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Capital City Bank Group (CCBG) investor relations material
Capital City Bank Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Net income attributable to common shareowners was $16.0 million ($0.93 per diluted share) for Q3 2025, up from $15.0 million ($0.88) in Q2 2025 and $13.1 million ($0.77) in Q3 2024.
For the first nine months of 2025, net income was $47.9 million ($2.80 per diluted share), up from $39.8 million ($2.35) in the same period of 2024.
Return on average assets was 1.47% and return on average equity was 11.67% for Q3 2025, both above peer averages.
Noninterest income rose to $22.3 million in Q3 2025, driven by gains from the sale of an insurance subsidiary and higher mortgage banking revenues.
Financial highlights
Tax-equivalent net interest income for Q3 2025 was $43.6 million, up from $43.2 million in Q2 2025 and $40.3 million in Q3 2024.
Net interest margin improved to 4.34% in Q3 2025, up 22 basis points year-over-year and 4 basis points sequentially.
Noninterest expense for Q3 2025 was $42.9 million, nearly flat year-over-year and up 0.9% sequentially.
Efficiency ratio improved to 65.09% in Q3 2025 from 71.81% in Q3 2024 and 67.26% in Q2 2025.
Allowance for credit losses for loans HFI was $30.2 million (1.17% of loans HFI) at September 30, 2025.
Outlook and guidance
Management expects continued strong performance and momentum into year-end 2025 and into 2026.
Management expects the annual effective tax rate to approximate 24% for 2025.
Capital expenditures are projected at $10.0 million over the next 12 months, funded with existing resources.
Noninterest income growth ex-subsidiary sale?
What drove the Q3 credit quality deterioration?
What caused the loan portfolio decline?
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Next Capital City Bank Group earnings date
Q4 202523 Jan, 2026
Next Capital City Bank Group earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Capital City Bank Group, Inc. is a financial services company that provides a range of banking products and services to individual and commercial clients. The company's offerings include personal and business banking solutions, such as checking and savings accounts, loans, credit cards, and treasury management services. Additionally, CCBG offers wealth management services, including trust and investment management, financial planning, and retirement services. The company primarily operates through its network of bank branches across several states in the southeastern United States, serving a diverse client base. It is headquartered in Tallahassee, Florida, and its shares are listed on the NASDAQ.
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