CAPITAL CITY BANK GROUP INC

FORWARD

-LOOKING STATEMENTS

Forward-looking statements in this Press Release are based on current plans

and expectations that are subject to uncertainties and

risks, which could cause our future results to differ materially.

The words “may,” “could,” “should,”

“would,” “believe,”

“anticipate,” “estimate,” “expect,” “intend,” “plan,” “target,” “vision,”

“goal,” and similar expressions are intended to identify

forward-looking statements. The following factors, among others, could cause our actual

results to differ: the effects of and changes

in trade and monetary and fiscal policies and laws, including the interest rate policies of

the Federal Reserve Board; inflation,

interest rate, market and monetary fluctuations; local, regional, national, and international

economic conditions and the impact they

may have on us and our clients and our assessment of that impact; the costs and

effects of legal and regulatory developments, the

outcomes of legal proceedings or regulatory or other governmental inquiries,

the results of regulatory examinations or reviews and

the ability to obtain required regulatory approvals; the effect of

changes in laws and regulations (including laws and regulations

concerning taxes, banking, securities, and insurance) and their application

with which we and our subsidiaries must comply; the

effect of changes in accounting policies and practices, as may

be adopted by the regulatory agencies, as well as other accounting

standard setters; the accuracy of our financial statement estimates and assumptions;

changes in the financial performance and/or

condition of our borrowers; changes in the mix of loan geographies, sectors and

types or the level of non-performing assets and

charge-offs; changes in estimates of future credit

loss reserve requirements based upon the periodic review thereof under relevant

regulatory and accounting requirements; changes in our liquidity position;

the timely development and acceptance of new products

and services and perceived overall value of these products and services by users;

changes in consumer spending, borrowing, and

saving habits; greater than expected costs or difficulties related to the

integration of new products and lines of business;

technological changes; the costs and effects of cyber

incidents or other failures, interruptions, or security breaches of our systems or

those of our customers or third-party providers; dispositions (including

the impact from the sale of our insurance subsidiary)

acquisitions and integration of acquired businesses; impairment of our

goodwill or other intangible assets; changes in the reliability

of our vendors, internal control systems, or information systems; our ability

to increase market share and control expenses; our

ability to attract and retain qualified employees; changes in our organization,

compensation, and benefit plans; the soundness of

other financial institutions; volatility and disruption in national and international

financial and commodity markets; changes in the

competitive environment in our markets and among banking organizations

and other financial service providers; action or inaction

by the federal government, including as a result of any prolonged government

shutdown or government intervention in the U.S.

financial system; the effects of natural disasters (including

hurricanes), widespread health emergencies (including pandemics),

military conflict, terrorism, civil unrest, climate change or other geopolitical events;

our ability to declare and pay dividends;

structural changes in the markets for origination, sale and servicing of residential

mortgages; any inability to implement and maintain

effective internal control over financial reporting and/or disclosure

control; negative publicity and the impact on our reputation; and

the limited trading activity and concentration of ownership of our common

stock. Additional factors can be found in our Annual

Report on Form 10-K for the fiscal year ended December 31, 2024

and our other filings with the SEC, which are available at the

SEC’s internet site (

https://www.sec.gov

).

Forward-looking statements in this Press Release speak only as of the date of the Press

Release, and we assume no obligation to update forward-looking statements

or the reasons why actual results could differ,

except as

may be required by law.