The sequential improvement in NIM and credit quality suggests the rate environment is benefiting CCBG's net interest income trajectory. Monitor Q4 2026 for continued margin expansion and whether loan growth resumes after three quarters of contraction.
Price Chart
Executive Summary
Capital City Bank Group reported Q3 2026 EPS of $0.99, a 5.9% beat vs consensus of $0.94, driven by net interest margin expansion to 4.42% and improved credit quality with nonperforming assets falling to $9.7M from $13.4M. Revenue was not explicitly stated as a single line; net interest income plus noninterest income totaled $64.4M, above the $65.0M consensus estimate. The sequential and YoY earnings growth, margin expansion, and credit improvement are modestly positive for this regional bank.
Key Financial Metrics
Key Facts
- Diluted EPS of $0.99 vs consensus $0.94 (5.9% beat) and vs $0.93 in Q3 2025 (6.5% YoY growth)
- Net interest margin expanded 7 bps QoQ to 4.42% and 8 bps YoY
- Nonperforming assets decreased to $9.7M (0.22% of total assets) from $13.4M in Q2 2026
- Provision for credit losses was a benefit of $0.1M vs expense of $0.9M in Q2 2026
- Net charge-offs improved to 8 bps of average loans from 14 bps in Q2 2026
- Tangible book value per share increased to $28.26 from $28.07 in Q2 2026
- Total risk-based capital ratio improved to 22.99% from 22.35% in Q2 2026
Financial Impact
EPS beat of ~$0.05 per share vs consensus; net interest margin up 7 bps; credit costs declining
Risk Factors
- Loan balances continue to decline (down 0.4% QoQ and 2.2% YoY from Dec 2025)
- Noninterest income fell 5.9% QoQ and 13.2% YoY, driven by lower mortgage banking and deposit fees
- Unrealized AFS securities loss widened to $23.1M (after-tax) from $14.0M in Q2 2026 due to higher rates
- Deposit fees expected to be reduced by processing changes beginning Q3 2026
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000726601-26-000027 |
| Document: ccbg-20261020.htm | 0000726601-26-000027 |
| Document: 0000726601-26-000027-index-headers.html | 0000726601-26-000027 |
| Document: 0000726601-26-000027-index.html | 0000726601-26-000027 |
| Document: 0000726601-26-000027.txt | 0000726601-26-000027 |
| 8-K Data (Synthetic) | 0000726601-26-000027 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 7d ago | 8-K | $49.41 $51.22 | ▲ +3.66% | ▲ +3.58% | $50.90 (+3.02%) |
Sep 22, 2026 5w ago | Institutional Cluster | $49.73 $48.84 | ▼ −1.79% | ▼ −0.60% | $50.90 (+2.35%) |
Jul 27, 2026 13w ago | 8-K | $52.07 $51.87 | ▼ −0.38% | ▼ −1.46% | $50.90 (−2.25%) |
Jul 21, 2026 14w ago | 8-K | $51.83 $52.07 | ▲ +0.46% | ▲ +1.69% | $50.90 (−1.79%) |
Jul 21, 2026 14w ago | Press Release | $51.83 $52.07 | ▲ +0.46% | ▲ +1.69% | $50.90 (−1.79%) |
Jun 11, 2026 19w ago | Institutional Cluster | $47.12 $47.48 | ▲ +0.76% | ▲ +0.09% | $50.90 (+8.02%) |
May 20, 2026 22w ago | Press Release | $46.40 $45.37 | ▼ −2.23% | ▼ −4.08% | $50.90 (+9.69%) |
May 15, 2026 23w ago | 8-K | $45.46 $46.41 | ▲ +2.09% | ▲ +1.13% | $50.90 (+11.97%) |
Apr 20, 2026 27w ago | 8-K | $46.90 $46.57 | ▼ −0.70% | ▼ −1.62% | $50.90 (+8.53%) |
Apr 20, 2026 27w ago | Press Release | $46.90 $46.57 | ▼ −0.70% | ▼ −1.62% | $50.90 (+8.53%) |
US Market Status
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