Capital City Bank Group · NASDAQ:CCBG
Capital City Bank — Q3 2026 Earnings Presentation
29 slides from Capital City Bank's earnings presentation, Sep 30, 2026
Slide 1: Investor Presentation Third Quarter 2026
INVESTOR PRESENTATION THIRD QUARTER 2026 Apalachee Parkway retail office, Tallahassee. NASDAQ: CCBG
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS Forward-looking statements in this Presentation are based on current plans and expectations that are subject to uncertainties and risks, which could cause our future results to differ materially. The words “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estima
Slide 3: By the Numbers
BY THE NUMBERS * 1895 | Year Bank Founded Atlanta 5th Largest | Publicly traded financial holding company Augusta headquartered in Florida $4.4 Billion | Total Assets Macon $2.5 Billion | Loans Held for Investment Savannah $3.7 Billion | Total Deposits Mo Montgomery GEORGIA O • 88% in Florida, 7.91%
Slide 4: About Us
ABOUT US Proven track record operating as a stable, resilient, and profitable franchise for over 130 years. COMMITMENT TO FUNDAMENTALS • Strong core deposits • Disciplined credit management OUR BRAND PROMISE • Prudent liquidity management More than your bank. Your banker. • Capital stewardship LEADE
Slide 5: Delivering Shareowner Value
DELIVERING SHAREOWNER VALUE Disciplined growth, sustained profitability, and a commitment to providing long-term shareowner value. SHAREOWNER RETURN 30 1.10 HIGHLIGHTS $1.00 $1.08 (3) 1.00 $28.26 • Strong Growth in TBV/Share * 25 $0.88 $27.03 0.90 - YoY Growth of 7%(1) $0.76 0.80 $23.65 - 5 Year Avg
Slide 6: Why Capital City Bank Group?
WHY CAPITAL CITY BANK GROUP? (1) Strong fundamentals and flexibility drive growth and position us for future opportunities. DEPOSIT-DRIVEN CULTURE POSITIONED FOR GROWTH REVENUE DIVERSIFICATION FORTRESS BALANCE SHEET Granular and Footholds in Two High-Growth, Granular Loan Portfolio Core Deposit Fund
Slide 7: Third Quarter 2026 Highlights
THIRD QUARTER 2026 HIGHLIGHTS INCOME STATEMENT - 3Q26 VS 2Q26 The third quarter delivered strong • Tax-equivalent net interest income totaled $45.1 million compared to $44.2 million earnings and solid momentum for the prior quarter and reflected one additional calendar day in the third quarter acros
Slide 8: Deposit Franchise
DEPOSIT-DRIVEN CULTURE DEPOSIT FRANCHISE 4000000 $3,648 $3,691 $3,680 $3,648 $3,612 192 193 182 162 180 HIGHLIGHTS 3500000 QUARTERLY AVERAGE DEPOSIT * 4000000 417 416 403 411 433 Deposit Portfolio Highlights $3,612 $3,648 $3,691 $3,680 $3,648 • 3000000 5-Year CAGR of ~5.24% Total Deposits, ~4.26% MM
Slide 9: Located in Strong Growth Markets
POSITIONED FOR GROWTH LOCATED IN STRONG GROWTH MARKETS Poised to capitalize on population growth and business and wealth migration in Florida and Georgia. FLORIDA GEORGIA National Ranking: National Ranking: #1 New Business Startups(1) #4 Fortune 500 Companies with HQ in Atlanta(3) • #1 Black-owned B
Slide 10: Expanded Markets
POSITIONED FOR GROWTH EXPANDED MARKETS Strategically positioned in high-growth, favorable-demographic Northwest Florida and the Northern Arc of Atlanta. EMERALD COAST Atlanta NORTHERN ARC HIGHLIGHTS • St. Joe is currently developing 13 active residential Augusta • Atlanta is the 6th largest metro re
Slide 11: Legacy Markets
POSITIONED FOR GROWTH LEGACY MARKETS Offer stable and continued growth opportunities. Atlanta Chart ColorsHIGHLIGHTS Augusta • Legacy Markets in Florida – Tallahassee, Gainesville, Suncoast M on Macon Savannah – and Macon, Ga. are anchored by Mo Montgomery CAPITAL CITY BANK’S government, education,
Slide 12: Strategic Technology Investments
POSITIONED FOR GROWTH STRATEGIC TECHNOLOGY INVESTMENTS Investing in and implementing digital, scalable platforms to enhance client service and propel growth. Create Exceptional Client Experiences Improve Operational Efficiency Deepen Client Relationships • Enhanced self-service tools for digital ban
Slide 13: Diverse Loan Portfolio
REVENUE DIVERSIFICATION DIVERSE LOAN PORTFOLIO LOAN PORTFOLIO(1) HIGHLIGHTS Other Loans <1% • Top 25 loan relationships are ~ 6% of total loans Direct 1% 40% Consumer • Total loan portfolio avg. loan size $120K Residential R/E • In-house lending limit of $10 million 5% Indirect Auto 6% Construction
Slide 14: Generate Loan Growth
REVENUE DIVERSIFICATION GENERATE LOAN GROWTH PERIOD END LOANS HFI LOAN PORTFOLIO BY SEGMENT ($ In Millions /% Growth) ($ in Millions/% of Total) $3000 $3,000 -1.9% -1.4% -1.1% -0.7% -0.4% $2,582 $2500 $2,582 $2,546 $2,518 $2,500 $2,490 $2,546 $2,518 $2,500 $2,490 $2,500 6.1% 5.8% 6.2% 6.0% 6.0% 6.3%
Slide 15: Diversified Revenues
REVENUE DIVERSIFICATION DIVERSIFIED REVENUES HIGHLIGHTS • Diversified Loan Portfolio • Wealth AUM of $2.9 Billion - 5-Year CAGR of ~4.47% • Scalable Mortgage Banking Operation • Strong Deposit-Related Fees INTEREST INCOME(1) FEE INCOME(1) Direct Consumer 1% 26% 12% Residential R/E Other 5% 27% Indir
Slide 16: Credit Quality
FORTRESS BALANCE SHEET CREDIT QUALITY HIGHLIGHTS • Proven strong underwriting and risk management • 5 year average annual credit losses of 16 basis points • ACL coverage 1.22% of loans • Classified loans to loans ratio of 0.84% NON-PERFORMING LOANS* CLASSIFIED LOANS* ACL ACTIVITY*(1) $29.8 $30000 1.
Slide 17: Capital
FORTRESS BALANCE SHEET CAPITAL HIGHLIGHTS • TCE Ratio of 11.25% at September 30, 2026 • YoY(1) Growth of 7.12% in TBV/Share* • $306MM in Excess Regulatory Capital (Above Well-Capitalized) • Adjusted TCE Ratio of 10.88% if HTM Securities Loss was Recognized in AOCI REGULATORY CAPITAL TANGIBLE COMMON
Slide 18: Capital Management
FORTRESS BALANCE SHEET CAPITAL MANAGEMENT EARNINGS ALLOCATION TANGIBLE CAPITAL RATIO IS • Dividend ~(25-35%) MANAGED WITHIN A 7-9% RANGE: • Organic Growth, M&A, Build Excess Capital ~(35-45%) • >7% - Build & Return Capital – Focus • Share Repurchase ~(5-15%) on building capital, dividend and share •
Slide 19: Interest Rate Risk Profile
FORTRESS BALANCE SHEET INTEREST RATE RISK PROFILE HIGHLIGHTS • 60% of Loan Portfolio is Adjustable and 16% is Variable • 20% of the loan portfolio reprices overnight and an additional 30% reprices within one year • 100% of Investment Portfolio Reprices < 3 years (2.63 Duration) - $40 million in cash
Slide 20: Accolades
ACCOLADES Recognized at national, state, and community levels for delivering exceptional service and being a great place to work. World’s Best Banks America’s Best Banks America’s Best-In-State Banks 2026 2026 2026 Ranked No. 4 Ranked No. 1 in Florida, Ranked No. 6 in Georgia America’s Best Regional
Slide 21: Supplemental Information
SUPPLEMENTAL INFORMATION 21
Slide 22: Performance Highlights
PERFORMANCE HIGHLIGHTS ($ in thousands, except per share data) INCOME STATEMENT 3Q25 4Q25 1Q26 2Q26 3Q26 Interest Income 51,431 51,715 51,020 51,838 52,486 Interest Expense 7,874 8,355 8,203 7,640 7,476 Net Interest Income 43,557 43,360 42,817 44,198 45,010 Provision for Credit Losses 1,881 1,995 71
Slide 23: Loan Portfolio by Segment
LOAN PORTFOLIO BY SEGMENT LOAN PORTFOLIO BY SEGMENT - ($ in thousands) 3Q25 4Q25 1Q26 2Q26 3Q26 Commercial Loans 179,018 180,341 170,268 172,536 168,144 Construction R/E 156,756 146,920 156,630 149,127 149,335 Commercial R/E 785,290 768,731 755,800 750,637 736,380 Residential R/E 1,037,324 1,020,942
Slide 24: Net Interest Margin Trends
NET INTEREST MARGIN TRENDS NET INTEREST INCOME* HIGHLIGHTS 50000 45000 $43,557 $43,360 $42,817 $44,198 $45,010 • Net Interest Income was $45.0 million for the third quarter 2026, up from $44.2 million in the second quarter 2026. 40000 35000 - Increase was primarily attributable to higher income from
Slide 25: High Quality, Highly Liquid and Diverse Investment Portfolio
HIGH QUALITY, HIGHLY LIQUID AND DIVERSE INVESTMENT PORTFOLIO INVESTMENT PORTFOLIO(2)/TOTAL ASSETS HIGHLIGHTS* & PORTFOLIO YIELD(1) 26.8% • $1,156MM investment portfolio at fair value as of $1200000 26.0% 26.1% $1.180 September 30, 2026 23.3% $1.155 $1.160 22.8% $1000000 - including $862MM AFS and $2
Slide 26: Non-Interest Income Trends
NON-INTEREST INCOME TRENDS NON-INTEREST INCOME TRENDS(1) 3Q26 27% 20% 24% 19% 10% $19,384 2Q26 27% 19% 20% 23% 11% $20,599 1Q26 28% 18% 20% 21% 12% $19,933 4Q25 29% 18% 23% 21% 10% $20,103 3Q25 26% 17% 23% 21% 12% $22,331 Deposit Fees Bank Card Fees Wealth Management Fees Mortgage Banking Revenues O
Slide 27: Wealth Management Fee Trends
WEALTH MANAGEMENT FEE TRENDS HIGHLIGHTS • Wealth Management AUM grew to $2.9B at September 30, 2026 - Steady Growth: 5-Year CAGR of 4.47% • Strong operating profit margins of ~41%, contributing ~9% to consolidated operating profit for the third quarter 2026 • Services include: -T rust – Investment m
Slide 28: Non-GAAP Financial Measures
NON-GAAP FINANCIAL MEASURES RECONCILIATION OF NON-GAAP FINANCIAL MEASURES TOTALS (1) ($ in thousands) Sep 30, 2025 Dec 31, 2025 Mar 31, 2026 Jun 30, 2026 Sep 30, 2026 Shareowners’ Equity (GAAP) $540,635 $552,851 $559,912 $570,095 $573,862 Less: Goodwill (GAAP) 89,095 89,095 89,095 89,095 89,095 Tang
Slide 29: Corporate Headquarters
Corporate Headquarters 217 North Monroe Street Tallahassee, FL 32301 www.ccbg.com
Capital City Bank Group — Q3 2026 Earnings Presentation on 6ix