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CAPITAL CITY BANK GROUP INC
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Deposit Account brought in 30% of the revenue CAPITAL CITY BANK GROUP INC broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Deposit Account | $21.3M | $21.3M | $22.1M |
| Investment Advisory, Management and Administrative Service | $16.3M | $19.1M | $20.7M |
| Mortgage Banking | $10.4M | $14.3M | $17.0M |
| Credit and Debit Card | $14.9M | $14.7M | $14.7M |
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including Fees | $161.2M | $164.9M | $152.2M |
| Taxable | $27.4M | $17.1M | $18.7M |
| Tax Exempt | $43.0K | $23.0K | $40.0K |
| Federal Funds Sold and Interest Bearing Deposits | $15.8M | $12.6M | $10.1M |
| Total Interest Income | $204.4M | $194.7M | $181.1M |
| Deposits | $29.6M | $32.2M | $17.6M |
| Short-Term Borrowings | $1.2M | $1.1M | $2.1M |
| Subordinated Notes Payable | $1.9M | $2.4M | $2.4M |
| Other Long-Term Borrowings | $35.0K | $28.0K | $20.0K |
| Total Interest Expense | $32.7M | $35.7M | $22.1M |
| NET INTEREST INCOME | $171.6M | $158.9M | $159.0M |
| Provision for Credit Losses | $5.3M | $4.0M | $9.7M |
| Net Interest Income After Provision for Credit Losses | $166.4M | $154.9M | $149.3M |
| Other | $8.0M | $6.5M | $8.6M |
| Total Noninterest Income | $82.4M | $76.0M | $71.6M |
| Compensation | $107.2M | $100.7M | $93.8M |
| Occupancy, Net | $28.0M | $28.0M | $27.7M |
| Other | $31.9M | $36.6M | $35.6M |
| Total Noninterest Expense | $167.0M | $165.3M | $157.0M |
| INCOME BEFORE INCOME TAXES | $81.7M | $65.6M | $63.9M |
| Income Tax Expense | $20.2M | $13.9M | $13.0M |
| NET INCOME | $61.6M | $51.6M | $50.8M |
| Loss Attributable to Noncontrolling Interests | $0 | $1.3M | $1.4M |
| NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS | $61.6M | $52.9M | $52.3M |
| BASIC NET INCOME PER SHARE (in dollars per share) | $3.61 | $3.12 | $3.08 |
| DILUTED NET INCOME PER SHARE (in dollars per share) | $3.60 | $3.12 | $3.07 |
| Average Basic Common Shares Outstanding (in shares) | 17.1M shares | 16.9M shares | 17.0M shares |
| Average Diluted Common Shares Outstanding (in shares) | 17.1M shares | 17.0M shares | 17.0M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and Due From Banks | $62.2M | $70.5M | |
| Federal Funds Sold and Interest Bearing Deposits | $467.8M | $321.3M | |
| Total Cash and Cash Equivalents | $530.0M | $391.9M | |
| Investment Securities, Available for Sale, at fair value (amortized cost of $656,546 and $429,033) | $643.9M | $403.3M | |
| Investment Securities, Held to Maturity (fair value of $369,320 and $544,460) | $377.4M | $567.2M | |
| Equity Securities | $2.1M | $2.4M | |
| Total Investment Securities | $1.0B | $972.9M | |
| Loans Held For Sale, at fair value | $21.7M | $28.7M | |
| Loans Held for Investment | $2.5B | $2.7B | |
| Allowance for Credit Losses | -$31.0M | -$29.3M | -$29.9M |
| Loans Held for Investment, Net | $2.5B | $2.6B | |
| Premises and Equipment, Net | $79.5M | $82.0M | |
| Goodwill and Other Intangibles | $89.1M | $92.8M | |
| Other Real Estate Owned | $1.9M | $367.0K | |
| Other Assets | $125.1M | $134.1M | |
| Total Assets | $4.4B | $4.3B | |
| Noninterest Bearing Deposits | $1.3B | $1.3B | |
| Interest Bearing Deposits | $2.4B | $2.4B | |
| Total Deposits | $3.7B | $3.7B | |
| Short-Term Borrowings | $50.1M | $28.3M | |
| Subordinated Notes Payable | $42.6M | $52.9M | |
| Other Long-Term Borrowings | $680.0K | $794.0K | |
| Other Liabilities | $77.2M | $75.7M | |
| Total Liabilities | $3.8B | $3.8B | |
| 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 | $171.0K | $170.0K | |
| Additional Paid-In Capital | $41.6M | $37.7M | |
| Retained Earnings | $508.4M | $463.9M | |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $2.6M | -$6.5M | |
| Total Shareowners' Equity | $552.9M | $495.3M | $440.6M |
| Total Liabilities and Shareowners' Equity | $4.4B | $4.3B | |
| Investment securities, available for sale, amortized cost | $656.5M | $429.0M | |
| Investment securities, held to maturity, fair value | $369.3M | $544.5M | |
| Preferred Stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Preferred Stock, authorized | 3.0M shares | 3.0M shares | |
| Preferred Stock, issued | 0 shares | 0 shares | |
| Preferred Stock, outstanding | 0 shares | 0 shares | |
| Common Stock, par value (in dollars per share) | $0.01 | $0.01 | |
| Common Stock, authorized | 90.0M shares | 90.0M shares | |
| Common Stock, issued | 17.1M shares | 17.0M shares | |
| Common Stock, outstanding | 17.1M shares | 17.0M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net Income Attributable to Common Shareowners | $61.6M | $52.9M | $52.3M |
| Provision for Credit Losses | $5.3M | $4.0M | $9.7M |
| Depreciation | $7.4M | $7.7M | $7.9M |
| Amortization of Premiums, Discounts, and Fees, net | $4.3M | $4.2M | $4.2M |
| Amortization of Intangible Assets | $107.0K | $160.0K | $160.0K |
| Gain on Securities Transactions | $0 | $0 | $3.0K |
| Gain on Sale of Subsidiary | -$773.0K | $0 | $0 |
| Pension Settlement Gain | -$1.6M | $0 | -$291.0K |
| Originations of Loans Held for Sale | -$441.0M | -$485.9M | -$406.8M |
| Proceeds From Sales of Loans Held for Sale | $461.9M | $494.8M | $404.3M |
| Mortgage Banking Revenues | -$17.0M | -$14.3M | -$10.4M |
| Net Additions (Deletions) for Capitalized Mortgage Servicing Rights | $9.0K | -$102.0K | $419.0K |
| Stock Compensation | $2.3M | $1.8M | $1.2M |
| Net Tax Benefit from Stock Compensation | -$154.0K | -$5.0K | -$48.0K |
| Deferred Income Taxes | $1.6M | -$1.0M | -$483.0K |
| Net Change in Operating Leases | $31.0K | $213.0K | $79.0K |
| Net Gain on Sales and Write-Downs of Other Real Estate Owned | -$4.5M | -$979.0K | -$2.1M |
| Net Decrease (Increase) in Other Assets | $7.5M | -$12.0M | -$1.0M |
| Net Increase (Decrease) in Other Liabilities | $594.0K | $12.2M | -$4.5M |
| Net Cash Provided By Operating Activities | $87.6M | $63.6M | $54.8M |
| Purchases | -$94.1M | -$64.0M | -$1.5M |
| Payments, Maturities, and Calls | $283.3M | $121.6M | $36.6M |
| Purchases | -$307.4M | -$126.8M | -$8.4M |
| Proceeds from the Sale of Securities | $0 | $0 | $30.4M |
| Payments, Maturities, and Calls | $79.0M | $63.8M | $62.9M |
| Purchases | -$120.0K | -$9.2M | -$13.6M |
| Net Decrease in Equity Securities | $1.3M | $10.2M | $10.1M |
| Purchases of Loans Held for Investment | -$1.2M | -$848.0K | -$2.5M |
| Net Decrease (Increase) in Loans Held for Investment | $34.7M | $39.3M | -$226.9M |
| Proceeds from Sales of Loans | $66.9M | $41.3M | $47.3M |
| Net Cash Received for Divestitures | $2.4M | $0 | $0 |
| Proceeds From Sales of Other Real Estate Owned | $7.3M | $1.6M | $4.0M |
| Purchases of Premises and Equipment, net | -$7.6M | -$8.7M | -$7.0M |
| Net Cash Provided By (Used In) Investing Activities | $64.4M | $68.4M | -$68.5M |
| Net Decrease in Deposits | -$9.7M | -$29.8M | -$237.5M |
| Net (Decrease) Increase in Short-Term Borrowings | $21.8M | -$7.2M | -$21.5M |
| Principal Payments of Subordinated Notes | -$10.3M | $0 | $0 |
| Repayment of Other Long-Term Borrowings | $0 | -$116.0K | -$199.0K |
| Net Increase in Other Long-Term Borrowings | $0 | $794.0K | $0 |
| Dividends Paid | -$17.1M | -$14.9M | -$12.9M |
| Payments to Repurchase Common Stock | $0 | -$2.3M | -$3.7M |
| Issuance of Common Stock Under Compensation Plans | $1.3M | $1.5M | $937.0K |
| Net Cash (Used in) Provided By Financing Activities | -$13.9M | -$52.1M | -$274.8M |
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | $138.1M | $79.8M | -$288.6M |
| Interest Paid | $32.3M | $35.0M | $21.8M |
| Income Taxes Paid | $12.7M | $3.9M | $8.3M |
| Florida | $1.0M | $2.2M | $735.0K |
| All Other | $247.0K | $46.0K | $33.0K |
| Loans Transferred from Held for Investment to Held for Sale, net | $59.6M | $36.4M | $35.7M |
| Loans and Premises Transferred to Other Real Estate Owned | $4.4M | $979.0K | $1.5M |
| Transfer of Temporary Equity to Other Liabilities | $0 | $6.5M | $0 |
Recent filings
- Oct 8, 20264
- Oct 8, 20264
- Oct 8, 20264
- Oct 8, 20264
- Oct 8, 20264
- Oct 8, 20264
- Oct 8, 20264
- Oct 8, 20264
- Aug 28, 20264
- Jul 29, 202610-Q
- Jul 27, 20268-K
- Jul 21, 20268-K
- Jul 8, 20264
- Jul 8, 20264
- Jul 8, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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