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; supply

-demand imbalances and general economic conditions

affecting local real estate prices and a general deterioration

in commercial real estate market fundamentals;

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

(including impacts related to the conflict in the Middle East and resulting

disruptions to energy and other commodities markets and

supply chains), 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, 2025 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.