Capital City Bank Group Inc (NASDAQ: CCBG)

Capital City Bank Group, Inc. is a financial holding company headquartered in Tallahassee, Florida. The company provides a full range of banking services including traditional deposit and credit products, mortgage banking, asset management, trust, merchant services, bankcards, securities brokerage and financial advisory offerings such as life insurance and risk management solutions. It operates through its banking subsidiary Capital City Bank and related entities that serve customers in Florida, Georgia and Alabama. The bank operates 62 branches and 108 automated teller machines across its three state footprint, while its mortgage subsidiary runs 28 additional offices in the Southeast. As of 2025 the company held approximately $4.4 billion in assets.

Revenue is generated primarily from interest income on loans and securities plus noninterest income from fees and commissions. Interest income derived from loans and securities forms the largest portion of revenue, while noninterest income is generated through service charges, brokerage commissions and insurance premiums. Banking activities such as commercial lending, residential mortgage origination, retail credit and deposit services contribute the majority of earnings. Wealth management operations, including asset management, trust services and brokerage, add further revenue through advisory fees and product sales. Geographic breakdown shows that about 81% of revenue comes from Florida markets, 17% from Georgia and the remaining 2% from other areas.

The company operates through the following segments: Banking Services and Wealth Management Services.

• Banking Services: This segment encompasses business banking, commercial real estate lending, residential real estate lending through Capital City Home Loans, retail credit, institutional banking and retail banking offerings such as checking accounts, savings, ATMs, debit and credit cards.

• Wealth Management Services: This segment provides asset management for individuals and institutions via Capital City Trust Company, and retail investment products including stocks, bonds, mutual funds and insurance through Capital City Investments in partnership with LPL Financial.

Capital City Bank Group, Inc. competes with a broad array of financial institutions including national and regional banks, savings and loans, credit unions, money market funds, mortgage and investment banking firms, insurance agencies, securities brokers and emerging fintech companies. Despite facing larger rivals with greater resources, the company leverages its community focused relationship model and deep local market knowledge to differentiate its service. Its long tenure of employees and strong brand reputation support its ability to retain customers and attract new business in its Southeastern footprint.

The company serves a diverse customer base that includes individual consumers, small and midsize businesses, large corporations, government entities, nonprofit organizations and institutional clients. Specific customer names are not disclosed in the filing, but the roster encompasses retail depositors, commercial borrowers, municipal accounts and trust and investment clients.