)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Capital City Bank Group
Capital City Bank Group (CCBG) investor relations material
Capital City Bank Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Net income for Q4 2025 was $13.7 million ($0.80 per diluted share), down from $16.0 million in Q3 2025 but up from $13.1 million in Q4 2024; full-year 2025 net income was $61.6 million ($3.60 per diluted share), up from $52.9 million in 2024.
2025 marked a record year for earnings, with strong shareholder returns, a 14.3% increase in tangible book value per share, and a 13.6% dividend increase.
Financial highlights
Tax-equivalent net interest income for Q4 2025 was $43.4 million, nearly flat sequentially, and $171.8 million for 2025, up from $159.2 million in 2024.
Net interest margin for Q4 2025 was 4.26%, down 8 bps from Q3 2025 but up 9 bps year-over-year; full-year 2025 margin was 4.28%, up 20 bps from 2024.
Noninterest income for Q4 2025 was $20.1 million, down 10% sequentially due to lower other income, mortgage revenues, and wealth management fees; full-year noninterest income rose 8.4% to $82.4 million.
Noninterest expense for Q4 2025 was $42.9 million, flat sequentially; full-year expense rose 1.0% to $167.0 million, mainly from higher compensation costs.
Return on average assets for Q4 2025 was 1.25%; return on average equity was 9.78%.
Outlook and guidance
Management expects the annual effective tax rate to approximate 24% for 2026, barring discrete items or new tax credit investments.
Leadership anticipates continued strong performance in 2026, building on core deposit growth, disciplined credit management, and healthy liquidity.
Q4 NIM decline: earning asset mix impact?
What qualitative factors increased ACL?
Q4 noninterest expense: one-time item impact?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Capital City Bank Group earnings date
Q1 202623 Apr, 2026
Capital City Bank Group
Next Capital City Bank Group earnings date
Q1 202623 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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.
)
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
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.
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@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