Capital City Bank Group (NASDAQ:CCBG), the holding company for Capital City Bank, reported strong financial results for the fourth quarter and full year ended December 31, 2025.
Net income attributable to common shareowners was $13.7 million for the fourth quarter, or $0.80 per diluted share.
For the full year, net income reached $61.6 million, or $3.60 per diluted share, representing a 16% increase compared with $52.9 million in 2024.
Tax-equivalent net interest income totaled $43.4 million in the fourth quarter and $171.8 million for the full year, with the net interest margin expanding to 4.28% for 2025, up 20 basis points year-over-year.
Tangible book value per share increased 14.3% during the year, and the company raised its dividend by 13.6%.
While loans declined approximately 4% year-over-year, average deposits grew about 1.5%.
During the period under review, the bank's allowance for credit losses represented 1.22% of loans, and the provision for credit losses was $5.3 million for the full year.