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, including the impact of generative artificial intelligence; 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 tariffs or trade wars

(including potential resulting reduced consumer spending, lower economic

growth or recession, reduced demand for U.S. exports,

disruptions to supply chains, and decreased demand for other banking

products and services), government intervention in the U.S.

financial system; policies related to credit card interest rates, and legislative,

regulatory or supervisory actions related to so‑called

“de‑banking,” including any new prohibitions, requirements or enforcement

priorities that could affect customer relationships,

compliance obligations, or operational practices; 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.