Capital City Bank Group (CCBG) Q3 2026 earnings summary

Executive summary

• Q3 2026 net income was $16.9 million, or $0.99 per diluted share, versus $16.3 million and $0.95 in Q2 2026 and $16.0 million and $0.93 in Q3 2025.

• Results reflected expanding net interest margin and improved credit quality; quarter-end loans and deposits declined, with deposit movement driven by seasonal public-fund balances.

Financial highlights

• Tax-equivalent net interest income was $45.1 million in Q3, up from $44.2 million in Q2 and $43.6 million in Q3 2025; one extra calendar day contributed to the sequential increase.

• Net interest income after provision was $45.1 million; operating profit was $22.2 million, and net income was $16.9 million in Q3 2026.

• Nine-month net income was $49.0 million, or $2.86 per diluted share, versus $47.9 million and $2.80 in 9M 2025.

• Q3 noninterest income was $19.4 million, down 5.9% QoQ; noninterest expense was $42.3 million, down 0.8% QoQ.

Outlook and guidance

• Absent discrete items or new tax-credit investments, the expected 2026 annual effective tax rate is 23%–24%.

• Management described momentum from margin expansion and credit improvement and said it remained positioned to finish 2026 strong.