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,”

“will,” “project,” “continue,”

“outlook,”

“approximate,”

“seasonal,”

“future” and

similar expressions are intended

to identify forward

-looking statements.

The following

factors, among

others, could cause

our actual

results to differ: the

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

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;

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 customer

s

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 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

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 information

regarding

these and

other risks and uncertainties

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.