Capital City Bank Group reports record FY net income of $61.6M
Tallahassee, Florida-based Capital City Bank Group (NASDAQ:CCBG) 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 from $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%.
Meanwhile, loans declined approximately 4% year-over-year, while average deposits grew about 1.5%.
The allowance for credit losses represented 1.22% of loans, and the provision for credit losses was $5.3 million for the full year.
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