CCBG Q3 2025 TL;DR Summary
Capital City Bank Group (CCBG) reported strong profitability in Q3 2025, driven by higher investment yields and lower deposit costs improving the Net Interest Margin (NIM) to 4.34% (+22 bps YoY). Nine-month (9M) Net Income reached $47.85 million, leading to Diluted EPS of $2.80. The Efficiency Ratio improved to 65.09%. Total cash and equivalents increased to $465.9 million, supported by a 45% jump in Net Cash from Operations year-to-date. CCBG remains well-capitalized with a Tangible Common Equity Ratio of 10.66%.
Balance Sheet & Portfolio Shifts: Total
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