Capital City Bank Group, Inc. Earnings Summary — Q1 FY2026

• CCBG maintained 17,101,409 common shares outstanding as of April 27, 2026, indicating stable capital structure.
• The institution demonstrates a highly conservative balance sheet with long-term debt effectively eliminated as of the prior fiscal year-end.
• Net income trajectory shows a significant multi-year acceleration, rising from $33M levels to over $61M in the most recent full fiscal year.
• The bank has successfully scaled its asset base to approximately $4.39 billion while maintaining a disciplined community banking focus.
• Strategic shift toward mortgage servicing and bank-tech ventures (Banktech Ventures, L.P.) indicates modernization of fee-based income streams.
• Credit quality remains focused on real-estate secured lending, which forms the core of the bank's loan portfolio collateral.

Management maintains a 'slow and steady' growth strategy, explicitly avoiding over-expansion to preserve capital and equity quality. The focus remains on conservative underwriting and navigating rate environments by optimizing the loan-to-deposit mix.

Stable

The bank continues its trend as a high-quality compounder, moving from a low-double-digit net income business to a high-earning institution with zero long-term debt.

The outlook remains constructive as the bank leverages its robust capital position and zero-debt profile to navigate potential regional economic shifts. Management is expected to focus on internal capital generation and maintaining a high-quality earnings profile without relying on one-time boosts.