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

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;

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;

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;

increased

competition

and

its effect

on deposit

fees; 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;

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

institutions;

volatility and

disruption in national

and

international

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

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,”

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

conflicts

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

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.