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Jun 30
Capital City Bank Q2 2025 Earnings Report
Capital City Bank Group, Inc. reported its second quarter 2025 results, showing increased net income and an expanded net interest margin.
Key Takeaways
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%.
Net income attributable to common shareowners for Q2 2025 was $15.0 million, up from $14.2 million in Q2 2024.
Diluted EPS for Q2 2025 was $0.88, an increase from $0.83 in Q2 2024.
Net interest margin expanded by 28 basis points year-over-year to 4.30% in Q2 2025.
Tangible common equity ratio improved to 10.09% at June 30, 2025, compared to 8.91% at June 30, 2024.
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
Capital City Bank Group expects its annual effective tax rate to be approximately 24% for 2025, assuming no discrete items or new tax credit investments.
Positive Outlook
- Expects annual effective tax rate to approximate 24% for 2025.
- Continued focus on executing strategies that drive consistent, profitable growth.
- Maintaining a fortress balance sheet for resilience and strategic flexibility.
- New investment purchases at higher yields are expected to continue driving investment securities income.
- Gradual decrease in deposit rates is expected to continue contributing to lower deposit interest expense.
Challenges Ahead
- Future results could differ materially due to uncertainties and risks.
- Changes in trade, monetary, and fiscal policies, including Federal Reserve Board interest rate policies, could impact results.
- Inflation, interest rate, market, and monetary fluctuations pose risks.
- Costs and effects of legal and regulatory developments, and outcomes of legal proceedings or regulatory inquiries, could affect performance.
- Changes in accounting policies and practices, or accuracy of financial statement estimates and assumptions, could impact reported results.