Capital City Bank Earnings Reports

Capital City Bank Group, Inc. delivered a strong third quarter in 2025, with net income attributable to common shareowners reaching $16.0 million, an increase from both the previous quarter and the same period last year. The company saw revenue growth driven by net interest margin expansion and higher noninterest income, leading to a 4% increase in tangible book value per share. Key performance indicators such as Return on Average Assets and Return on Average Equity were above peer averages.

Capital City Bank Group delivered a strong second quarter in 2025, with net income attributable to common shareowners reaching $15.0 million, an increase from the same period last year. The bank experienced sustained revenue growth, driven by a 3.9% increase in net interest income and an 8 basis point expansion in its net interest margin to 4.30%. The company also strengthened its capital position, with the tangible capital ratio increasing to 10.1%.

Capital City Bank delivered a solid Q1 2025 performance, with higher EPS and net income supported by improved noninterest income and margin expansion. Operational efficiency improved and credit quality metrics strengthened, while a property sale provided a one-time gain.

Capital City Bank Group, Inc. reported net income attributable to common shareowners of $13.1 million, or $0.77 per diluted share, for the fourth quarter of 2024, which is the same as the previous quarter but an increase compared to the fourth quarter of 2023. Tax-equivalent net interest income totaled $41.2 million and net interest margin increased to 4.17%.

Capital City Bank Group reported a net income attributable to common shareowners of $13.1 million, or $0.78 per diluted share, for the third quarter of 2024. This compares to $14.2 million, or $0.83 per diluted share, for the second quarter of 2024, and $12.7 million, or $0.74 per diluted share, for the third quarter of 2023. The results were driven by margin expansion, stable credit, and core deposit growth.

Capital City Bank Group reported a net income attributable to common shareowners of $14.2 million, or $0.83 per diluted share, for the second quarter of 2024. The results reflect margin expansion and stable credit quality.

Capital City Bank Group, Inc. reported a net income attributable to common shareowners of $12.6 million, or $0.74 per diluted share, for the first quarter of 2024. Credit quality remained stable, average deposits grew, and the dividend increased 5 percent.

Capital City Bank Group, Inc. reported a net income attributable to common shareowners of $11.7 million, or $0.70 per diluted share, for Q4 2023, compared to $9.6 million, or $0.56 per diluted share, for Q4 2022. The increase was driven by strong loan growth and higher interest rates.

Capital City Bank Group reported a net income attributable to common shareowners of $13.2 million, or $0.78 per diluted share, for the third quarter of 2023. The results reflect a decrease compared to the previous quarter, influenced by factors such as higher deposit costs and lower overnight funds interest, though the company maintained solid credit quality metrics.

Capital City Bank Group reported a solid second quarter with net income attributable to common shareowners of $14.6 million, or $0.85 per diluted share. The bank experienced loan growth and stable credit quality, though deposit balances declined slightly.

Capital City Bank Group, Inc. reported a strong first quarter in 2023, with net income attributable to common shareowners of $15.0 million, or $0.88 per diluted share. The results were driven by strong growth in net interest income and loan growth, which led to an increase in tangible book value per share.

Capital City Bank Group, Inc. reported a solid fourth quarter with net income attributable to common shareowners of $11.7 million, or $0.68 per diluted share. The results were driven by strong growth in net interest income and loan growth, while noninterest income decreased due to lower mortgage banking revenues.

Capital City Bank Group reported a net income attributable to common shareowners of $11.3 million, or $0.67 per diluted share, for Q3 2022, compared to $10.1 million, or $0.60 per diluted share, for Q3 2021. The increase was driven by loan growth and margin expansion.

Capital City Bank Group reported a solid financial performance for Q2 2022, with net income attributable to common shareowners of $8.7 million, or $0.51 per diluted share. Strong loan growth and higher interest rates contributed to the positive results, with net interest income growing by 14.7%.

Capital City Bank Group reported a net income attributable to common shareowners of $8.5 million, or $0.50 per diluted share, for the first quarter of 2022. The results reflect loan growth, strong credit quality, rising rates, and effective cost management.

Capital City Bank Group reported a net income of $6.4 million, or $0.38 per diluted share, for Q4 2021, a decrease compared to the previous quarter and the same quarter of the prior year. The results were impacted by lower SBA PPP loan income and a normalizing mortgage market, although operating revenues excluding these items improved. Full year net income reached a record $33.4 million.

Capital City Bank Group reported a net income of $10.1 million, or $0.60 per diluted share, for Q3 2021. Net interest income grew, and noninterest expense decreased due to lower pension settlement charges and a gain from the sale of a banking office. Credit quality improved, resulting in no loan loss provision for the quarter.

Capital City Bank Group reported a net income of $7.4 million for Q2 2021, a decrease compared to both the previous quarter and the same quarter last year. The results included a $2.0 million partial pension settlement charge. Despite challenges, the bank saw net interest income growth and strong loan growth, while credit quality metrics remained strong.

Capital City Bank Group reported a strong first quarter with net income of $9.5 million, driven by rising consumer spending, improving credit quality, and increased loan activity. The bank experienced solid growth in commercial real estate and residential loans, as well as strong performance in wealth management, mortgage, and debit/credit card services.

Capital City Bank Group reported net income of $7.7 million, or $0.46 per diluted share, for Q4 2020, a decrease compared to Q3 2020 and Q4 2019. The decrease was primarily due to lower mortgage banking revenues and higher noninterest expenses. However, operating revenues (excluding mortgage fees) improved by 1.8%.

Capital City Bank Group, Inc. reported a strong third quarter with a net income of $10.4 million, or $0.62 per diluted share, which is an increase of 12.7% over the second quarter. The results were driven by diversified revenue, a strong balance sheet, and the contribution of Capital City Home Loans.

Capital City Bank Group, Inc. reported net income of $9.1 million, or $0.55 per diluted share for the second quarter of 2020, which is an increase compared to the first quarter of 2020 and the second quarter of 2019. The results were positively impacted by Capital City Home Loans and pandemic related stimulus programs.

Capital City Bank Group reported a net income of $4.3 million, or $0.25 per diluted share, for Q1 2020. This includes a $5.0 million provision for credit losses, exceeding net loan charge-offs of $1.1 million, due to COVID-19's economic impact.

Capital City Bank Group, Inc. reported net income of $8.6 million, or $0.51 per diluted share for Q4 2019, compared to $8.5 million, or $0.50 per diluted share for Q3 2019, and $8.5 million, or $0.50 per diluted share for Q4 2018. For the full year 2019, net income totaled $30.8 million, or $1.83 per diluted share, compared to net income of $26.2 million, or $1.54 per diluted share for 2018.