Capital City Bank Group · NASDAQ:CCBG
Capital City Bank — Q4 2025 Earnings Presentation
23 slides from Capital City Bank's earnings presentation, Dec 31, 2025
Slide 1: Investor Presentation Fourth Quarter 2025
INVESTOR PRESENTATION FOURTH QUARTER 2025 NASDAQ: CCBG
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS Forward-looking statements in this Investor 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,
Slide 3: By the Numbers
BY THE NUMBERS * 1895 | Year Bank Founded Atlanta 3rd Largest | Publicly traded financial holding company Augusta headquartered in Florida Macon $4.4 Billion | Total Assets Savannah $2.5 Billion | Loans Held for Investment Mo Montgomery GEORGIA O $3.7 Billion | Total Deposits • 88% in Florida(1), 7.
Slide 4: About Us
ABOUT US 130 Years Operating as a Stable, Resilient, and Profitable Franchise. LEADERSHIP Our 130 years of • Seasoned and experienced leaders who’ve successfully navigated multiple business experience operating cycles. a profitable franchise • Strong insider ownership. demonstrates we • Deeply inves
Slide 5: Delivering Shareowner Value
DELIVERING SHAREOWNER VALUE History of shareowner value growth. SHAREOWNER RETURN 30 1.00 1.00 HIGHLIGHTS 25 0.88 0.90 0.76 0.80 • Strong Growth in TBV/Share 20 0.66 0.70 - YoY Growth of 14%(1) 0.62 0.57 0.60 - 5 Year Avg. Annual Growth of 15% T 15 0.50 D • Strong Earnings B P V 10 0.40 S - YoY Grow
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: Deposit Franchise
DEPOSIT-DRIVEN CULTURE DEPOSIT FRANCHISE HIGHLIGHTS Deposit Portfolio Highlights • 5-Year CAGR of ~7.6% Total Deposits ~7.7% MMA/SAV/NOW • 36% Noninterest Bearing Balance(1) • Average Account balance of $28k 4000000 • Consumer - $15k 3,600 3,665 3,681 3,612 3,648 • Business - $93k 170 173 * 192 3500
Slide 8: 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 National Ranking: TOP 10 STATES TOP 5 STATES #1 New Business Startups(1) NET INCOME MIGRATION(1) NET NEW FIRM RELOCATIONS(1) • Florida’s
Slide 9: Expanded Markets
POSITIONED FOR GROWTH EXPANDED MARKETS Strategically positioned in high-growth, favorable-demographic Northwest Florida and the Northern Arc of Atlanta. EMERALD COAST NORTHERN ARC HIGHLIGHTS Atlanta • Panama City-Panama City Beach population grew Augusta • Atlanta is the 6th largest metro region in
Slide 10: Legacy Markets
POSITIONED FOR GROWTH LEGACY MARKETS Offer stable and continued growth opportunities. Atlanta Chart ColorsHIGHLIGHTS Augusta • Legacy Markets in Tallahassee, Fla., Gainesville, Fla., Suncoast, Fla. M on Macon Savannah and Macon, Ga. are anchored by Mo Montgomery CAPITAL CITY BANK’S government, educa
Slide 11: 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 12: Diverse Loan Portfolio
REVENUE DIVERSIFICATION LOAN PORTFOLIO(1) DIVERSE LOAN PORTFOLIO Direct Consumer 1% <1% Other Loans 6% Indirect Auto HIGHLIGHTS 6% • Top 25 loan relationships are ~ 6% of total loans Construction R/E • Total loan portfolio avg. loan size $116K 7% 40% Commercial Residential R/E • In-house lending lim
Slide 13: Generate Loan Growth
REVENUE DIVERSIFICATION GENERATE LOAN GROWTH PERIOD END LOANS HFI GROWTH BY SEGMENT ($ In Millions /% Growth) ($ in Thousands/% of Total) $3000 7.3% $3,000 -3.0% $2,734 -4.0% 32.0% $2,651,550 $2,660,770 $2,631,490 $2,582,007 $2,652 $2,546,118 $2500 $2,548 $2,546 7.1% 6.9% 6.8% $2,500 6.9% 7.1% 8.3%
Slide 14: Diversified Revenues
REVENUE DIVERSIFICATION DIVERSIFIED REVENUES HIGHLIGHTS • Diversified Loan Portfolio • Wealth AUM of $2.9 Billion - 5-Year CAGR of ~7.7% • Scalable Mortgage Banking Operation • Strong Deposit-Related Fees INTEREST INCOME(1) FEE INCOME(1) $204 MILLION $82 MILLION 1% Direct Consumer Indirect Auto 5% 5
Slide 15: Credit Quality
FORTRESS BALANCE SHEET CREDIT QUALITY HIGHLIGHTS • Proven strong underwriting and risk management • 5 year average annual credit losses of 13 basis points • ACL coverage 1.22% of loans NON-PERFORMING LOANS* CLASSIFIED LOANS* ACL ACTIVITY*(1) (% of Loans HFI) (% of Total Loans HFI) $30 $20 $30 $31.0
Slide 16: Capital
FORTRESS BALANCE SHEET CAPITAL HIGHLIGHTS • TCE Ratio of 10.79% at December 31, 2025 • YoY(1) Growth of 14.29% in TBV/Share • $274MM in Excess Regulatory Capital (Above Well-Capitalized) • Adjusted TCE Ratio of 10.65% if HTM Securities Loss was Recognized in AOCI REGULATORY CAPITAL TANGIBLE COMMON E
Slide 17: Capital Management
REVENUE DIVERSIFICATION 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 – • Share Repurchase ~(5-15%) Focus on building capital, dividend • TRUP Ret
Slide 18: Interest Rate Risk Profile
FORTRESS BALANCE SHEET INTEREST RATE RISK PROFILE HIGHLIGHTS • 60% of Loan Portfolio is Adjustable and 16% is Variable • 48% of Loan Portfolio Reprices within One Year • 100% of Investment Portfolio Reprices < 3 years (2.12 Duration) - $314 million in cash flow repricing in 2026 from 3.02% LOAN REPR
Slide 19: Culture & Accolades
CULTURE & ACCOLADES Our culture distinguishes us from our competitors and is the driving force behind our continued success. Leadership is committed to a culture that values people alongside results. OUR BRAND PROMISE World’s Best Banks America’s Best Banks America’s Best-in-State Banks 2025 2025 20
Slide 20: Supplemental Information
SUPPLEMENTAL INFORMATION 20
Slide 21: Fourth Quarter 2025 Performance Highlights
PERFORMANCE HIGHLIGHTS - ($ in thousands, except per share data) INCOME STATEMENT 4Q25 3Q25 4Q24 Interest Income 51,715 51,431 49,743 FOURTH QUARTER 2025 Interest Expense 8,355 7,874 8,640 HIGHLIGHTS - 4Q25 VS 3Q25 Net Interest Income 43,360 43,557 41,103 Income Statement Provision for Credit Losses
Slide 22: Non-GAAP Financial Measures
NON-GAAP FINANCIAL MEASURES RECONCILIATION OF NON-GAAP FINANCIAL MEASURES TOTALS (1) ($ in thousands) Dec 31, 2024 Mar 31, 2025 Jun 30, 2025 Sep 30, 2025 Dec 31, 2025 Shareowners’ Equity (GAAP) 495,317 512,575 526,423 540,635 552,851 Less: Goodwill (GAAP) 92,773 92,733 92,693 89,095 89,095 Tangible
Slide 23: Corporate Headquarters
Corporate Headquarters 217 North Monroe Street Tallahassee, FL 32301 www.ccbg.com
Capital City Bank Group — Q4 2025 Earnings Presentation on 6ix