Page 1

October 20 , 2026 Capital City Bank Group Capital City Bank Group , Inc. Reports Third Quarter 2026 Results TALLAHASSEE , Fla . , Oct. 20 , 2026 ( GLOBE NEWSWIRE ) -- Capital City Bank Group , Inc. ( NASDAQ : CCBG ) today reported net income attributable to common shareowners of $ 16.9 million , or $ 0.99 per diluted share , for the third quarter of 2026 compared to $ 16.3 million , or $ 0.95 per diluted share , for the second quarter of 2026 , and $ 16.0 million , or $ 0.93 per diluted share , for the third quarter of 2025 . Return on Assets was 1.53 % and Return on Equity was 11.67 % for the third quarter of 2026 compared to 1.48 % and 11.38 % , respectively , for the second quarter of 2026 , and 1.47 % and 11.67 % , respectively , for the third quarter of 2025 . QUARTER HIGHLIGHTS ( 3rd Quarter 2026 versus 2nd Quarter 2026 ) Income Statement • Tax - equivalent net interest income totaled $ 45.1 million compared to $ 44.2 million for the prior quarter and reflected one additional calendar day in the third quarter • Net interest margin increased 7 basis points to 4.42 % ( earning asset yield increased 4 basis points to 5.15 % and cost of funds decreased 2 basis points to 73 basis points ) • Credit loss provision decreased $ 1.0 million - net loan charge - offs of 8 basis points ( annualized ) of average loans - allowance coverage ratio decreased two basis points to 1.22 % at September 30 , 2026 • Noninterest income decreased $ 1.2 million , or 5.9 % , driven by lower mortgage banking revenues and deposit fees • Noninterest expense decreased $ 0.3 million , or 0.8 % , primarily due to lower compensation expense of $ 0.2 million Balance Sheet • Loan balances decreased $ 10.3 million , or 0.4 % ( average ) , and decreased $ 10.1 million , or 0.4 % ( end of period ) • Improved credit quality - total nonperforming assets of $ 9.7 million ( 22 basis points of total assets ) at September 30 , 2026 , a $ 3.7 million decrease from the prior quarter • Deposit balances decreased $ 31.2 million , or 0.9 % ( average ) , and decreased $ 54.4 million , or 1.5 % ( end of period ) due to the normal seasonal decrease in our public fund balances - • Investment security loss AFS and HTM of 3.2 % ( after - tax ) of book value – total security portfolio duration of 2.6 years • Tangible book value per diluted share ( non - GAAP financial measure ) increased $ 0.19 , or 0.7 % , and reflected the negative impact of higher bond interest rates on our quarter-