CCBG · CIK 0000726601
What Capital City Bank Group, Inc. told the SEC could break it.
Capital City Bank's disclosures revolve around a loan book concentrated in Florida and Georgia real estate, with about 85.7% of its loans backed by real estate collateral, so a regional downturn would weigh heavily on losses. That concentration amplifies its other flags: severe weather in its markets has driven significantly higher property-insurance premiums for customers, which could depress real estate sales and the collateral values securing its loans, and a slice of its construction loans face cost-overrun risk from tariff, trade and immigration policy. Separately, 62.9% of its investment securities are available-for-sale, so interest-rate-driven declines in their fair value reduce shareowners' equity.
4 self-disclosed vulnerabilities, pulled from its own filings, each in the company’s words, with the source. This is the risk register almost nobody reads.
In its own words
What could break it.
Geographic concentration
- loans concentrated in Florida/Georgia real estate (85.7% RE collateral)high
CCBG's interest-earning assets are heavily concentrated in mortgage loans secured by Florida and Georgia real estate, with ~85.7% of loans including real estate as collateral — elevated regional loss risk.
“Our interest-earning assets are heavily concentrated in mortgage loans secured by real estate, particularly real estate located in Florida and Georgia. At December 31, 2025, approximately 85.7% of our loans included real estate as a primary, secondary, or tertiary component of collateral.”
Climate & physical
- Florida/Georgia weather exposure & rising property insurance costsmedium
Severe weather events in CCBG's markets have driven significantly higher property and casualty insurance premiums for customers, which may depress real estate sales and collateral values securing the bank's loans.
“many of our customers have incurred significantly higher property and casualty insurance premiums on their properties located in our markets, which may adversely affect real estate sales and values in our markets.”
Liquidity & debt
- interest-rate risk; AFS securities (62.9% of portfolio)medium
62.9% of CCBG's investment securities are designated available-for-sale, so interest-rate-driven declines in their fair value reduce shareowners' equity.
“A portion of our investment securities portfolio (62.9%) at December 31, 2025 has been designated as available-for-sale pursuant to U.S. generally accepted accounting principles”
SEC filing →As of 2026
Regulatory & policy
- construction-loan cost overruns from tariff/trade/immigration policymedium
Construction loans (5.8% of the portfolio) face cost-overrun risk from factors including tariff, trade and immigration policies, which could leave collateral insufficient to repay the loan.
“If our estimate is inaccurate or if actual construction costs exceed estimates, which could be impacted by factors outside of our control, including tariff, trade, and immigr”
SEC filing →As of 2026
The hidden graph
Who it depends on, and who depends on it.
Relationships surfaced from filings, including ones disclosed by the other side, which is how the non-obvious ones come to light.
Its suppliers
“We offer our customers retail investment products through LPL Financial. LPL offers a full line of retail securities products, including U.S. Government bonds, tax-free municipal bonds, stocks, mutual funds, unit investment trusts, annuities, life insurance and long-term health care.”
Cited →
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