Capital City Bank Group(US:CCBG) Globenewswire·2026-01-27 12:00Core Insights - Capital City Bank Group, Inc. reported a net income of $13.7 million for Q4 2025, a decrease from $16.0 million in Q3 2025 but an increase from $13.1 million in Q4 2024 [1] - For the full year 2025, net income reached $61.6 million, up from $52.9 million in 2024, reflecting strong financial performance [2] Income Statement - Tax-equivalent net interest income for Q4 2025 was $43.4 million, slightly down from $43.6 million in Q3 2025 but up from $41.2 million in Q4 2024 [4] - Noninterest income for Q4 2025 totaled $20.1 million, a decrease of 10.0% from $22.3 million in Q3 2025, primarily due to lower other income and mortgage revenues [8][9] - Noninterest expense for Q4 2025 was $42.9 million, comparable to Q3 2025, reflecting higher performance-based pay offset by a pension plan settlement gain [11] Balance Sheet - Average earning assets increased to $4.036 billion in Q4 2025, up 1.4% from Q3 2025 and 2.9% from Q4 2024 [14] - Total deposits at December 31, 2025, were $3.662 billion, an increase of 1.3% from September 30, 2025, but a slight decrease from December 31, 2024 [20] Credit Quality - The allowance for credit losses for loans held for investment (HFI) was $31.0 million at December 31, 2025, up from $30.2 million at September 30, 2025 [17] - Nonperforming assets totaled $10.6 million at December 31, 2025, compared to $10.0 million at September 30, 2025, indicating a slight deterioration in asset quality [18] Capital Adequacy - Shareowners' equity increased to $552.9 million at December 31, 2025, compared to $540.6 million at September 30, 2025, driven by net income and a decrease in accumulated other comprehensive loss [24] - The total risk-based capital ratio was 21.45% at December 31, 2025, up from 20.59% at September 30, 2025, indicating strong capital position [25]