Mission Statement, Vision, & Core Values of Capital City Bank Group, Inc. (CCBG)

When you evaluate a community bank like Capital City Bank Group, Inc. (CCBG), you're defintely looking past the balance sheet to understand the underlying culture that drives performance.

That commitment to being 'more than a bank' isn't just marketing; it's a strategy that helped deliver $16.0 million in net income for the third quarter of 2025, pushing their tax-equivalent net interest income to $128.4 million for the first nine months of the year.

Given total assets around $4.3 billion, how do their core values-like 'Do the Right Thing' and 'Build Relationships & Loyalty'-map to that kind of financial stability and what strategic actions are they taking to empower their clients' financial wellness?

Capital City Bank Group, Inc. (CCBG) Overview

You're looking for a clear, no-nonsense assessment of Capital City Bank Group, Inc. (CCBG), and the Q3 2025 numbers show a bank that's executing its community-focused strategy well. The direct takeaway is that CCBG is maintaining strong profitability and growing its non-interest fee income, a smart diversification move in a volatile rate environment.

Capital City Bank Group, Inc. is a financial holding company with deep roots, founded in 1895 in Tallahassee, Florida. That's over a century of weathering financial storms, so they defintely know a thing or two about stability. Today, the bank operates a network of 62 full-service offices and 108 ATMs/ITMs across Florida, Georgia, and Alabama, making it a key regional player. The total assets of the company stood at approximately $4.3 billion as of March 2025.

The core business is full-service banking, which means offering traditional deposit and credit services, but they also have significant revenue streams from specialized areas. They offer mortgage banking through Capital City Home Loans, LLC, plus a full suite of asset management, trust services, merchant services, bankcards, and securities brokerage services. For the full 2025 fiscal year, the consensus estimate projects total sales (revenue) to reach about $258.37 million.

Q3 2025 Financial Performance: Strong Fee Income Growth

The latest results, for the third quarter ended September 30, 2025, were strong, showing a solid beat on expectations. CCBG reported net income attributable to common shareowners of $16.0 million, or $0.93 per diluted share, which is a nice jump from the $13.1 million reported in the same quarter a year ago.

Total revenue for the quarter was $65.89 million, surpassing the consensus estimate. Here's the quick math on how they got there: Tax-equivalent net interest income-the profit from lending versus the cost of deposits-totaled $43.6 million for the quarter.

But the real story is in the noninterest income, which is the money made from fees and services, not just lending. This income stream climbed to $22.3 million in Q3 2025, an 11.6% increase over the prior quarter. This growth was driven by key product sales:

• Mortgage banking revenues increased by $0.6 million.
• Deposit fees rose by $0.6 million.
• Wealth management fees saw a $2.2 million increase for the first nine months of 2025 versus the same period in 2024.

This shows a healthy, diversified revenue model; they're not just relying on loan volume. For the first nine months of 2025, total net income reached $47.9 million, compared to $39.8 million for the same period in 2024.

CCBG: A Leading Financial Holding Company

Capital City Bank Group, Inc. isn't just another regional bank; it's one of the largest publicly traded financial holding companies headquartered in Florida. This is a big deal in the competitive Southeast market. Its stability and deep community roots-dating back to 1895-make it a trusted name, especially when others are struggling with credit quality.

The company's operational efficiency is also a clear differentiator. In Q3 2025, the bank delivered an above-peer Return on Assets (ROA) of 1.47% and a Return on Equity (ROE) of 11.67%. These numbers tell you they're using shareholder capital and assets very effectively to generate profit. That's the kind of precision you want to see from a financial institution. To truly understand the investor landscape and who is betting on this success, you should look deeper. Exploring Capital City Bank Group, Inc. (CCBG) Investor Profile: Who's Buying and Why?

Capital City Bank Group, Inc. (CCBG) Mission Statement

You're looking for the bedrock of a financial institution, not just its balance sheet, and for Capital City Bank Group, Inc. (CCBG), that foundation is its clear purpose. The mission, or purpose, is about more than processing transactions; it's focused on empowering clients' financial wellness and helping build secure futures. This statement is the guiding star for every decision, from lending policy to technology investment, and it's reinforced by their brand promise: More than your bank. Your banker.

This isn't corporate fluff; it's a commitment that translates directly into financial performance, which is what we, as analysts, care about. When a bank focuses on the client's long-term security, it builds a stable deposit base and drives profitable, quality growth. For the first nine months of 2025, Capital City Bank Group's strategic execution delivered $47.9 million in net income, showing this people-first philosophy defintely works. Here's how the mission breaks down into actionable components.

Core Component 1: Empowering Clients' Financial Wellness

Empowering clients means delivering superior financial performance that directly benefits the customer through stability and service quality. You can see this commitment in the bank's operational metrics, which consistently outperform peers. For the third quarter of 2025, Capital City Bank Group reported a Return on Assets (ROA) of 1.47% and a Return on Equity (ROE) of 11.67%, both of which are above the industry average. That kind of efficiency and profitability ensures the bank can keep investing in the services you need.

The core value of Build Relationships & Loyalty is the engine here. Strong relationships lead to a robust Net Interest Margin (NIM), which is the bank's primary profit driver. In the third quarter of 2025, the NIM expanded to 4.34%, reflecting the bank's ability to manage its cost of funds and secure higher yields on assets. Your financial wellness is directly tied to a bank's stability and consistent service.

• Net Income (Q3 2025): $16.0 million
• Net Interest Margin (Q3 2025): 4.34%
• Return on Assets (Q3 2025): 1.47%

Core Component 2: Helping Build Secure Futures

Building secure futures is about stability, community investment, and ethical practice-the long-term view. A bank's ability to weather economic shifts is paramount to your security, and Capital City Bank Group's balance sheet reflects this discipline. With approximately $4.3 billion in assets, the bank maintains a significant presence and a strong capital position, with its Common Equity Tier 1 capital ratio at 16.81% as of March 31, 2025, well above regulatory minimums. This is a fortress balance sheet.

This component is driven by the Core Values of Do the Right Thing and Be Committed to Community. For example, the bank's commitment to its people-who deliver your service-is evidenced by its recognition as one of American Banker's "Best Banks to Work For" for the 13th consecutive year, ranking #37 out of 90 nationwide in 2025. When a bank values its associates, who have an average tenure of 9.4 years, you get better, more consistent service. The bank also backs its commitment to community with tangible investments, like the $9.1 million investment made in SOLCAP 2024-1, LLC, a solar tax credit equity fund, showing a real-world commitment to environmental stewardship and community benefit.

• Total Assets (approx.): $4.3 billion
• Common Equity Tier 1 Capital Ratio (Q1 2025): 16.08%
• Average Associate Tenure: 9.4 years

Capital City Bank Group, Inc. (CCBG) Vision Statement

You're looking past the Q3 earnings report to understand the long-term value driver for a bank like Capital City Bank Group, Inc. (CCBG). Honestly, the numbers only tell half the story; the other half is their guiding philosophy. For CCBG, the core purpose-what I'd call their working vision-is clear: to empower clients' financial wellness and help them build secure futures. This isn't just a poster on the wall; it maps directly to their operational focus, especially when you look at their $4.3 billion in assets and their year-to-date performance.

The near-term opportunity is seeing how their values translate into tangible financial results, like the 4.34% Net Interest Margin (NIM) they hit in Q3 2025. That's a strong, above-peer return on assets (ROA) of 1.47% and return on equity (ROE) of 11.67%, showing their strategy is defintely working. Here's the quick math on how their vision breaks down into actionable areas.

Empowering Clients' Financial Wellness

The first part of the vision is about immediate, practical help. For a regional bank operating 62 offices across Florida, Georgia, and Alabama, this means providing services that actually move the needle for local businesses and families. You see this commitment reflected in their Noninterest Income, which increased by 11.6% in Q3 2025, driven by higher mortgage banking revenues and wealth management fees. People are using the full suite of services, not just checking accounts.

This focus on wellness is supported by their brand promise: 'More than your bank. Your banker.' They are trying to be a partner, not just a transaction processor. To be fair, this is a competitive space, but their improved credit quality metrics-with the allowance coverage ratio increasing to 1.17% at September 30, 2025-show they are managing risk while still lending. That's a good sign they are making smart, responsible loans that genuinely help clients grow their financial position.

• Net Interest Income for the first nine months of 2025 totaled $128.4 million.
• Q3 2025 net income was $16.0 million.
• Tangible Book Value per diluted share increased 4.0% in Q3 2025.

Building Secure Futures

Building a secure future is the long-game component of CCBG's vision. For investors, this translates to stability and consistent growth, which they've demonstrated with their tangible book value per diluted share increasing by $1.01 in the third quarter of 2025. This growth is a concrete measure of value creation for shareowners.

The bank's Core Values, particularly 'Do the Right Thing' and 'Build Relationships & Loyalty,' are the operational guardrails for this long-term focus. A bank that focuses on doing the right thing for its clients is less likely to chase risky, short-term returns. Their nonperforming assets as a percentage of total assets remains low, at 0.23% at the end of Q3 2025, which is a key indicator of asset quality and future security. You can dive deeper into the specifics of this performance in Breaking Down Capital City Bank Group, Inc. (CCBG) Financial Health: Key Insights for Investors.

The Role of Community and Culture

A bank's culture is a leading indicator of its stability. CCBG's Core Values also include 'Be Committed to Community' and 'Promote Career Growth.' This is critical because a strong internal culture reduces turnover and ensures experienced bankers are serving clients, which directly supports the 'secure futures' vision. Their average associate tenure is around 9.4 years, and their management team's is 23.9 years. That kind of stability is rare in the financial sector.

Also, the commitment to community is a risk mitigator. In 2024, the Capital City Bank Group Foundation donated approximately $0.3 million to non-profit organizations, and associates recorded 9,542 community service hours. This deep local presence and loyalty is a competitive moat (a sustainable advantage) that helps them maintain strong deposit balances, which totaled $3.784 billion at the end of Q1 2025. Strong local ties mean more stable funding, which is the bedrock of a secure bank.

Capital City Bank Group, Inc. (CCBG) Core Values

You're looking for a bank whose values are more than just a poster in the lobby, and honestly, you should be. The foundation of Capital City Bank Group, Inc. (CCBG) isn't just its $4.3 billion in assets; it's the philosophy behind the balance sheet. CCBG's core purpose is clear: to empower our clients' financial wellness and help them build secure futures. That's the strategic North Star that drives performance and risk management.

As a seasoned financial analyst, I look at how a company's stated values translate into measurable, near-term actions. With CCBG, the six core values-from 'Do the Right Thing' to 'Be Committed to Community'-are directly mapped to their 2025 operational results. Here's the quick math on how those values are generating real-world returns for stakeholders and the community.

Be Committed to Community

A community bank must reinvest in its footprint, or it's just a transactional entity. CCBG understands this, which is why 'Be Committed to Community' remains a central value. It's not just a feel-good measure; it builds the local goodwill and trust that drives long-term deposit growth and stability. For the 2025 grant cycle, the Capital City Bank Group Foundation reinvested a significant $208,000 into nearly 100 local charitable organizations across Florida, Georgia, and Alabama.

This commitment goes beyond dollars. It's about direct action in areas critical for economic health, like education and human services. For instance, the Foundation's focus areas include economic/community development and children/youth services, which are key to future financial stability in their operating markets. The Foundation also prioritizes grants to Community Reinvestment Act (CRA) eligible organizations, helping to address access and affordability issues in low-to-moderate income communities. You can review the full scope of their community-focused approach, which is defintely more than just banking, in their history: Capital City Bank Group, Inc. (CCBG): History, Ownership, Mission, How It Works & Makes Money.

Embrace Individuality & Value Others / Promote Career Growth

The strength of a bank is its people, and CCBG's focus on its associates directly impacts service quality and retention. This dual value set-valuing individuals and promoting their growth-is a key competitive advantage in a tight labor market. In the 2025 American Banker's "Best Banks to Work For" rankings, CCBG placed #37 nationwide and #8 in the category of banks with assets between $3 billion and $10 billion, a jump from their 2024 rankings.

This improvement stems from concrete initiatives launched to support associates:

• The Spotlight: A recognition and rewards platform for peer-to-peer celebration.
• Navigator: A one-stop resource hub connecting associates to local support services like childcare and housing.
• Tuition assistance: Encouraging associates to pursue higher education and continual professional development.

The average tenure of their management team is an impressive 23.9 years, showing that the commitment to career growth is real and fosters deep institutional knowledge. That kind of stability is priceless for client relationships.

Do the Right Thing

In finance, 'Do the Right Thing' translates to integrity, transparency, and prudent risk management. You see this value reflected directly in the quality of the loan portfolio and the overall financial health of the business. For the third quarter of 2025, CCBG reported net income attributable to common shareowners of $16.0 million, or $0.93 per diluted share.

More importantly, the quality of their assets remains strong. At September 30, 2025, nonperforming assets (nonaccrual loans and other real estate) totaled $10.0 million, which represents a low 0.23% of total assets. The net interest margin (NIM)-the key profitability metric for a bank-increased to 4.34% in Q3 2025, a four-basis point increase from the prior quarter. This shows a disciplined approach to pricing and funding, which is the ultimate proof of a bank that is doing the right thing for its balance sheet and its shareholders.