| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 65.89 | 4.3% | 10.3% |
| Total Income | 65.89 | 4.3% | 10.3% |
| Expenditure | 44.80 | 3.8% | 1.5% |
| PBT | 21.09 | 5.2% | 35.2% |
| Net Profit | 15.95 | 6.0% | 21.6% |
| OPM | 32.01% | 0.30pp | 5.90pp |
| NPM | 24.21% | 0.40pp | 2.24pp |
| EPS | 0.93 | 5.7% | 20.8% |
Capital City Bank Group Reports Q3 2025 Results
04 May 2026 · 4 May, 8:59 am
Summary
Capital City Bank Group, Inc. reported net income attributable to common shareowners of $16.0 million, or $0.93 per diluted share, for the third quarter of 2025. Tax-equivalent net interest income totaled $43.6 million, and the net interest margin increased to 4.34%. Noninterest income increased by 11.6%, driven by gains from the sale of an insurance subsidiary and higher mortgage banking revenues. The tangible book value per diluted share increased by 4.0%.
Key Highlights
- 1
Capital City Bank Group reported net income attributable to common shareowners of $16.0 million for the third quarter of 2025.
- 2
Diluted net income per share was $0.93 for Q3 2025, compared to $0.88 for the second quarter of 2025.
- 3
Tax-equivalent net interest income totaled $43.6 million in the third quarter of 2025.
- 4
Net interest margin increased four-basis points to 4.34% for the third quarter of 2025.
- 5
Noninterest income increased by $2.3 million, or 11.6%, due to a $1.2 million increase in other income for Q3 2025.
- 6
Tangible book value per diluted share increased by $1.01, or 4.0%, during the third quarter of 2025.
Management Comments
William G. Smith
Jr.
We are pleased to share another strong report for the third quarter of 2025, highlighted by an above-peer ROA of 1.47% and ROE of 11.67%. Revenue growth driven by continued net interest margin expansion and higher noninterest income drove the improvement and resulted in a 4% increase in tangible book value per share. We are in a position of strength and look forward to finishing the year strong and continued momentum in 2026.
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