What US banks say about AI in their annual reportsThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results., 2022 to 2025
325 banks, 1,232 annual reports and 10,818 quarterly reports and earnings materials. Data as of 6 Oct 2026.
Start with a question
How many banks mention AI?239 of 270 banks in the latest reportsSee the banksWhich banks say they are using AI now?39 of 270 banks in the latest reportsSee the banksWhich banks mention AI agents?29 of 270 banks in the latest reportsSee the banksWhich banks list AI as a risk but do not say how they control it?145 of 270 banks in the latest reportsSee the banksWhich banks explain how they control AI?87 of 270 banks in the latest reportsSee the banksWhat do banks use AI for?Top use: operationsSee the banksWhich AI companies do banks name?4 of 270 banks name oneSee the banksWhat changed in this year's reports?50 banks mention AI for the first timeSee the banks
This quarter: Q2 2026 earnings season
37 of 242 banks that have reported (15%) mention AI in their earnings materials. The newest concrete examples:
40.1K interactions with CashPro® Chat, supported by Erica® technology
~200K active users generating >400K prompts per day • >2K departmental AI templates in use leveraging general purpose AI productivity tools
Empire AI Beta: • Second phase deployment underway at SUNY Buffalo • Powered by NVIDIA AI Hardware; expected to place among the most advanced academic AI systems in the world.
See everything banks said this quarter
How many banks mention AI
- What this shows
- How many US banks mention AI in their annual reports, each report year from 2022 to 2025, by bank size.
- What it means
- In the 2025 reports, 239 of 270 banks (89%) mention AI. In the 2022 reports it was 32 of 298 (11%).
- How to read it
- Each line is a bank size. Hover or tap a point to see the number of banks.
- 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 | Bank size | Banks that mention AI |
|---|---|---|
| 2022 | All banks | 32 of 298 (11%) |
| 2022 | $50B and above | 17 of 39 (44%) |
| 2022 | $1B to $50B | 15 of 241 (6%) |
| 2022 | Under $1B | 0 of 17 (0%) |
| 2023 | All banks | 123 of 297 (41%) |
| 2023 | $50B and above | 34 of 40 (85%) |
| 2023 | $1B to $50B | 87 of 243 (36%) |
| 2023 | Under $1B | 1 of 13 (8%) |
| 2024 | All banks | 195 of 284 (69%) |
| 2024 | $50B and above | 42 of 43 (98%) |
| 2024 | $1B to $50B | 151 of 230 (66%) |
| 2024 | Under $1B | 2 of 11 (18%) |
| 2025 | All banks | 239 of 270 (89%) |
| 2025 | $50B and above | 43 of 43 (100%) |
| 2025 | $1B to $50B | 191 of 221 (86%) |
| 2025 | Under $1B | 5 of 6 (83%) |
New this year
- What this shows
- Five of the most specific statements about AI in the 2025 annual reports.
- What it means
- A small number of banks give concrete detail, such as named tools, user numbers or results. Most say much less.
- How to read it
- Each quote is copied exactly from the report. Follow the link to read it in context.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
in 2025 we rolled out three training modules for employees to complete in order to gain access to our artificial intelligence (“AI”) tool Microsoft Co-Pilot.
The Company’s deployment of artificial intelligence at this time is generally limited to internally focused, assistive productivity tools such as Microsoft Copilot.
Capital Bank uses data analytics, including AI and proprietary models, throughout the OpenSky™ customer lifecycle to support fraud prevention and credit decisioning.
we recently launched a new money management tool that includes AI-enabled cash flow forecasting
Fifth Third launched a comprehensive platform designed to deliver leadership development content and experiences for leaders at all levels. Several new development offerings were launched, including generative Artificial Intelligence (“AI”) training