CAPITAL CITY BANK GROUP INC — Form 8-K
Filed July 21, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 28/100
What the filing says
Capital City Bank Group reported Q2 2026 net income of $16.3M ($0.95/diluted share) vs. Q1 2026's $15.8M ($0.92/share) and Q2 2025's $15.0M ($0.88/share). Net interest margin expanded 11 basis points to 4.35%, driven by higher investment securities yields and lower deposit costs. Loan balances declined $32.4M average (1.3%) and deposits fell $12.2M average (0.3%). Nonperforming assets increased to $13.4M (0.30% of total assets); classified loans rose $15.3M due to downgrades in four commercial real estate relationships ($9.8M private schools, $2.0M hotel, $5.0M funeral home). Capital ratios remain well-capitalized at 22.35% (total risk-based capital).
Why this rating
Modest earnings growth (3% QoQ) and margin expansion positive; loan/deposit declines, rising NPAs, and classified loan downgrades concerning. At $539.6M market cap, $16.3M quarterly net income (~3% of market value) is routine. Event reflects ordinary quarterly operations with normal competitive/seasonal pressures.
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