026), up 7 bps sequentially
- Noninterest expense
- $42.3 million, down 0.8% qoq
- Nonperforming assets
- $9.7 million, down $3.7 million qoq
- Tangible common equity ratio
- 11.25%
- Tangible book value per share
- $28.26
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