Form 8-K

8-K — CAPITAL CITY BANK GROUP INC

Accession: 0000726601-26-000027

Filed: 2026-10-20

Period: 2026-10-20

CIK: 0000726601

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — ccbg-20261020.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-20261020.htm · Sequence: 1

ccbg-20261020

FALSE

0000726601

2026-10-20

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)

October 20, 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 8-

CURRENT REPORT

Item 2.02.

Results of Operations

and Financial Condition.

On October 20, 2026,

Capital City Bank

Group, Inc. (“CCBG”) issued an

earnings press release reporting CCBG’s

financial

results for the three

and nine month

periods

ended September

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 October 20, 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:

October 20, 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 Third Quarter

2026

Results

TALLAHASSEE,

Fla. (October 20,

2026) – Capital

City Bank Group,

Inc. (NASDAQ: CCBG) today

reported net income

attributable

to common

shareowners of

$16.9

million, or $0.99

per diluted share, for the

third quarter of

2026 compared

to $16.3

million, or $0.95

per diluted share, for the

second quarter

of 2026, and

$16.0 million, or $0.93 per diluted

share, for the

third quarter

of 2025.

Return on Assets was

1.53% and

Return on Equity

was 11.67%

for the third quarter

of 2026

compared

to 1.48% and

11.38%,

respectively,

for the second

quarter of

2026, and

1.47% and

11.67%, respectively

for the third quarter

of 2025.

QUARTER HIGHLIGHTS

Quarter 2026

versus 2

Quarter 2026)

Income Statement

●

Tax-equivalent net interest income totaled $45.1 million compared to $44.2 million for the

prior quarter and reflected one

additional calendar day in the third quarter

Net interest margin increased 7 basis points to 4.42% (earning asset yield

increased 4 basis points to 5.15% and cost of

funds decreased 2 basis points to 73 basis points)

●

Credit loss provision

decreased $1.0 million -

net loan charge-offs

of 8 basis points

(annualized) of average loans

- allowance

coverage ratio decreased two basis points to 1.22% at September 30, 2026

●

Noninterest income decreased $1.2 million, or 5.9%, driven by lower mortgage banking revenues and deposit

fees

●

Noninterest

expense decreased

$0.3 million, or

0.8%, primarily due to

lower compensation

expense of $0.2

million

Balance Sheet

●

Loan balances

decreased $10.3

million, or 0.4%

(average), and decreased

$10.1 million,

or 0.4% (end of period)

●

Improved credit

quality - total nonperforming

assets of $9.7 million

(22 basis points

of total assets)

at September

30, 2026, a

$3.7 million

decrease from

the prior quarter

●

Deposit balances

decreased $31.2

million, or 0.9%

(average), and decreased

$54.4 million,

or 1.5% (end of period)

due to

the normal seasonal decrease in our public fund balances

●

Investment security

loss AFS and HTM

of 3.2% (after-tax)

of book value

– total security

portfolio

duration

of 2.6 years

●

Tangible

book value

per diluted

share (non-GAAP financial

measure) increased

$0.19, or 0.7%, and

reflected

the negative

impact of higher

bond interest

rates on our quarter-end

AFS fair value

AOCI adjustment

“The third quarter

delivered strong earnings and

solid momentum

across our Company,”

said William G. Smith, Jr., Chairman

and

Chief Executive Officer.

“Continued

net interest margin expansion

and improved

credit quality contributed

meaningfully to

our third

quarter results. We

remain well positioned

to build on this momentum

and finish the

year strong.”

Discussion of

Operating Results

Net Interest Income/Net

Interest Margin

Tax

-equivalent net

interest income for the

third quarter of

2026 totaled

$45.1 million, compared

to $44.2 million for the

second

quarter of 2026, and

$43.6 million for the third quarter

of 2025. Compared

to the second

quarter of

2026, the increase

was primarily

attributable

to higher income from

investment

securities and loan

interest income,

in addition to lower deposit

interest expense,

partially offset

by lower overnight funds

income due to

lower average balances.

The increase in investment

securities income

reflected new investment

purchases at

higher rates and

higher balances as

we deploy additional

liquidity into the investment

security

portfolio. The decrease

in deposit interest expense

was primarily driven

by lower average balances

on seasonal public funds accounts

and lower rates on

time deposits. One additional

calendar

day also

contributed to

the increase over

the second quarter

of 2026.

The

increase over the

third quarter of

2025 was also

driven by the same

aforementioned

factors.

For the first nine

months of 2026, tax

-equivalent net interest income

totaled $132.2

million compared

to $128.4 million for the

same

period of 2025

The increase was primarily

attributable

to higher investment

securities income and

lower deposit interest expense,

partially offset

by lower loan interest income

and overnight

funds income.

New investment purchases

at higher yields and higher

balances

drove the increase

in investment securities income.

The decrease in deposit

interest expense

was primarily attributable

lower rates across

several 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 as well as a lower

average overnight

funds rate.

Our 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 an

increase of eight basis points

over the third quarter

of 2025. For the

first nine months of

2026, our net

interest margin

increased by six basis

points to 4.34%

compared

to the same

period of 2025.

The increase in net interest

margin over all prior

periods was largely

attributable

to higher investment

security yield driven by new purchases

at higher rates and

lower deposit costs.

For the third quarter

of 2026, our

cost of funds

was 73 basis points,

a decrease

of two basis points

from the second

quarter

of 2026

and five basis

points from the

third quarter of

2025. Our cost of

deposits (including noninterest bearing

accounts)

was 74 basis

points, 76 basis points,

and 80

basis points, respectively,

for the same

periods.

Provision for Credit Losses

We recorded

a provision benefit

for credit losses of $0.

million for the third quarter

of 2026, compared

to a provision expense

$0.9 million for

the second

quarter of

2026 and

$1.9 million for the third quarter

of 2025. For the

first nine months

of 2026, we

recorded a provision

expense for credit losses

of $1.6 million compared

to $3.3 million for the

same period

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 third quarter

of 2026

totaled $19.4

million, a $1.2 million, or 5.9%, decrease from

the second quarter

2026 and

a $2.9 million, or 13.2%, decrease

from the third

quarter of

2025. The decrease

from the second

quarter of

2026 was

attributable

to decreases

in mortgage banking

revenues of $1.0

million,

deposit fees of

$0.5 million and other

income of $0.2

million partially

offset by

a $0.5 million increase in wealth

management

fees. The decrease

in mortgage banking

revenues was

primarily due to

lower production volume

and the

decrease in deposit

fees reflected lower overdraft

fees attributable

to processing

changes that

better align with industry practices

The increase in wealth management

fees was primarily due

to higher retail

brokerage fees.

The decrease from

the third quarter

of 2025

was driven by decreases

in mortgage banking

revenues of $1.1

million, deposit fees of

$0.7 million, other

income of $0.7

million and wealth management

fees of $0.5

million, partially offset

by an increase

in bank card

fees of $0.1

million.

The decrease in mortgage

banking revenues

was due to lower production

volume and

gain on sale margin.

The

decrease in deposit

fees reflected lower overdraft

fees. The decrease

in other income reflected

a $0.7 million gain from

the sale of

our insurance subsidiary

in the third quarter

of 2025

– the advisors at

this subsidiary also serviced

retail brokerage clients which

drove the decline in

wealth management

fees.

For the first nine

months of

2026, noninterest

income totaled

$59.9 million, a $2.3 million, or 3.8%, decrease

from the same

period

of 2025, attributable

to decreases in wealth

management

fees of $3.3

million partially offset

by increases in other

income of $0.7

million and bank

card fees of $0.3 million. The

decrease in wealth

management

fees was attributable to decreases

in retail brokerage

fees (due to lower assets

under management

)

and lower insurance

commissions (attributable

to the aforementioned

sale of our

insurance subsidiary)

The increase in other

income was primarily

attributable

to increases in other fees/commissions

of $0.3

million and

bank owned

life insurance income

of $0.2 million. The increase in bank

card fees reflected

higher card volume.

Noninterest expense

for the third quarter

of 2026

totaled $42.

million, a $0.3 million, or 0.8%, decrease from

the second

quarter of

2026 and

a $0.6

million, or 1.4%, decrease from

the third quarter

of 2025. The

decrease from

the second quarter

of 2026

was

primarily attributable

to decreases in compensation

expense of

$0.2 million (commission expense)

and other

expense of

$0.1

million. A $0.5 million

decrease in other real

estate expense that

was partially offset

by a $0.3

million increase in telephone expense

drove the variance

in other expense. The

decrease from

the third quarter

of 2025

was also driven by

the same

aforementioned

factors

For the first nine

months of 2026,

noninterest expense

totaled $126.3

million, a $2.2

million, or 1.7%, increase over the same

period

of 2025

and reflected

increases in other expense

of $3.0 million and

occupancy

expense of

$0.8 million partially offset

by a $1.6

million decrease

in compensation

expense. The increase

in other expense

was primarily due to a

$3.9 million increase in ORE

expense, reflecting lower

gains on property

sales compared

to the prior year period, which included

a significant gain from

the sale

of our operations

center building in the first quarter

of 2025. Lower charitable

contribution expense

of $0.6 million and

professional

fee expense

of $0.6 million partially offset

the increase. The

increase in occupancy

expense reflected

higher expense for FF&E

maintenance

agreements and

software licenses. The decrease

in compensation

expense reflected

lower salary expense

of $1.1

million and

associate

benefit expense

of $0.5

million. Lower commission expense drove

the decline in salary expense

and the

decrease in associate

benefit expense

was primarily attributable

to lower stock based

compensation.

Income Taxes

We realized income

tax expense

of $5.2

million (effective rate of

23.6%) for the third

quarter of

2026, compared

to $5.0 million

(effective rate

of 23.4%) for the

second quarter

of 2026

and $5.

million (effective rate of

24.4%) for the third

quarter of

2025. For

the first nine months

of 2026, we realized income

tax expense

of $15.0

million (effective rate of

23.5%) compared

to $15.3 million

(effective rate

of 24.2%) for the

same period of

2025.

Tax benefits

accrued from

a solar tax

credit investment

in 2026 drove the

decrease in our effective

tax rate

compared

to the prior year periods.

Absent discrete items or new tax

credit investments, we expect

our annual

effective tax

rate to approximate

23-24% for 2026.

Discussion of Financial

Condition

Earning Assets

Average

earning assets totaled

$4.038 billion for the third quarter

of 2026, a

decrease of

$30.6 million, or 0.8%,

from the second

quarter of

2026, and

an increase of

$2.4 million, or 0.1% over the fourth

quarter of

2025. Compared

to the second

quarter of

2026,

the change

in earning asset mix reflected

a $27.2

million decrease in overnight funds,

a $10.3 million decrease

in loans held for

investment, and

a $3.5 million decrease

in loans held for sale (“HFS”), partially

offset by

a $10.5

million increase in investment

securities. Compared

to the fourth quarter of 2025,

the change reflected

a $171.8 million increase

in investment securities

and a $2.7

million increase in

loans HFS, partially offset

by a $99.7

million decrease in overnight funds

and a

$72.5 million decrease

in loans

held for investment.

Average

loans HFI decreased

by $10.3 million, or 0.4% from

the second quarter

of 2026, and

decreased by

$72.5 million, or 2.8%

from the fourth

quarter of

2025. Compared

to the second

quarter of

2026, the decline was

primarily attributable

to decreases

commercial real estate

loans of $8.4

million, residential real estate loans

of $4.5 million, and

construction loans

of $3.7 million,

partially offset

by increases in consumer

loans (primarily indirect auto)

of $2.2 million,

home equity

loans of $2.0

million, and

commercial loans

of $1.5 million. Compared

to the fourth

quarter of

2025, the decline was

primarily attributable

to decreases in

residential real estate

loans of $35.2

million, commercial real estate

loans of $33.0

million, construction loans

of $7.8 million,

commercial loans

of $5.1 million, and

consumer loans

of $0.7 million, partially offset

by increases in home

equity loans of

$7.9

million.

Loans HFI at September

30, 2026, decreased

$10.1 million, or 0.4%

from June 30, 2026, and

decreased $56.4

million, or 2.2% from

December 31, 2025.

Compared

to June 30, 2026,

the decline was primarily attributable

to decreases in commercial

real estate loans

of $14.3 million, commercial

loans of $4.4

million, and other loans

of $2.3 million, partially offset

by increases in residential

real

estate loans

of $5.9 million, consumer

loans (primarily indirect auto)

of $3.2 million, home

equity loans of

$1.7 million, and

construction loans

of $0.2 million. Compared

to December 31, 2025,

the decline was primarily attributable

to decreases in

commercial real estate

loans of $32.4

million, residential real estate loans

of $16.9 million, commercial

loans of $12.2

million, and

other loans of $4.4

million, partially offset

by increases in home

equity loans of

$5.2 million, construction loans

of $2.4 million, and

consumer loans

(primarily indirect auto)

of $1.7 million.

Allowance for Credit Losses

At September

30, 2026, the

allowance for credit

losses for loans HFI totaled

$30.4 million compared

to $31.0 million at

June 30,

2026 and

$31.0 million at December

31, 2025. Activity within the allowance

is provided on page

10. The decline in the

allowance

reflected improved

credit quality metrics and

a lower level of net loan

charge-offs

8 basis points of

average loans

for the third

quarter of

2026 versus 14

basis points for the

second quarter

of 2026

and 18

basis points for the

third quarter of

2025. Net loan

charge-offs

for the nine months

ended September

30, 2026 were 11

basis points compared

to 12 basis points

for the same

period of

2025. At September

30, 2026, the

allowance represented

1.22% of loans

HFI compared

to 1.24% at

June 30, 2026,

and 1.22%

December 31, 2025.

Credit Quality

Nonperforming assets

(nonaccrual

loans and

other real estate)

totaled $9.7

million at September

30, 2026,

compared

to $13.4

million at June

30, 2026 and

$10.5 million at December

31, 2025. At September

30, 2026, nonperforming

assets as a

percentage of

total assets

was 0.22%, compared

to 0.30% at

June 30, 2026

and 0.24%

at December

31, 2025. Nonaccrual

loans totaled

$7.4

million at September

30, 2026, a

$2.7 million decrease from

June 30, 2026

and a

$1.2

million decrease from

December 31, 2025.

Other real estate totaled

$2.4 million at September

30, 2026, a

$1.1

million decrease from

June 30, 2026

and

$0.4 million increase

over December 31, 2025.

Further, classified loans

totaled $2

0.8 million at September

30, 2026, a

$9.0 million decrease from

June

30, 2026 and

a $6.5 million increase over

December 31, 2025.

Deposits

Average

total deposits

were $3.648 billion for the

third quarter of

2026, a decrease

of $31.2 million, or 0.9%, from

the second

quarter of 2026, and

comparable to the fourth

quarter of

2025. Compared

to the second

quarter of

2026, the decrease

was primarily

due to lower public

funds balances

of $63.8 million (primarily NOW accounts)

due to the seasonal

reduction in those balances,

partially offset

by higher core account

balances

of $32.6 million (primarily money

market and

noninterest bearing

checking).

At September 30, 2026,

total deposits

were $3.667 billion, a decrease

of $54.4 million, or 1.

5% from June 30, 2026,

and an

increase

of $4.3 million, or

0.1% over December 31,

2025. The decrease

from June 30,

2026, was driven by

lower public funds balances

$58.3 million (primarily

NOW accounts),

partially offset

by an increase

in core deposit balances

of $3.9 million (primarily

money

market

accounts).

The increase over December

31, 2025 reflected

core deposit growth of $155.8

million, partially offset

by lower

public funds

balances

of $151.5

million. Total public funds

balances

were $503.2 million at September

30, 2026, $561.5

million at

June 30, 2026,

and $654.7

million at December 31, 2025,

respectively.

Liquidity

The Bank maintained

an average

net overnight funds

(i.e., deposits with banks plus FED funds sold, less FED funds

purchased)

sold

position of $337.9

million in the third quarter

of 2026 compared

to $365.1 million in the second

quarter of

2026 and

$437.5 million

in the fourth

quarter of

2025. Compared

to the second

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.

We 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 September 30, 2026,

the weighted-

average maturity

and duration

of our portfolio were 2.98

years and

2.63 year

s, respectively, and

the available

-for-sale portfolio had

a net unrealized

after-tax

loss of $23.1

million,

or 2.7%

of book

value.

At September

30, 2026, we had

the ability to generate

approximately

$1.745 billion (excludes overnight

funds position

of $340

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

$573.9 million at

September 30, 2026

compared to $570.1

million at June 30, 2026,

and $552.9

million at

December 31, 2025. For

the first nine months

of 2026, shareowners’

equity was positively

impacted by

net income of

$49.0 million,

the issuance of

stock of $3.5

million, and stock compensation

accretion of

$1.5 million. Shareowners’ equity was

reduced by

common

stock dividends of

$13.9 million ($0.81 per share),

repurchases of

our common

stock of $2.6

million (63,088 shares), net

adjustments

totaling $2.5 million related to transactions

under our stock-based

compensation

plans, and

an unfavorable

net change

of $14.0 million in accumulated

other comprehensive

loss due to an unfavorable

fair value mark

on investment

securities driven by

higher bond rates.

At September

30, 2026, our total

risk-based capital

ratio was 22.99%,

compared

to 22.35% at

June 30, 2026,

and 21.45%

December 31, 2025.

Our common

equity tier 1 capital

ratio was 20.43%,

19.80%, and

18.56%, respectively,

on these dates.

Our

leverage ratio was

12.31%, 11.96%,

and 11.77%,

respectively, on these

dates. At September

30, 2026, all our regulatory

capita

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

11.25% at September

30, 2026, compared

to 11.03% at June 30, 2026,

and

10.79% at

December 31, 2025.

If our unrealized

held-to-maturity

securities loss of $16.0 million (after

-tax) was recognized in

accumulated

other comprehensive

loss, our adjusted

tangible capital

ratio would be 10.88%.

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

$4.4

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,”

“will,” “project,” “continue,”

“outlook,”

“approximate,”

“seasonal,”

“future” 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 of

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 in 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 customer

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 to 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 related

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

related 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 to 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 information

regarding

these and

other risks and uncertainties

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

at 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

We 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)

Sep 30, 2026

Jun 30, 2026

Mar 31, 2026

Dec 31, 2025

Sep 30, 2025

Shareowners' Equity (GAAP)

573,862

570,095

559,912

552,851

540,635

Less: Goodwill and Other Intangibles (GAAP)

89,095

Tangible Shareowners' Equity (non-GAAP)

484,767

481,000

470,817

463,756

451,540

Total Assets (GAAP)

4,396,752

4,450,483

4,453,734

4,385,765

4,323,774

Less: Goodwill and Other Intangibles (GAAP)

89,095

Tangible Assets (non-GAAP)

4,307,657

4,361,388

4,364,639

4,296,670

4,234,679

Tangible Common Equity Ratio (non-GAAP)

A/B

11.25%

11.03%

10.79%

10.66%

Actual Diluted Shares Outstanding (GAAP)

17,152,603

17,135,824

17,114,954

17,154,586

17,115,336

Tangible Book Value per Diluted Share (non-GAAP)

A/C

28.26

28.07

27.51

27.03

26.38

CAPITAL CITY

BANK GROUP,

INC.

EARNINGS HIGHLIGHTS

Unaudited

Three Months Ended

Nine Months Ended

(Dollars in thousands, except per share data)

Sep 30, 2026

Jun 30, 2026

Sep 30, 2025

Sep 30, 2026

Sep 30, 2025

EARNINGS

Net Income Attributable to Common Shareowners

16,940

16,277

15,950

49,034

47,852

Diluted Net Income Per Share

0.99

0.95

0.93

2.86

2.80

PERFORMANCE

Return on Average Assets (annualized)

1.53

1.48

1.47

1.49

1.47

Return on Average Equity (annualized)

11.67

11.38

11.67

11.45

12.12

Net Interest Margin

4.42

4.35

4.34

4.28

Noninterest Income as % of Operating Revenue

30.10

31.79

33.89

31.22

32.67

Efficiency Ratio

65.63

65.76

65.09

65.76

65.11

CAPITAL ADEQUACY

Tier 1 Capital

21.74

21.10

19.33

21.74

19.33

Total Capital

22.99

22.35

20.59

22.99

20.59

Leverage

12.31

11.96

11.64

12.31

11.64

Common Equity Tier 1

20.43

19.80

17.73

20.43

17.73

Tangible Common Equity

(1)

11.25

11.03

10.66

11.25

10.66

Equity to Assets

13.05

12.81

12.50

13.05

12.50

ASSET QUALITY

Allowance as % of Non-Performing Loans

412.92

309.72

368.54

412.92

368.54

Allowance as a % of Loans HFI

1.22

1.24

1.17

1.22

1.17

Net Charge-Offs as % of Average Loans HFI

0.08

0.14

0.18

0.11

0.12

Nonperforming Assets as % of Loans HFI and OREO

0.39

0.54

0.39

Nonperforming Assets as % of Total Assets

0.22

0.30

0.23

0.22

0.23

STOCK PERFORMANCE

High

53.60

51.04

44.69

53.60

44.69

Low

47.63

42.79

38.00

39.26

32.38

48.33

49.42

41.79

48.33

41.79

Average Daily Trading Volume

78,025

95,532

42,187

91,046

31,559

(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)

Third Quarter

Second Quarter

First Quarter

Fourth Quarter

Third Quarter

ASSETS

Cash and Due

From Banks

71,617

67,124

64,214

62,189

68,397

Funds Sold

and Interest

Bearing Deposits

340,015

412,609

424,756

467,782

397,502

Total Cash

and Cash Equivalents

411,632

479,733

488,970

529,971

465,899

Investment

Securities Available

for Sale

862,097

853,608

800,550

643,922

577,333

Investment

Securities Held

to Maturity

315,142

304,460

353,296

377,446

404,659

Other Equity

Securities

3,203

2,068

2,083

2,069

2,145

Total Investment

Securities

1,180,442

1,160,136

1,155,929

1,023,437

984,137

Loans Held for Sale ("HFS"):

23,455

34,278

25,088

21,695

24,204

Loans Held for Investment ("HFI"):

Commercial, Financial,

& Agricultural

168,144

172,536

170,268

180,341

179,018

Real Estate - Construction

149,335

149,127

156,630

146,920

156,756

Real Estate - Commercial

736,380

750,637

755,800

768,731

785,290

Real Estate - Residential

1,004,083

998,145

998,720

1,020,942

1,037,324

Real Estate - Home

Equity

246,120

244,462

243,932

240,897

234,111

Consumer

184,020

180,859

179,515

182,327

185,847

Other Loans

355

2,668

12,347

4,748

2,283

Overdrafts

1,287

1,437

1,192

1,212

1,378

Total Loans

Held for Investment

2,489,724

2,499,871

2,518,404

2,546,118

2,582,007

Allowance for

Credit Losses

(30,369)

(31,007)

(30,999)

(31,001)

(30,202)

Loans Held for Investment, Net

2,459,355

2,468,864

2,487,405

2,515,117

2,551,805

Premises and Equipment, Net

83,257

81,148

77,670

79,457

79,748

Goodwill and

Other Intangibles

89,095

Other Real Estate

Owned

2,353

3,424

1,822

1,936

1,831

Other Assets

147,163

133,805

127,755

125,057

127,055

Total Other

Assets

321,868

307,472

296,342

295,545

297,729

Total Assets

4,396,752

4,450,483

4,453,734

4,385,765

4,323,774

LIABILITIES

Deposits:

Noninterest

Bearing Deposits

1,331,669

1,344,694

1,299,933

1,251,886

1,303,786

NOW Accounts

1,248,073

1,282,360

1,309,527

1,322,114

1,222,861

Money Market Accounts

420,163

418,342

432,874

390,888

405,846

Savings Accounts

509,387

511,000

516,149

503,485

500,323

Certificates of Deposit

157,276

164,613

193,134

193,939

182,096

Total Deposits

3,666,568

3,721,009

3,751,617

3,662,312

3,614,912

Repurchase

Agreements

7,187

7,420

4,561

22,018

25,629

Other Short-Term

Borrowings

31,694

39,487

28,715

28,074

14,615

Subordinated

Notes Payable

33,303

42,582

Other Long-Term

Borrowings

567

680

Other Liabilities

83,571

78,602

74,946

77,248

84,721

Total Liabilities

3,822,890

3,880,388

3,893,822

3,832,914

3,783,139

SHAREOWNERS' EQUITY

Common Stock

171

Additional Paid-In

Capital

41,516

40,821

39,854

41,650

40,067

Retained Earnings

543,611

531,291

519,632

508,443

499,176

Accumulated Other Comprehensive (Loss) Income,

Net of Tax

(11,436)

(2,188)

255

2,587

1,221

Total Shareowners'

Equity

573,862

570,095

559,912

552,851

540,635

Total Liabilities

and Shareowners'

Equity

4,396,752

4,450,483

4,453,734

4,385,765

4,323,774

OTHER BALANCE SHEET DATA

Earning Assets

4,033,636

4,106,894

4,124,177

4,059,032

3,987,850

Interest Bearing

Liabilities

2,407,650

2,457,092

2,518,943

2,503,780

2,394,632

Book Value

Per Diluted Share

33.46

33.27

32.71

32.23

31.59

Tangible Book

Value Per

Diluted Share

(1)

28.26

28.07

27.51

27.03

26.38

Actual Basic Shares

Outstanding

17,113

17,111

17,098

17,084

17,069

Actual Diluted Shares

Outstanding

17,153

17,136

17,115

17,155

17,115

(1)

Tangible book

value per diluted

share 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

Nine Months Ended

September 30,

(Dollars in thousands, except per share data)

Third

Quarter

Second

Quarter

First

Quarter

Fourth

Quarter

Third

Quarter

2026

2025

INTEREST INCOME

Loans, including Fees

38,652

38,212

38,254

39,565

40,279

115,118

121,629

Investment Securities

10,640

10,260

9,055

7,768

7,188

29,955

19,674

Federal Funds Sold and Interest Bearing Deposits

3,194

3,366

3,711

4,382

3,964

10,271

11,369

Total Interest Income

52,486

51,838

51,020

51,715

51,431

155,344

152,672

INTEREST EXPENSE

Deposits

6,780

6,933

7,395

7,544

7,265

21,108

22,053

Repurchase Agreements

134

158

213

478

Other Short-Term Borrowings

316

349

327

217

992

354

Subordinated Notes Payable

293

288

398

451

383

979

1,473

Other Long-Term Borrowings

Total Interest Expense

7,476

7,640

8,203

8,355

7,874

23,319

24,384

Net Interest Income

45,010

44,198

42,817

43,360

43,557

132,025

128,288

Provision for Credit Losses

(80)

919

712

1,995

1,881

1,551

3,269

Net Interest Income after Provision for Credit Losses

45,090

43,279

42,105

41,365

41,676

130,474

125,019

NONINTEREST INCOME

Deposit Fees

5,168

5,656

5,598

5,811

5,877

16,422

16,258

Bank Card Fees

3,830

3,858

3,630

3,684

3,733

11,318

11,021

Wealth Management Fees

4,640

4,185

4,051

4,525

5,173

12,876

16,142

Mortgage Banking Revenues

3,673

4,660

4,252

4,155

4,794

12,585

12,804

Other

2,073

2,240

2,402

1,928

2,754

6,715

6,027

Total Noninterest Income

19,384

20,599

19,933

20,103

22,331

59,916

62,252

NONINTEREST EXPENSE

Compensation

25,620

25,836

25,703

28,384

26,056

77,159

78,794

Occupancy, Net

7,294

7,319

7,083

7,052

7,037

21,696

20,901

Other

9,381

9,485

8,587

7,431

9,823

27,453

24,460

Total Noninterest Expense

42,295

42,640

41,373

42,867

42,916

126,308

124,155

OPERATING PROFIT

22,179

21,238

20,665

18,601

21,091

64,082

63,116

Income Tax Expense

5,239

4,961

4,848

4,896

5,141

15,048

15,264

NET INCOME

16,940

16,277

15,817

13,705

15,950

49,034

47,852

PER COMMON SHARE

Basic Net Income

0.99

0.95

0.92

0.80

0.93

2.87

2.81

Diluted Net Income

0.99

0.95

0.92

0.80

0.93

2.86

2.80

Cash Dividend

0.27

0.26

0.81

0.74

AVERAGE SHARES

Basic

17,113

17,101

17,129

17,070

17,068

17,114

17,050

Diluted

17,152

17,126

17,146

17,140

17,114

17,141

17,083

CAPITAL CITY

BANK GROUP, INC.

ALLOWANCE FOR CREDIT

LOSSES ("ACL")

AND CREDIT QUALITY

Unaudited

2026

2025

Nine Months Ended

September 30,

(Dollars in thousands, except per share data)

Third

Quarter

Second

Quarter

First

Quarter

Fourth

Quarter

Third

Quarter

2026

2025

ACL - HELD FOR INVESTMENT LOANS

Balance at Beginning of Period

31,007

30,999

31,001

30,202

29,862

31,001

29,251

Provision for Credit Losses

(129)

904

635

1,984

1,550

1,410

3,351

Net Charge-Offs

509

896

637

1,185

1,210

2,042

2,400

Balance at End of Period

30,369

31,007

30,999

31,001

30,202

30,369

30,202

As a % of Loans HFI

1.22%

1.24%

1.23%

1.22%

1.17%

1.22%

1.17%

As a % of Nonperforming Loans

412.92%

309.72%

278.19%

360.69%

368.54%

412.92%

368.54%

ACL - UNFUNDED COMMITMENTS

Balance at Beginning of Period

2,197

2,189

2,107

2,095

1,738

2,107

2,155

Provision for Credit Losses

357

134

(60)

Balance at End of Period

(1)

2,241

2,197

2,189

2,107

2,095

2,241

2,095

ACL - DEBT SECURITIES

Provision for Credit Losses

(5)

(1)

(26)

(22)

CHARGE-OFFS

Commercial, Financial

and Agricultural

251

577

300

167

373

1,128

615

Real Estate - Construction

Real Estate - Commercial

Real Estate - Residential

Real Estate - Home

Equity

(7)

Consumer

825

613

852

925

954

2,290

2,733

Overdrafts

1,058

524

631

670

619

2,213

1,626

Total Charge-Offs

2,136

1,752

1,796

1,843

1,968

5,684

5,077

RECOVERIES

Commercial, Financial

and Agricultural

282

421

287

Real Estate - Construction

Real Estate - Commercial

Real Estate - Residential

163

267

197

Real Estate - Home

Equity

Consumer

401

468

579

246

369

1,448

1,306

Overdrafts

770

285

335

325

263

1,390

809

Total Recoveries

1,627

856

1,159

658

758

3,642

2,677

NET CHARGE-OFFS

509

896

637

1,185

1,210

2,042

2,400

Net Charge-Offs as a % of Average Loans HFI

(2)

0.08%

0.14%

0.10%

0.18%

0.11%

0.12%

CREDIT QUALITY

Nonaccruing Loans

7,355

10,011

11,143

8,595

8,195

Other Real Estate Owned

2,353

3,424

1,822

1,936

1,831

Total Nonperforming Assets ("NPAs")

9,708

13,435

12,965

10,531

10,026

Past Due Loans 30-89 Days

4,187

2,680

6,643

7,017

5,468

Classified Loans

Commercial, Financial

and Agricultural

407

1,479

1,660

1,650

1,514

Real Estate - Construction

1,013

379

718

Real Estate - Commercial

13,783

21,638

6,374

5,897

11,745

Real Estate - Residential

3,693

3,825

3,497

3,601

8,348

Real Estate - Home

Equity

1,101

1,461

2,003

1,957

3,043

Consumer

820

1,020

1,011

1,229

1,144

Total Classified Loans

20,817

29,802

14,545

14,334

26,512

Nonperforming Loans as a % of Loans HFI

0.30%

0.40%

0.44%

0.34%

0.32%

NPAs as a % of Loans HFI and Other Real Estate

0.39%

0.54%

0.51%

0.41%

0.39%

NPAs as a % of Total Assets

0.22%

0.30%

0.29%

0.24%

0.23%

(1)

Recorded in other liabilities.

(2)

Annualized.

CAPITAL CITY

BANK GROUP, INC.

AVERAGE BALANCE

AND INTEREST RATES

Unaudited

Third Quarter 2026

Second Quarter 2026

First Quarter 2026

Fourth Quarter 2025

Third Quarter 2025

September 2026 YTD

September 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

26,993

420

6.17

30,505

500

6.57

24,716

404

6.63

24,261

374

6.11

25,276

425

6.68

27,413

1,324

6.46

24,226

1,390

7.67

Loans Held for Investment

(1)

2,495,535

38,277

6.09

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

2,513,086

113,914

6.06

2,641,346

120,359

6.09

Investment Securities

Taxable Investment Securities

1,176,534

10,629

3.60

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

1,153,550

29,920

3.46

993,460

19,644

2.64

Tax-Exempt Investment Securities

(1)

1,349

4.39

1,356

4.41

1,620

4.25

1,620

4.30

1,620

4.44

1,441

4.35

1,313

4.43

Total Investment Securities

1,177,883

10,644

3.60

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

1,154,991

29,967

3.46

994,773

19,687

2.64

Federal Funds Sold and Interest

Bearing Deposits

337,862

3,194

3.75

365,126

3,366

3.70

407,679

3,711

3.69

437,536

4,382

3.97

356,161

3,964

4.42

369,967

10,271

3.71

342,094

11,369

4.44

Total Earning Assets

4,038,273

52,535

5.15

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

4,065,457

155,476

5.11

4,002,439

152,805

5.10

Cash and Due From Banks

70,540

64,337

63,079

67,291

65,085

66,013

68,074

Allowance for Credit Losses

(31,607)

(31,602)

(31,545)

(30,922)

(30,342)

(31,585)

(30,282)

Other Assets

309,290

305,809

297,532

294,757

301,678

304,254

300,788

Total Assets

4,386,496

4,407,371

4,418,904

4,367,036

4,317,951

4,404,139

4,341,019

LIABILITIES:

Noninterest

Bearing Deposits

1,316,425

1,308,276

1,282,988

1,303,266

1,314,560

1,302,686

1,324,753

NOW Accounts

1,224,587

3,804

1.23

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

1,263,412

11,963

1.27

1,224,402

11,386

1.24

Money Market Accounts

433,430

1,964

1.80

419,983

1,857

1.77

403,340

1,752

1.76

415,577

1,977

1.89

416,656

2,090

1.99

419,028

5,573

1.78

422,817

6,617

2.09

Savings Accounts

511,313

102

0.08

513,815

100

0.08

509,351

132

0.10

501,080

157

0.12

503,189

159

0.13

511,500

334

0.09

506,255

509

0.13

Time Deposits

161,771

910

2.23

173,086

1,038

2.41

192,443

1,290

2.72

191,626

1,355

2.80

179,802

1,234

2.72

175,655

3,238

2.46

174,418

3,541

2.71

Total Interest

Bearing Deposits

2,331,101

6,780

1.15

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

2,369,595

21,108

1.19

2,327,892

22,053

1.27

Total Deposits

3,647,526

6,780

0.74

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

3,672,281

21,108

0.77

3,652,645

22,053

0.81

Repurchase Agreements

14,160

2.20

10,917

2.24

15,789

1.88

20,690

134

2.57

21,966

158

2.86

13,616

213

2.09

24,752

478

2.58

Other Short-Term

Borrowings

31,532

316

3.98

33,545

349

4.17

27,836

327

4.76

20,954

217

4.09

12,753

1.82

30,984

992

4.28

10,251

354

4.62

Subordinated Notes Payable

33,303

293

3.45

33,303

288

3.42

41,620

398

3.83

42,582

451

4.15

42,582

383

3.52

36,045

979

3.58

49,113

1,473

3.95

Other Long-Term

Borrowings

567

5.55

660

5.78

680

5.68

680

5.55

681

5.55

635

5.68

755

4.50

Total Interest

Bearing Liabilities

2,410,663

7,476

1.23

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

2,450,875

23,319

1.27

2,412,763

24,384

1.35

Other Liabilities

83,642

76,331

74,300

78,520

85,422

78,126

75,664

Total Liabilities

3,810,730

3,833,532

3,851,241

3,810,936

3,775,735

3,831,687

3,813,180

SHAREOWNERS'

EQUITY:

575,766

573,839

567,663

556,100

542,216

572,452

527,839

Total Liabilities, Temporary Equity

and Shareowners' Equity

4,386,496

4,407,371

4,418,904

4,367,036

4,317,951

4,404,139

4,341,019

Interest Rate Spread

45,059

3.92

44,241

3.86

42,857

3.72

43,404

3.72

43,602

3.81

132,157

3.83

128,421

3.75

Interest Income and Rate Earned

(1)

52,535

5.15

51,881

5.11

51,060

5.06

51,759

5.08

51,476

5.12

155,476

5.11

152,805

5.10

Interest Expense and Rate Paid

(2)

7,476

0.73

7,640

0.75

8,203

0.81

8,355

0.82

7,874

0.78

23,319

0.77

24,384

0.81

Net Interest Margin

45,059

4.42

44,241

4.35

42,857

4.24

43,404

4.26

43,602

4.34

132,157

4.34

128,421

4.28

(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.

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 7

v3.26.3

Cover

Oct. 20, 2026

Document And Entity Information [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Oct. 20, 2026

Entity File Number

0-13358

Entity Registrant Name

CAPITAL CITY BANK GROUP, INC.

Entity Central Index Key

0000726601

Entity Tax Identification Number

59-2273542

Entity Incorporation, State or Country Code

Entity Address, Address Line One

217 North Monroe Street,

Entity Address, City or Town

Tallahassee

Entity Address, State or Province

Entity Address, Postal Zip Code

32301

City Area Code

850

Local Phone Number

402-7821

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, Par value $0.01

Trading Symbol

CCBG

Security Exchange Name

NASDAQ

Entity Emerging Growth Company

false

- References

No definition available.

+ Details

Name:

ccbg_DocumentAndEntityInformationAbstract

Namespace Prefix:

ccbg_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

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 pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

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 pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

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

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

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 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