The EPS beat and NIM expansion may drive a modest positive reaction, but the spike in classified loans ($29.8M) and management's caution on deposit fee reductions suggest headwinds ahead. Monitor Q3 2026 for credit migration and fee income trajectory.
Price Chart
Executive Summary
CCBG reported Q2 2026 EPS of $0.95, a 5.6% beat vs $0.90 consensus, with net interest margin expanding 11 bps to 4.35%. Revenue of $64.8M was essentially in line. However, classified loans more than doubled to $29.8M and upcoming deposit fee modifications will pressure noninterest income starting Q3, tempering the positive earnings surprise.
Key Financial Metrics
Key Facts
- EPS $0.95 vs consensus $0.90 (beat 5.6%)
- Revenue $64.8M vs consensus $64.3M (in-line)
- Net interest margin expanded 11 bps to 4.35%
- Classified loans surged to $29.8M from $14.5M
- Deposit fee modifications expected to reduce fee income starting Q3 2026
Financial Impact
EPS beat of ~5.6% with NIM expansion driving core earnings improvement, offset by credit quality deterioration and announced fee headwinds.
Risk Factors
- Classified loans more than doubled, indicating credit deterioration
- Deposit fee modifications likely to reduce noninterest income from Q3
- Continued loan shrinkage pressures net interest income growth
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000726601-26-000020 |
| Document: ccbg-20260721.htm | 0000726601-26-000020 |
| Document: 0000726601-26-000020-index-headers.html | 0000726601-26-000020 |
| Document: 0000726601-26-000020-index.html | 0000726601-26-000020 |
| Document: 0000726601-26-000020.txt | 0000726601-26-000020 |
| 8-K Data (Synthetic) | 0000726601-26-000020 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | 8-K | $49.41 $49.54 | ▲ +0.26% | ▼ −0.26% | $50.90 (+3.02%) |
Sep 22, 2026 4w ago | Institutional Cluster | $49.73 $48.75 | ▼ −1.97% | ▼ −1.25% | $50.90 (+2.35%) |
Jul 27, 2026 13w ago | 8-K | $52.07 $52.84 | ▲ +1.48% | ▲ +1.24% | $50.90 (−2.25%) |
Jul 21, 2026 13w ago | 8-K | $51.83 $50.93 | ▼ −1.74% | ▼ −1.62% | $50.90 (−1.79%) |
Jul 21, 2026 13w ago | Press Release | $51.83 $50.93 | ▼ −1.74% | ▼ −1.62% | $50.90 (−1.79%) |
Jun 11, 2026 19w ago | Institutional Cluster | $47.12 $46.27 | ▼ −1.80% | ▼ −3.57% | $50.90 (+8.02%) |
May 20, 2026 22w ago | Press Release | $46.40 $46.14 | ▼ −0.58% | ▼ −1.02% | $50.90 (+9.69%) |
May 15, 2026 23w ago | 8-K | $45.46 $45.96 | ▲ +1.10% | ▲ +1.16% | $50.90 (+11.97%) |
Apr 20, 2026 27w ago | 8-K | $46.90 $46.24 | ▼ −1.41% | ▼ −0.75% | $50.90 (+8.53%) |
Apr 20, 2026 27w ago | Press Release | $46.90 $46.24 | ▼ −1.41% | ▼ −0.75% | $50.90 (+8.53%) |
US Market Status
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