CAPITAL CITY BANK GROUP INC

Listed Company

CCBGCIK 0000726601NasdaqAcceleratedState Commercial BanksFloridaFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$61.56M

Total Assets

$4.39B

Equity

$552.85M

Shares Out

17.10M

Op. Cash Flow

$87.61M

Business

Capital City Bank Group, Inc. is a financial holding company that provides commercial and retail banking and wealth management services through its subsidiaries. It offers traditional deposit and lending products, mortgage banking, asset management and trust services, merchant and bankcard processing, securities brokerage, financial advisory and insurance solutions. The company reports one operating segment with two principal services: Banking Services (Capital City Bank) and Wealth Management Services (Capital City Trust Company, Capital City Investments, Capital City Strategic Wealth and mortgage operations). It serves customers primarily through its branch and ATM network, mortgage offices, digital channels and strategic marketing alliances across Florida, Georgia and Alabama and the broader Southeast.

Summary from filing dated 2025-03-11

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including Fees	161	165	152	106	97
Taxable	27	17	19	16	9
Tax Exempt	43,000	23,000	40,000	38,000	68,000
Federal Funds Sold and Interest Bearing Deposits	16	13	10	10	998,000
Total Interest Income	204	195	181	132	106
Deposits	30	32	18	3	839,000
Short-Term Borrowings	1	1	2	2	1
Subordinated Notes Payable	2	2	2	2	1
Other Long-Term Borrowings	35,000	28,000	20,000	31,000	63,000
Total Interest Expense	33	36	22	7	—
NET INTEREST INCOME	172	159	159	125	103
Provision for Credit Losses	5	4	10	7	−2
Net Interest Income After Provision for Credit Losses	166	155	149	118	104
Other	8	6	9	8	7
Total Noninterest Income	82	76	72	75	108
Compensation	107	101	94	92	101
Occupancy, Net	28	28	28	25	24
Other	32	37	36	36	37
Total Noninterest Expense	167	165	157	152	163
INCOME BEFORE INCOME TAXES	82	66	64	41	49
Income Tax Expense	20	14	13	8	10
NET INCOME	62	52	51	33	40
Loss Attributable to Noncontrolling Interests	0	1	1	135,000	−6
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	62	53	52	33	33
BASIC NET INCOME PER SHARE (in dollars per share)	3.61	3.12	3.08	1.97	1.98
DILUTED NET INCOME PER SHARE (in dollars per share)	3.6	3.12	3.07	1.97	1.98
Average Basic Common Shares Outstanding (in shares)	17	17	17	17	17
Average Diluted Common Shares Outstanding (in shares)	17	17	17	17	17

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and Due From Banks	62	71	83	72	65
Federal Funds Sold and Interest Bearing Deposits	468	321	229	529	970
Total Cash and Cash Equivalents	530	392	312	—	1,035
Investment Securities, Available for Sale, at fair value (amortized cost of $656,546 and $429,033)	644	403	338	413	655
Investment Securities, Held to Maturity (fair value of $369,320 and $544,460)	377	567	625	661	—
Equity Securities	2	2	4	10,000	900,000
Total Investment Securities	1,023	973	966	1,074	—
Loans Held For Sale, at fair value	22	29	28	27	53
Loans Held for Investment	2,546	2,652	2,734	—	—
Allowance for Credit Losses	−31	−29	−30	−25	−22
Loans Held for Investment, Net	2,515	2,622	2,704	—	—
Premises and Equipment, Net	79	82	81	82	83
Goodwill and Other Intangibles	89	93	93	93	93
Other Real Estate Owned	2	367,000	1,000	431,000	17,000
Other Assets	125	134	120	119	94
Total Assets	4,386	4,325	4,304	4,519	4,264
Noninterest Bearing Deposits	1,252	1,306	1,378	1,654	1,669
Interest Bearing Deposits	2,410	2,366	2,324	2,286	2,044
Total Deposits	3,662	3,672	3,702	3,939	3,713
Short-Term Borrowings	50	28	35	57	35
Subordinated Notes Payable	43	53	53	53	53
Other Long-Term Borrowings	680,000	794,000	315,000	513,000	884,000
Other Liabilities	77	76	66	74	68
Total Liabilities	3,833	3,830	3,856	4,123	3,869
Preferred Stock, $0.01 par value; 3,000,000 shares authorized; no shares issued and outstanding	—	—	—	—	—
Common Stock, $0.01 par value; 90,000,000 shares authorized;17,084,386 and 16,974,513 shares issued and outstanding at December 31, 2025 and 2024, respectively	171,000	170,000	170,000	170,000	169,000
Additional Paid-In Capital	42	38	36	37	34
Retained Earnings	508	464	426	387	365
Accumulated Other Comprehensive Income (Loss), Net of Tax	3	−6	−22	−37	−16
Total Shareowners' Equity	553	495	441	387	383
Total Liabilities and Shareowners' Equity	4,386	4,325	4,304	4,519	4,264

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation	7	8	8	8	8
Amortization of Premiums, Discounts, and Fees, net	4	4	4	8	14
Amortization of Intangible Assets	100,000	200,000	160,000	160,000	107,000
Gain on Securities Transactions	0	0	3,000	0	0
Gain on Sale of Subsidiary	−773,000	0	0	—	—
Pension Settlement Gain	−2	0	−291,000	2	3
Originations of Loans Held for Sale	−441	−486	−407	−390	−1,263
Proceeds From Sales of Loans Held for Sale	462	495	404	438	1,377
Mortgage Banking Revenues	−17	−14	−10	−12	−52
Net Additions (Deletions) for Capitalized Mortgage Servicing Rights	9,000	−102,000	419,000	726,000	72,000
Net Tax Benefit from Stock Compensation	−154,000	−5,000	−48,000	−27,000	−4,000
Deferred Income Taxes	2	−1	−483,000	−4	−4
Net Change in Operating Leases	31,000	213,000	79,000	−108,000	−165,000
Net Gain on Sales and Write-Downs of Other Real Estate Owned	−4	−979,000	−2	−422,000	−2
Net Decrease (Increase) in Other Assets	7	−12	−1	−9	11
Net Increase (Decrease) in Other Liabilities	594,000	12	−4	9	−8
Net Cash Provided By Operating Activities	88	64	55	93	116
Purchases	−94	−64	−1	−220	−252
Payments, Maturities, and Calls	283	122	37	55	79
Purchases	−307	−127	−8	−52	−524
Proceeds from the Sale of Securities	0	0	30	3	495,000
Payments, Maturities, and Calls	79	64	63	82	178
Purchases	−120,000	−9	−14	0	0
Net Decrease in Equity Securities	1	10	10	0	0
Purchases of Loans Held for Investment	−1	−848,000	−2	−17	−20
Net Decrease (Increase) in Loans Held for Investment	35	39	−227	−721	—
Proceeds from Sales of Loans	67	41	47	104	—
Net Cash Received for Divestitures	2	0	0	—	—
Proceeds From Sales of Other Real Estate Owned	7	2	4	2	5
Purchases of Premises and Equipment, net	−8	−9	−7	−6	−5
Net Cash Provided By (Used In) Investing Activities	64	68	−69	−766	−448
Net Decrease in Deposits	−10	−30	−237	226	495
Net (Decrease) Increase in Short-Term Borrowings	22	−7	−21	22	−46
Principal Payments of Subordinated Notes	−10	0	0	—	—
Repayment of Other Long-Term Borrowings	0	−116,000	−199,000	—	—
Net Increase in Other Long-Term Borrowings	0	794,000	0	0	—
Dividends Paid	−17	−15	−13	−11	−10
Payments to Repurchase Common Stock	0	−2	−4	0	0
Issuance of Common Stock Under Compensation Plans	1	2	937,000	1	1
Net Cash (Used in) Provided By Financing Activities	−14	−52	−275	238	439
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	138	80	−289	−435	107
Interest Paid	32	35	22	7	4
Income Taxes Paid	13	4	8	7	16
Florida	1	2	735,000	—	—
All Other	247,000	46,000	33,000	—	—
Loans Transferred from Held for Investment to Held for Sale, net	60	36	36	109	—
Loans and Premises Transferred to Other Real Estate Owned	4	979,000	2	2	2
Transfer of Temporary Equity to Other Liabilities	0	6	0	0	—

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