5
At September
30, 2026, our total
risk-based capital
ratio was 22.99%,
compared
to 22.35% at
June 30, 2026,
and 21.45%
at
December 31, 2025.
Our common
equity tier 1 capital
ratio was 20.43%,
19.80%, and
18.56%, respectively,
on these dates.
Our
leverage ratio was
12.31%, 11.96%,
and 11.77%,
respectively, on these
dates. At September
30, 2026, all our regulatory
capita
l
ratios exceeded
the thresholds to
be designated as
“well-capitalized” under
the Basel III
capital standards.
Further, our tangible
common equity ratio (non-GAAP
financial measure) was
11.25% at September
30, 2026, compared
to 11.03% at June 30, 2026,
and
10.79% at
December 31, 2025.
If our unrealized
held-to-maturity
securities loss of $16.0 million (after
-tax) was recognized in
accumulated
other comprehensive
loss, our adjusted
tangible capital
ratio would be 10.88%.
About Capital City Bank
Group, Inc.
Capital City Bank
Group, Inc. (NASDAQ: CCBG) is
one of the
largest publicly traded
financial holding companies
headquartered
in Florida and
has approximately
$4.4
billion in assets.
We provide a
full range of banking
services, including traditional deposit
and credit services,
mortgage banking,
asset management,
trust, merchant
services, bankcards,
and securities brokerage
services.
Our bank
subsidiary, Capital
City Bank, was
founded
in 1895 and
has 62 banking
offices and
107 ATMs/ITMs
in Florida, Georgia
and Alabama.
For more information
about
Capital City Bank
Group, Inc., visit https://www.ccbg.com/
.
FORWARD-LOOKING
STATEMENTS
Forward-looking statements
in this press release are based
on current plans
and expectations
that are
subject to uncertainties
and
risks, which could
cause our future
results to differ materially.
The words “may,”
“could,” “should,” “would,”
“believe,”
“anticipate,”
“estimate,” “expect,”
“intend,” “plan,”
“target,” “vision,” “goal,”
“will,” “project,” “continue,”
“outlook,”
“approximate,”
“seasonal,”
“future” and
similar expressions are intended
to identify forward
-looking statements.
The following
factors, among
others, could cause
our actual
results to differ: the
effects of
and changes
in trade and
monetary
and fiscal policies
and laws, including the
interest rate policies
of the Federal Reserve
Board; inflation, interest
rate, market and
monetary
fluctuations;
local, regional, national,
and international
economic conditions
and the
impact they
may have
on us and
our clients and our
assessment
of that
impact;
supply-demand
imbalances
and general economic
conditions affecting
local real estate
prices and a
general deterioration
in commercial real estate
market fundamentals;
the costs and
effects of
legal and regulatory
developments,
the
outcomes
of legal proceedings or regulatory
or other governmental
inquiries, the results of regulatory
examinations
or reviews and
the ability to obtain
required regulatory approvals;
the effect
of changes
in laws and regulations (including laws and
regulations
concerning taxes,
banking, securities, and
insurance) and
their application
with which we and our subsidiaries must
comply; the
effect of
changes in accounting
policies and practices, as
may be
adopted
by the regulatory
agencies, as well as other accounting
standard
setters; the accuracy
of our financial
statement
estimates and
assumptions;
changes in the financial
performance
and/or
condition of our
borrowers; changes in the
mix of loan
geographies, sectors and
types or the level of non
-performing assets and
charge-offs;
changes in estimates
of future credit
loss reserve requirements based
upon the periodic
review thereof under relevant
regulatory and
accounting
requirements; changes
in our liquidity position; the timely
development
and acceptance
of new products
and services and
perceived overall value
of these products
and services by users;
changes in consumer
spending, borrowing, and
saving habits;
greater than
expected costs
or difficulties related to the
integration of new products
and lines of business;
increased
competition and
its effect on
deposit fees; technological
changes, including the impact
of generative artificial
intelligence; the costs
and effects
of cyber incidents or other
failures, interruptions, or security breaches
of our systems
or those of our customer
s
or third-
party providers;
dispositions; acquisitions and
integration of acquired
businesses; impairment
of our goodwill or other intangible
assets; changes
in the reliability of our
vendors, internal control
systems, or information
systems; our ability to increase
market share
and control
expenses; our
ability to attract
and retain
qualified employees;
changes in our organization,
compensation,
and benefit
plans; the soundness
of other financial
institutions; volatility and
disruption in national
and international
financial and
commodity
markets;
changes in the competitive
environment
in our markets and
among banking
organizations
and other
financial service
providers; action
or inaction by the
federal government,
including tariffs or trade
wars (including potential resulting reduced
consumer spending,
lower economic
growth or recession, reduced
demand
for U.S. exports, disruptions to supply
chains, and
decreased demand
for other banking
products and
services), government intervention
in the U.S. financial system;
policies related to
credit card interest
rates, and
legislative, regulatory or supervisory
actions related
to so-called “de
-banking,” including any
new
prohibitions, requirements
or enforcement
priorities that could affect
customer relationships,
compliance
obligations, or operational
practices; the
effects of
natural disasters
(including hurricanes), widespread health
emergencies (including pandemics),
military
conflict (including impacts
related to the
conflicts
in the Middle East and
resulting disruptions to energy and
other commodities
markets and
supply chains), terrorism, civil unrest, climate
change or other
geopolitical events; our
ability to declare and
pay
dividends; structural
changes in the markets
for origination, sale and
servicing of residential mortgages; any
inability to implement
and maintain
effective internal
control over financial
reporting and/or disclosure
control; negative
publicity and the
impact
on our
reputation;
and the
limited trading activity and
concentration
of ownership of our
common
stock.
Additional information
regarding
these and
other risks and uncertainties
can be found
in our Annual Report
on Form 10-K for the fiscal
year ended
December 31,
2025 and
our other filings with the SEC, which
are available
at the SEC’s internet
site (https://www.sec.gov).
Forward-looking
statements
in this Press Release speak only
as of the
date of
the Press Release, and
we assume no
obligation to update
forward-
looking statements
or the reasons why
actual
results could differ, except
as may
be required by law.