CAPITAL CITY BANK GROUP INC Q3 FY26 Results

Summary

Capital City Bank Group, Inc. reported solid third quarter 2026 results, with net income of $16.9 million, or $0.99 per diluted share. The company saw an increase in tax-equivalent net interest income to $45.1 million and an expansion in net interest margin to 4.42%. While noninterest income saw a slight decrease, noninterest expense was also reduced, contributing to overall performance. Management highlighted strong earnings and solid momentum, with continued net interest margin expansion and improved credit quality as key drivers.

Key Highlights

1. 1

   Capital City Bank Group reported net income attributable to common shareowners of $16.9 million, or $0.99 per diluted share, for the third quarter of 2026.

2. 2

   Tax-equivalent net interest income totaled $45.1 million for the third quarter of 2026, an increase from $44.2 million in the prior quarter and $43.6 million in the third quarter of 2025.

3. 3

   The net interest margin for the third quarter of 2026 was 4.42%, an increase of seven basis points over the second quarter of 2026 and eight basis points over the third quarter of 2025.

4. 4

   Noninterest income decreased $1.2 million, or 5.9%, from the second quarter of 2026, driven by lower mortgage banking revenues and deposit fees.

5. 5

   Noninterest expense decreased $0.3 million, or 0.8%, from the second quarter of 2026, primarily due to lower compensation expense.

6. 6

   Total nonperforming assets decreased to $9.7 million at September 30, 2026, a $3.7 million decrease from the prior quarter, indicating improved credit quality.

7. 7

   Shareowners' equity was $573.9 million at September 30, 2026, an increase from $570.1 million at June 30, 2026.