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Dec 31, 2025
Capital City Bank Q4 2025 Earnings Report
Capital City Bank Group, Inc. reported fourth quarter 2025 results.
Key Takeaways
Capital City Bank Group, Inc. reported a net income of $13.7 million, or $0.80 per diluted share, for the fourth quarter of 2025. The company experienced a slight decrease in tax-equivalent net interest income and a 10.0% decrease in noninterest income, primarily due to lower other income, mortgage revenues, and wealth management fees. Despite these decreases, the company maintained stable credit quality metrics and saw an increase in deposit balances.
Net income attributable to common shareowners for Q4 2025 was $13.7 million, a decrease from $16.0 million in Q3 2025 but an increase from $13.1 million in Q4 2024.
Diluted EPS for Q4 2025 was $0.80, compared to $0.93 in Q3 2025 and $0.77 in Q4 2024.
Tax-equivalent net interest income totaled $43.4 million, a slight decrease from $43.6 million in the prior quarter.
Noninterest income decreased by $2.2 million, or 10.0%, primarily due to lower other income, mortgage revenues, and wealth management fees.
Revenue by Segment
Forward Guidance
Capital City Bank Group, Inc. expects its annual effective tax rate to approximate 24% for 2026, absent discrete items or new tax credit investments. The company anticipates continued success in 2026, building on its commitment to core deposits, disciplined credit management, and healthy liquidity and capital.
Positive Outlook
- Expects annual effective tax rate to approximate 24% for 2026.
- Strong shareholder returns in 2025, including a 14.3% increase in tangible book value per share and a 13.6% increase in dividend.
- Commitment to core deposits, disciplined credit management, and healthy liquidity and capital.
- Anticipates another successful year in 2026.
- Regulatory capital ratios exceeded 'well-capitalized' thresholds under Basel III capital standards.
Challenges Ahead
- Future results could differ materially due to uncertainties and risks.
- Effects of and changes in trade and monetary and fiscal policies and laws, including Federal Reserve Board interest rate policies.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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