5
About Capital City Bank Group, Inc.
Capital City Bank Group, Inc. (NASDAQ: CCBG) is one of the largest
publicly traded financial holding companies headquartered
in Florida and has approximately $4.5
billion in assets.
We provide
a full range of banking services, including traditional deposit
and credit services, mortgage banking, asset management, trust, merchant
services, bankcards,
and securities brokerage services.
Our bank subsidiary,
Capital City Bank, was founded in 1895 and has 62 banking offices and 107
ATM
s/ITMs in Florida, Georgia
and Alabama.
For more information about Capital City Bank Group, Inc., visit
https://www.ccbg.com/
.
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.