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]