Today is the 28.02.2026, and we’re diving into the latest financial insights from Capital City Bank Group Inc. (CCBG), a key player in community-based banking. Recently, they released their 2025 Form 10-K report, showcasing a solid year of growth and strategic initiatives. With a primary focus on Florida, Georgia, and Alabama, this financial holding company is making significant strides in the banking landscape.
For those who may not be familiar, Capital City Bank Group has been a staple since 1895, offering a comprehensive range of banking services, including traditional deposit and loan services, mortgage banking, wealth management, and trust services. As of 2025, the company boasts approximately $4.4 billion in assets, highlighting its robust presence in the region. You can read more about their latest financial performance in detail here.
Financial Highlights
CCBG’s 2025 report reveals some impressive financial metrics. The Net Interest Income (FTE) surged to $171.8 million, marking a 7.9% increase from 2024, while the Net Income Attributable to Common Shareowners climbed to $61.6 million, up from $52.9 million the previous year. The diluted net income per share also saw a notable rise to $3.60 from $3.12 in 2024. Moreover, noninterest income reached $82.4 million, reflecting an 8.4% increase.
On the expense side, noninterest expenses grew modestly by 1.0% to $167.0 million, and the income tax expense rose to $20.2 million, with an effective rate of 24.7%. Most of CCBG’s revenue comes from banking services, which accounted for 92.8% of total revenue, while wealth management services contributed the remaining 7.2%. Florida remains the powerhouse, providing about 81% of total revenue.
Strategic Expansion and Market Presence
Capital City Bank operates 62 banking offices and 108 ATMs or ITMs across 21 counties in Florida, six in Georgia, and one in Alabama. They have recently expanded into the Northern Arc of Atlanta with new offices in Marietta and Duluth, and opened additional locations in Watersound, Lynn Haven, and West Bay, Florida. This focus on expansion is part of their strategy to strengthen market presence in high-growth areas.
Moreover, the company is gearing up to enhance client relationships through strategic initiatives and technology investments. They recently completed the acquisition of the remaining 49% interest in Capital City Home Loans, LLC, further solidifying their position in the mortgage banking sector.
Challenges and Future Outlook
While CCBG shows a positive outlook, they face challenges typical of the banking industry. Profitability remains heavily reliant on net interest income, which is susceptible to fluctuations in interest rates. Furthermore, they must navigate risks associated with entering new markets and managing competition effectively. Economic conditions, including interest rates and credit quality, also play a crucial role in their financial performance.
As the banking industry continues to evolve, CCBG is aware that digital transformation is no longer optional. The demand for innovative financial solutions, especially among younger customers, is rising. The company aims to keep up with these changes while providing exceptional client experiences. The landscape of banking has shifted significantly since the 2008 financial crisis, necessitating adaptability and resilience in the face of ongoing economic shifts and regulatory changes.
For a deeper dive into their financial and operational strategies, you can find more details in their SEC filings here. As CCBG charts its course into the future, one thing is clear: they are committed to serving their communities and navigating the complexities of modern banking with confidence.