Item 7.01 Regulation FD Disclosure

Reference is made to the Current Report on Form 8-K of Capstar Financial Holdings, Inc. (The "Company") filed on January 20, 2023 reporting in part that the Company would conduct a conference call later that day to review the financial results for the fourth quarter and full year ended December 31, 2022 (the "Earnings Call"). During the Earnings Call, the Company's Officers discussed the reported GAAP net interest margin for the quarter (3.44%) as well as the month of December (3.35%). For greater context, these percentages include prior period interest reversals totaling approximately $324,000 in December and $266,000 for the fourth quarter related to reclassifying loans to non-performing status. Adjusting for these interest reversals, the net interest margin for both December and the fourth quarter would have been 3.48%, a modest decline from 3.50% in the third quarter of 2022.

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