CAPITAL CITY BANK GROUP INC

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON,

DC

FORM

10-K

☒

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the

fiscal year

ended

December 31

, 2025

OR

☐

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

For the transition period from ____________ to ____________

(Exact name of Registrant as specified in its charter)

Florida

0-13358

59-2273542

(State of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

217 North Monroe Street

,

Tallahassee

,

Florida

(Address of principal executive offices)

(Zip Code)

(

)

402-7821

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on Which Registered

Common Stock, $0.01 par value

CCBG

The

Nasdaq Stock Market

LLC

Securities registered pursuant to Section 12(g) of the Act:

None

Indicate by check mark if

the registrant is a well-known

seasoned issuer, as defined in

Rule 405 of the Securities

Act. Yes

☐

No

☒

Indicate by check mark if the registrant is not required to file

reports pursuant to Section 13 or Section 15(d) of

the Exchange Act. Yes

☐

No

☒

Indicate by check mark whether the registrant (1) has filed

all reports required to be filed by Section 13 or 15(d) of

the Securities Exchange Act of 1934 during the

preceding 12 months (or for such shorter period that the registrant

was required to file such reports), and (2) has been subject

to such filing requirements for the past

90 days. Yes

☒

No

☐

Indicate by check mark whether the registrant has submitted

electronically every Interactive Data File required to be submitted

pursuant to Rule 405 of Regulation S-

T (§232.405 of this chapter) during the preceding 12 months

(or for such shorter period that the registrant was required

to submit such files). Yes

☒

No

☐

Indicate by check mark whether the registrant is a large accelerated

filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging

growth company.

See definition of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule

12b-2 of the

Exchange Act

Large accelerated filer

☐

Accelerated filer

☒

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company,

indicate by check mark if the registrant

has elected not to use the

extended transition period for complying with any new

or revised

financial accounting standards provided pursuant to Section 13(a)

of the Exchange Act.

☐

Indicate by check mark whether the registrant has filed a

report on and attestation to its management’s assessment of the effectiveness of its internal control

over

financial reporting under Section 404(b) of the Sarbanes-Oxley

Act (15 U.S.C. 7262(b)) by the registered public accounting

firm that prepared or issued its audit

report.

☒

If securities are registered pursuant to Section 12(b) of the Act,

indicate by check mark whether the financial statements

of the registrant included in the filing reflect

the correction of an error to previously issued financial statements

.

☐

Indicate by check mark whether any of those error corrections

are restatements that required a recovery analysis of

incentive-based compensation received by any of

the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).

☐

Indicate by check mark whether the registrant is a shell company

(as defined in Rule 12b-2 of the Exchange Act). Yes

☐

No

☒

The aggregate market value of the registrant’s common stock, $0.01 par value

per share, held by non-affiliates of the registrant on June

30, 2025, the last business day

of the registrant’s most recently completed second fiscal quarter, was approximately $

539,591,085

(based on the closing sales price of the registrant’s common stock

on that date). Shares of the registrant’s common stock held by each officer and director and

each person known to the registrant to own 10% or more of

the

outstanding voting power of the registrant have been excluded

in that such persons may be deemed to be affiliates. This

determination of affiliate status is not a

determination for other purposes.

Indicate the number of shares outstanding of each of the

issuer’s classes of common stock, as of the latest practicable date.

Class

Outstanding at February 24, 2026

Common Stock, $0.01 par value per share

17,152,261

DOCUMENTS INCORPORATED BY REFERENCE

Portions of our Proxy Statement for the Annual Meeting of Shareowners held on April 21, 2026, are incorporated by reference in Part III.

GROUP,

INC.

ANNUAL REPORT FOR 2025

ON FORM 10-K

TABLE OF CONTENTS

PART

I

PAGE