Filing Flows › Capital City Bank Group (CCBG) › Q2 2026
Capital City Bank Group (CCBG) Q2 2026 earnings results (second quarter 2026)
10-Q filed Jul 29, 2026
Capital City Bank Group (CCBG) reported revenue of $64.8M for the second quarter 2026 (Q2 2026), +3% from a year earlier and +3% from the quarter before. Operating margin was 32.8%, net earnings $16.3M (25.1% of revenue).
Capital City Bank Group, Q2 2026: revenue $64.8M (+2% year over year), operating margin 32.8%, net earnings $16.3M, operating cash flow $12.8M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $64.8M | +3% | +3% |
| Operating profit | $21.2M | +3% | +6% |
| Net earnings | $16.3M | +3% | +8% |
| Operating cash flow | $12.8M | -20% | -61% |
| Free cash flow | $7.5M | -49% | -76% |
What changed
Revenue was $64.8M in Q2 2026, up 3% year over year and up 3% from the previous quarter. Net interest income was the largest line at 68% of revenue. Net interest income added $1.0M year over year (up 2%), 63% of the total change.
Operating profit was $21.2M, a 32.8% margin (up 1.1 points year over year). Of the extra revenue versus a year earlier, 75% reached operating profit, above the 32% margin then. Total costs grew 1% against revenue growth of 3%. The fastest-growing cost line was Credit loss provision (+48%). Net earnings were $16.3M, up 8% year over year. The effective tax rate was 23.4%.
Operating cash flow was $12.8M (down 61% year over year), 78% of net earnings. Non-cash charges added back $415K of share-based compensation. Working capital and other items used $3.9M. Capital expenditures of $5.3M left free cash flow of $7.5M.
Questions
What was Capital City Bank Group's revenue in the second quarter 2026?
Capital City Bank Group (CCBG) reported revenue of $64.8M for the second quarter 2026 (Q2 2026), +3% from a year earlier and +3% from the quarter before.
Was Capital City Bank Group profitable in the second quarter 2026?
Operating profit was $21.2M (32.8% of revenue) and net earnings $16.3M.