Capital City Bank Group, Inc. Annual report [Section 13 and 15(d), not S-K Item 405]

Annual report [Section 13 and 15(d), not S-K Item 405]

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
REGULATORY MATTERS	Dec. 31, 2025
Regulatory matters [Abstract]
REGULATORY MATTERS	Note 17 REGULATORY MATTERS Regulatory Capital Requirements . The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action , the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. A detailed description of these regulatory capital requirements is provided in the section captioned “Regulatory Considerations – Capital Regulations” section on page 14. Management believes, at December 31, 2025 and 2024, that the Company and the Bank meet all capital adequacy requirements to which they are subject. At December 31, 2025, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum common equity Tier 1, total risk-based, Tier 1 risk based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank’s category. The Company and Bank’s actual capital amounts and ratios at December 31, 2025 and 2024 are presented in the following table. To Be Well - Capitalized Under Required Prompt For Capital Corrective Actual Adequacy Purposes Action Provisions (Dollars in Thousands) Amount Ratio Amount Ratio Amount Ratio 2025 Common Equity Tier 1: CCBG $ 464,340 18.56% $ 112,675 4.50% * * CCB 431,958 17.27% 112,634 4.50% $ 162,694 6.50% Tier 1 Capital: CCBG 505,340 20.20% 150,233 6.00% * * CCB 431,958 17.27% 150,179 6.00% 200,238 8.00% Total Capital: CCBG 536,638 21.45% 200,311 8.00% * * CCB 463,246 18.52% 200,238 8.00% 250,298 10.00% Tier 1 Leverage: CCBG 505,340 11.77% 171,789 4.00% * * CCB 431,958 10.06% 171,733 4.00% 214,667 5.00% 2024 Common Equity Tier 1: CCBG $ 412,445 15.54% $ 119,437 4.50% * * CCB 405,313 15.24% 119,708 4.50% $ 172,912 6.50% Tier 1 Capital: CCBG 463,445 17.46% 159,249 6.00% * * CCB 405,313 15.24% 159,611 6.00% 212,814 8.00% Total Capital: CCBG 494,851 18.64% 212,332 8.00% * * CCB 436,719 16.42% 212,814 8.00% 266,018 10.00% Tier 1 Leverage: CCBG 463,445 11.05% 167,764 4.00% * * CCB 405,313 9.67% 167,627 4.00% 209,533 5.00% * Not applicable to bank holding companies. Dividend Restrictions . In the ordinary course of business, the Company is dependent upon dividends from its banking subsidiary to provide funds for the payment of dividends to shareowners and to provide for other cash requirements. Banking regulations may limit the amount of dividends that may be paid. Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory capital of the Company’s banking subsidiary to fall below specified minimum levels. Approval is also required if dividends declared exceed the net profits of the banking subsidiary for that year combined with the retained net profits for the preceding two years. In 2026, the bank subsidiary may declare dividends without regulatory approval of $ 49.2 million plus an additional amount equal to net profits of the Company’s subsidiary bank for 2026 up to the date of any such dividend declaration.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

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