CAPITAL CITY BANK GROUP INC
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-K
Period ended 2024-12-31; filed 2025-03-11.
0000726601-25-000013
Item 1A. Risk FactorsCurrent report: 10-K
Period ended 2025-12-31; filed 2026-02-27.
0000726601-26-000007
Item 1A. Risk FactorsThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 1875 previous paragraphs and 1995 current paragraphs.
1485 unchanged; 203 reworded; 292 added; 170 removed; 17 previous and 15 current paragraphs rearranged.
Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
Added paragraphs (292)
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including inflation, changes in trade policies by the United States or other
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countries, such as tariffs or retaliatory tariffs, recession,
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domestic and international events and changes in the United States and
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operating in an environment in which the Federal Reserve has shifted toward reducing
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However, the inflationary outlook remains uncertain
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Reserve were to further decrease interest rates, this may constrain our interest
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adversely affect our business forecasts. On the other hand,
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rapid increases in the target federal funds rate may result in a change
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the mix of noninterest and interest-bearing accounts and effect
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our interest rate spread. New appointments to the Board of
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Governors at the Federal Reserve could result in a change in monetary policy
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Federal Reserve independence could negatively impact financial markets
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our control, including inflation, deflation, recession,
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unemployment, money supply and other changes in financial markets.
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results of operations and financial condition. Furthermore, a prolonged
Showing the first 40 of 292 passages. Open the source sections for the rest.
Removed paragraphs (170)
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the Federal Reserve released its economic projections suggesting that it will reduce
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there is no guarantee that the Federal Reserve will further reduce the federal funds
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rate in the near-term and could maintain the rate at the current level or
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Inflation rose sharply at the end of 2021 and continued rising in 2022 at levels not
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eased but remained elevated throughout 2023 and 2024. Small to medium
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2024, construction loans comprised approximately 8.3% of our total loan portfolio.
Showing the first 40 of 170 passages. Open the source sections for the rest.
Reworded paragraphs (203)
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including inflation, recession, unemployment, federal funds target
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unemployment, federal funds target rate, money supply,
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other financial markets. Our net interest income may be reduced if: (i) more
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interest rates are declining or (ii) more interest-bearing
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reprice or mature during a time when interest rates are declining or (ii) more interest-bearing
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assets than interest-bearing liabilities reprice or mature during a time when
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reprice or mature during a time when interest rates are rising.
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-sized businesses may be impacted more during periods
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Small to medium-sized businesses may be impacted more during periods
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of high inflation as they are not able to leverage economies of scale to mitigate cost pressures compared
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of high inflation as they are not able to leverage
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ability of our business customers to repay their loans may deteriorate, and in some cases this deterioration
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to repay their loans may deteriorate, and in some cases this deterioration may occur
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which would adversely impact our results of operations and financial condition. Furthermore,
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of inflation could cause wages and other costs to further increase which could
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period of inflation could cause wages and other costs to
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financial condition. Sustained higher interest rates by the Federal Reserve may
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operations and financial condition. Sustained higher interest rates by
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be needed to tame persistent inflationary price
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the Federal Reserve may be needed to tame persistent inflationary price
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pressures, which could push down asset prices and weaken economic
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pressures, which could push down asset prices and
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United States and our markets could result in an increase in loan delinquencies
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A deterioration in economic conditions in the United States and our markets could result in
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in loan delinquencies and non-performing assets, decreases in loan collateral
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collateral values and a decrease in demand for our products and services, all of
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values and a decrease in demand for our products
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and services, all of which, in turn, would adversely affect our business,
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Our profitability and the success of our business depends substantially on the
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Our profitability and the success of our business depends substantially on the general
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general economic conditions of the States of Florida
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likely aggravate the adverse effects of these difficult
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A portion of our investment securities portfolio (41.5%) at December 31,
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A portion of our investment securities portfolio (62.9%) at December
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2024 has been designated as available-for-sale pursuant
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31, 2025 has been designated as available-for-sale pursuant
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December 31, 2024 was approximately 31,390 shares. Due to the limited trading
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December 31, 2025 was approximately 37,371 shares. Due to the limited
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trading activity of our common stock, relativity small
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31, 2024, commercial mortgage loans comprised approximately 29.4%
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31, 2025, commercial mortgage loans comprised approximately
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. Repayment is generally dependent upon the successful operation
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. Repayment is generally dependent upon the successful operation of the borrower’s
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value based on the success of the business. At December 31, 2024, commercial
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value based on the success of the business. These loans are also sensitive to broader
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construction costs exceed estimates, the value of the property securing our
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and immigration policies, the value of the property securing our
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loan may be insufficient to ensure full repayment when
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repayment when completed through a permanent loan, sale of the property,
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completed through a permanent loan, sale of the property,
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amortizing over the loan period, but rather have a balloon payment due
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amortizing over the loan period but rather have a balloon payment due at maturity.
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At December 31, 2024, HELOCs comprised approximately 8.3% of
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At December 31, 2025, HELOCs comprised approximately 9.5% of
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December 31, 2024, consumer loans comprised approximately 7.6%
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December 31, 2025, consumer loans comprised approximately 7.2%
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making up a majority of this portfolio at approximately 87.9% of the total balance.
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making up a majority of this portfolio at approximately 85.9% of the total balance.
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At December 31, 2024, approximately 85.3% of our loans included real estate as a primary,
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At December 31, 2025, approximately 85.7% of our loans included real estate as a primary,
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or loss on loans originated by us. Severe weather
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further losses due to the decline in the value of the properties underlying our
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suffer further losses due to the decline in the value of the properties underlying
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As of this same date, approximately 8.3% was secured by property under construction.
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As of this same date, approximately 5.8% was secured by property under construction.
Showing the first 40 of 203 pairs. Open the source sections for the rest.
Rearranged current paragraphs (15)
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interest-earning assets than interest-bearing liabilities
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changes in interest rates, which are affected by factors beyond
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economies of scale to mitigate cost pressures compared to larger
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further increase which could adversely affect our results of
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with the ownership of real property as a
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to store sensitive data, including our proprietary business information
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or to introduce viruses or other malware programs to our
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material adverse effect on our business, financial condition,
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impact of the incident on our business, financial condition, and results of
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and adversely affecting our business, financial condition,
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the activity of financial technology companies has grown significantly over recent
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intermediation, including distributed ledgers such as digital assets and blockchain,
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Company’s, or its third-party providers’,
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have a material adverse effect on our business, financial
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approval of mergers, acquisitions or other extraordinary
Rearranged previous paragraphs (17)
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changes in the United States and other financial markets. Our net interest income
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liabilities than interest-earning assets reprice or mature during a time when
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adversely affect our results of operations and
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the risk characteristics of various classifications of loans;
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with the ownership of real property
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foregoing could have a material adverse effect on our
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business, financial condition, and results of operations.
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turn, could have an adverse effect on our financial condition and
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malware programs to our information systems, the
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our operations and those of our customers; (ii) result
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our business, financial condition, and results of
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In particular, the activity of financial technology
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our Chairman, President and Chief Executive Officer
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tangible book value and net income per common share may occur in
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cost savings, increases in geographic or product
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a material adverse effect on our business, financial
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business, financial condition and results of operations.