Core Insights - Capital City Bank has been recognized as one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking 37 nationwide and 8 among banks with assets between $3 billion and $10 billion, showing significant improvement from its previous year's rankings of 56 and 15 respectively [1] Company Overview - Capital City Bank Group, Inc. is a publicly traded financial holding company based in Florida with approximately $4.3 billion in assets, offering a full range of banking services including traditional deposit and credit services, mortgage banking, asset management, and securities brokerage [5] Employee Engagement and Culture - The recognition reflects the commitment of the bank's associates, emphasizing a workplace culture that values, supports, and inspires personal and professional growth [2] - The bank provides a comprehensive benefits package, including insurance, a stock purchase plan, 401(k), paid time off, and tuition assistance, alongside continuous learning programs to encourage skill development [2] Initiatives for Associate Support - Capital City Bank launched initiatives such as The Spotlight and Navigator to enhance associate engagement and support, focusing on both work-related and personal needs [3][6] Evaluation Process for Rankings - The "Best Banks to Work For" rankings are determined through a two-step evaluation process, with 25% based on workplace policies and practices, and 75% based on associate surveys assessing individual experiences and attitudes [3][4]

Core Insights - Capital City Bank has appointed Alicia Williams-Ronan as the new chief retail officer, succeeding Randy Lashua who will retire on December 31 after 20 years of service [1][2] - Williams-Ronan will oversee strategy and management for retail sales, service, and operations, leading 350 associates across 63 banking offices in Florida, Georgia, and Alabama [1][6] Company Overview - Capital City Bank Group, Inc. is one of the largest publicly traded financial holding companies in Florida, with approximately $4.3 billion in assets [5] - The bank provides a full range of banking services, including traditional deposit and credit services, mortgage banking, asset management, and financial advisory services [5] Leadership Background - Alicia Williams-Ronan has been with Capital City Bank since 2005, advancing through various roles in client service, technology, and senior operations leadership [2][3] - Prior to her new role, she served as the Bank Operations Group manager for over five years, focusing on optimizing workflows and enhancing client satisfaction [3][4] Community Engagement - Williams-Ronan is dedicated to community service and has been a long-time supporter of the United Way of the Big Bend [4]

Core Insights - Capital City Bank Group, Inc. reported a net income of $15.0 million for Q2 2025, a decrease from $16.9 million in Q1 2025 but an increase from $14.2 million in Q2 2024 [1][32] - The company experienced a 3.9% increase in net interest income and an 8 basis point expansion in net interest margin to 4.30% [2][5] - Tangible book value per share increased by 3.2% to $25.37 [10][32] Income Statement - Tax-equivalent net interest income for Q2 2025 was $43.2 million, up from $41.6 million in Q1 2025 and $39.3 million in Q2 2024 [3][10] - Noninterest income for Q2 2025 totaled $20.0 million, a slight increase from $19.9 million in Q1 2025 and $19.6 million in Q2 2024 [7][10] - Noninterest expense increased to $42.5 million in Q2 2025 from $38.7 million in Q1 2025 and $40.4 million in Q2 2024 [9][10] Balance Sheet - Average earning assets rose to $4.032 billion in Q2 2025, an increase of $38.1 million from Q1 2025 [14] - Total deposits were $3.705 billion at June 30, 2025, a decrease of $79.0 million from March 31, 2025, but an increase of $32.9 million from December 31, 2024 [20] - The allowance for credit losses for loans held for investment (HFI) was $29.9 million at June 30, 2025, slightly up from $29.7 million at March 31, 2025 [17] Credit Quality - Nonperforming assets totaled $6.6 million at June 30, 2025, compared to $4.4 million at March 31, 2025 [18] - The allowance represented 1.13% of loans HFI at June 30, 2025, compared to 1.12% at March 31, 2025 [17][32] Capital Adequacy - The total risk-based capital ratio was 19.60% at June 30, 2025, up from 19.20% at March 31, 2025 [25] - The tangible common equity ratio was 10.09% at June 30, 2025, compared to 9.61% at March 31, 2025 [25][32] Liquidity - The average net overnight funds sold position was $348.8 million in Q2 2025, an increase from $320.9 million in Q1 2025 [21] - The company had the ability to generate approximately $1.603 billion in additional liquidity through various sources as of June 30, 2025 [22]