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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.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.
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