construction of a new office, office remodeling, office equipment/furniture, and technology purchases. Management expects that these capital expenditures will be funded with existing resources without impairing our ability to meet our ongoing obligations.

filing / Jul 29, 2026 / receipt

Existing and new offices can operate with fewer positions where ITMs are deployed

ir_statement / Sep 17, 2026 / receipt

Expand ITM locations

ir_statement / Sep 17, 2026 / receipt

Replaced account opening platform to increase efficiency, better serve new and existing clients, and enhance detection of potential fraud activity

ir_statement / Sep 17, 2026 / receipt

Seek opportunities for scalability, flexibility, and cost-efficiency in digital applications and services

ir_statement / Sep 17, 2026 / receipt

2025 deposit growth of $26 million in this market attributed to new strategic retail locations and hiring local talent expertise

ir_statement / Sep 17, 2026 / receipt

Commercial goods and services are expanding in the Watersound West Bay Center located at the entrance to community, which includes a Capital City Bank office that opened in 2025.

ir_statement / Sep 17, 2026 / receipt

Georgia home to numerous corporate HQs, relocations and expansions

ir_statement / Sep 17, 2026 / receipt

Reduce Expenses

ir_statement / Sep 17, 2026 / receipt

Replaced account opening platform to increase efficiency, better serve new and existing clients, and enhance detection of potential fraud activity

ir_statement / Sep 17, 2026 / receipt

Seek opportunities for scalability, flexibility, and cost-efficiency in digital applications and services

ir_statement / Sep 17, 2026 / receipt

Utilize enterprise automation solutions to streamline business processes

ir_statement / Sep 17, 2026 / receipt