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Capital City Bank Group CCBG Loan modifications made to borrowers experiencing financial difficulty

Loan modifications made to borrowers experiencing financial difficulty at other companies

OceanFirst Financial logo
OceanFirst FinancialOCFC
$20.5M-42.9%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$2M—
Simmons First National logo
Simmons First NationalSFNC
0.3—
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
1+33.3%
Equitable Holdings logo
Equitable HoldingsEQH
2—
Dime Community Bancshares logo
Dime Community Bancshares DCOM
$94.6M+4.4%

Other financials

Income statement

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Revenue$62.8M+2.1%
Net income$15.8M-6.2%
EPS (diluted)$0.92-7.1%

Balance sheet

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Cash & equivalents$489.0M-6.8%
Total debt$60.3M-8.3%
Total equity$559.9M+9.2%
Total assets$4.5B-0.2%

Cash flow

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Operating cash flow$15.9M-27.1%
CapEx$1.3M-46.3%
Free cash flow$14.7M-24.8%

Valuation

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Market cap$830.44M+32.0%
Enterprise value$401.79M+136%
P/E13.7×+2.7×
P/S3.3×+0.6×

Profitability

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Net margin23.7%-0.1pp
FCF margin29.5%+3.6pp

Returns & leverage

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Return on equity11.3%-0.6pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Capital City Bank Group in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestModifiedAccumulated.

The official record: Capital City Bank Group’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Capital City Bank Group's loan modifications made to borrowers experiencing financial difficulty?
Capital City Bank Group (CCBG) reported loan modifications made to borrowers experiencing financial difficulty of $2M in Q1 2026.
What does loan modifications made to borrowers experiencing financial difficulty mean?
This metric quantifies the volume of loans that have undergone formal modifications due to the borrower experiencing financial difficulty, such as interest rate reductions or term extensions. These are often referred to as troubled debt restructurings and reflect the bank's efforts to mitigate losses on distressed assets. It is a vital indicator of the underlying health of the loan portfolio.