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Sep 30
Capital City Bank Q3 2025 Earnings Report
Capital City Bank Group, Inc. reported strong third quarter 2025 results with increased net income and improved key performance indicators.
Key Takeaways
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.
Net income attributable to common shareowners increased to $16.0 million, or $0.93 per diluted share, for Q3 2025.
Net interest margin expanded by four basis points to 4.34% in Q3 2025, driven by a decline in the cost of funds.
Noninterest income grew by 11.6% to $22.3 million, primarily due to a $0.7 million gain from the sale of an insurance subsidiary and higher mortgage banking and deposit fees.
The company maintained strong capital adequacy, with all regulatory capital ratios exceeding 'well-capitalized' thresholds under Basel III standards.
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 anticipates finishing 2025 strong and maintaining momentum into 2026, with an expected annual effective tax rate of approximately 24% for 2025, absent discrete items or new tax credit investments.
Positive Outlook
- Expects continued momentum in 2026.
- Anticipates finishing the year strong.
- Maintains a position of strength.
- Effective tax rate expected to approximate 24% for 2025.
- No specific positive forward-looking statements beyond general optimism.
Challenges Ahead
- Future results could differ materially due to various uncertainties and risks.
- Impacts from changes in trade, monetary, and fiscal policies and laws, including Federal Reserve interest rate policies.
- Risks related to inflation, interest rate, market, and monetary fluctuations.
- Potential for greater than expected costs or difficulties related to new products and lines of business.
- Costs and effects of cyber incidents or other failures, interruptions, or security breaches of systems.