)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Capital City Bank Group
Capital City Bank Group (CCBG) investor relations material
Capital City Bank Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary20 Oct, 2026
Executive summary
Q3 2026 net income was $16.9M, or $0.99 diluted EPS, versus $16.0M and $0.93 in Q3 2025; Q2 net income was $16.3M and diluted EPS was $0.95.
9M net income rose to $49.0M from $47.9M; diluted EPS was $2.86 versus $2.80.
Results reflected margin expansion and improved credit quality; lower mortgage banking and wealth management income restrained noninterest revenue.
Financial highlights
Q3 tax-equivalent NII was $45.1M, versus $44.2M in Q2 and $43.6M in Q3 2025; one additional calendar day contributed to the sequential increase.
Q3 GAAP net interest income was $45.0M; total interest income was $52.5M, interest expense $7.5M, and income before taxes $22.2M.
Q3 noninterest income was $19.4M, down 13.2% YoY and 5.9% QoQ; noninterest expense was $42.3M, down 1.4% YoY and 0.8% QoQ.
9M noninterest revenue was $59.9M, down 3.8% YoY; noninterest expense was $126.3M, up 1.7%.
Outlook and guidance
Absent discrete items or new tax-credit investments, the expected FY 2026 effective tax rate is 23%–24%.
Planned capital expenditures are $10.0M over the next 12 months, primarily for a new office, remodeling, equipment, furniture, and technology; funding is expected from existing resources.
Investment cash flows may be reinvested or used to support loan growth, depending on liquidity and market conditions; loan demand remained selective.
Management cited momentum from margin expansion and credit improvement and said it remained positioned to finish 2026 strong.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Capital City Bank Group
- Q2 2026 net income rose to $16.3M, with higher margins, strong capital, and book value growth.CCBG
Q2 2026 - Earnings up 15% sequentially to $15.8M, with strong deposits and robust capital ratios.CCBGQ1 2026
- Proxy covers director elections, executive pay, auditor ratification, and ESG priorities.CCBGProxy Filing
- Director elections, executive pay, and auditor ratification headline the 2026 annual meeting.CCBGProxy Filing
- Net income up 16%, tangible book value per share up 14.3%, and strong capital ratios.CCBGQ4 2025
- Q3 2025 net income rose to $16.0M, with strong margins, capital, and growth in key markets.CCBGQ3 2025
- Q2 2024 net income was $14.2M, with higher margin, strong capital, and stable credit quality.CCBGQ2 2024
- Record earnings and double-digit growth in tangible book value and dividends per share in 2024.CCBGQ4 2024
- Q1 2025 net income rose 34% year-over-year, with strong credit and capital metrics.CCBGQ1 2025
Next Capital City Bank Group earnings date
Q4 202626 Jan, 2027
Capital City Bank Group
Next Capital City Bank Group earnings date
Q4 202626 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.