Logotype for Capital City Bank Group Inc

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.
Logotype for Capital City Bank Group Inc
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.

  • Return on average assets (ROA) was 1.47% and return on average equity (ROE) was 11.67% for Q3 2025, both above peer averages.

Financial highlights

  • Tax-equivalent net interest income rose to $43.6 million in Q3 2025 from $43.2 million in Q2 2025 and $40.3 million in Q3 2024.

  • Net interest margin increased to 4.34% in Q3 2025, up 4 basis points sequentially and 22 basis points year-over-year.

  • Noninterest income grew 11.6% sequentially to $22.3 million, driven by a $0.7 million gain from the sale of the insurance subsidiary, higher mortgage banking revenues, and deposit fees.

  • Noninterest expense increased 0.9% sequentially to $42.9 million, mainly due to higher miscellaneous expenses.

  • Efficiency ratio improved to 65.09% in Q3 2025 from 67.26% in Q2 2025 and 71.81% in Q3 2024.

Outlook and guidance

  • Management expects continued strong performance and momentum into year-end 2025 and into 2026.

  • Annual effective tax rate is expected to approximate 24% for 2025.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Capital City Bank Group earnings date

Logotype for Capital City Bank Group Inc
Q4 202523 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Capital City Bank Group earnings date

Logotype for Capital City Bank Group Inc
Q4 202523 Jan, 2026

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.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

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.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
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.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
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.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
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.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • 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.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage