Risks associated with the development and use of artificial intelligence;
Sees AI as a riskDetail: GeneralSame as last period
Capital City Bank Group Inc
CCBG · FL · Mid-size bank ($1B to $50B)
Total assets of FDIC-insured bank subsidiaries: $4.4B at the end of 2025
Filings on the SEC website · This bank on Bankgraph
In short. In its 2025 annual report, Capital City Bank Group Inc mentions AI in 18 passages. It lists AI as a risk and explains how AI is controlled. Compared with banks of its size, it gives more detail than most.
In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
Yes
18 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
Names an area
What it says
Sees AI as a risk; Standard wording or passing mention; General statement about AI; Explains how AI is controlled
Kinds of AI named
AI agents, Generative AI, Machine learning
How AI is controlled
Model risk management
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2025, by what they say.
- What it means
- 0 passages in 2022, 18 passages in 2025.
- How to read it
- Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
|---|---|---|---|---|
| 2022 | ||||
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Compared with banks of its size
- What this shows
- This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
- What it means
- Its most specific passage is "Names an area"; for banks of its size the typical level is "General".
- How to read it
- Yes or no for this bank; the share of banks of the same size for comparison.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
| In the 2025 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 26 of 221 (12%) |
| Explains how AI is controlled | Yes | 55 of 221 (25%) |
| Sees AI as a risk | Yes | 184 of 221 (83%) |
| Mentions generative AI | Yes | 112 of 221 (51%) |
| Mentions AI agents | Yes | 18 of 221 (8%) |
What changed from 2024
18 passages new in the 2025 report, 2 passages from the 2024 report no longer there. The most specific passage is more detailed than last year.
Every passage about AI
- What this shows
- All 28 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
- What it means
- 0 passages say the bank is using AI now.
- How to read it
- Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
- Where it comes from
- Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Quarterly report, Q2 2026 filed 29 Jul 2026
Quarterly report, Q1 2026 filed 28 Apr 2026
Risks associated with the development and use of artificial intelligence;
Sees AI as a riskDetail: GeneralNew this period
Earnings release, Q1 2026 filed 20 Apr 2026
artificial intelligence; the costs and effects of cyber incidents
Sees AI as a riskDetail: GeneralNew this periodNew since the annual report
Annual report, report year 2025 filed 27 Feb 2026
be exacerbated by recent developments in artificial intelligence and their increased
Sees AI as a riskDetail: GeneralNew this year
incidents by parties using fraudulent e-mails, artificial intelligence,
Sees AI as a riskDetail: GeneralNew this year
advancement of artificial intelligence.
Standard wording or passing mentionDetail: GeneralNew this year
The development and use of Artificial Intelligence (“AI”) presents risks
Sees AI as a riskDetail: GeneralNew this year
in AI, including with agentic AI. Our
General statement about AIDetail: GeneralAI agentsNew this year
operation of AI models and
Standard wording or passing mentionDetail: GeneralNew this year
AI technology
Standard wording or passing mentionDetail: GeneralNew this year
business processes, services, or products. The development and use of AI
Sees AI as a riskDetail: GeneralNew this year
business. The legal and regulatory environment relating to AI is uncertain
Sees AI as a riskDetail: GeneralNew this year
and includes regulatory schemes targeted specifically at AI as well as provisions in intellectual
Sees AI as a riskDetail: GeneralNew this year
consumer protection, employment, and other laws applicable to the use of AI.
Sees AI as a riskDetail: GeneralNew this year
changes in our implementation of AI technology and increase our compliance costs and
Sees AI as a riskDetail: GeneralNew this year
the risks to us of non- compliance. AI
Sees AI as a riskDetail: GeneralNew this year
models, particularly generative or agentic AI models, may produce outputs or
Sees AI as a riskDetail: GeneralGenerative AIAI agentsNew this year
of many AI models
Standard wording or passing mentionDetail: GeneralMachine learningNew this year
associated with assessing the proper operation of AI models, understanding
Explains how AI is controlledDetail: Names an areaMachine learningNew this year
capabilities of the AI models,
Standard wording or passing mentionDetail: GeneralMachine learningNew this year
we may rely on AI models developed by third
Sees AI as a riskDetail: GeneralNew this year
Earnings release, Q4 2025 filed 27 Jan 2026
technological changes, including the impact of generative artificial intelligence; the
Sees AI as a riskDetail: GeneralGenerative AINew this periodNew since the annual report
Annual report, report year 2024 filed 11 Mar 2025
threats may be exacerbated by recent developments in artificial intelligence and
Sees AI as a riskDetail: GeneralNew this year
using fraudulent e-mails, artificial intelligence, and other communications
Sees AI as a riskDetail: GeneralSame as last year
Annual report, report year 2023 filed 12 Jul 2024
using fraudulent e-mails, artificial intelligence, and other communications
Sees AI as a riskDetail: GeneralNew this year
technologies, including artificial intelligence, analytic capabilities, self-
Standard wording or passing mentionDetail: GeneralNew this year
Annual report, report year 2023 filed 13 Mar 2024
using fraudulent e-mails, artificial intelligence, and other communications
Sees AI as a riskDetail: GeneralNew this year
technologies, including artificial intelligence, analytic capabilities, self-
Standard wording or passing mentionDetail: GeneralNew this year
1 passage in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
Risks associated with the development and use of artificial intelligence;
New this year