)

Capital City Bank Group (CCBG) investor relations material
Capital City Bank Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income attributable to common shareowners was $15.0 million ($0.88 per diluted share) for Q2 2025, down from $16.9 million ($0.99) in Q1 2025, but up from $14.2 million ($0.83) in Q2 2024.
For the first six months of 2025, net income was $31.9 million ($1.87 per diluted share), up from $26.7 million ($1.57) in the same period of 2024.
Sustained revenue growth and credit strength highlighted the quarter, with a 3.9% increase in net interest income and 8 basis point expansion in net interest margin sequentially.
Tangible book value per share rose 3.2% sequentially, and capital position further strengthened.
Net interest income and noninterest income both increased year-over-year, while noninterest expense also rose, mainly due to higher compensation costs.
Financial highlights
Tax-equivalent net interest income for Q2 2025 was $43.2 million, up from $41.6 million in Q1 2025 and $39.3 million in Q2 2024.
Net interest margin for Q2 2025 was 4.30%, up 8 bps from Q1 2025 and 28 bps from Q2 2024.
Noninterest income for Q2 2025 was $20.0 million, a 0.5% increase sequentially and 2.1% year-over-year.
Noninterest expense for Q2 2025 was $42.5 million, up 9.9% from Q1 2025 and 5.2% from Q2 2024, mainly due to compensation and lower gains from asset sales.
Efficiency ratio for Q2 2025 was 67.26%, compared to 62.93% in Q1 2025 and 68.61% in Q2 2024.
Outlook and guidance
Management expects the annual effective tax rate to approximate 24% for 2025, absent discrete items or new tax credit investments.
Capital expenditures are expected to be approximately $10 million over the next 12 months, funded with existing resources.
Focus remains on executing strategies for consistent, profitable growth and maintaining a strong balance sheet.
Next Capital City Bank Group earnings date

Next Capital City Bank Group earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage