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Capital City Bank Group (CCBG) investor relations material
Capital City Bank Group Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income attributable to common shareowners was $15.0 million ($0.88 per diluted share) for Q2 2025, down from $16.9 million ($0.99) in Q1 2025, but up from $14.2 million ($0.83) in Q2 2024.
For the first six months of 2025, net income was $31.9 million ($1.87 per diluted share), up from $26.7 million ($1.57) in the same period of 2024.
Sustained revenue growth and credit strength highlighted the quarter, with a 3.9% increase in net interest income and 8 basis point expansion in net interest margin sequentially.
Tangible book value per share rose 3.2% sequentially, and capital position further strengthened.
Net interest income and noninterest income both increased year-over-year, while noninterest expense also rose, mainly due to higher compensation costs.
Financial highlights
Tax-equivalent net interest income for Q2 2025 was $43.2 million, up from $41.6 million in Q1 2025 and $39.3 million in Q2 2024.
Net interest margin for Q2 2025 was 4.30%, up 8 bps from Q1 2025 and 28 bps from Q2 2024.
Noninterest income for Q2 2025 was $20.0 million, a 0.5% increase sequentially and 2.1% year-over-year.
Noninterest expense for Q2 2025 was $42.5 million, up 9.9% from Q1 2025 and 5.2% from Q2 2024, mainly due to compensation and lower gains from asset sales.
Efficiency ratio for Q2 2025 was 67.26%, compared to 62.93% in Q1 2025 and 68.61% in Q2 2024.
Outlook and guidance
Management expects the annual effective tax rate to approximate 24% for 2025, absent discrete items or new tax credit investments.
Capital expenditures are expected to be approximately $10 million over the next 12 months, funded with existing resources.
Focus remains on executing strategies for consistent, profitable growth and maintaining a strong balance sheet.
Why did wealth management fees decrease?
Explain the increase in classified loans.
What drove investment securities income increase?
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Next Capital City Bank Group earnings date
Q3 202521 Oct, 2025
Next Capital City Bank Group earnings date
Q3 202521 Oct, 2025
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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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