Form 8-K

8-K — CAPITAL CITY BANK GROUP INC

Accession: 0000726601-26-000020

Filed: 2026-07-21

Period: 2026-07-21

CIK: 0000726601

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — ccbg-20260721.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (ex991.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K — FORM 8-K

8-K (Primary)

Filename: ccbg-20260721.htm · Sequence: 1

ccbg-20260721

FALSE

0000726601

2026-07-21

UNITED STATES

SECURITIES

AND EXCHANGE

COMMISSION

WASHINGTON,

DC 20549

FORM

8-K

CURRENT

REPORT

Pursuant

to Section 13

or 15(d)

of the

Securities

Exchange

Act of 1934

Date of

Report (Date of

earliest event

reported):

July 21, 2026

CAPITAL CITY BANK GROUP, INC.

(Exact

name

of registrant

as specified

in its charter)

Florida

0-13358

59-2273542

(State

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification

No.)

217 North Monroe Street,

Tallahassee

Florida

32301

(Address of

principal

executive

offices)

(Zip Code)

Registrant's

telephone

number,

including area

code:

(

850

)

402-7821

(Former Name

or Former Address,

if Changed

Since Last Report)

Check

the appropriate

box below if the

Form 8-K filing is intended

to simultaneously

satisfy

the filing obligation of

the registrant

under any

of the

following provisions (see General

Instruction

A.2. below):

☐

Written

communications

pursuant

to Rule 425

under the

Securities Act (17 CFR 230.425)

☐

Soliciting material

pursuant

to Rule 14a-12

under the

Exchange

Act (17 CFR 240.14a

-12)

☐

Pre-commencement

communications

pursuant

to Rule 14d-2(b)

under the

Exchange

Act (17 CFR 240.14d

-2(b))

☐

Pre-commencement

communications

pursuant

to Rule 13e-4(c)

under the

Exchange

Act (17 CFR 240.13e

-4(c))

Securities

registered

pursuant

to Section

12(b) of

the Act:

Title

of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, Par value $0.01

CCBG

Nasdaq Stock Market

, LLC

Indicate

by check

mark

whether the

registrant is

emerging growth company

defined

in Rule 405 of

the Securities Act of

1933

(§230.405

of this chapter)

or Rule 12b-2

of the

Securities Exchange

Act of 1934

(§240.12b

-2 of this chapter).

Emerging

growth company

☐

emerging growth company,

indicate

by check

mark

if the registrant

has

elected not

to use the

extended

transition

period for

complying with

any

new or revised financial

accounting

standards

pursuant

to Section

13(a)

of The

Exchange

Act.

☐

CAPITAL

CITY BANK

GROUP,

INC.

FORM

CURRENT

REPORT

Item 2.02.

Results of

Operations and

Financial

Condition.

On July 21,

2026,

Capital

City Bank

Group, Inc. (“CCBG”)

issued an

earnings press release

reporting

CCBG’s

financial

results for

the three

and

six month

periods

ended

June 30,

2026.

A copy of

the press release

is attached

as Exhibit

99.1 hereto

and

incorporated

herein by reference.

The information

furnished under

Item 2.02 of

this Current Report,

including

the Exhibits

attached

hereto, shall not be deemed

“filed”

for purposes

of Section

18 of

the Securities Exchange

Act of 1934,

nor shall it be deemed

incorporated

by reference

in any

filing under

the Securities

Act of 1933,

except

as shall be

expressly set forth

by specific reference

in such filing.

Item 9.01.

Financial

Statements

and Exhibits.

(d)

Exhibits

Item

No.

Description

of Exhibit

99.1

Press release, dated July 21, 2026

104

Cover Page

Interactive

Data

File

(embedded

within the Inline XBRL document)

Exhibit

99.1 referenced

herein, contains

“forward

-looking statements”

within the meaning,

and

protections,

of Section

27A

of the

Securities Act

of 1933,

as amended,

and

Section 21E

of the

Securities Exchange

Act of 1934,

as amended,

including,

without limitation,

statements

about

future

financial

and

operating

results, economic

and

seasonal

conditions

in CCBG’s

markets,

and

improvements

to reported

earnings that

may

or may

not be

realized, as well as statements

with respect to

CCBG’s

objectives,

strategic

plans, expectations

and

intentions

and

other statements

that

are not

historical facts.

Actual

results may

differ from

those set

forth

in the forward

-looking statements.

Forward-looking

statements

include statements

with respect to CCBG’s

beliefs, plans, objectives,

goals, expectations,

anticipations,

assumptions,

estimates

and

intentions

about

future

performance

and

involve known

and

unknown

risks,

uncertainties

and other

factors,

which may

be beyond

CCBG’s control,

and

which may

cause

the actual

results, performance

or achievements

of CCBG or its wholly-owned

banking

subsidiary,

Capital

City Bank,

to be materially

different

from

future

results, performance

or achievements

expressed

or implied by such

forward

-looking statements.

You

should not

expect

CCBG

to update

any

forward

-looking statements.

SIGNATURES

Pursuant

to the

requirements

of the

Securities Exchange

Act of 1934,

the Registrant

has

duly caused

this report to be

signed

on its behalf

by the

undersigned hereunto

duly authorized.

CAPITAL

CITY BANK

GROUP,

INC.

Date:

July 21, 2026

By:

/s/ Jeptha

E. Larkin

Jeptha

E. Larkin,

Executive

Vice President

and

Chief Financial

Officer

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: ex991.htm · Sequence: 2

ex991

Capital

City Bank Group,

Inc.

Reports

Second Quarter

2026

Results

TALLAHASSEE,

Fla. (July

21, 202

6) – Capital City Bank

Group, Inc. (NASDAQ:

CCBG) today

reported net income

attributable

common

shareowners

of $16.3

million, or $0.95 per diluted share,

for the

second

quarter

of 2026

compared

to $15.8

million, or

$0.92

per diluted share,

for the

first quarter

of 2026,

and

$15.0

million, or $0.88 per diluted share,

for the

second

quarter

of 2025.

Return

on Assets was

1.48% and

Return

on Equity

was 11.38%

for the

second

quarter

of 2026

compared

to 1.45%

and

11.30%,

respectively

for the

first quarter

of 2026,

and

1.38% and

11.44%,

respectively for

the second

quarter

of 2025.

QUARTER

HIGHLIGHTS

Quarter 202

versus 1

Quarter 2026)

Income Statement

●

Tax-equivalent net interest income totaled $44.2

million compared to $42.9 million for

the prior quarter and reflected one

additional calendar day in the second

quarter

Net interest margin increased 11 basis

points to 4.35% (earning asset yield

increased 5 basis points and cost

of funds

decreased 6 basis points to 75

basis points)

●

Credit loss provision increased $0.2 million -

net loan charge-offs of 14 basis

points (annualized) of average loans -

allowance coverage ratio increased one basis

point to 1.24% at June 30,

2026

●

Noninterest income increased $0.7 million, or

3.3%, driven by higher mortgage banking

revenues and bank card fees

●

Noninterest expense increased $1.3 million, or

3.1%, primarily due to a higher

other expense of $0.9 million and

occupancy

expense

of $0.3

million

Balance

Sheet

●

Loan balances

decreased

$32.4

million,

or 1.3% (average),

and decreased

$18.5

million,

or 0.7% (end

of period)

●

Stable

credit

quality

- total

nonperforming

assets of $13.4

million

(30 basis

points

of total

assets) at June

30, 2026,

a $0.4

million increase over the prior quarter

●

Deposit balances

decreased

$12.2

million,

or 0.3% (average),

and decreased

$30.6

million,

or 0.8% (end

of period)

due to

the seasonal decrease in our public

fund balances

●

Tangible

book

value

per diluted

(non-GAAP financial

measure) increased

$0.56, or

2.0%

“We’re

pleased

with another

strong quarter

of performance

and

the momentum

our team

continues

to build,” said

William G.

Smith,

Jr., Chairman

and

CEO. “As we

look to the

second

half

of the

year,

we’ll

remain

focused

on serving our clients’ financial

needs, managing

risk wisely and

executing on

the opportunities

ahead.

None of

this happens

without the

dedication

of our

associates

and

the strong communities

we’re privileged to serve.”

Discussion

of Operating

Results

Net Interest

Income/Net

Interest

Margin

Tax

-equivalent

net interest

income

for the

second

quarter

of 2026

totaled

$44.2

million, compared

to $42.9

million for the first

quarter

of 2026,

and

$43.2

million for the second

quarter

of 2025.

Compared

to the

first quarter

of 2026,

the increase

was

attributable

to higher investment

securities income and

lower deposit interest expense,

partially

offset

by lower loan interest

income

and

overnight funds

income

due to

lower average

balances.

The increase

in investment

securities income reflected

new investment

purchases

higher rates and

higher balances

as we deploy

additional

liquidity into the investment

security portfolio.

The increase

over the

second quarter

of 2025

was also

driven by the same

aforementioned

factors. One additional

calendar

day also

contributed

the increase

over the

first quarter

of 2026.

For the

first six months

of 2026,

tax

-equivalent

net interest

income

totaled

$87.1

million compared

to $84.8

million for the same

period of

2025,

primarily attributable

to higher investment

securities income and

lower deposit interest expense,

partially

offset

lower loan

interest income

and

overnight funds

income. New investment

purchases

higher yields and higher balances

drove the

increase in

investment

securities income. The

decrease

in deposit interest

expense

reflected lower

public funds

deposit balances

and

lower rates

across our

product

lines. Lower average

loan

balances

contributed

to the

decrease

in loan interest

income, while the

decrease

in overnight funds

income

reflected the

deployment

of more

liquidity into the investment

portfolio.

Our net

interest margin

for the

second quarter

of 2026

was 4.35%,

an increase

of 11 basis

points from

the first

quarter of 2026

and an

increase of

five basis points

over the

second

quarter

of 2025.

For the first six months

of 2026,

our net interest

margin increased

four basis

points to

4.30% compared

to the

same

period of

2025.

The increase

in net interest margin

over all prior periods was

largely attributable

to a

higher investment

security yield driven by

new purchases

higher rates and

lower deposit costs.

For the

second

quarter

of 2026,

our cost of

funds

was 75 basis

points, a

decrease

of six basis points

from

the first quarter

of 2026,

and

decrease of

seven basis

points from

the second

quarter

of 2025.

Our cost of deposits

(including noninterest bearing

accounts)

was 76

basis points,

81 basis

points, and

81 basis

points, respectively,

for the

same

periods.

Provision for Credit Losses

recorded a

provision expense

for credit losses

of $0.9

million for the

second

quarter

of 2026,

compared

to $0.7

million for the

first quarter

of 2026

and

$0.6 million for the

second

quarter

of 2025.

For the first six months

of 2026,

we recorded a

provision

expense

for credit losses

of $1.6

million compared

to $1.4

million for the first six months

of 2025.

Activity within the components

of the

provision (loans

held for investment

(“HFI”) and

unfunded

loan

commitments)

for each

reported

period is provided

in the

table

on page

10. We

discuss the various

factors

that

impacted

our provision expense

for Loans

HFI in further

detail below under

the heading

Allowance for Credit Losses

Noninterest Income and Noninterest Expense

Noninterest

income

for the

second

quarter

of 2026

totaled

$20.6

million, a $0.7 million, or 3.3%, increase

over the

first quarter

2026 and

a $0.6 million,

or 2.9%,

increase over

the second

quarter of 2025.

The increase

over the first quarter

of 2026

was primarily

attributable

to increases

in mortgage banking

revenues

of $0.4

million and bank

card

fees of

$0.2 million. The increase

in mortgage

banking

revenues

was primarily due

to higher production

volume

and

the increase

in bank

card

fees reflected

higher card

volume.

The increase

over the

second

quarter

of 2025

was driven by

increases in other

income

of $0.7

million, mortgage banking

revenues

of $0.5

million, and

deposit fees

of $0.3

million that

were partially offset

by a

decrease

in wealth management

fees of

$1.0

million.

The increase

in other

income

was primarily due

to a

higher level of other

fees/commissions,

bank

owned life insurance

income,

and

miscellaneous

income. The

increase in

mortgage

banking

revenues

was due

to a

higher gain on sale margin.

The decrease

in wealth

management

fees was

attributable

to lower retail brokerage

fees, which reflects a

decline in assets under

management.

For the

first six months

of 2026,

noninterest

income

totaled

$40.5

million, a $0.6 million, or 1.5%, increase

over the

same

period

2025,

primarily attributable

to increases

in other income

of $1.4

million, mortgage banking

revenues

of $0.9

million, and deposit

fees of

$0.9 million, that

were partially offset

by a

decrease

in wealth management

fees of

$2.7 million. The increase

in other

income

was primarily

attributable

to a

$0.5 million miscellaneous

recovery and

increases in other

fees/commissions

of $0.3

million,

miscellaneous

income

of $0.2

million, and

bank

owned life insurance

income

of $0.1

million. The increase in mortgage

banking

revenues

reflected a higher

gain

on sale margin.

Higher service

charge

fees and

commercial

account

analysis fees

drove the

increase

in deposit

fees. We

are currently

in the

process of reviewing

and updating

our deposit

product

offerings

against

peer and

industry

best practices

and we expect

modifications

will reduce

fee revenues

beginning

in the

third quarter

of 2026.

The decrease

wealth management

fees was

attributable

to the

aforementioned

decrease

in retail brokerage

assets

under management

and

lower

insurance

commissions.

Noninterest

expense

for the

second

quarter

of 2026

totaled

$42.6

million, a $1.3 million, or 3.1%, increase

over the

first quarter

2026 and

a $0.1 million,

or 0.2%,

increase over

the second

quarter of 2025.

The increase

over the first quarter

of 2026

was primarily

attributable

to increases

in other expense

of $0.9

million and occupancy

expense

of $0.

million. Increases

in other real estate

(ORE) expense

of $0.4

million, travel/entertainment

expense

of $0.2

million, professional fees

of $0.1

million, and miscellaneous

expenses

of $0.1

million drove the increase

in other

expense.

The increase

in occupancy

expense

was primarily attributable

higher FF&E

maintenance

agreement

expense.

The increase

over the

second

quarter

of 2025

reflected increases

in other expense

$0.5 million

and

occupancy

expense

of $0.2

million that

was partially

offset

by a

$0.6

million decrease in compensation

expense,

including

a $0.3

million decline in salary

expense

and

$0.3 million decrease

in associate

benefits.

For the

first six months

of 2026,

noninterest

expense

totaled

$84.0

million, a $2.8 million, or 3.4%, increase

over the

same

period of

2025

and

reflected increases

in other expense

of $3.4

million and occupancy

expense

of $0.6

million that

was partially

offset

by a

$1.2 million

decrease

in compensation

expense.

The increase

in other expense

was primarily due

to a

$4.2 million increase

in ORE

expense,

which reflected

a lower level

of gains from

the sale

of properties,

namely

a large gain

realized from

the sale

of our

operations

center building

in 2025. Higher

expense

for charitable

contributions

of $0.6

million was partially offsetting.

The

increase

in occupancy

expense

reflected higher expense

for FF&E maintenance

agreements

and

software

licenses. The decrease

compensation

expense

reflected lower salary

expense

of $0.9

million and associate

benefit

expense

of $0.3

million. Lower

commission

expense

drove the

decline in salary

expense

and

the decrease

in associate

benefit

expense

was attributable

to lower

stock based

compensation.

Income

Taxes

realized income

tax

expense

of $5.0

million (effective

rate of

23.4%) for

the second

quarter

of 2026,

compared

to $4.8

million

(effective

rate of

23.5%) for

the first quarter

of 2026

and

$5.0 million (effective

rate of

24.9%) for

the second

quarter

2025.

For

the first six months

of 2026,

we realized income

tax

expense

of $9.8

million (effective

rate of

23.4%) compared

to $10.1

million

(effective rate

of 24.1%) for

the same

period of

2025. The effective

rate for the

second quarter

of 2026

reflected a tax

benefit

to an

investment

in a solar tax

equity fund

during the quarter

and

the effective

rate for

the first quarter

of 2026

included a

discrete

item related

to stock

-based

compensation.

Absent discrete items

or new tax

credit investments,

we expect

our annual

effective

tax

rate to

approximate

23.5% for

2026.

Discussion of

Financial

Condition

Earning Assets

Average

earning assets

totaled

$4.069

billion for the second

quarter

of 2026,

a decrease

of $21.0

million, or 0.5% from the

first

quarter of

2026, and

an increase of

$32.9 million,

or 0.8%

over the

fourth quarter

of 2025.

Compared

to the first quarter of

2026,

the

change

in earning asset

mix reflected

a $42.6

million decrease in overnight

funds

and

a $32.4

million decrease in loans

held for

investment,

partially

offset

by a

$48.2

million increase in investment

securities and

a $5.8

million increase in loans

held for sale

(“HFS”).

Compared

to the fourth

quarter

of 2025,

the change

reflected a

$161.3

million increase in investment

securities and

a $6.2

million increase

in loans

HFS, partially offset

by a

$72.4

million decrease in overnight

funds

and

a $62.2

million decrease in

loans

held for investment.

Average

loans HFI

decreased

by $32.4

million, or 1.3% from the

first quarter

of 2026,

and

decreased

by $62.2

million, or 2.4%

from

the fourth

quarter

of 2025.

Compared

to the

first quarter

of 2026,

the decline was

primarily attributable

to decreases

residential

real estate

loans of

$14.4

million, commercial

real estate

loans of

$14.4

million, and commercial

loans of

$5.2 million,

partially

offset

by increases in

home equity

loans of

$1.9 million. Compared

to the

fourth

quarter

of 2025,

the decline was

primarily

attributable

to decreases

in residential real estate

loans of

$30.6

million, commercial

real estate

loans of

$24.5

million, commercial

loans of

$6.6 million, construction

loans of

$4.1 million, consumer

loans (primarily

indirect auto)

of $2.9

million, partially offset

increase in home

equity loans

of $5.9

million.

Loans

HFI at

June 30,

2026,

decreased

by $18.5

million, or 0.7% from March

31, 2026,

and

decreased

by $46.2

million, or 1.8%,

from

December

31, 2025.

Compared

to March

31, 2026,

the decline was

primarily due

to decreases

in other loans

of $9.7

million,

construction

loans of

$7.5 million, and

commercial

real estate

loans of

$5.2 million, partially

offset

by increases

in commercial

loans of

$2.3 million, and

consumer

loans (primarily

indirect auto)

of $1.3

million. Compared

to December

31, 2025,

the decline

was primarily

attributable

to decreases

in residential real estate

loans of

$22.8

million, commercial

real estate

loans of

$18.1

million, commercial

loans of

$7.8 million, other loans

of $2.1

million, consumer

loans (primarily

indirect auto)

of $1.5

million,

partially

offset

by increases

in home

equity loans

of $3.6

million, and construction

loans of

$2.2 million.

Allowance for Credit Losses

At June

30, 2026,

the allowance

for credit losses for loans

HFI totaled

$31.0

million compar

able to

March

31, 2026

and

December

31, 2025.

Activity within

the allowance

is provided on

Page 10. Net loan

charge

-offs

were 14 basis points

of average

loans for

the

second quarter

of 2026

versus 10 basis

points for

the first quarter

of 2026

and 18 basis

points for

the fourth

quarter

of 2025.

At June

30, 2026, the

allowance

represented

1.24% of

loans HFI

compared

to 1.23%

March

31, 2026,

and

1.22% at

December

31, 2025.

Credit Quality

Nonperforming

assets

(nonaccrual

loans and

other real estate)

totaled

$13.4

million at June

30, 2026

compared

to $13.0

million at

March 31, 2026

and $10.5

million at

December

31, 2025. At

June 30,

2026, nonperforming

assets as

a percentage

of total assets

was

0.30%, compared

to 0.29% at March

31, 2026 and

0.24% at

December

31, 2025.

Nonaccrual

loans totaled

$10.0

million at June

30,

2026,

a $1.1

million decrease from

March

31, 2026

and

a $1.4

million increase over December

31, 2025.

Other real estate

totaled

$3.4 million

June 30,

2026,

a $1.6

million increase over March

31, 2026

and

$1.5 million increase

over December

31, 2025.

Further,

classified

loans totaled

$29.8

million at June

30, 2026,

a $15.3

million increase over March

31, 2026

and

a $15.5

million

increase over

December

31, 2025.

The increase

over both

prior periods reflected

the downgrade

of four

commercial

real estate

relationships

(two private

schools totaling

$9.8 million

($6.4 million

and

$3.4 million),

hotel $2.0

million, funeral

home

$5.0

million).

Deposits

Average

total

deposits were $3.679

billion for the second

quarter

of 2026,

a decrease

of $12.2

million, or 0.3%, from the

first

quarter

of 2026,

and

increase of

$31.3

million, or 0.9%, over the fourth

quarter

of 2025.

Compared

to the

first quarter

2026,

the decrease

was primarily attributable

to lower public funds

balances

of $43.5

million (primarily NOW account

balances)

as those

balances

begin to seasonally

decline in the second

quarter,

partially

offset

by higher core account

balances

of $31.3

million

(primarily MMA

and

noninterest

bearing checking). The

increase over

the fourth

quarter

of 2025

was primarily due

to higher public

funds

balances

of $56.1

million, partially offset

by lower core deposit

balances

of $24.8

million.

At June

30, 2026,

total

deposits were $3.721

billion, a decrease

of $30.6

million, or 0.8% from March

31, 2026,

and

increase

$58.7

million, or 1.6%

over December

31, 2025.

The decrease

from

March

31, 2026,

was driven by

lower public funds balances

$68.4

million (primarily

NOW accounts),

partially

offset

by an

increase in core deposit

balances

of $37.8

million (primarily

noninterest

bearing accounts).

The increase

over December

31, 2025

was primarily due

to core deposit

growth

$151.9

million,

partially

offset

by lower public funds

balances

of $93.2

million.

Total

public funds

balances

were $561.5

million at June

30, 2026,

$629.9

million at

March

31, 2026,

and

$654.7

million at December

31, 2025,

respectively.

Liquidity

The Bank

maintained

average

net overnight

funds

(i.e.,

deposits with banks

plus FED funds sold, less FED funds purchased)

sold

position of

$365.1

million in the second

quarter

of 2026

compared

to $407.7

million in the first quarter

of 2026

and

$437.5

million

in the

fourth

quarter

of 2025.

Compared

to the

first quarter

of 2026,

the variance

reflected lower average

deposits and

the

deployment

of excess

liquidity into the investment

security portfolio.

Compared

to the

fourth

quarter

of 2025,

the variance

was

driven by the

deployment

of excess

liquidity into the

investment

security portfolio.

also view our

investment

portfolio as

a liquidity source

as we have

the option

to pledge securities in our portfolio

as collateral

for borrowings

or deposits and/or

to sell selected securities

in our portfolio.

Our portfolio

consists of

debt

issued by the

U.S.

Treasury,

U.S. governmental

agencies, municipal

governments,

and

corporate

entities. At June 30,

2026,

the weighted-average

maturity

and

duration

of our

portfolio were 2.95

years and

2.60 years,

respectively,

and

the available

-for-sale portfolio

had

a net

unrealized

after

-tax

loss of $14.0

million.

At June 30, 2026,

we had

the ability

to generate

approximately

$1.721

billion (excludes overnight funds

position of

$413

million) in

additional

liquidity through various

sources including

various

federal

funds

purchased

lines, Federal Home

Loan

Bank

borrowings,

the Federal

Reserve Discount

Window,

and

brokered

deposits.

Capital

Shareowners’

equity was

$570.1

million at June

30, 2026

compared

to $559.9

million at March

31, 2026

and

$552.9

million at

December

31, 2025.

For the first

six months

of 2026,

shareowners’

equity was

positively impacted

by net

income

attributable

shareowners

of $32.1

million, the

issuance of

stock of $3.4 million,

and stock

compensation

accretion

of $0.9

million. Shareowners’

equity was

reduced

by common

stock dividends

of $9.2

million ($0.54 per share), repurchases

of our

common

stock of

$2.6 million

(63,088

shares), net

adjustments

totaling $2.6

million related to transactions

under our

stock-based

compensation

plans, and

unfavorable

net change

of $4.8

million in accumulated

other comprehensive

loss due to an

unfavorable

fair value

mark

on the

investment

securities portfolio

driven by higher

bond

rates in the

second

quarter.

At June

30, 2026,

our total

risk-based capital

ratio was

22.35%,

compared

to 21.62%

March

31, 2026

and

21.45%

December

31, 2025.

Our common

equity tier 1 capital

ratio was

19.80%,

19.08%,

and

18.56%,

respectively,

on these

dates.

Our leverage ratio

was 11.96%,

11.65%,

and

11.77%,

respectively,

on these

dates.

At June 30, 2026,

all our regulatory

capital

ratios exceeded

the

thresholds to

be designated

as “well-capitalized”

under the

Basel III

capital

standards.

Further, our tangible

common

equity ratio

(non-GAAP

financial

measure)

was 11.03%

June 30,

2026,

compared

to 10.79%

both

March

31, 2026,

and

December

31,

2025.

If our

unrealized

held-to-maturity

securities loss of $7.8 million (after

-tax) was

recognized in accumulated

other

comprehensive

loss, our adjusted

tangible capital

ratio would be

10.85%.

About Capital

City Bank Group,

Inc.

Capital

City Bank

Group, Inc. (NASDAQ: CCBG)

is one

of the

largest publicly traded

financial

holding companies

headquartered

in Florida

and

has

approximately

$4.5 billion in assets.

We provide

a full range

of banking

services, including traditional

deposit

and

credit services, mortgage

banking,

asset

management,

trust, merchant

services, bankcards,

and

securities brokerage

services.

Our bank

subsidiary,

Capital

City Bank,

was founded

in 1895

and

has

62 banking

offices

and

107 ATMs/ITMs

in Florida, Georgia

and

Alabama.

For more information

about

Capital

City Bank

Group, Inc., visit https://www.ccbg.com/

FORWARD-LOOKING

STATEMENTS

Forward-looking

statements

in this Press Release are based

on current

plans and

expectations

that

are subject

to uncertainties

and

risks, which

could cause

our future

results to differ

materially.

The words “may,”

“could,” “should,”

“would,” “believe,”

“anticipate,”

“estimate,”

“expect,”

“intend,”

“plan,”

“target,”

“vision,” “goal,” and

similar expressions are

intended

to identify

forward

-looking statements.

The following factors,

among

others, could

cause our actual

results to differ:

the effects

of and

changes

in trade

and

monetary

and

fiscal policies and

laws, including the interest rate

policies of the Federal

Reserve Board;

inflation,

interest

rate, market

and monetary

fluctuations;

local, regional, national,

and

international

economic

conditions

and

the impact

they

may

have

on us and

our clients and

our assessment

of that

impact;

supply-demand

imbalances

and

general economic

conditions

affecting

local real estate

prices and

a general

deterioration

in commercial

real estate

market

fundamentals;

the costs

and

effects

legal and

regulatory developments,

the outcomes

of legal proceedings

or regulatory or other

governmental

inquiries, the results of

regulatory examinations

or reviews and the

ability to obtain

required regulatory

approvals;

the effect

of changes

in laws and

regulations

(including laws

and

regulations concerning

taxes,

banking,

securities, and

insurance)

and

their application

with which we

and

our subsidiaries must

comply;

the effect

of changes

in accounting

policies and practices,

as may

be adopted

by the

regulatory

agencies,

as well as other

accounting

standard

setters; the accuracy

of our financial statement

estimates

and

assumptions;

changes

the financial

performance

and/or

condition

of our

borrowers; changes

in the mix of

loan

geographies, sectors

and

types or the

level

of non-performing

assets

and

charge

-offs;

changes

in estimates

of future

credit loss reserve requirements

based

upon

the periodic

review

thereof under relevant

regulatory and

accounting

requirements;

changes

in our liquidity position;

the timely

development

and

acceptance

of new products

and

services and

perceived overall

value

of these

products

and

services by users; changes

in consumer

spending,

borrowing,

and saving

habits; greater

than

expected

costs or difficulties

related to the

integration

of new products

and

lines

of business;

increased

competition

and

its effect

on deposit

fees; technological

changes,

including the impact

of generative

artificial

intelligence;

the costs

and

effects

of cyber

incidents or other

failures, interruptions,

or security breaches

of our

systems

or those of

our customers

or third-party

providers; dispositions;

acquisitions

and

integration

of acquired

businesses; impairment

of our

goodwill

or other intangible

assets;

changes

in the reliability of

our vendors,

internal control

systems, or information

systems;

our ability

increase market

share and

control expenses;

our ability to

attract

and

retain qualified

employees;

changes

in our organization,

compensation,

and

benefit

plans;

the soundness

of other

financial

institutions;

volatility and

disruption in national

and

international

financial

and

commodity

markets;

changes

in the competitive

environment

in our markets

and

among

banking

organizations

and

other financial

service providers; action

or inaction

by the

federal

government,

including tariffs

or trade

wars (including potential

resulting reduced

consumer

spending, lower economic

growth or recession,

reduced

demand

for U.S. exports, disruptions

to supply

chains, and

decreased

demand

for other

banking

products

and

services), government

intervention

in the U.S. financial

system;

policies related

to credit card

interest rates,

and

legislative, regulatory

or supervisory

actions

to so-called

“de-banking,”

including

any

new prohibitions, requirements

or enforcement

priorities that

could affect

customer

relationships, compliance

obligations,

or operational

practices;

the effects

of natural

disasters (including hurricanes), widespread

health

emergencies (including

pandemics),

military conflict

(including impacts

to the

conflicts

in the Middle East

and

resulting disruptions to energy

and

other commodities

markets

and

supply chains),

terrorism, civil

unrest, climate

change

or other geopolitical

events;

our ability

declare and

pay dividends;

structural

changes

in the markets

for origination, sale

and

servicing of residential mortgages;

any

inability

to implement

and

maintain

effective

internal control

over financial

reporting and/or

disclosure control;

negative

publicity and

the

impact

on our reputation;

and

the limited trading

activity

and

concentration

of ownership

of our

common

stock.

Additional factors

can

be found

in our Annual

Report

on Form 10

-K for the fiscal year

ended

December

31, 2025

and

our other

filings

with the SEC,

which are

available

the SEC’s internet

site (https://www.sec.gov

Forward-looking statements

in this Press Release speak

only as

of the date

of the Press Release,

and we

assume

no obligation

to update

forward

-looking statements

or the reasons

why actual

results

could differ,

except

as may

be required by

law.

USE OF NON-GAAP

FINANCIAL

MEASURES

Unaudited

present a tangible

common

equity ratio and

a tangible book

value

per diluted share

that

removes

the effect

of goodwill and

other

intangibles

resulting from

merger and

acquisition

activity.

We believe these

measures

are useful

to investors

because

they

allow

investors

to more easily compare

our capital

adequacy

to other

companies

in the industry.

Non-GAAP financial measures

should not

be considered

alternatives

to GAAP-basis

financial statements

and other bank

holding companies

may

define or calculate

these non-

GAAP

measures

or similar measures

differently.

The GAAP

to non

-GAAP reconciliations are

provided

below.

(Dollars in Thousands, except per share data)

Jun 30, 2026

Mar 31, 2026

Dec 31, 2025

Sep 30, 2025

Jun 30, 2025

Shareowners' Equity (GAAP)

570,095

559,912

552,851

540,635

526,423

Less: Goodwill and Other Intangibles (GAAP)

89,095

92,693

Tangible Shareowners' Equity (non-GAAP)

481,000

470,817

463,756

451,540

433,730

Total Assets (GAAP)

4,450,483

4,453,734

4,385,765

4,323,774

4,391,753

Less: Goodwill and Other Intangibles (GAAP)

89,095

92,693

Tangible Assets

(non-GAAP)

4,361,388

4,364,639

4,296,670

4,234,679

4,299,060

Tangible Common

Equity Ratio (non-GAAP)

A/B

11.03%

10.79%

10.66%

10.09%

Actual Diluted Shares Outstanding (GAAP)

17,135,824

17,114,954

17,154,586

17,115,336

17,097,986

Tangible Book Value

per Diluted Share (non-GAAP)

A/C

28.07

27.51

27.03

26.38

25.37

CAPITAL

CITY BANK

GROUP,

INC.

EARNINGS

HIGHLIGHTS

Unaudited

Three Months Ended

Six Months Ended

(Dollars in thousands, except per share data)

Jun 30, 2026

Mar 31, 2026

Jun 30, 2025

Jun 30, 2026

Jun 30, 2025

EARNINGS

Net Income Attributable to Common Shareowners

16,277

15,817

15,044

32,094

31,902

Diluted Net Income Per Share

0.95

0.92

0.88

1.87

PERFORMANCE

Return on Average Assets (annualized)

1.48

1.45

1.38

1.47

1.48

Return on Average Equity (annualized)

11.38

11.30

11.44

11.34

12.36

Net Interest Margin

4.35

4.24

4.30

4.26

Noninterest Income as % of Operating Revenue

31.79

31.77

31.67

31.78

32.03

Efficiency

Ratio

65.76

65.89

67.26

65.83

65.13

CAPITAL

ADEQUACY

Tier 1 Capital

21.10

20.37

18.38

21.10

18.38

Total Capital

22.35

21.62

19.60

22.35

19.60

Leverage

11.96

11.65

11.14

11.96

11.14

Common Equity Tier 1

19.80

19.08

16.81

19.80

16.81

Tangible Common Equity

(1)

11.03

10.79

10.09

11.03

10.09

Equity to Assets

12.81

12.57

11.99

12.81

11.99

ASSET QUALITY

Allowance as % of Non-Performing Loans

309.72

278.19

463.01

309.72

463.01

Allowance as a % of Loans HFI

1.24

1.23

1.13

1.24

1.13

Net Charge-Offs as % of Average

Loans HFI

0.14

0.10

0.09

0.12

0.09

Nonperforming Assets as % of Loans HFI

and OREO

0.54

0.51

0.25

0.54

0.25

Nonperforming Assets as % of Total Assets

0.30

0.29

0.15

0.30

0.15

STOCK PERFORMANCE

High

51.04

46.83

39.82

51.04

39.82

Low

42.79

39.26

32.38

39.26

32.38

49.42

43.46

39.35

49.42

39.35

Average Daily Trading Volume

95,532

100,149

27,397

97,821

25,988

(1)

Tangible common equity ratio is a non-GAAP

financial measure. For additional information, including a

reconciliation to GAAP,

refer to Page 9.

CAPITAL CITY BANK GROUP,

INC.

CONSOLIDATED STATEMENT OF

FINANCIAL CONDITION

Unaudited

2026

2025

(Dollars in

thousands)

Second Quarter

First Quarter

Fourth Quarter

Third Quarter

Second Quarter

ASSETS

Cash and

Due From

Banks

67,124

64,214

62,189

68,397

78,485

Funds

Sold and

Interest

Bearing Deposits

412,609

424,756

467,782

397,502

394,917

Total

Cash and

Cash Equivalents

479,733

488,970

529,971

465,899

473,402

Investment

Securities

Available

for

Sale

853,608

800,550

643,922

577,333

533,457

Investment

Securities

Held to

Maturity

304,460

353,296

377,446

404,659

462,599

Other Equity

Securities

2,068

2,083

2,069

2,145

3,242

Total

Investment

Securities

1,160,136

1,155,929

1,023,437

984,137

999,298

Loans Held for Sale ("HFS"):

34,278

25,088

21,695

24,204

19,181

Loans Held for Investment ("HFI"):

Commercial,

Financial,

& Agricultural

172,536

170,268

180,341

179,018

180,008

Real Estate

- Construction

149,127

156,630

146,920

156,756

174,115

Real Estate

- Commercial

750,637

755,800

768,731

785,290

802,504

Real Estate

- Residential

998,145

998,720

1,020,942

1,037,324

1,046,368

Real Estate

- Home

Equity

244,462

243,932

240,897

234,111

228,201

Consumer

180,859

179,515

182,327

185,847

197,483

Other Loans

2,668

12,347

4,748

2,283

1,552

Overdrafts

1,437

1,192

1,212

1,378

1,259

Total

Loans

Held for

Investment

2,499,871

2,518,404

2,546,118

2,582,007

2,631,490

Allowance

for

Credit Losses

(31,007)

(30,999)

(31,001)

(30,202)

(29,862)

Loans Held for Investment, Net

2,468,864

2,487,405

2,515,117

2,551,805

2,601,628

Premises and Equipment, Net

81,148

77,670

79,457

79,748

79,906

Goodwill

and

Other Intangibles

89,095

92,693

Other Real Estate

Owned

3,424

1,822

1,936

1,831

132

Other Assets

133,805

127,755

125,057

127,055

125,513

Total

Other Assets

307,472

296,342

295,545

297,729

298,244

Total

Assets

4,450,483

4,453,734

4,385,765

4,323,774

4,391,753

LIABILITIES

Deposits:

Noninterest

Bearing Deposits

1,344,694

1,299,933

1,251,886

1,303,786

1,332,080

NOW Accounts

1,282,360

1,309,527

1,322,114

1,222,861

1,284,137

Money Market Accounts

418,342

432,874

390,888

405,846

408,666

Savings

Accounts

511,000

516,149

503,485

500,323

504,331

Certificates

of Deposit

164,613

193,134

193,939

182,096

175,639

Total

Deposits

3,721,009

3,751,617

3,662,312

3,614,912

3,704,853

Repurchase

Agreements

7,420

4,561

22,018

25,629

21,800

Other Short-Term

Borrowings

39,487

28,715

28,074

14,615

12,741

Subordinated

Notes

Payable

33,303

42,582

Other Long-Term

Borrowings

567

680

Other Liabilities

78,602

74,946

77,248

84,721

82,674

Total

Liabilities

3,880,388

3,893,822

3,832,914

3,783,139

3,865,330

SHAREOWNERS' EQUITY

Common

Stock

171

Additional

Paid-In

Capital

40,821

39,854

41,650

40,067

39,527

Retained Earnings

531,291

519,632

508,443

499,176

487,665

Accumulated Other Comprehensive Income (Loss),

Net of

Tax

(2,188)

255

2,587

1,221

(940)

Total

Shareowners'

Equity

570,095

559,912

552,851

540,635

526,423

Total

Liabilities,

Temporary

Equity

and

Shareowners'

Equity

4,450,483

4,453,734

4,385,765

4,323,774

4,391,753

OTHER BALANCE SHEET DATA

Earning

Assets

4,106,894

4,124,177

4,059,032

3,987,850

4,044,886

Interest

Bearing Liabilities

2,457,092

2,518,943

2,503,780

2,394,632

2,450,576

Book

Value

Per Diluted

33.27

32.71

32.23

31.59

30.79

Tangible

Book

Value

Per Diluted

(1)

28.07

27.51

27.03

26.38

25.37

Actual Basic

Outstanding

17,111

17,098

17,084

17,069

17,066

Actual Diluted

Outstanding

17,136

17,115

17,155

17,115

17,098

(1)

Tangible

book

value

per diluted

is a non

-GAAP financial

measure.

For additional

information,

including

a reconciliation

to GAAP,

refer

to Page 9.

CAPITAL

CITY BANK

GROUP,

INC.

CONSOLIDATED

STATEMENT

OF OPERATIONS

Unaudited

2026

2025

Six Months Ended

June 30,

(Dollars in thousands, except per share data)

Second

Quarter

First

Quarter

Fourth

Quarter

Third

Quarter

Second

Quarter

2026

2025

INTEREST INCOME

Loans, including Fees

38,212

38,254

39,565

40,279

40,872

76,466

81,350

Investment Securities

10,260

9,055

7,768

7,188

6,678

19,315

12,486

Federal Funds Sold and Interest Bearing Deposits

3,366

3,711

4,382

3,964

3,909

7,077

7,405

Total Interest Income

51,838

51,020

51,715

51,431

51,459

102,858

101,241

INTEREST EXPENSE

Deposits

6,933

7,395

7,544

7,265

7,405

14,328

14,788

Repurchase Agreements

134

158

156

134

320

Other Short-Term Borrowings

349

327

217

179

676

296

Subordinated Notes Payable

288

398

451

383

530

686

1,090

Other Long-Term Borrowings

Total Interest Expense

7,640

8,203

8,355

7,874

8,275

15,843

16,510

Net Interest Income

44,198

42,817

43,360

43,557

43,184

87,015

84,731

Provision for Credit Losses

919

712

1,995

1,881

620

1,631

1,388

Net Interest Income after Provision for Credit Losses

43,279

42,105

41,365

41,676

42,564

85,384

83,343

NONINTEREST

INCOME

Deposit Fees

5,656

5,598

5,811

5,877

5,320

11,254

10,381

Bank Card Fees

3,858

3,630

3,684

3,733

3,774

7,488

7,288

Wealth Management Fees

4,185

4,051

4,525

5,173

5,206

8,236

10,969

Mortgage Banking Revenues

4,660

4,252

4,155

4,794

4,190

8,912

8,010

Other

2,240

2,402

1,928

2,754

1,524

4,642

3,273

Total Noninterest Income

20,599

19,933

20,103

22,331

20,014

40,532

39,921

NONINTEREST

EXPENSE

Compensation

25,836

25,703

28,384

26,056

26,490

51,539

52,738

Occupancy, Net

7,319

7,083

7,052

7,037

7,071

14,402

13,864

Other

9,485

8,587

7,431

9,823

8,977

18,072

14,637

Total Noninterest Expense

42,640

41,373

42,867

42,916

42,538

84,013

81,239

OPERATING PROFIT

21,238

20,665

18,601

21,091

20,040

41,903

42,025

Income Tax Expense

4,961

4,848

4,896

5,141

4,996

9,809

10,123

NET INCOME

16,277

15,817

13,705

15,950

15,044

32,094

31,902

PER COMMON SHARE

Basic Net Income

0.95

0.92

0.80

0.93

0.88

1.88

1.87

Diluted Net Income

0.95

0.92

0.80

0.93

0.88

1.87

Cash Dividend

0.27

0.26

0.24

0.54

0.48

AVERAGE

Basic

17,101

17,129

17,070

17,068

17,056

17,115

17,042

Diluted

17,126

17,146

17,140

17,114

17,088

17,133

17,067

CAPITAL

CITY BANK GROUP,

INC.

ALLOWANCE

FOR CREDIT LOSSES

("ACL")

AND CREDIT

QUALITY

Unaudited

2026

2025

Six Months Ended

June 30,

(Dollars in thousands, except per share data)

Second

Quarter

First

Quarter

Fourth

Quarter

Third

Quarter

Second

Quarter

2026

2025

ACL - HELD FOR INVESTMENT

LOANS

Balance at Beginning of Period

30,999

31,001

30,202

29,862

29,734

31,001

29,251

Provision for Credit Losses

904

635

1,984

1,550

718

1,539

1,801

Net Charge-Offs

896

637

1,185

1,210

590

1,533

1,190

Balance at End of Period

31,007

30,999

31,001

30,202

29,862

31,007

29,862

As a % of Loans HFI

1.24%

1.23%

1.22%

1.17%

1.13%

1.24%

1.13%

As a % of Nonperforming Loans

309.72%

278.19%

360.69%

368.54%

463.01%

309.72%

463.01%

ACL - UNFUNDED

COMMITMENTS

Balance at Beginning of Period

2,189

2,107

2,095

1,738

1,832

2,107

2,155

Provision for Credit Losses

357

(94)

(417)

Balance at End of Period

(1)

2,197

2,189

2,107

2,095

1,738

2,197

1,738

ACL - DEBT SECURITIES

Provision for Credit Losses

(5)

(1)

(26)

(4)

CHARGE-OFFS

Commercial,

Financial

and Agricultural

577

300

167

373

877

242

Real Estate - Construction

Real Estate

- Commercial

Real Estate

- Residential

Real Estate

- Home Equity

Consumer

613

852

925

954

914

1,465

1,779

Overdrafts

524

631

670

619

437

1,155

1,007

Total Charge-Offs

1,752

1,796

1,843

1,968

1,498

3,548

3,109

RECOVERIES

Commercial,

Financial

and Agricultural

117

139

192

Real Estate - Construction

Real Estate

- Commercial

Real Estate

- Residential

104

184

Real Estate

- Home Equity

Consumer

468

579

246

369

456

1,047

937

Overdrafts

285

335

325

263

222

620

546

Total Recoveries

856

1,159

658

758

908

2,015

1,919

NET CHARGE-OFFS

896

637

1,185

1,210

590

1,533

1,190

Net Charge-Offs as a % of Average Loans

HFI

(2)

0.14%

0.10%

0.18%

0.09%

0.12%

0.09%

CREDIT QUALITY

Nonaccruing Loans

10,011

11,143

8,595

8,195

6,449

Other Real Estate Owned

3,424

1,822

1,936

1,831

132

Total Nonperforming Assets

("NPAs")

13,435

12,965

10,531

10,026

6,581

Past Due Loans 30-89 Days

2,680

6,643

7,017

5,468

4,523

Classified Loans

Commercial,

Financial

and Agricultural

1,479

1,660

1,650

1,514

1,820

Real Estate - Construction

379

718

Real Estate

- Commercial

21,638

6,374

5,897

11,745

12,212

Real Estate

- Residential

3,825

3,497

3,601

8,348

8,237

Real Estate

- Home Equity

1,461

2,003

1,957

3,043

4,995

Consumer

1,020

1,011

1,229

1,144

1,359

Total Classified Loans

29,802

14,545

14,334

26,512

28,623

Nonperforming Loans as a % of Loans HFI

0.40%

0.44%

0.34%

0.32%

0.25%

NPAs

as a % of Loans HFI and Other Real

Estate

0.54%

0.51%

0.41%

0.39%

0.25%

NPAs

as a % of Total Assets

0.30%

0.29%

0.24%

0.23%

0.15%

(1)

Recorded in other liabilities.

(2)

Annualized.

CAPITAL

CITY BANK GROUP,

INC.

AVERAGE

BALANCE AND

INTEREST RATES

Unaudited

Second Quarter

2026

First Quarter

2026

Fourth Quarter

2025

Third Quarter

2025

Second Quarter

2025

June 2026 YTD

June 2025 YTD

(Dollars in thousands)

Average

Balance

Interest

Average

Rate

Average

Balance

Interest

Average

Rate

Average

Balance

Interest

Average

Rate

Average

Balance

Interest

Average

Rate

Average

Balance

Interest

Average

Rate

Average

Balance

Interest

Average

Rate

Average

Balance

Interest

Average

Rate

ASSETS:

Loans Held for Sale

30,505

500

6.57

24,716

404

6.63

24,261

374

6.11

25,276

425

6.68

22,668

475

8.40

27,626

904

6.60

23,692

965

8.21

Loans Held for Investment

(1)

2,505,875

37,751

6.04

2,538,318

37,886

6.05

2,568,073

39,230

6.06

2,606,213

39,894

6.07

2,652,572

40,436

6.11

2,522,007

75,637

6.05

2,659,204

80,465

6.10

Investment Securities

Taxable Investment Securities

1,165,965

10,249

3.52

1,117,505

9,042

3.26

1,004,420

7,756

3.07

992,260

7,175

2.88

1,006,514

6,666

2.65

1,141,869

19,291

3.39

994,068

12,468

2.52

Tax-Exempt Investment Securities

(1)

1,356

4.41

1,620

4.25

1,620

4.30

1,620

4.44

1,467

4.50

1,487

4.32

1,158

4.43

Total Investment Securities

1,167,321

10,264

3.52

1,119,125

9,059

3.26

1,006,040

7,773

3.08

993,880

7,193

2.88

1,007,981

6,683

2.65

1,143,356

19,323

3.39

995,226

12,494

2.52

Federal Funds Sold and Interest

Bearing Deposits

365,126

3,366

3.70

407,679

3,711

3.69

437,536

4,382

3.97

356,161

3,964

4.42

348,787

3,909

4.49

386,285

7,077

3.69

334,944

7,405

4.46

Total

Earning Assets

4,068,827

51,881

5.11

4,089,838

51,060

5.06

4,035,910

51,759

5.08

3,981,530

51,476

5.12

4,032,008

51,503

5.12

4,079,274

102,941

5.08

4,013,066

101,329

5.09

Cash and

Due From Banks

64,337

63,079

67,291

65,085

65,761

63,712

69,593

Allowance for Credit Losses

(31,602)

(31,545)

(30,922)

(30,342)

(30,492)

(31,574)

(30,251)

Other Assets

305,809

297,532

294,757

301,678

302,984

301,694

300,336

Total Assets

4,407,371

4,418,904

4,367,036

4,317,951

4,370,261

4,413,106

4,352,744

LIABILITIES:

Noninterest

Bearing Deposits

1,308,276

1,282,988

1,303,266

1,314,560

1,342,304

1,295,703

1,329,933

NOW Accounts

1,263,616

3,938

1.25

1,302,894

4,221

1.31

1,235,961

4,055

1.30

1,198,124

3,782

1.25

1,225,697

3,750

1.23

1,283,146

8,159

1.28

1,237,759

7,604

1.24

Money Market Accounts

419,983

1,857

1.77

403,340

1,752

1.76

415,577

1,977

1.89

416,656

2,090

1.99

431,774

2,340

2.17

411,708

3,609

1.77

425,949

4,527

2.14

Savings Accounts

513,815

100

0.08

509,351

132

0.10

501,080

157

0.12

503,189

159

0.13

507,950

174

0.14

511,595

232

0.09

507,813

350

0.14

Time Deposits

173,086

1,038

2.41

192,443

1,290

2.72

191,626

1,355

2.80

179,802

1,234

2.72

172,982

1,141

2.65

182,711

2,328

2.57

171,682

2,307

2.71

Total

Interest

Bearing Deposits

2,370,500

6,933

1.17

2,408,028

7,395

1.25

2,344,244

7,544

1.28

2,297,771

7,265

1.25

2,338,403

7,405

1.27

2,389,160

14,328

1.21

2,343,203

14,788

1.27

Total Deposits

3,678,776

6,933

0.76

3,691,016

7,395

0.81

3,647,510

7,544

0.82

3,612,331

7,265

0.80

3,680,707

7,405

0.81

3,684,863

14,328

0.78

3,673,136

14,788

0.81

Repurchase

Agreements

10,917

2.24

15,789

1.88

20,690

134

2.57

21,966

158

2.86

22,557

156

2.78

13,340

134

2.03

26,169

320

2.47

Other Short-Term

Borrowings

33,545

349

4.17

27,836

327

4.76

20,954

217

4.09

12,753

1.82

10,503

179

6.82

30,706

676

4.44

8,978

296

6.64

Subordinated Notes Payable

33,303

288

3.42

41,620

398

3.83

42,582

451

4.15

42,582

383

3.52

51,981

530

4.03

37,438

686

3.64

52,432

1,090

4.13

Other Long-Term

Borrowings

660

5.78

680

5.68

680

5.55

681

5.55

792

2.41

670

5.73

793

4.04

Total

Interest

Bearing Liabilities

2,448,925

7,640

1.25

2,493,953

8,203

1.33

2,429,150

8,355

1.36

2,375,753

7,874

1.32

2,424,236

8,275

1.37

2,471,314

15,843

1.29

2,431,575

16,510

1.37

Other Liabilities

76,331

74,300

78,520

85,422

76,138

75,321

70,705

Total Liabilities

3,833,532

3,851,241

3,810,936

3,775,735

3,842,678

3,842,338

3,832,213

SHAREOWNERS'

EQUITY:

573,839

567,663

556,100

542,216

527,583

570,768

520,531

Total Liabilities, Temporary Equity

and Shareowners' Equity

4,407,371

4,418,904

4,367,036

4,317,951

4,370,261

4,413,106

4,352,744

Interest Rate Spread

44,241

3.86

42,857

3.72

43,404

3.72

43,602

3.81

43,228

3.75

87,098

3.79

84,819

3.72

Interest Income and Rate Earned

(1)

51,881

5.11

51,060

5.06

51,759

5.08

51,476

5.12

51,503

5.12

102,941

5.08

101,329

5.09

Interest Expense and Rate Paid

(2)

7,640

0.75

8,203

0.81

8,355

0.82

7,874

0.78

8,275

0.82

15,843

0.78

16,510

0.83

Net Interest

Margin

44,241

4.35

42,857

4.24

43,404

4.26

43,602

4.34

43,228

4.30

87,098

4.30

84,819

4.26

(1)

Interest and average rates are calculated

on a tax-equivalent basis using a

21% Federal tax rate.

(2)

Rate calculated based on average earning

assets.

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration