Loading...
•
Mar 31
Capital City Bank Q1 2025 Earnings Report
Capital City Bank reported increased earnings and strong margin expansion in Q1 2025.
Key Takeaways
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.
Net income rose to $16.9M, up from $12.6M YoY.
EPS increased to $0.99 per share.
Net interest margin expanded to 4.22%.
Realized $0.17/share gain from operations center sale.
Capital City Bank
Capital City Bank
Capital City Bank Revenue by Segment
Revenue by Segment
Deposit Fees Revenue
CapyFin.comBank Card Fees Revenue
CapyFin.comWealth Management Fees Revenue
CapyFin.comMortgage Banking Revenues Revenue
CapyFin.comOther Noninterest Income Revenue
CapyFin.com Forward Guidance
The company expects stable credit quality and flexibility in navigating market uncertainty, aided by a strong balance sheet and diversified revenue sources.
Positive Outlook
- Strong deposit growth driven by seasonal public fund inflows
- Increased net interest margin with higher investment yields
- Reduced deposit cost supports net interest income
- Improved noninterest income from mortgage and wealth management
- Strong capital position with CET1 at 16.08%
Challenges Ahead
- Loan balances slightly decreased on average
- Decrease in consumer and commercial loans YoY
- Real estate construction loans dropped significantly from prior quarter
- Deposit mix shift includes declines in savings accounts
- Higher gains from asset sales may not be recurring