Capital City Bank reports Q1 EPS 99c, consensus 74c

The net interest margin for the first quarter of 2025 was 4.22%. At March 31, 2025, our total risk-based capital ratio was 19.20% compared to 18.64% at December 31, 2024 and 16.84% at March 31, 2024. Common equity tier 1 capital ratio was 16.08%, 15.54%, and 13.82%, respectively, on these dates. “I am pleased with our first quarter performance, which reflects strong core fundamentals and strategic execution driven by a 2.6% increase in revenues, solid growth in deposit balances, and improvement in credit quality metrics,” said William Smith, Jr., Capital City Bank (CCBG) Group Chairman, President, and CEO. “First quarter earnings also included a $0.17 per diluted share gain from the sale of our operations center building. Our strong balance sheet and revenue diversification provides us with the flexibility to navigate ongoing uncertainty in market and economic conditions.”