Capital City Bank Group, Inc. reported net income attributable to common shareowners of $15.04 million, or $0.88 per diluted share, for the second quarter of 2025. This represents an increase from $14.20 million, or $0.83 per diluted share, in the second quarter of 2024.
Tax-equivalent net interest income reached $43.20 million in Q2 2025, up from $39.30 million in Q2 2024, driven by higher investment securities income and overnight funds income. The net interest margin (FTE) expanded to 4.30%, an eight-basis-point improvement over Q1 2025 and a 28-basis-point increase over Q2 2024.
Noninterest income totaled $20.00 million, with wealth management fees increasing by 17.28% year-over-year to $5.206 million. Nonperforming assets increased to $6.60 million, and classified loans rose to $28.60 million, though the allowance for credit losses for loans held for investment remained robust at 1.13%. The company's total risk-based capital ratio was 19.60%, significantly exceeding 'well-capitalized' thresholds.
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