[ { "slug": "1st-source-corp", "name": "1ST Source Corp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "1st-source-corp", "name": "1ST Source Corp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "security breaches, ransomware, denial of service attacks, viruses, worms, use of artificial intelligence and other disruptive problems caused by hackers", "link": "https://www.sec.gov/Archives/edgar/data/34782/000003478224000033/source-20231231.htm#:~:text=Technology%20security%20breaches%20%E2%80%94%20Information%20security%20risks%20have,address%20all%20potential%20material%20adverse%20impacts." } }, { "slug": "1st-source-corp", "name": "1ST Source Corp", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "use of artificial intelligence and other disruptive problems caused by hackers", "link": "https://www.sec.gov/Archives/edgar/data/34782/000003478225000025/source-20241231.htm#:~:text=Technology%20security%20breaches%20%E2%80%94%20Information%20security%20risks%20have,address%20all%20potential%20material%20adverse%20impacts." } }, { "slug": "1st-source-corp", "name": "1ST Source Corp", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We are in the early stages of incorporating AI into our business activities to increase employee productivity. We have not yet deployed AI-driven systems in critical decision-making or client-facing processes.", "link": "https://www.sec.gov/Archives/edgar/data/34782/000003478226000011/source-20251231.htm#:~:text=In%20addition%2C%20our%20implementation%20of%20certain%20new%20technologies%2C,exposure%20to%20legal%20or%20regulatory%20proceedings." } }, { "slug": "acnb-corp", "name": "Acnb Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "acnb-corp", "name": "Acnb Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "ACNB’s customers and potential customers may express adverse opinions concerning its use of AI and machine learning that could result in brand or reputational harm, competitive harm, or legal liability.", "link": "https://www.sec.gov/Archives/edgar/data/715579/000071557924000028/acnb-20231231.htm#:~:text=Data%20practices%20by%20ACNB%20or%20others%20that%20result,ACNB%20may%20need%20to%20increase%20the" } }, { "slug": "acnb-corp", "name": "Acnb Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "ACNB’s customers and potential customers may express adverse opinions concerning its use of AI and machine learning that could result in brand or reputational harm, competitive harm, or legal liability.", "link": "https://www.sec.gov/Archives/edgar/data/715579/000071557925000030/acnb-20241231.htm#:~:text=Data%20practices%20by%20ACNB%20or%20others%20that%20result,incorporate%20AI%20more%20quickly%20or%20successfully." } }, { "slug": "acnb-corp", "name": "Acnb Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "ACNB’s customers and potential customers may express adverse opinions concerning its use of AI and machine learning that could result in brand or reputational harm, competitive harm, or legal liability.", "link": "https://www.sec.gov/Archives/edgar/data/715579/000162828026017229/acnb-20251231.htm#:~:text=Data%20practices%20by%20ACNB%20or%20others%20that%20result,incorporate%20AI%20more%20quickly%20or%20successfully." } }, { "slug": "alerus-financial-corp", "name": "Alerus Financial Corp", "state": "ND", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "alerus-financial-corp", "name": "Alerus Financial Corp", "state": "ND", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the occurrence of fraudulent activity, breaches or failures of the Company’s information security controls or cybersecurity-related incidents, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/903419/000155837024002829/alrs-20231231x10k.htm#:~:text=%E2%97%8F%20the%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,incidents%2C%20including%20those%20employing%20artificial%20intelligence%3B" } }, { "slug": "alerus-financial-corp", "name": "Alerus Financial Corp", "state": "ND", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the occurrence of fraudulent activity, breaches or failures of the Company’s or its third party vendors’ information security controls or cybersecurity-related incidents, including those employing artificial intelligence or resulting from insider fraud", "link": "https://www.sec.gov/Archives/edgar/data/903419/000143774925007629/alrs20241231_10k.htm#:~:text=%E2%97%8F%20the%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,intelligence%20or%20resulting%20from%20insider%20fraud%3B" } }, { "slug": "alerus-financial-corp", "name": "Alerus Financial Corp", "state": "ND", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the occurrence of fraudulent activity, breaches or failures of the Company’s or its third-party vendors’ information security controls or cybersecurity-related incidents, including those employing artificial intelligence or resulting from insider fraud", "link": "https://www.sec.gov/Archives/edgar/data/903419/000143774926006820/alrs20251231_10k.htm#:~:text=%E2%97%8F%20the%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,intelligence%20or%20resulting%20from%20insider%20fraud%3B" } }, { "slug": "american-express-co", "name": "American Express Co", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "we utilize artificial intelligence and machine learning (AI/ML) models for a variety of business use cases. We perform extensive reviews and testing to reduce the risk that these AI/ML techniques result in adverse consequences.", "link": "https://www.sec.gov/Archives/edgar/data/4962/000000496223000006/axp-20221231.htm#:~:text=The%20Enterprise%2DWide%20Model%20Risk%20Policy%20establishes%20the%20comprehensive,AI%2FML%20techniques%20result%20in%20adverse%20consequences." } }, { "slug": "american-express-co", "name": "American Express Co", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we utilize artificial intelligence and machine learning (AI/ML) models for a variety of business use cases. We perform extensive reviews and testing to reduce the risk that these AI/ML techniques result in adverse consequences.", "link": "https://www.sec.gov/Archives/edgar/data/4962/000000496224000013/axp-20231231.htm#:~:text=The%20Enterprise%2DWide%20Model%20Risk%20Policy%20establishes%20the%20comprehensive,AI%2FML%20techniques%20result%20in%20adverse%20consequences." } }, { "slug": "american-express-co", "name": "American Express Co", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have established, and continue to maintain, policies and a governance framework to comply with applicable privacy, data protection, data management, artificial intelligence, resiliency, information security and cybersecurity laws and requirements", "link": "https://www.sec.gov/Archives/edgar/data/4962/000000496225000016/axp-20241231.htm#:~:text=Regulatory%20and%20legislative%20activity%20in%20the%20areas%20of,our%20business%20and%20heightened%20regulatory%20scrutiny." } }, { "slug": "american-express-co", "name": "American Express Co", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "We have established, and continue to maintain, policies and a governance framework to comply with applicable laws and requirements in these areas, meet evolving customer and industry expectations and support and enable business innovation and growth", "link": "https://www.sec.gov/Archives/edgar/data/4962/000000496226000080/axp-20251231.htm#:~:text=Regulatory%20and%20legislative%20activity%20in%20the%20areas%20of,our%20business%20and%20heightened%20regulatory%20scrutiny." } }, { "slug": "american-national-bankshares-inc", "name": "American National Bankshares Inc.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "american-national-bankshares-inc", "name": "American National Bankshares Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ameriserv-financial-inc-pa", "name": "Ameriserv Financial Inc", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ameriserv-financial-inc-pa", "name": "Ameriserv Financial Inc", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ameriserv-financial-inc-pa", "name": "Ameriserv Financial Inc", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ameriserv-financial-inc-pa", "name": "Ameriserv Financial Inc", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "Emerging technologies, such as artificial intelligence (including machine learning, generative artificial intelligence and agentic artificial intelligence tools) and quantum computing, have the potential to intensify competition and accelerate disruption in the financial services industry.", "link": "https://www.sec.gov/Archives/edgar/data/707605/000110465926031270/asrv-20251231x10k.htm#:~:text=Technology%20and%20other%20changes%20are%20allowing%20consumers%20and,disruption%20in%20the%20financial%20services%20industry." } }, { "slug": "ames-national-corp", "name": "Ames National Corp", "state": "IA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ames-national-corp", "name": "Ames National Corp", "state": "IA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ames-national-corp", "name": "Ames National Corp", "state": "IA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ames-national-corp", "name": "Ames National Corp", "state": "IA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Use of artificial intelligence may result in reputational harm or liability, or could otherwise adversely affect the Company’s business.", "link": "https://www.sec.gov/Archives/edgar/data/1132651/000143774926007976/atlo20251231_10k.htm#:~:text=Use%20of%20artificial%20intelligence%20may%20result%20in%20reputational,otherwise%20adversely%20affect%20the%20Company%E2%80%99s%20business." } }, { "slug": "arrow-financial-corp", "name": "Arrow Financial Corp", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "arrow-financial-corp", "name": "Arrow Financial Corp", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "arrow-financial-corp", "name": "Arrow Financial Corp", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning", "mentions_genai" ], "quote": { "quote": "In particular the use or implementation of AI and generative AI technologies can have a significant impact. Arrow is still evaluating the potential threats and uses of this technology.", "link": "https://www.sec.gov/Archives/edgar/data/717538/000071753825000023/arow-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20faced%20with%20technological,threats%20and%20uses%20of%20this%20technology." } }, { "slug": "arrow-financial-corp", "name": "Arrow Financial Corp", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "In addition to risks associated with direct adoption of AI applications by us, we face the risk of associates utilizing unauthorized publicly sourced AI tools to complete business functions.", "link": "https://www.sec.gov/Archives/edgar/data/717538/000071753826000037/arow-20251231.htm#:~:text=In%20particular%20the%20use%20or%20implementation%20of%20artificial,threats%20and%20uses%20of%20this%20technology." } }, { "slug": "associated-banc-corp", "name": "Associated Banc-Corp", "state": "WI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "associated-banc-corp", "name": "Associated Banc-Corp", "state": "WI", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customer’s experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/7789/000000778924000009/asb-20231231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business." } }, { "slug": "associated-banc-corp", "name": "Associated Banc-Corp", "state": "WI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The regulatory framework around the development and use of these emerging technologies is rapidly evolving, and many federal, state and foreign government bodies and agencies have introduced and/or are currently considering additional laws and regulations.", "link": "https://www.sec.gov/Archives/edgar/data/7789/000000778925000013/asb-20241231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business." } }, { "slug": "associated-banc-corp", "name": "Associated Banc-Corp", "state": "WI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customers’ experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business." } }, { "slug": "auburn-national-bancorporation-inc", "name": "Auburn National Bancorporation, Inc", "state": "AL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "auburn-national-bancorporation-inc", "name": "Auburn National Bancorporation, Inc", "state": "AL", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "auburn-national-bancorporation-inc", "name": "Auburn National Bancorporation, Inc", "state": "AL", "year": 2024, "size_group": "Under $1B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "artificial intelligence, cyber", "link": "https://www.sec.gov/Archives/edgar/data/750574/000119312525051574/d889705d10k.htm#:~:text=including-,artificial%20intelligence%2C%20cyber" } }, { "slug": "auburn-national-bancorporation-inc", "name": "Auburn National Bancorporation, Inc", "state": "AL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including through the use of artificial intelligence and state sponsorship", "link": "https://www.sec.gov/Archives/edgar/data/750574/000119312526111012/d87304d10k.htm#:~:text=including%20through%20the%20use%20of%20artificial%20intelligence%20and%20state%20sponsorship" } }, { "slug": "ally-financial-inc", "name": "Ally Financial Inc.", "state": "MI", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ally-financial-inc", "name": "Ally Financial Inc.", "state": "MI", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We recognize that cyber-related risks continue to evolve, including through the emergence of artificial intelligence, and have become increasingly sophisticated.", "link": "https://www.sec.gov/Archives/edgar/data/40729/000004072924000004/ally-20231231.htm#:~:text=Cybersecurity%20and%20the%20continued%20enhancement%20of%20our%20controls%2C,be%20sufficient%20to%20cover%20all%20losses." } }, { "slug": "ally-financial-inc", "name": "Ally Financial Inc.", "state": "MI", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "our utilization of artificial intelligence technologies could result in content or analyses that are inaccurate or deficient", "link": "https://www.sec.gov/Archives/edgar/data/40729/000004072925000006/ally-20241231.htm#:~:text=As%20a%20digital%20financial%2Dservices%20company%20and%20a%20direct,the%20practical%20availability%20of%20an%20alternative." } }, { "slug": "ally-financial-inc", "name": "Ally Financial Inc.", "state": "MI", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "advancing technology that powers dealer and consumer centric products and services leveraging our ongoing investment in data and AI", "link": "https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm#:~:text=Our%20long%2Dterm%20strategic%20objectives%20are%20centered%20around%20%281%29,implementation%20of%20AI%20and%20automation%20solutions." } }, { "slug": "amalgamated-financial-corp", "name": "Amalgamated Financial Corp.", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "amalgamated-financial-corp", "name": "Amalgamated Financial Corp.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "if our competitors introduce new banking products and services embodying new technologies such as artificial intelligence and machine learning, or if new banking industry standards and practices emerge, then our existing product and service offerings, technology and systems may be impaired or", "link": "https://www.sec.gov/Archives/edgar/data/1823608/000182360824000076/amal-20231231.htm#:~:text=We%20will%20have%20to%20respond%20to%20future%20technological,difficult%20or%20expensive%20than%20we%20anticipate." } }, { "slug": "amalgamated-financial-corp", "name": "Amalgamated Financial Corp.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Artifical Intelligence (\"AI\") models may amplify existing risks, given the increased complexity of financial modelling and the challenges in explaining the models.", "link": "https://www.sec.gov/Archives/edgar/data/1823608/000182360825000015/amal-20241231.htm#:~:text=In%20some%20cases%2C%20management%20of%20our%20risks%20depends,the%20challenges%20in%20explaining%20the%20models." } }, { "slug": "amalgamated-financial-corp", "name": "Amalgamated Financial Corp.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "The NYDFS's requirement that banks maintain a comprehensive data lineage for AI models to prove they are not inadvertently using proxies for protected classes", "link": "https://www.sec.gov/Archives/edgar/data/1823608/000182360826000048/amal-20251231.htm#:~:text=%E2%80%A2The%20NYDFS%27s%20requirement%20that%20banks%20maintain%20a%20comprehensive,codes%20as%20a%20proxy%20for%20race." } }, { "slug": "amerant-bancorp-inc", "name": "Amerant Bancorp Inc.", "state": "FL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "amerant-bancorp-inc", "name": "Amerant Bancorp Inc.", "state": "FL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "amerant-bancorp-inc", "name": "Amerant Bancorp Inc.", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Fraudsters are leveraging new technologies, including artificial intelligence, to impersonate our customers and/or steal personally identifiable information to commit fraud.", "link": "https://www.sec.gov/Archives/edgar/data/1734342/000173434225000023/amtb-20241231.htm#:~:text=We%2C%20as%20other%20financial%20institutions%2C%20are%20inherently%20exposed,payment%20transactions%20%28including%20ACH%20transactions%2C%20wire" } }, { "slug": "amerant-bancorp-inc", "name": "Amerant Bancorp Inc.", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence and automation, in our processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1734342/000173434226000017/amtb-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20rapid,our%20failure%20to%20use%20them%20effectively." } }, { "slug": "ameris-bancorp", "name": "Ameris Bancorp", "state": "GA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ameris-bancorp", "name": "Ameris Bancorp", "state": "GA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ameris-bancorp", "name": "Ameris Bancorp", "state": "GA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of artificial intelligence, including generative artificial intelligence, machine learning and similar tools and technologies that collect, aggregate, analyze or generate data or other materials or content (collectively, “AI”), for limited internal use has increased our efficiency", "link": "https://www.sec.gov/Archives/edgar/data/351569/000035156925000006/abcb-20241231.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,to%20which%20we%20are%20a%20party." } }, { "slug": "ameris-bancorp", "name": "Ameris Bancorp", "state": "GA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of artificial intelligence, including generative artificial intelligence, machine learning and similar tools and technologies that collect, aggregate, analyze or generate data or other materials or content (collectively, “AI”), for limited internal use has increased our efficiency", "link": "https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,to%20which%20we%20are%20a%20party." } }, { "slug": "atlantic-union-bankshares-corp", "name": "Atlantic Union Bankshares Corp", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "atlantic-union-bankshares-corp", "name": "Atlantic Union Bankshares Corp", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The use of artificial intelligence, “bots” or other automation software can increase the velocity and efficacy of these types of attacks.", "link": "https://www.sec.gov/Archives/edgar/data/883948/000088394824000030/aub-20231231x10k.htm#:~:text=internet%20resulting%20from%20breaches%20of%20third%2Dparty%20entities%2C%20including,to%20us%20in%20a%20timely%20manner." } }, { "slug": "atlantic-union-bankshares-corp", "name": "Atlantic Union Bankshares Corp", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The use of artificial intelligence, “bots” or other automation software can increase the velocity and efficacy of these types of attacks.", "link": "https://www.sec.gov/Archives/edgar/data/883948/000088394825000021/aub-20241231x10k.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,to%20us%20in%20a%20timely%20manner." } }, { "slug": "atlantic-union-bankshares-corp", "name": "Atlantic Union Bankshares Corp", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "Some models we use employ methodologies based on artificial intelligence or machine learning. These models may have unique complexities when compared to more traditional models, such as the need for large and representative datasets for training, the increased potential for bias, and the difficulty", "link": "https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm#:~:text=The%20use%20of%20statistical%20and%20quantitative%20models%20and,or%20other%20business%20or%20financial%20decisions." } }, { "slug": "avidbank-holdings-inc", "name": "Avidbank Holdings, Inc.", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we currently use a software product with AI technology to enhance our fraud detection capabilities for our clients’ banking activity", "link": "https://www.sec.gov/Archives/edgar/data/1443575/000143774926008852/avbh20251231_10k.htm#:~:text=We%20intend%20to%20selectively%20incorporate%20AI%20technology%20in,their%20business%20processes%2C%20services%20or%20products." } }, { "slug": "banc-of-california-inc", "name": "Banc of California, Inc.", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "banc-of-california-inc", "name": "Banc of California, Inc.", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "banc-of-california-inc", "name": "Banc of California, Inc.", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Generative artificial intelligence is further increasing risks in this area, including by making fraud detection more difficult, particularly with detection devices that use voice recognition or authentication.", "link": "https://www.sec.gov/Archives/edgar/data/1169770/000162828025009438/banc-20241231.htm#:~:text=Communications%20and%20information%20systems%20are%20essential%20to%20the,possible%20regulatory%20fines%20or%20client%20lawsuits." } }, { "slug": "banc-of-california-inc", "name": "Banc of California, Inc.", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Generative artificial intelligence is further increasing risks in this area, including by making fraud detection more difficult, particularly with detection devices that use voice recognition or authentication.", "link": "https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm#:~:text=Communications%20and%20information%20systems%20are%20essential%20to%20the,operations%20of%20our%20clients%20or%20counterparties." } }, { "slug": "bancfirst-corp-ok", "name": "BancFirst Corp", "state": "OK", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancfirst-corp-ok", "name": "BancFirst Corp", "state": "OK", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancfirst-corp-ok", "name": "BancFirst Corp", "state": "OK", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancfirst-corp-ok", "name": "BancFirst Corp", "state": "OK", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Common risks around the use of AI in certain contexts may include cybersecurity, privacy, accuracy, bias/discrimination and intellectual property risks. Regulations may limit or restrict the use of AI, or impose additional compliance requirements", "link": "https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm#:~:text=While%20the%20use%20of%20AI%20is%20not%20material,effectiveness%20of%20our%20products%20and%20services." } }, { "slug": "bancplus-corp", "name": "Bancplus Corp", "state": "MS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancplus-corp", "name": "Bancplus Corp", "state": "MS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancplus-corp", "name": "Bancplus Corp", "state": "MS", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancplus-corp", "name": "Bancplus Corp", "state": "MS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services, including recent rapid developments in artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1118004/000119312526098059/ck0001118004-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,such%20challenges%20in%20a%20timely%20manner." } }, { "slug": "bank-of-america-corp-de", "name": "Bank of America Corp", "state": "NC", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "The proliferation of third-party financial data aggregators and emerging technologies, including our use of automation, artificial intelligence (AI) and robotics, increase our cybersecurity risks and exposure.", "link": "https://www.sec.gov/Archives/edgar/data/70858/000007085823000092/bac-20221231.htm#:~:text=Our%20cybersecurity%20risk%20and%20exposure%20remains%20heightened%20because,increase%20our%20cybersecurity%20risks%20and%20exposure." } }, { "slug": "bank-of-america-corp-de", "name": "Bank of America Corp", "state": "NC", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Under our Enterprise Model Risk Policy, Model Risk Management is required to perform model oversight, including independent validation before initial use, ongoing monitoring reviews through outcomes analysis and benchmarking, and periodic revalidation.", "link": "https://www.sec.gov/Archives/edgar/data/70858/000007085824000122/bac-20231231.htm#:~:text=We%20use%20models%20extensively%20to%20forecast%20losses%2C%20project,rely%20on%20AI%20or%20machine%20learning." } }, { "slug": "bank-of-america-corp-de", "name": "Bank of America Corp", "state": "NC", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "models are subject to inherent limitations from simplifying assumptions, uncertainty regarding economic and financial outcomes, and emerging risks, including from applications that rely on AI.", "link": "https://www.sec.gov/Archives/edgar/data/70858/000007085825000139/bac-20241231.htm#:~:text=We%20use%20models%20enterprise%2Dwide%2C%20including%20to%20forecast%20losses%2C,from%20applications%20that%20rely%20on%20AI." } }, { "slug": "bank-of-america-corp-de", "name": "Bank of America Corp", "state": "NC", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_agentic" ], "quote": { "quote": "Under our Enterprise Model Risk Policy, Model Risk Management is required to perform end-to-end model oversight, including independent validation before initial use, implementation monitoring, ongoing monitoring reviews through outcomes analysis and benchmarking, and periodic revalidation.", "link": "https://www.sec.gov/Archives/edgar/data/70858/000007085826000157/bac-20251231.htm#:~:text=We%20use%20models%20enterprise%2Dwide%2C%20including%20to%20forecast%20losses%2C,from%20applications%20that%20rely%20on%20AI." } }, { "slug": "bank-of-hawaii-corp", "name": "Bank of Hawaii Corp", "state": "HI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-of-hawaii-corp", "name": "Bank of Hawaii Corp", "state": "HI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-of-hawaii-corp", "name": "Bank of Hawaii Corp", "state": "HI", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-of-hawaii-corp", "name": "Bank of Hawaii Corp", "state": "HI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "names_ai_company", "concrete_detail" ], "quote": { "quote": "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.", "link": "https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm#:~:text=islands%20and%20the%20West%20Pacific%20assisting%20our%20employees,artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29%20tool%20Microsoft%20Co%2DPilot." } }, { "slug": "bank-of-south-carolina-corp", "name": "Bank of South Carolina Corp", "state": "SC", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-of-the-james-financial-group-inc", "name": "Bank of the James Financial Group Inc", "state": "VA", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-of-the-james-financial-group-inc", "name": "Bank of the James Financial Group Inc", "state": "VA", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-of-the-james-financial-group-inc", "name": "Bank of the James Financial Group Inc", "state": "VA", "year": 2024, "size_group": "Under $1B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the increasing use of artificial intelligence and machine learning by malicious actors enables more sophisticated cyberattacks, such as highly targeted phishing, deepfake fraud, or automated account takeovers", "link": "https://www.sec.gov/Archives/edgar/data/1275101/000156276225000054/botj-20241231x10k.htm#:~:text=The%20pace%20of%20technological%20innovation%20introduces%20new%20challenges,affect%20our%20operations%20and%20financial%20performance." } }, { "slug": "bank-of-the-james-financial-group-inc", "name": "Bank of the James Financial Group Inc", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "malicious actors are increasingly using artificial intelligence and other tools to conduct more sophisticated attacks, including highly targeted phishing and social‑engineering campaigns, business email compromise, deepfake or voice‑spoofing fraud, and account takeover attempts.", "link": "https://www.sec.gov/Archives/edgar/data/1275101/000127510126000010/botj-20251231x10k.htm#:~:text=The%20pace%20of%20technological%20change%20continues%20to%20increase,and%20increased%20compliance%20and%20remediation%20costs." } }, { "slug": "banner-corp", "name": "Banner Corp", "state": "WA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "banner-corp", "name": "Banner Corp", "state": "WA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "banner-corp", "name": "Banner Corp", "state": "WA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and client support. Ethical and reputational risks, including unintended consequences or perceived unfairness in AI-driven decisions, may erode client trust and expose us to regulatory", "link": "https://www.sec.gov/Archives/edgar/data/946673/000094667325000008/banr-20241231.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny." } }, { "slug": "banner-corp", "name": "Banner Corp", "state": "WA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "Our current and future uses of Artificial Intelligence (AI) and other emerging technologies may create additional risks.", "link": "https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm#:~:text=Our%20current%20and%20future%20uses%20of%20Artificial%20Intelligence,emerging%20technologies%20may%20create%20additional%20risks." } }, { "slug": "bar-harbor-bankshares", "name": "Bar Harbor Bankshares", "state": "ME", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bar-harbor-bankshares", "name": "Bar Harbor Bankshares", "state": "ME", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bar-harbor-bankshares", "name": "Bar Harbor Bankshares", "state": "ME", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including developments in artificial intelligence. In addition to serving clients better, the effective use of technology increases efficiency and enables financial institutions to reduce costs.", "link": "https://www.sec.gov/Archives/edgar/data/743367/000155837025002653/bhb-20241231x10k.htm#:~:text=The%20financial%20services%20industry%20undergoes%20rapid%20technological%20changes,such%20challenges%20in%20a%20timely%20manner." } }, { "slug": "bar-harbor-bankshares", "name": "Bar Harbor Bankshares", "state": "ME", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "emerging technologies, such as artificial intelligence (including machine learning and generative artificial intelligence) and quantum computing, which may be used to enhance the tactics, techniques and procedures described above and facilitate new cyber threats", "link": "https://www.sec.gov/Archives/edgar/data/743367/000110465926027217/bhb-20251231x10k.htm#:~:text=In%20the%20ordinary%20course%20of%20business%2C%20we%20rely,or%20are%20otherwise%20compromised%2C%20our%20network" } }, { "slug": "blue-ridge-bankshares-inc", "name": "Blue Ridge Bankshares, Inc.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "blue-ridge-bankshares-inc", "name": "Blue Ridge Bankshares, Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "blue-ridge-bankshares-inc", "name": "Blue Ridge Bankshares, Inc.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "blue-ridge-bankshares-inc", "name": "Blue Ridge Bankshares, Inc.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The market for financial services, including banking and consumer finance services, is increasingly affected by advances in technology, including recent and rapid developments in artificial intelligence, social media, and other developments in telecommunications", "link": "https://www.sec.gov/Archives/edgar/data/842717/000119312526104410/brbs-20251231.htm#:~:text=The%20market%20for%20financial%20services%2C%20including%20banking%20and,operating%20results%20could%20be%20adversely%20affected." } }, { "slug": "bm-technologies-inc", "name": "BM Technologies, Inc.", "state": "PA", "year": 2022, "size_group": null, "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bm-technologies-inc", "name": "BM Technologies, Inc.", "state": "PA", "year": 2023, "size_group": null, "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "These new products and services may include applications or financial-related services that implement artificial intelligence, machine learning, robotics, blockchain, or new approaches to data mining.", "link": "https://www.sec.gov/Archives/edgar/data/1725872/000172587224000001/bmtx-20231231.htm#:~:text=We%20operate%20in%20a%20dynamic%20industry%20characterized%20by,financial%20condition%2C%20and%20results%20of%20operations." } }, { "slug": "bok-financial-corp", "name": "Bok Financial Corp", "state": "OK", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bok-financial-corp", "name": "Bok Financial Corp", "state": "OK", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bok-financial-corp", "name": "Bok Financial Corp", "state": "OK", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We continue to evaluate and selectively deploy emerging technologies like AI, machine learning, and generative AI for incorporation into our business. The Company's use of AI and machine learning is subject to risks that algorithms and data sets are flawed or may be insufficient or contain biased", "link": "https://www.sec.gov/Archives/edgar/data/875357/000087535725000013/bokf-20241231.htm#:~:text=We%20continue%20to%20evaluate%20and%20selectively%20deploy%20emerging,or%20services%20they%20provide%20to%20us." } }, { "slug": "bok-financial-corp", "name": "Bok Financial Corp", "state": "OK", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Each initiative is subject to a specific internal governance process designed to assess risks related to data quality, bias, regulatory compliance, and ethical considerations.", "link": "https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm#:~:text=We%20continue%20to%20evaluate%20and%20selectively%20deploy%20emerging,or%20services%20they%20provide%20to%20us." } }, { "slug": "byline-bancorp-inc", "name": "Byline Bancorp, Inc.", "state": "IL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "byline-bancorp-inc", "name": "Byline Bancorp, Inc.", "state": "IL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "byline-bancorp-inc", "name": "Byline Bancorp, Inc.", "state": "IL", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "byline-bancorp-inc", "name": "Byline Bancorp, Inc.", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "address material risks from potential cybersecurity threats, including threats utilizing generative AI, and to facilitate the governance and oversight of cybersecurity risks", "link": "https://www.sec.gov/Archives/edgar/data/1702750/000119312526083194/by-20251231.htm#:~:text=We%20have%20developed%20an%20Information%20Security%20Program%20%28the,and%20actual%20cyber%20threats%20and%20incidents." } }, { "slug": "bancorp-inc", "name": "Bancorp, Inc.", "state": "DE", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancorp-inc", "name": "Bancorp, Inc.", "state": "DE", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancorp-inc", "name": "Bancorp, Inc.", "state": "DE", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bancorp-inc", "name": "Bancorp, Inc.", "state": "DE", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We continue to invest in our infrastructure, with a focus on investing in automation and AI tools to gain cost efficiency and increase productivity of our people and platform", "link": "https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm#:~:text=Historically%2C%20we%20have%20made%20significant%20investments%20in%20our,affecting%20our%20relationships%20with%20our%20customers." } }, { "slug": "bank-first-corp", "name": "Bank First Corp", "state": "WI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank-first-corp", "name": "Bank First Corp", "state": "WI", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies) and a growing demand for mobile and other phone and computer banking applications", "link": "https://www.sec.gov/Archives/edgar/data/1746109/000155837024002199/bfc-20231231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,put%20us%20at%20a%20competitive%20disadvantage." } }, { "slug": "bank-first-corp", "name": "Bank First Corp", "state": "WI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies) and a growing demand for mobile and other phone and computer banking applications", "link": "https://www.sec.gov/Archives/edgar/data/1746109/000155837025001937/bfc-20241231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,put%20us%20at%20a%20competitive%20disadvantage." } }, { "slug": "bank-first-corp", "name": "Bank First Corp", "state": "WI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Information security risks have generally increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, the use of the Internet and telecommunications technologies to conduct financial transactions", "link": "https://www.sec.gov/Archives/edgar/data/1746109/000110465926021567/bfc-20251231x10k.htm#:~:text=Any%20damage%20or%20failure%20that%20causes%20breakdowns%20or,our%20or%20our%20clients%E2%80%99%20business%20operations." } }, { "slug": "bank-of-marin-bancorp", "name": "Bank of Marin Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [], "quote": { "quote": "Nationwide banks have the competitive advantages of developing data analytics and artificial intelligence tools and other technological platforms.", "link": "https://www.sec.gov/Archives/edgar/data/1403475/000140347523000015/bmrc-20221231.htm#:~:text=well%20as%20credit%20unions%20and%20other%20local%20and,as%20brokerage%20firms%20and%20insurance%20companies." } }, { "slug": "bank-of-marin-bancorp", "name": "Bank of Marin Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "With the advent of artificial intelligence (AI), cyber threats such as social engineering, ransomware, and phishing are more sophisticated and prevalent now than ever before.", "link": "https://www.sec.gov/Archives/edgar/data/1403475/000140347524000012/bmrc-20231231.htm#:~:text=Our%20business%20requires%20the%20secure%20management%20of%20sensitive,externally%20publicized%20breaches%20of%20other%20financial" } }, { "slug": "bank-of-marin-bancorp", "name": "Bank of Marin Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "With the advent of artificial intelligence (AI), cyber threats such as social engineering, ransomware, and phishing are more sophisticated and prevalent now than ever before.", "link": "https://www.sec.gov/Archives/edgar/data/1403475/000140347525000026/bmrc-20241231.htm#:~:text=Our%20business%20requires%20the%20secure%20management%20of%20sensitive,externally%20publicized%20breaches%20of%20other%20financial" } }, { "slug": "bank-of-marin-bancorp", "name": "Bank of Marin Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "mentions_agentic", "names_ai_company", "concrete_detail", "risk_without_governance" ], "quote": { "quote": "The Company’s deployment of artificial intelligence at this time is generally limited to internally focused, assistive productivity tools such as Microsoft Copilot.", "link": "https://www.sec.gov/Archives/edgar/data/1403475/000140347526000018/bmrc-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20vendors%2C%20clients%20or,property%20considerations%2C%20potential%20bias%2C%20and%20cybersecurity." } }, { "slug": "bank-of-new-york-mellon-corp", "name": "Bank of New York Mellon Corp", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The use of automation, artificial intelligence and other emerging technologies in connection with automated processes may amplify the impact of any such error or delay", "link": "https://www.sec.gov/Archives/edgar/data/1390777/000139077723000033/bk-20221231_d2.htm#:~:text=We%20are%20required%20to%20accurately%20process%20large%20numbers,or%20delay%2C%20as%20the%20failure%20to" } }, { "slug": "bank-of-new-york-mellon-corp", "name": "Bank of New York Mellon Corp", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We also consider data risks in the execution of our business objectives and processes, including the development of new products and services, including AI applications.", "link": "https://www.sec.gov/Archives/edgar/data/1390777/000139077724000051/bk-20231231_d2.htm#:~:text=We%20also%20consider%20data%20risks%20in%20the%20execution,our%20clients%20across%20the%20investment%20lifecycle." } }, { "slug": "bank-of-new-york-mellon-corp", "name": "Bank of New York Mellon Corp", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We also consider data risks in the execution of our business objectives and processes, including the development of new products and services, including AI applications.", "link": "https://www.sec.gov/Archives/edgar/data/1390777/000139077725000046/bk-20241231_d2.htm#:~:text=We%20also%20consider%20data%20risks%20in%20the%20execution,our%20clients%20across%20the%20investment%20lifecycle." } }, { "slug": "bank-of-new-york-mellon-corp", "name": "Bank of New York Mellon Corp", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "In 2025 we built out our AI training offerings so all employees can develop this important", "link": "https://www.sec.gov/Archives/edgar/data/1390777/000139077726000033/bk-20251231.htm#:~:text=At%20key%20career%20transition%20points%2C%20from%20internship%20to,all%20employees%20can%20develop%20this%20important" } }, { "slug": "bank7-corp", "name": "Bank7 Corp.", "state": "OK", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank7-corp", "name": "Bank7 Corp.", "state": "OK", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank7-corp", "name": "Bank7 Corp.", "state": "OK", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bank7-corp", "name": "Bank7 Corp.", "state": "OK", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bankwell-financial-group-inc", "name": "Bankwell Financial Group, Inc.", "state": "CT", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bankwell-financial-group-inc", "name": "Bankwell Financial Group, Inc.", "state": "CT", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "the current and potential future utilization of AI by the Company in support of loan origination could create additional risk for misrepresented information", "link": "https://www.sec.gov/Archives/edgar/data/1505732/000150573224000067/bwfg-20231231.htm#:~:text=When%20we%20originate%20loans%2C%20we%20rely%20heavily%20upon,including%20human%20oversight%20of%20AI%20activity." } }, { "slug": "bankwell-financial-group-inc", "name": "Bankwell Financial Group, Inc.", "state": "CT", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "the current and potential future utilization of AI by the Company in support of loan origination could create additional risk for misrepresented information", "link": "https://www.sec.gov/Archives/edgar/data/1505732/000150573225000052/bwfg-20241231.htm#:~:text=When%20we%20originate%20loans%2C%20we%20rely%20heavily%20upon,including%20human%20oversight%20of%20AI%20activity." } }, { "slug": "bankwell-financial-group-inc", "name": "Bankwell Financial Group, Inc.", "state": "CT", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "our current and potential future use of AI to support loan origination processes may introduce additional risk of inaccurate, incomplete, or misrepresented information", "link": "https://www.sec.gov/Archives/edgar/data/1505732/000150573226000046/bwfg-20251231.htm#:~:text=When%20originating%20loans%2C%20we%20rely%20extensively%20on%20information,that%20all%20misrepresentations%20will%20be%20detected." } }, { "slug": "baycom-corp", "name": "BayCom Corp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "baycom-corp", "name": "BayCom Corp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "baycom-corp", "name": "BayCom Corp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "AI introduces model risk, where flawed algorithms or biased data could result in inaccurate credit decisions, compliance violations, or discriminatory outcomes in lending or customer service.", "link": "https://www.sec.gov/Archives/edgar/data/1730984/000173098425000017/bcml-20241231x10k.htm#:~:text=The%20increasing%20adoption%20of%20AI%20in%20financial%20services,data%20breaches%2C%20adversarial%20attacks%2C%20and%20data" } }, { "slug": "baycom-corp", "name": "BayCom Corp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.", "link": "https://www.sec.gov/Archives/edgar/data/1730984/000173098426000016/bcml-20251231x10k.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny." } }, { "slug": "bayfirst-financial-corp", "name": "BayFirst Financial Corp.", "state": "FL", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bayfirst-financial-corp", "name": "BayFirst Financial Corp.", "state": "FL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bayfirst-financial-corp", "name": "BayFirst Financial Corp.", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence by us or others, or our inability to effectively and timely implement its use, may adversely affect the Company.", "link": "https://www.sec.gov/Archives/edgar/data/1649739/000164973925000106/bafn-20241231.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20by,use%2C%20may%20adversely%20affect%20the%20Company." } }, { "slug": "bayfirst-financial-corp", "name": "BayFirst Financial Corp.", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence by us or others, or our inability to effectively and timely implement its use, may adversely affect the Company.", "link": "https://www.sec.gov/Archives/edgar/data/1649739/000164973926000049/bafn-20251231.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20by,use%2C%20may%20adversely%20affect%20the%20Company." } }, { "slug": "bridgewater-bancshares-inc", "name": "Bridgewater Bancshares Inc", "state": "MN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "bridgewater-bancshares-inc", "name": "Bridgewater Bancshares Inc", "state": "MN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the occurrence of fraudulent activity, breaches or failures of our or our third party vendors’ information security controls or cybersecurity-related incidents, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1341317/000155837024002663/bwb-20231231x10k.htm#:~:text=%E2%97%8F%20the%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,incidents%2C%20including%20those%20employing%20artificial%20intelligence%3B" } }, { "slug": "bridgewater-bancshares-inc", "name": "Bridgewater Bancshares Inc", "state": "MN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Each of these third parties may be targets of the same types of fraudulent activity, computer break-ins and other cybersecurity breaches described above, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1341317/000155837025002317/bwb-20241231x10k.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate." } }, { "slug": "bridgewater-bancshares-inc", "name": "Bridgewater Bancshares Inc", "state": "MN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Each of these third parties may be targets of the same types of fraudulent activity, computer break-ins and other cybersecurity breaches described above, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1341317/000110465926020063/bwb-20251231x10k.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate." } }, { "slug": "burke-and-herbert-financial-services-corp", "name": "Burke & Herbert Financial Services Corp.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "burke-and-herbert-financial-services-corp", "name": "Burke & Herbert Financial Services Corp.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "burke-and-herbert-financial-services-corp", "name": "Burke & Herbert Financial Services Corp.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "The use of artificial intelligence models developed by third parties introduces risks related to how those models are developed, trained, and deployed, including unauthorized material in training data and limited visibility into risk mitigation steps.", "link": "https://www.sec.gov/Archives/edgar/data/1964333/000196433326000016/bhrb-20251231.htm#:~:text=Recently%2C%20the%20financial%20services%20industry%20has%20experienced%20rapid,otherwise%20adversely%20affect%20our%20financial%20results." } }, { "slug": "business-first-bancshares-inc", "name": "Business First Bancshares, Inc.", "state": "LA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "business-first-bancshares-inc", "name": "Business First Bancshares, Inc.", "state": "LA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the current Presidential Administration issued an Executive Order on the Safe, Secure, and Trustworthy Development and Use of Artificial Intelligence, emphasizing the need for transparency, accountability and fairness in the secure development and use of artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1624322/000143774924006270/bfbi20231231_10k.htm#:~:text=On%20October%2030%2C%202023%2C%20the%20current%20Presidential%20Administration,and%20address%20vulnerabilities%20in%20critical%20software." } }, { "slug": "business-first-bancshares-inc", "name": "Business First Bancshares, Inc.", "state": "LA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "business-first-bancshares-inc", "name": "Business First Bancshares, Inc.", "state": "LA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "cyber-criminals utilize artificial intelligence and related emerging technologies. Increasing sophistication of cyber-criminals and terrorists make keeping up with new threats difficult and could result in a breach.", "link": "https://www.sec.gov/Archives/edgar/data/1624322/000162432226000018/bfst-20251231.htm#:~:text=It%20is%20difficult%20or%20impossible%20to%20defend%20against,operations%2C%20financial%20condition%2C%20and%20future%20prospects." } }, { "slug": "c-and-f-financial-corp", "name": "C & F Financial Corp", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "c-and-f-financial-corp", "name": "C & F Financial Corp", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "c-and-f-financial-corp", "name": "C & F Financial Corp", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Investments are being made in technology, such as upgraded lending systems and AI-powered tools, to enhance our customers’ experiences and our operational efficiency.", "link": "https://www.sec.gov/Archives/edgar/data/913341/000091334125000016/cffi-20241231x10k.htm#:~:text=%E2%97%8F%20Efficiency%20and%20technology%3A%20Investments%20are%20being%20made,and%20secure%20experiences%20for%20our%20customers." } }, { "slug": "c-and-f-financial-corp", "name": "C & F Financial Corp", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "We are evaluating potential use cases across all subsidiaries and departments for the prudent adoption of Artificial Intelligence (AI) including robotic process automation, generative and agentic AI, and machine learning tools.", "link": "https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/cffi-20251231x10k.htm#:~:text=%E2%97%8F%20Efficiency%20and%20technology%3A%20We%20are%20evaluating%20potential,onboarding%20to%20faster%2C%20more%20transparent%20workflows." } }, { "slug": "cambridge-bancorp", "name": "Cambridge Bancorp", "state": "MA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cambridge-bancorp", "name": "Cambridge Bancorp", "state": "MA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "camden-national-corp", "name": "Camden National Corp", "state": "ME", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "camden-national-corp", "name": "Camden National Corp", "state": "ME", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The adoption of new or emerging technologies, such as blockchain and artificial intelligence, or further developments in current technologies may require us to make substantial expenditures to modify or adapt our existing products and services to remain competitive.", "link": "https://www.sec.gov/Archives/edgar/data/750686/000075068624000025/cac-20231231.htm#:~:text=In%20addition%2C%20our%20success%20depends%2C%20in%20part%2C%20on,developing%20and%20maintaining%20loyal%20customer%20relationships." } }, { "slug": "camden-national-corp", "name": "Camden National Corp", "state": "ME", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "To compete effectively, the Company may use new and evolving technologies, including AI and machine learning, to help improve its customer service, marketing, and products or to automate certain business decisions or risk management practices, such as fraud identification.", "link": "https://www.sec.gov/Archives/edgar/data/750686/000075068625000044/cac-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20technological,exposure%20to%20legal%20or%20regulatory%20proceedings." } }, { "slug": "camden-national-corp", "name": "Camden National Corp", "state": "ME", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "To compete effectively, the Company may use new and evolving technologies, including AI and machine learning, to help improve its customer service, marketing, and products or to automate certain business decisions or risk management practices, such as fraud identification.", "link": "https://www.sec.gov/Archives/edgar/data/750686/000075068626000010/cac-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20technological,exposure%20to%20legal%20or%20regulatory%20proceedings." } }, { "slug": "capital-city-bank-group-inc", "name": "Capital City Bank Group Inc", "state": "FL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "capital-city-bank-group-inc", "name": "Capital City Bank Group Inc", "state": "FL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "using fraudulent e-mails, artificial intelligence, and other communications", "link": "https://www.sec.gov/Archives/edgar/data/726601/000072660124000023/ccbg-20231231.htm#:~:text=using%20fraudulent%20e%2Dmails%2C%20artificial%20intelligence%2C%20and%20other%20communications" } }, { "slug": "capital-city-bank-group-inc", "name": "Capital City Bank Group Inc", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "threats may be exacerbated by recent developments in artificial intelligence and", "link": "https://www.sec.gov/Archives/edgar/data/726601/000072660125000013/ccbg-20241231.htm#:~:text=threats%20may%20be%20exacerbated%20by%20recent%20developments%20in%20artificial%20intelligence%20and" } }, { "slug": "capital-city-bank-group-inc", "name": "Capital City Bank Group Inc", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "associated with assessing the proper operation of AI models, understanding", "link": "https://www.sec.gov/Archives/edgar/data/726601/000072660126000007/ccbg-20251231.htm#:~:text=associated%20with%20assessing%20the%20proper%20operation%20of%20AI%20models%2C%20understanding" } }, { "slug": "capital-one-financial-corp", "name": "Capital One Financial Corp", "state": "VA", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Adoption of new technologies, such as distributed ledger technologies, tokenization, cloud computing, artificial intelligence and machine learning technologies, can present unforeseen challenges in applying and relying on existing compliance systems.", "link": "https://www.sec.gov/Archives/edgar/data/927628/000092762823000117/cof-20221231.htm#:~:text=The%20legislative%20and%20regulatory%20environment%20is%20beyond%20our,and%20relying%20on%20existing%20compliance%20systems." } }, { "slug": "capital-one-financial-corp", "name": "Capital One Financial Corp", "state": "VA", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We rely on quantitative models and the use of AI, as well as our ability to manage and aggregate data in an accurate and timely manner, to assess and manage our various risk exposures, create estimates and forecasts, and manage compliance with regulatory capital requirements.", "link": "https://www.sec.gov/Archives/edgar/data/927628/000092762824000094/cof-20231231.htm#:~:text=We%20rely%20on%20quantitative%20models%20and%20the%20use,to%20which%20we%20are%20a%20party." } }, { "slug": "capital-one-financial-corp", "name": "Capital One Financial Corp", "state": "VA", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We rely on quantitative models and in some cases the use of AI, as well as our ability to manage and aggregate data in an accurate and timely manner, to assess and manage our various risk exposures, create estimates and forecasts, and manage compliance with regulatory capital requirements.", "link": "https://www.sec.gov/Archives/edgar/data/927628/000092762825000092/cof-20241231.htm#:~:text=We%20rely%20on%20quantitative%20models%20and%20in%20some,to%20which%20we%20are%20a%20party." } }, { "slug": "capital-one-financial-corp", "name": "Capital One Financial Corp", "state": "VA", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "Our risk reporting and risk management, including our business decisions that are based on information gathered through models and AI, depend on the effectiveness of our models and AI.", "link": "https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm#:~:text=The%20development%20and%20implementation%20of%20some%20of%20these,the%20foregoing%20could%20have%20negative%20consequences." } }, { "slug": "cathay-general-bancorp", "name": "Cathay General Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cathay-general-bancorp", "name": "Cathay General Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cathay-general-bancorp", "name": "Cathay General Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cathay-general-bancorp", "name": "Cathay General Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cb-financial-services-inc", "name": "CB Financial Services, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cb-financial-services-inc", "name": "CB Financial Services, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cb-financial-services-inc", "name": "CB Financial Services, Inc.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cb-financial-services-inc", "name": "CB Financial Services, Inc.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "central-pacific-financial-corp", "name": "Central Pacific Financial Corp", "state": "HI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "central-pacific-financial-corp", "name": "Central Pacific Financial Corp", "state": "HI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "central-pacific-financial-corp", "name": "Central Pacific Financial Corp", "state": "HI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We continually encounter technological change including developments in artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/701347/000070134725000007/cpf-20241231.htm#:~:text=%E2%80%A2We%20continually%20encounter%20technological%20change%20including%20developments%20in%20artificial%20intelligence." } }, { "slug": "central-pacific-financial-corp", "name": "Central Pacific Financial Corp", "state": "HI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We continually encounter technological change including developments in artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/701347/000070134726000021/cpf-20251231.htm#:~:text=%E2%80%A2We%20continually%20encounter%20technological%20change%20including%20developments%20in%20artificial%20intelligence." } }, { "slug": "cf-bankshares-inc", "name": "CF Bankshares Inc.", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cf-bankshares-inc", "name": "CF Bankshares Inc.", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cf-bankshares-inc", "name": "CF Bankshares Inc.", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cf-bankshares-inc", "name": "CF Bankshares Inc.", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "chain-bridge-bancorp-inc", "name": "Chain Bridge Bancorp Inc", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have incorporated, and may in the future further incorporate, AI technology in certain business processes, services, and products, including technologies that process sensitive financial and/or personal data.", "link": "https://www.sec.gov/Archives/edgar/data/1392272/000139227225000019/chnbrdg-20241231.htm#:~:text=We%20have%20incorporated%2C%20and%20may%20in%20the%20future,may%20directly%20or%20indirectly%20impact%20us." } }, { "slug": "chain-bridge-bancorp-inc", "name": "Chain Bridge Bancorp Inc", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have incorporated, and may in the future further incorporate, AI technology in certain business processes, services, and products, including technologies that process sensitive financial and/or personal data. We currently rely on AI tools and models provided by third-party vendors", "link": "https://www.sec.gov/Archives/edgar/data/1392272/000162828026020177/chnbrdg-20251231.htm#:~:text=We%20have%20incorporated%2C%20and%20may%20in%20the%20future,that%20allow%20the%20creation%20of%20custom" } }, { "slug": "chemung-financial-corp", "name": "Chemung Financial Corp", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "chemung-financial-corp", "name": "Chemung Financial Corp", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "chemung-financial-corp", "name": "Chemung Financial Corp", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the increasing sophistication of threat actors is supported by new technologies, including artificial intelligence and machine learning, which does have the potential to materially affect the Corporation", "link": "https://www.sec.gov/Archives/edgar/data/763563/000076356325000058/chmg-20241231.htm#:~:text=The%20risks%20from%20cybersecurity%20threats%2C%20including%20any%20previous,risk%20that%20is%20inherent%20of%20cybersecurity." } }, { "slug": "chemung-financial-corp", "name": "Chemung Financial Corp", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We expect third-party vendors, or a subcontractor thereof, to increasingly incorporate artificial intelligence embedded solutions into their product offerings and operational workflows. Biased, inaccurate, or misleading output from artificial intelligence-based solutions used by third parties may", "link": "https://www.sec.gov/Archives/edgar/data/763563/000162828026017546/chmg-20251231.htm#:~:text=The%20potential%20for%20operational%20risk%20exposure%20exists%20throughout,the%20Corporation%20interacts%20or%20relies%20upon." } }, { "slug": "choiceone-financial-services-inc", "name": "Choiceone Financial Services Inc", "state": "MI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "choiceone-financial-services-inc", "name": "Choiceone Financial Services Inc", "state": "MI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "choiceone-financial-services-inc", "name": "Choiceone Financial Services Inc", "state": "MI", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "choiceone-financial-services-inc", "name": "Choiceone Financial Services Inc", "state": "MI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "we are experimenting with automation and AI‑driven solutions designed to modernize processes to augment the ability for our existing staff to manage our growth", "link": "https://www.sec.gov/Archives/edgar/data/803164/000119312526105046/cofs-20251231.htm#:~:text=Noninterest%20expense%20increased%20by%20%2454.0%20million%20for%20the,existing%20staff%20to%20manage%20our%20growth." } }, { "slug": "citigroup-inc", "name": "Citigroup Inc", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citigroup-inc", "name": "Citigroup Inc", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "failure to strategically embrace the potential of artificial intelligence (AI) may result in a competitive disadvantage to Citi. At the same time, as a new technology, use of AI without sufficient controls, governance and risk management may result in increased risks across all of Citi’s risk", "link": "https://www.sec.gov/Archives/edgar/data/831001/000083100124000033/c-20231231.htm#:~:text=market%20entrants.%20Simultaneously%2C%20as%20Citi%20develops%20new%20products,as%20increased%20operational%20and%20compliance%20risks." } }, { "slug": "citigroup-inc", "name": "Citigroup Inc", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "they involve techniques, which could include the use of historical data and AI, that cannot anticipate or model every economic and financial outcome in the markets in which Citi operates", "link": "https://www.sec.gov/Archives/edgar/data/831001/000083100125000067/c-20241231.htm#:~:text=impairment.%20These%20assumptions%2C%20judgments%20and%20estimates%20are%20inherently,limited%20liquidity%20or%20other%20unforeseen%20circumstances." } }, { "slug": "citigroup-inc", "name": "Citigroup Inc", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "applied technology solutions leveraging AI to support governance of data reported in key regulatory reports", "link": "https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm#:~:text=%E2%80%A2applied%20technology%20solutions%20leveraging%20AI%20to%20support%20governance%20of%20data%20reported%20in%20key%20regulatory%20reports" } }, { "slug": "citizens-and-northern-corp", "name": "Citizens & Northern Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citizens-and-northern-corp", "name": "Citizens & Northern Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Advancements in the use of artificial intelligence could lead to attacks by exploiting vulnerabilities to manipulate model outputs or bypass security controls.", "link": "https://www.sec.gov/Archives/edgar/data/810958/000155837024002879/cznc-20231231x10k.htm#:~:text=cause%20serious%20reputational%20harm%20and%20financial%20loss%20to,condition%2C%20results%20of%20operations%20or%20liquidity." } }, { "slug": "citizens-and-northern-corp", "name": "Citizens & Northern Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the financial services industry is undergoing rapid technological change with frequent introductions of new technology-driven products and services, including those related to artificial intelligence, to technologies that automate functions previously performed manually", "link": "https://www.sec.gov/Archives/edgar/data/810958/000155837025002408/cznc-20241231x10k.htm#:~:text=Competition%20%2D%20All%20phases%20of%20the%20Corporation%E2%80%99s%20business,condition%2C%20results%20of%20operations%20or%20liquidity." } }, { "slug": "citizens-and-northern-corp", "name": "Citizens & Northern Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "fraud and cyber malfunction risks as usage of artificial intelligence continues to expand", "link": "https://www.sec.gov/Archives/edgar/data/810958/000110465926024613/cznc-20251231x10k.htm#:~:text=%E2%97%8F%20fraud%20and%20cyber%20malfunction%20risks%20as%20usage%20of%20artificial%20intelligence%20continues%20to%20expand" } }, { "slug": "citizens-financial-group-inc-ri", "name": "Citizens Financial Group Inc", "state": "RI", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "We are accelerating the use of advanced data analytics and artificial intelligence for personalization and to provide timely, insight-driven, tailored advice in order to deliver solutions to consumer and business customers throughout their lifecycles.", "link": "https://www.sec.gov/Archives/edgar/data/759944/000075994423000029/cfg-20221231.htm#:~:text=Build%20excellent%20capabilities%20designed%20to%20help%20us%20stand,and%20business%20customers%20throughout%20their%20lifecycles." } }, { "slug": "citizens-financial-group-inc-ri", "name": "Citizens Financial Group Inc", "state": "RI", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [], "quote": { "quote": "We strive to use advanced data analytics and artificial intelligence for personalization and to provide timely, insight-driven, tailored advice in order to deliver solutions to consumer and commercial customers throughout their lifecycles.", "link": "https://www.sec.gov/Archives/edgar/data/759944/000075994424000039/cfg-20231231.htm#:~:text=Build%20excellent%20capabilities%20designed%20to%20help%20us%20stand,and%20commercial%20customers%20throughout%20their%20lifecycles." } }, { "slug": "citizens-financial-group-inc-ri", "name": "Citizens Financial Group Inc", "state": "RI", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We strive to use advanced data analytics and artificial intelligence for personalization and to provide timely, insight-driven, tailored advice in order to deliver solutions to consumer and commercial customers throughout their lifecycles.", "link": "https://www.sec.gov/Archives/edgar/data/759944/000075994425000013/cfg-20241231.htm#:~:text=Build%20excellent%20capabilities%20designed%20to%20help%20us%20stand,and%20commercial%20customers%20throughout%20their%20lifecycles." } }, { "slug": "citizens-financial-group-inc-ri", "name": "Citizens Financial Group Inc", "state": "RI", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "By leveraging artificial intelligence and advanced learning platforms we are accelerating personalized learning and building capacity for skill development.", "link": "https://www.sec.gov/Archives/edgar/data/759944/000075994426000028/cfg-20251231.htm#:~:text=Continuous%20learning%20and%20a%20growth%20mindset%20are%20essential,pathways%20for%20critical%20and%20emerging%20skills." } }, { "slug": "citizens-financial-services-inc", "name": "Citizens Financial Services Inc", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citizens-financial-services-inc", "name": "Citizens Financial Services Inc", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citizens-financial-services-inc", "name": "Citizens Financial Services Inc", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citizens-financial-services-inc", "name": "Citizens Financial Services Inc", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citizens-holding-co-ms", "name": "Citizens Holding Co", "state": "MS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "citizens-holding-co-ms", "name": "Citizens Holding Co", "state": "MS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "city-holding-co", "name": "City Holding Co", "state": "WV", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "city-holding-co", "name": "City Holding Co", "state": "WV", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Criminals are committing fraud at an increasing rate and are using more sophisticated techniques, including through use of artificial intelligence technologies.", "link": "https://www.sec.gov/Archives/edgar/data/726854/000072685424000040/chco-20231231.htm#:~:text=Criminals%20are%20committing%20fraud%20at%20an%20increasing%20rate,it%2C%20its%20customers%2C%20and%20other%20counterparties." } }, { "slug": "city-holding-co", "name": "City Holding Co", "state": "WV", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Criminals are committing fraud at an increasing rate and are using more sophisticated techniques, including the use of artificial intelligence technologies.", "link": "https://www.sec.gov/Archives/edgar/data/726854/000072685425000037/chco-20241231.htm#:~:text=Criminals%20are%20committing%20fraud%20at%20an%20increasing%20rate,it%2C%20its%20customers%2C%20and%20other%20counterparties." } }, { "slug": "city-holding-co", "name": "City Holding Co", "state": "WV", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Criminals are committing fraud at an increasing rate and are using more sophisticated techniques, including the use of artificial intelligence technologies.", "link": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000062/chco-20251231.htm#:~:text=Criminals%20are%20committing%20fraud%20at%20an%20increasing%20rate,it%2C%20its%20customers%2C%20and%20other%20counterparties." } }, { "slug": "civista-bancshares-inc", "name": "Civista Bancshares, Inc.", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "civista-bancshares-inc", "name": "Civista Bancshares, Inc.", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "civista-bancshares-inc", "name": "Civista Bancshares, Inc.", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "civista-bancshares-inc", "name": "Civista Bancshares, Inc.", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cnb-financial-corp-pa", "name": "CNB Financial Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cnb-financial-corp-pa", "name": "CNB Financial Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cnb-financial-corp-pa", "name": "CNB Financial Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We have begun to utilize artificial intelligence technologies in various aspects of our business, including internal training material creation.", "link": "https://www.sec.gov/Archives/edgar/data/736772/000073677225000071/ccne-20241231.htm#:~:text=We%20have%20begun%20to%20utilize%20artificial%20intelligence%20technologies,could%20expose%20us%20to%20legal%20risks." } }, { "slug": "cnb-financial-corp-pa", "name": "CNB Financial Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We have begun to utilize AI technologies in various aspects of our business, including internal training material creation.", "link": "https://www.sec.gov/Archives/edgar/data/736772/000073677226000031/ccne-20251231.htm#:~:text=We%20have%20begun%20to%20utilize%20AI%20technologies%20in,could%20expose%20us%20to%20legal%20risks." } }, { "slug": "coastal-financial-corp", "name": "Coastal Financial Corp", "state": "WA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "coastal-financial-corp", "name": "Coastal Financial Corp", "state": "WA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "coastal-financial-corp", "name": "Coastal Financial Corp", "state": "WA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "encouraging the use of artificial intelligence and other advanced technologies within the public and private sectors. If implemented, these changes may have varied effects on the economy that are difficult to predict.", "link": "https://www.sec.gov/Archives/edgar/data/1437958/000143795825000058/ck1437958-20241231.htm#:~:text=The%20new%20administration%20has%20begun%20to%20implement%20significant,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "coastal-financial-corp", "name": "Coastal Financial Corp", "state": "WA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk" ], "quote": { "quote": "We currently use, and may in the future evaluate or implement, artificial intelligence (“AI”), automation, and similar technologies to support certain internal processes or business functions.", "link": "https://www.sec.gov/Archives/edgar/data/1437958/000143795826000013/ck1437958-20251231.htm#:~:text=We%20currently%20use%2C%20and%20may%20in%20the%20future,and%20regulations%20could%20be%20adversely%20affected." } }, { "slug": "colony-bankcorp-inc", "name": "Colony Bankcorp Inc", "state": "GA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "colony-bankcorp-inc", "name": "Colony Bankcorp Inc", "state": "GA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services market is undergoing rapid technological changes with frequent introductions of new technology-driven products and services (including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies)", "link": "https://www.sec.gov/Archives/edgar/data/711669/000071166924000046/cban-20231231.htm#:~:text=The%20financial%20services%20market%20is%20undergoing%20rapid%20technological,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "colony-bankcorp-inc", "name": "Colony Bankcorp Inc", "state": "GA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The financial services market is undergoing rapid technological changes with frequent introductions of new technology-driven products and services (including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies)", "link": "https://www.sec.gov/Archives/edgar/data/711669/000071166925000046/cban-20241231.htm#:~:text=The%20financial%20services%20market%20is%20undergoing%20rapid%20technological,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "colony-bankcorp-inc", "name": "Colony Bankcorp Inc", "state": "GA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "especially in light of the risks being posed by the proliferation of new technologies, including artificial intelligence, the use of the Internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of cybercriminals", "link": "https://www.sec.gov/Archives/edgar/data/711669/000071166926000007/cban-20251231.htm#:~:text=To%20date%2C%20none%20of%20foregoing%20types%20of%20attacks,of%20cybercriminals%20and%20other%20external%20parties." } }, { "slug": "columbia-banking-system-inc", "name": "Columbia Banking System, Inc.", "state": "WA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "columbia-banking-system-inc", "name": "Columbia Banking System, Inc.", "state": "WA", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/887343/000088734324000089/colb-20231231.htm#:~:text=The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "columbia-banking-system-inc", "name": "Columbia Banking System, Inc.", "state": "WA", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/887343/000088734325000054/colb-20241231.htm#:~:text=The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "columbia-banking-system-inc", "name": "Columbia Banking System, Inc.", "state": "WA", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm#:~:text=The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "comerica-inc", "name": "Comerica Inc", "state": "TX", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "comerica-inc", "name": "Comerica Inc", "state": "TX", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "comerica-inc", "name": "Comerica Inc", "state": "TX", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Increasing usage of automation and a measured approach to leveraging artificial intelligence by Comerica or third parties on which Comerica relies would further increase the impact if Comerica's operational or security systems were to fail or be breached.", "link": "https://www.sec.gov/Archives/edgar/data/28412/000002841225000108/cma-20241231.htm#:~:text=third%2Dparty%20systems%20is%20more%20limited%20than%20with%20respect,were%20to%20fail%20or%20be%20breached." } }, { "slug": "commerce-bancshares-inc-mo", "name": "Commerce Bancshares Inc", "state": "MO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "commerce-bancshares-inc-mo", "name": "Commerce Bancshares Inc", "state": "MO", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "commerce-bancshares-inc-mo", "name": "Commerce Bancshares Inc", "state": "MO", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "commerce-bancshares-inc-mo", "name": "Commerce Bancshares Inc", "state": "MO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "emerging technological innovations, such as the use of artificial intelligence (“AI”) tools and quantum computing, that may enable malicious actors to develop more advanced social engineering attacks, circumvent security controls, evade detection and remove forensic evidence.", "link": "https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm#:~:text=The%20Company%20relies%20on%20a%20layered%20system%20of,using%20both%20internal%20and%20outside%20resources." } }, { "slug": "community-bancorp-vt", "name": "Community Bancorp", "state": "VT", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-bancorp-vt", "name": "Community Bancorp", "state": "VT", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-bancorp-vt", "name": "Community Bancorp", "state": "VT", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-bancorp-vt", "name": "Community Bancorp", "state": "VT", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-financial-corp-md", "name": "Community Financial Corp", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-financial-system-inc", "name": "Community Financial System, Inc.", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-financial-system-inc", "name": "Community Financial System, Inc.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Many of the Company’s competitors have substantially greater resources to invest in technological improvements, including artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/723188/000141057824000095/cbu-20231231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "community-financial-system-inc", "name": "Community Financial System, Inc.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The Company or its third-party vendors may incorporate artificial intelligence technology into certain business processes, services, or products. The use of artificial intelligence presents several risks, including an uncertain and evolving legal and regulatory environment in the U.S. and", "link": "https://www.sec.gov/Archives/edgar/data/723188/000141057825000247/cbu-20241231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "community-financial-system-inc", "name": "Community Financial System, Inc.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "the Company’s increasing use of analytics, machine-learning and generative AI introduces additional data and model risks, including threats to data privacy and integrity, biased or incorrect model outputs, exploitation of third-party models or vendors, and automation-enabled escalation of attacks.", "link": "https://www.sec.gov/Archives/edgar/data/723188/000110465926021651/cbu-20251231x10k.htm#:~:text=The%20exploitation%20of%20third%2Dparty%20vendors%20and%20contractors%20increases,vendors%2C%20and%20automation%2Denabled%20escalation%20of%20attacks." } }, { "slug": "community-trust-bancorp-inc-ky", "name": "Community Trust Bancorp Inc", "state": "KY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-trust-bancorp-inc-ky", "name": "Community Trust Bancorp Inc", "state": "KY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-trust-bancorp-inc-ky", "name": "Community Trust Bancorp Inc", "state": "KY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-trust-bancorp-inc-ky", "name": "Community Trust Bancorp Inc", "state": "KY", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-west-bancshares", "name": "Community West Bancshares /", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-west-bancshares", "name": "Community West Bancshares /", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": true, "flags": [], "quote": null }, { "slug": "consumers-bancorp-inc-oh", "name": "Consumers Bancorp Inc", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "consumers-bancorp-inc-oh", "name": "Consumers Bancorp Inc", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "consumers-bancorp-inc-oh", "name": "Consumers Bancorp Inc", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "consumers-bancorp-inc-oh", "name": "Consumers Bancorp Inc", "state": "OH", "year": 2026, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "crossfirst-bankshares-inc", "name": "Crossfirst Bankshares, Inc.", "state": "KS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "crossfirst-bankshares-inc", "name": "Crossfirst Bankshares, Inc.", "state": "KS", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Misconduct by our employees could include hiding unauthorized activities from us, unauthorized use of generative AI tools, improper or unauthorized activities on behalf of our clients or improper use of confidential information.", "link": "https://www.sec.gov/Archives/edgar/data/1458412/000155837024002154/cfb-20231231x10k.htm#:~:text=Employee%20error%20or%20employee%20and%20client%20misconduct%20could,nature%20of%20the%20financial%20services%20business" } }, { "slug": "csb-bancorp-inc", "name": "CSB Bancorp, Inc.", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "csb-bancorp-inc", "name": "CSB Bancorp, Inc.", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "csb-bancorp-inc", "name": "CSB Bancorp, Inc.", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "csb-bancorp-inc", "name": "CSB Bancorp, Inc.", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cullen-frost-bankers-inc", "name": "Cullen/frost Bankers, Inc.", "state": "TX", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/39263/000003926323000008/cfr-20221231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "cullen-frost-bankers-inc", "name": "Cullen/frost Bankers, Inc.", "state": "TX", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/39263/000003926324000013/cfr-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "cullen-frost-bankers-inc", "name": "Cullen/frost Bankers, Inc.", "state": "TX", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the techniques used in such attempts are constantly evolving, including as a result of artificial intelligence, and generally are not recognized until launched against a target", "link": "https://www.sec.gov/Archives/edgar/data/39263/000003926325000017/cfr-20241231.htm#:~:text=Although%20we%20make%20significant%20efforts%20to%20maintain%20the,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "cullen-frost-bankers-inc", "name": "Cullen/frost Bankers, Inc.", "state": "TX", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our increased use of cloud and other technologies, such as remote work technologies, adoption of artificial intelligence, and the increased connectivity of third parties and electronic devices to our systems also increases our risk of being subject to a cyber-attack.", "link": "https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm#:~:text=In%20the%20ordinary%20course%20of%20business%2C%20we%20rely,from%20around%20the%20world%20have%20increased." } }, { "slug": "cvb-financial-corp", "name": "CVB Financial Corp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cvb-financial-corp", "name": "CVB Financial Corp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cvb-financial-corp", "name": "CVB Financial Corp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "cvb-financial-corp", "name": "CVB Financial Corp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have adopted an AI Policy that establishes a governance framework for developing, deploying, and managing AI and Generative AI (GenAI) solutions and initiatives, including those involving vendors.", "link": "https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm#:~:text=We%2C%20or%20our%20third%20party%20vendors%2C%20clients%20or,misappropriate%20funds%20and%20to%20facilitate%20cyberattacks." } }, { "slug": "california-bancorp", "name": "California BanCorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "california-bancorp", "name": "California BanCorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "california-bancorp-ca", "name": "California BanCorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "california-bancorp-ca", "name": "California BanCorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Our use of artificial intelligence may result in reputational harm or liability, or could adversely affect our business.", "link": "https://www.sec.gov/Archives/edgar/data/1795815/000162828025015957/bcal-20241231.htm#:~:text=%E2%80%A2Our%20use%20of%20artificial%20intelligence%20may%20result%20in,or%20could%20adversely%20affect%20our%20business." } }, { "slug": "california-bancorp-ca", "name": "California BanCorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence may result in reputational harm or liability, or could adversely affect our business.", "link": "https://www.sec.gov/Archives/edgar/data/1795815/000179581526000005/bcal-20251231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20artificial%20intelligence%20may,or%20could%20adversely%20affect%20our%20business." } }, { "slug": "capstar-financial-holdings-inc", "name": "CapStar Financial Holdings, Inc.", "state": "TN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "capstar-financial-holdings-inc", "name": "CapStar Financial Holdings, Inc.", "state": "TN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Additionally, the use of artificial intelligence could exacerbate many of these risks.", "link": "https://www.sec.gov/Archives/edgar/data/1676479/000095017024030078/cstr-20231231.htm#:~:text=We%20necessarily%20collect%2C%20use%20and%20hold%20sensitive%20data,could%20exacerbate%20many%20of%20these%20risks." } }, { "slug": "capital-bancorp-inc", "name": "Capital Bancorp Inc", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "capital-bancorp-inc", "name": "Capital Bancorp Inc", "state": "MD", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Adoption of new technologies, such as distributed ledger technologies, tokenization, cloud computing, AI and machine learning technologies, can present unforeseen challenges in applying and relying on existing compliance systems.", "link": "https://www.sec.gov/Archives/edgar/data/1419536/000162828024011467/cbnk-20231231.htm#:~:text=The%20legislative%20and%20regulatory%20environment%20is%20beyond%20our,their%20implementation%20and%20impact%20on%20us." } }, { "slug": "capital-bancorp-inc", "name": "Capital Bancorp Inc", "state": "MD", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "risk related to the development and use of artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1419536/000141953625000047/cbnk-20241231.htm#:~:text=%E2%80%A2our%20dependence%20on%20our%20information%20technology%20and%20telecommunications,development%20and%20use%20of%20artificial%20intelligence%3B" } }, { "slug": "capital-bancorp-inc", "name": "Capital Bancorp Inc", "state": "MD", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "concrete_detail" ], "quote": { "quote": "Capital Bank uses data analytics, including AI and proprietary models, throughout the OpenSky™ customer lifecycle to support fraud prevention and credit decisioning.", "link": "https://www.sec.gov/Archives/edgar/data/1419536/000141953626000073/cbnk-20251231.htm#:~:text=Capital%20Bank%20uses%20data%20analytics%2C%20including%20AI%20and,over%20the%20life%20of%20the%20relationship." } }, { "slug": "carter-bankshares-inc", "name": "Carter Bankshares, Inc.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "carter-bankshares-inc", "name": "Carter Bankshares, Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "carter-bankshares-inc", "name": "Carter Bankshares, Inc.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents several potential risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving in the U.S. and internationally", "link": "https://www.sec.gov/Archives/edgar/data/1829576/000182957625000016/care-20241231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,the%20effectiveness%20of%20our%20security%20measures." } }, { "slug": "carter-bankshares-inc", "name": "Carter Bankshares, Inc.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (“AI”) technologies present risks that could adversely affect our business, financial condition, and results of operations.", "link": "https://www.sec.gov/Archives/edgar/data/1829576/000182957626000018/care-20251231.htm#:~:text=%E2%80%93The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,financial%20condition%2C%20and%20results%20of%20operations." } }, { "slug": "central-bancompany-inc", "name": "Central Bancompany, Inc.", "state": "MO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "concrete_detail", "risk_without_governance" ], "quote": { "quote": "we recently launched a new money management tool that includes AI-enabled cash flow forecasting", "link": "https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm#:~:text=From%20time%20to%20time%2C%20we%20implement%20new%20lines,or%20a%20new%20product%20or%20service." } }, { "slug": "coastalsouth-bancshares-inc", "name": "CoastalSouth Bancshares, Inc.", "state": "GA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence could exacerbate many of these risks", "link": "https://www.sec.gov/Archives/edgar/data/1297107/000119312526104114/coso-20251231.htm#:~:text=Deposit%20and%20loan%20fraud%20continue%20to%20be%20major,a%20major%20loss%20cannot%20be%20eliminated." } }, { "slug": "commercial-bancgroup-inc", "name": "Commercial Bancgroup, Inc.", "state": "TN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of AI for limited internal use has increased our efficiency, and we expect to continue to adopt such tools as appropriate. In addition, we expect our third-party vendors and service providers to increasingly develop and incorporate AI into their product offerings", "link": "https://www.sec.gov/Archives/edgar/data/1981546/000121390026033659/ea0282863-10k_commercial.htm#:~:text=Our%20adoption%20of%20AI%20for%20limited%20internal%20use,to%20which%20we%20are%20a%20party." } }, { "slug": "community-west-bancshares-1127371", "name": "Community West Bancshares", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-west-bancshares-1127371", "name": "Community West Bancshares", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "community-west-bancshares-1127371", "name": "Community West Bancshares", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (AI) presents risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/1127371/000162828025013157/cvcy-20241231.htm#:~:text=The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28AI%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "community-west-bancshares-1127371", "name": "Community West Bancshares", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Information security risks for financial institutions such as us have increased recently in part because of new technologies, such as artificial intelligence, the use of the Internet and telecommunications technologies", "link": "https://www.sec.gov/Archives/edgar/data/1127371/000162828026016895/cvcy-20251231.htm#:~:text=Information%20security%20risks%20for%20financial%20institutions%20such%20as,avoid%20detection%2C%20which%20continue%20to%20evolve." } }, { "slug": "connectone-bancorp-inc", "name": "ConnectOne Bancorp, Inc.", "state": "NJ", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": false, "flags": [], "quote": null }, { "slug": "connectone-bancorp-inc", "name": "ConnectOne Bancorp, Inc.", "state": "NJ", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": false, "flags": [], "quote": null }, { "slug": "connectone-bancorp-inc", "name": "ConnectOne Bancorp, Inc.", "state": "NJ", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": false, "flags": [], "quote": null }, { "slug": "connectone-bancorp-inc", "name": "ConnectOne Bancorp, Inc.", "state": "NJ", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have begun and intend to continue to selectively incorporate AI technology in certain business processes, fraud detections, services or products, including technologies that process sensitive financial and/or personal data.", "link": "https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm#:~:text=We%20have%20begun%20and%20intend%20to%20continue%20to,their%20business%20processes%2C%20services%20or%20products." } }, { "slug": "customers-bancorp-inc", "name": "Customers Bancorp, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "customers-bancorp-inc", "name": "Customers Bancorp, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customer’s experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1488813/000148881324000010/cubi-20231231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business." } }, { "slug": "customers-bancorp-inc", "name": "Customers Bancorp, Inc.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customers’ experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1488813/000148881325000013/cubi-20241231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business." } }, { "slug": "customers-bancorp-inc", "name": "Customers Bancorp, Inc.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk" ], "quote": { "quote": "In 2025, the Bank launched enterprise-wide training covering foundational AI concepts, responsible-use protocols, and real-world applications tailored to business needs. These initiatives have already generated measurable efficiencies and continue to accelerate the integration of AI into core", "link": "https://www.sec.gov/Archives/edgar/data/1488813/000148881326000029/cubi-20251231.htm#:~:text=%E2%80%A2Artificial%20Intelligence%20Proficiency%20and%20Enablement%20%E2%80%93%20The%20Bank,into%20core%20processes%20across%20business%20lines." } }, { "slug": "dime-commercial-bancshares-inc-ny", "name": "Dime Commercial Bancshares, Inc.", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "dime-commercial-bancshares-inc-ny", "name": "Dime Commercial Bancshares, Inc.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "dime-commercial-bancshares-inc-ny", "name": "Dime Commercial Bancshares, Inc.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "dime-commercial-bancshares-inc-ny", "name": "Dime Commercial Bancshares, Inc.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Potential AI/ML models, used for credit scoring, fraud detection, customer service, and investment decisions, rely on complex algorithms and vast datasets. Errors, biases, or \"hallucinations\" (generating false information) in these models, or unexpected system failures, could lead to flawed", "link": "https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm#:~:text=%E2%97%8F%20Operational%20%26%20Model%20Risk%3A%20Potential%20AI%2FML%20models%2C,experiences%2C%20impacting%20profitability%20and%20client%20retention." } }, { "slug": "discover-financial-services", "name": "Discover Financial Services", "state": "IL", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance" ], "quote": { "quote": "We use a variety of techniques that help identify and halt fraudulent transactions, including machine-learning models, rules-based decision-making logic, report analysis, data integrity checks and manual account reviews.", "link": "https://www.sec.gov/Archives/edgar/data/1393612/000139361223000007/dfs-20221231.htm#:~:text=Each%20credit%20and%20debit%20card%20transaction%20is%20subject,our%20business%20from%20emerging%20fraud%20activity." } }, { "slug": "discover-financial-services", "name": "Discover Financial Services", "state": "IL", "year": 2023, "size_group": "$50B and above", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "concrete_detail" ], "quote": { "quote": "More recently, emerging generative AI capabilities, such as synthetic voice and conversation generation, introduced new fraud risks, especially in the form of identity fraud.", "link": "https://www.sec.gov/Archives/edgar/data/1393612/000139361224000073/dfs-20231231.htm#:~:text=We%20are%20subject%20to%20the%20risk%20of%20fraudulent,December%2031%2C%202023%20and%202022%2C%20respectively." } }, { "slug": "discover-financial-services", "name": "Discover Financial Services", "state": "IL", "year": 2024, "size_group": "$50B and above", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "concrete_detail" ], "quote": { "quote": "emerging generative AI capabilities, such as synthetic video and images and identity documents may introduce new risks in the form of identity fraud and scams", "link": "https://www.sec.gov/Archives/edgar/data/1393612/000139361225000009/dfs-20241231.htm#:~:text=We%20are%20subject%20to%20the%20risk%20of%20fraudulent,December%2031%2C%202024%20and%202023%2C%20respectively." } }, { "slug": "eagle-bancorp-inc", "name": "Eagle Bancorp Inc", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-bancorp-inc", "name": "Eagle Bancorp Inc", "state": "MD", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-bancorp-inc", "name": "Eagle Bancorp Inc", "state": "MD", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "because of the complexity inherent in these approaches, especially those based on artificial intelligence, misunderstanding or misuse of their outputs could similarly result in suboptimal decision-making, which could have a material adverse effect on our business", "link": "https://www.sec.gov/Archives/edgar/data/1050441/000105044125000051/egbn-20241231.htm#:~:text=The%20use%20of%20statistical%20and%20quantitative%20models%20and,results%20of%20operations%20and%20share%20price." } }, { "slug": "eagle-bancorp-inc", "name": "Eagle Bancorp Inc", "state": "MD", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "because of the complexity inherent in these approaches, especially those based on artificial intelligence, misunderstanding or misuse of their outputs could similarly result in suboptimal decision-making, which could have a material adverse effect on our business", "link": "https://www.sec.gov/Archives/edgar/data/1050441/000105044126000021/egbn-20251231.htm#:~:text=The%20use%20of%20statistical%20and%20quantitative%20models%20and,results%20of%20operations%20and%20share%20price." } }, { "slug": "eagle-financial-services-inc", "name": "Eagle Financial Services Inc", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-financial-services-inc", "name": "Eagle Financial Services Inc", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-financial-services-inc", "name": "Eagle Financial Services Inc", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-financial-services-inc", "name": "Eagle Financial Services Inc", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.", "link": "https://www.sec.gov/Archives/edgar/data/880641/000088064126000004/efsi-20251231.htm#:~:text=could%20experience%20a%20significant%20event%20in%20the%20future.,remediate%20any%20identified%20information%20security%20vulnerabilities." } }, { "slug": "east-west-bancorp-inc", "name": "East West Bancorp Inc", "state": "CA", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "east-west-bancorp-inc", "name": "East West Bancorp Inc", "state": "CA", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "east-west-bancorp-inc", "name": "East West Bancorp Inc", "state": "CA", "year": 2024, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "east-west-bancorp-inc", "name": "East West Bancorp Inc", "state": "CA", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services industry is continuously undergoing rapid technological change with frequent introductions of new technology-driven products and services, including recent rapid developments in artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1069157/000106915726000009/ewbc-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continuously%20undergoing%20rapid,of%20operations%2C%20financial%20condition%20and%20reputation." } }, { "slug": "enb-financial-corp", "name": "ENB Financial Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "enb-financial-corp", "name": "ENB Financial Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Corporation incorporates AI solutions into platforms that deliver products and services to our customers, including solutions developed by third parties whose AI is integrated into our products and services.", "link": "https://www.sec.gov/Archives/edgar/data/1437479/000117494724000388/enbp-20231231.htm#:~:text=The%20Corporation%20incorporates%20AI%20solutions%20into%20platforms%20that,platforms%20produces%20false%20or%20%E2%80%9Challucinatory%E2%80%9D%20inferences." } }, { "slug": "enb-financial-corp", "name": "ENB Financial Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Corporation incorporates AI solutions into platforms that deliver products and services to our customers, including solutions developed by third parties whose AI is integrated into our products and services.", "link": "https://www.sec.gov/Archives/edgar/data/1437479/000117494725000372/enbp-20241231.htm#:~:text=The%20Corporation%20incorporates%20AI%20solutions%20into%20platforms%20that,platforms%20produces%20false%20or%20%E2%80%9Challucinatory%E2%80%9D%20inferences." } }, { "slug": "enb-financial-corp", "name": "ENB Financial Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Corporation incorporates AI solutions into platforms that deliver products and services to our customers, including solutions developed by third parties whose AI is integrated into our products and services.", "link": "https://www.sec.gov/Archives/edgar/data/1437479/000117494726000410/enbp-20251231.htm#:~:text=The%20Corporation%20incorporates%20AI%20solutions%20into%20platforms%20that,platforms%20produces%20false%20or%20%E2%80%9Challucinatory%E2%80%9D%20inferences." } }, { "slug": "enterprise-bancorp-inc-ma", "name": "Enterprise Bancorp Inc", "state": "MA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "enterprise-bancorp-inc-ma", "name": "Enterprise Bancorp Inc", "state": "MA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The potential use of generative artificial intelligence to launch sophisticated cyber-attacks, and the threat that foreign state-sponsored agencies' cyber threat operations may pose heightened risk of disruptions to U.S. critical infrastructure and thereby the Bank's operations.", "link": "https://www.sec.gov/Archives/edgar/data/1018399/000101839924000015/ebtc-20231231.htm#:~:text=The%20use%20of%20technology%20related%20products%2C%20services%2C%20delivery,measuring%2C%20monitoring%2C%20and%20controlling%20these%20risks." } }, { "slug": "enterprise-bancorp-inc-ma", "name": "Enterprise Bancorp Inc", "state": "MA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The potential use of generative artificial intelligence to launch sophisticated cyber-attacks, and the threat that foreign state-sponsored agencies' cyber threat operations may pose heightened risk of disruptions to U.S. critical infrastructure and thereby the Bank's operations.", "link": "https://www.sec.gov/Archives/edgar/data/1018399/000101839925000013/ebtc-20241231.htm#:~:text=The%20use%20of%20technology%20related%20products%2C%20services%2C%20delivery,measuring%2C%20monitoring%2C%20and%20controlling%20these%20risks." } }, { "slug": "enterprise-financial-services-corp", "name": "Enterprise Financial Services Corp", "state": "MO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "enterprise-financial-services-corp", "name": "Enterprise Financial Services Corp", "state": "MO", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "enterprise-financial-services-corp", "name": "Enterprise Financial Services Corp", "state": "MO", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "As risks associated with cybersecurity threats have and continue to evolve and become more sophisticated, including as a result of artificial intelligence, we have expended, and may in the future expend, significant resources to implement technologies and various response and recovery plans and", "link": "https://www.sec.gov/Archives/edgar/data/1025835/000102583525000039/efsc-20241231.htm#:~:text=Information%20security%2C%20including%20cybersecurity%2C%20is%20a%20high%20priority,or%20losses%20not%20covered%20by%20insurance." } }, { "slug": "enterprise-financial-services-corp", "name": "Enterprise Financial Services Corp", "state": "MO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "As risks associated with cybersecurity threats have and continue to evolve and become more sophisticated, including as a result of artificial intelligence, we have expended, and may in the future expend, significant resources to implement technologies and various response and recovery plans and", "link": "https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm#:~:text=Information%20security%2C%20including%20cybersecurity%2C%20is%20a%20high%20priority,or%20losses%20not%20covered%20by%20insurance." } }, { "slug": "equity-bancshares-inc", "name": "Equity Bancshares Inc", "state": "KS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "equity-bancshares-inc", "name": "Equity Bancshares Inc", "state": "KS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "equity-bancshares-inc", "name": "Equity Bancshares Inc", "state": "KS", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "encouraging the use of AI and other advanced technologies within the public and private sectors. These changes, if implemented and taken as a whole, may have varied effects on the economy that are difficult to predict.", "link": "https://www.sec.gov/Archives/edgar/data/1227500/000095017025035585/eqbk-20241231.htm#:~:text=The%20Trump%20Administration%20has%20commenced%20efforts%20to%20implement,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "equity-bancshares-inc", "name": "Equity Bancshares Inc", "state": "KS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "encouraging the use of AI and other advanced technologies within the public and private sectors. These changes, if implemented and taken as a whole, may have varied effects on the economy that are difficult to predict.", "link": "https://www.sec.gov/Archives/edgar/data/1227500/000119312526100184/eqbk-20251231.htm#:~:text=The%20Trump%20Administration%20has%20commenced%20efforts%20to%20implement,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "evans-bancorp-inc", "name": "Evans Bancorp Inc", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "evans-bancorp-inc", "name": "Evans Bancorp Inc", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "evans-bancorp-inc", "name": "Evans Bancorp Inc", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-bancorp-montana-inc", "name": "Eagle Bancorp Montana, Inc.", "state": "MT", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-bancorp-montana-inc", "name": "Eagle Bancorp Montana, Inc.", "state": "MT", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-bancorp-montana-inc", "name": "Eagle Bancorp Montana, Inc.", "state": "MT", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "eagle-bancorp-montana-inc", "name": "Eagle Bancorp Montana, Inc.", "state": "MT", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of artificial intelligence, including generative artificial intelligence, machine learning and similar tools and technologies that collect, aggregate, analyze or generate data or other materials or content (collectively, “AI”), for limited internal use has increased our efficiency", "link": "https://www.sec.gov/Archives/edgar/data/1478454/000143774926007330/ebmt20251231_10k.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,to%20which%20we%20are%20a%20party." } }, { "slug": "embassy-bancorp-inc", "name": "Embassy Bancorp, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "embassy-bancorp-inc", "name": "Embassy Bancorp, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "embassy-bancorp-inc", "name": "Embassy Bancorp, Inc.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "embassy-bancorp-inc", "name": "Embassy Bancorp, Inc.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "f-and-m-bank-corp", "name": "F&M Bank Corp", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "f-and-m-bank-corp", "name": "F&M Bank Corp", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "f-and-m-bank-corp", "name": "F&M Bank Corp", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "f-and-m-bank-corp", "name": "F&M Bank Corp", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "farmers-and-merchants-bancorp", "name": "Farmers & Merchants Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "farmers-and-merchants-bancorp", "name": "Farmers & Merchants Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "farmers-and-merchants-bancorp", "name": "Farmers & Merchants Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "farmers-and-merchants-bancorp", "name": "Farmers & Merchants Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, also may have unintended consequences, including fraud or cybersecurity risk, due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1085913/000114036126009383/fmcb-20251231.htm#:~:text=Risks%20and%20exposures%20related%20to%20cybersecurity%20attacks%2C%20including,our%20failure%20to%20use%20them%20effectively." } }, { "slug": "farmers-national-banc-corp-oh", "name": "Farmers National Banc Corp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "farmers-national-banc-corp-oh", "name": "Farmers National Banc Corp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "farmers-national-banc-corp-oh", "name": "Farmers National Banc Corp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence and algorithms, in our business processes may have unintended consequences due to their limitations, potential manipulation or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/709337/000095017025034480/fmnb-20241231.htm#:~:text=In%20addition%2C%20our%20implementation%20of%20certain%20new%20technologies%2C,our%20growth%2C%20revenue%20and%20net%20income." } }, { "slug": "farmers-national-banc-corp-oh", "name": "Farmers National Banc Corp", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence and algorithms, in our business processes may have unintended consequences due to their limitations, potential manipulation or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/709337/000143774926007084/fmnb20251231_10k.htm#:~:text=In%20addition%2C%20our%20implementation%20of%20certain%20new%20technologies%2C,our%20growth%2C%20revenue%20and%20net%20income." } }, { "slug": "fb-financial-corp", "name": "FB Financial Corp", "state": "TN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fb-financial-corp", "name": "FB Financial Corp", "state": "TN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "part of our growth strategy is to focus on expanding market share and product offerings through partnerships with financial technology companies that will supplement our existing offerings, such as blockchain-based products and/or financial solutions supported by artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1649749/000164974924000063/fbk-20231231.htm#:~:text=In%20addition%20to%20better%20serving%20customers%2C%20the%20effective,supported%20by%20artificial%20intelligence.%20These%20technological" } }, { "slug": "fb-financial-corp", "name": "FB Financial Corp", "state": "TN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "describes_plans", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Key technology upgrades included the implementation of AI-based monitoring tools, network infrastructure enhancements and strengthened compliance tracking measures", "link": "https://www.sec.gov/Archives/edgar/data/1649749/000164974925000035/fbk-20241231.htm#:~:text=We%20completed%20key%20projects%20to%20enhance%20regulatory%20compliance%2C,greater%20operational%20efficiency%20and%20risk%20management." } }, { "slug": "fb-financial-corp", "name": "FB Financial Corp", "state": "TN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our current use of AI is confined to controlled, non‑critical administrative or productivity‑support purposes, such as research assistance, drafting, and data summarization.", "link": "https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm#:~:text=We%20make%20limited%20use%20of%20artificial%20intelligence%20technologies%2C,third%E2%80%91party%20software%20and%20services%20we%20use." } }, { "slug": "fidelity-d-and-d-bancorp-inc", "name": "Fidelity D & D Bancorp Inc", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fidelity-d-and-d-bancorp-inc", "name": "Fidelity D & D Bancorp Inc", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Company may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of our internal operations, reputational harm, competitive harm, legal liability and adversely affect our results of operations and stock price.", "link": "https://www.sec.gov/Archives/edgar/data/1098151/000143774924008680/fdbc20231231_10k.htm#:~:text=The%20Company%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price." } }, { "slug": "fidelity-d-and-d-bancorp-inc", "name": "Fidelity D & D Bancorp Inc", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Company may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of our internal operations, reputational harm, competitive harm, legal liability and adversely affect our results of operations and stock price.", "link": "https://www.sec.gov/Archives/edgar/data/1098151/000143774925007555/fdbc20241231_10k.htm#:~:text=The%20Company%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price." } }, { "slug": "fidelity-d-and-d-bancorp-inc", "name": "Fidelity D & D Bancorp Inc", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Company may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of our internal operations, reputational harm, competitive harm, legal liability and adversely affect our results of operations and stock price.", "link": "https://www.sec.gov/Archives/edgar/data/1098151/000143774926008215/fdbc20260301_10k.htm#:~:text=The%20Company%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price." } }, { "slug": "fifth-third-bancorp", "name": "Fifth Third Bancorp", "state": "OH", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fifth-third-bancorp", "name": "Fifth Third Bancorp", "state": "OH", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "increased use of cloud-based technologies as well as the use of emerging technologies such as generative models and artificial intelligence may introduce additional operational risk considerations", "link": "https://www.sec.gov/Archives/edgar/data/35527/000003552724000088/fitb-20231231.htm#:~:text=External%20threats%20remain%20elevated%20which%20may%20result%20in,by%20the%20second%20line%20of%20defense." } }, { "slug": "fifth-third-bancorp", "name": "Fifth Third Bancorp", "state": "OH", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "increased use of cloud-based technologies as well as the use of emerging technologies such as generative models and artificial intelligence may introduce additional operational risk considerations", "link": "https://www.sec.gov/Archives/edgar/data/35527/000003552725000079/fitb-20241231.htm#:~:text=External%20threats%20remain%20elevated%20which%20may%20result%20in,by%20the%20second%20line%20of%20defense." } }, { "slug": "fifth-third-bancorp", "name": "Fifth Third Bancorp", "state": "OH", "year": 2025, "size_group": "$50B and above", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "concrete_detail" ], "quote": { "quote": "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", "link": "https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm#:~:text=In%202025%2C%20Fifth%20Third%20launched%20a%20comprehensive%20platform,the%20organization.%20Fifth%20Third%20leaders%20participated" } }, { "slug": "financial-institutions-inc", "name": "Financial Institutions Inc", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "financial-institutions-inc", "name": "Financial Institutions Inc", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "financial-institutions-inc", "name": "Financial Institutions Inc", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "we face the risk of associates utilizing unauthorized publicly sourced AI tools to complete business functions. Unauthorized use of AI tools could lead to the unintended exposure of confidential data, use of inaccurate results", "link": "https://www.sec.gov/Archives/edgar/data/862831/000095017025037918/fisi-20241231.htm#:~:text=The%20recent%20emergence%20of%20artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29%20is,being%20used%20to%20train%20AI%20systems." } }, { "slug": "financial-institutions-inc", "name": "Financial Institutions Inc", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "we face the risk of associates utilizing unauthorized publicly sourced AI tools to complete business functions. Unauthorized use of AI tools could lead to the unintended exposure of confidential data, use of inaccurate results", "link": "https://www.sec.gov/Archives/edgar/data/862831/000119312526098467/fisi-20251231.htm#:~:text=The%20emergence%20of%20AI%20is%20an%20example%20of,being%20used%20to%20train%20AI%20systems." } }, { "slug": "first-bancorp-nc", "name": "First Bancorp", "state": "NC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-nc", "name": "First Bancorp", "state": "NC", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-nc", "name": "First Bancorp", "state": "NC", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-nc", "name": "First Bancorp", "state": "NC", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-pr", "name": "First Bancorp", "state": "PR", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-pr", "name": "First Bancorp", "state": "PR", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-pr", "name": "First Bancorp", "state": "PR", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence in credit decisions.", "link": "https://www.sec.gov/Archives/edgar/data/1057706/000105770625000002/fbp-20241231.htm#:~:text=lending%20practices%2C%20and%20the%20use%20of%20artificial%20intelligence%20in%20credit%20decisions." } }, { "slug": "first-bancorp-pr", "name": "First Bancorp", "state": "PR", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancshares-inc-ms", "name": "First Bancshares Inc", "state": "MS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancshares-inc-ms", "name": "First Bancshares Inc", "state": "MS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancshares-inc-ms", "name": "First Bancshares Inc", "state": "MS", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "developments in generative artificial intelligence (“AI”) may heighten these risks by enabling more sophisticated cyber threats, including AI-generated phishing attacks and automated vulnerability exploitation.", "link": "https://www.sec.gov/Archives/edgar/data/947559/000094755925000007/fbms-20241231.htm#:~:text=We%20necessarily%20collect%2C%20use%20and%20hold%20personal%20and,could%20also%20result%20in%20additional%20costs." } }, { "slug": "first-busey-corp-nv", "name": "First Busey Corp", "state": "KS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-busey-corp-nv", "name": "First Busey Corp", "state": "KS", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "an additional concern with GAI pertains to the utilization of voice-enabled AI for communicating promotional messages to our customer base.", "link": "https://www.sec.gov/Archives/edgar/data/314489/000031448924000054/buse-20231231.htm#:~:text=Moreover%2C%20an%20additional%20concern%20with%20GAI%20pertains%20to,remains%20integral%20to%20sustaining%20operational%20resilience." } }, { "slug": "first-busey-corp-nv", "name": "First Busey Corp", "state": "KS", "year": 2024, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "names_ai_company", "concrete_detail", "risk_without_governance" ], "quote": { "quote": "The use of artificial intelligence-powered tools, such as Verafin, provide additional layers of fraud detection, enabling proactive threat management.", "link": "https://www.sec.gov/Archives/edgar/data/314489/000031448925000041/buse-20241231.htm#:~:text=To%20mitigate%20these%20risks%2C%20Busey%20has%20implemented%20robust,with%20robust%20security%20protocols%20in%20place." } }, { "slug": "first-busey-corp-nv", "name": "First Busey Corp", "state": "KS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "The use of artificial intelligence-powered tools provide additional layers of fraud and threat detection, enabling proactive management.", "link": "https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm#:~:text=To%20mitigate%20these%20risks%2C%20Busey%20has%20implemented%20robust,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-business-financial-services-inc", "name": "First Business Financial Services, Inc.", "state": "WI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-business-financial-services-inc", "name": "First Business Financial Services, Inc.", "state": "WI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-business-financial-services-inc", "name": "First Business Financial Services, Inc.", "state": "WI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of AI technology to facilitate identity theft", "link": "https://www.sec.gov/Archives/edgar/data/1521951/000095017025027715/fbiz-20241231.htm#:~:text=By%20its%20nature%2C%20our%20business%20involves%20our%20operating,be%20subject%20to%20regulatory%20action%2C%20and" } }, { "slug": "first-business-financial-services-inc", "name": "First Business Financial Services, Inc.", "state": "WI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Provided employees with extensive artificial intelligence tools training to enhance productivity and proficiency, modernize workflows, and improve operational efficiency across the Company.", "link": "https://www.sec.gov/Archives/edgar/data/1521951/000119312526071523/fbiz-20251231.htm#:~:text=Provided%20employees%20with%20extensive%20artificial%20intelligence%20tools%20training,improve%20operational%20efficiency%20across%20the%20Company." } }, { "slug": "first-citizens-bancshares-inc-de", "name": "First Citizens Bancshares Inc", "state": "NC", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-citizens-bancshares-inc-de", "name": "First Citizens Bancshares Inc", "state": "NC", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the Biden Administration issued an Executive Order on the use of and risks associated with artificial intelligence (“AI”) systems, requiring certain federal agencies, including the CFPB, to address potential discrimination in the housing and consumer financial markets relating to the use by", "link": "https://www.sec.gov/Archives/edgar/data/798941/000079894124000018/fcnca-20231231.htm#:~:text=On%20October%2030%2C%202023%2C%20the%20Biden%20Administration%20issued,by%20financial%20institutions%20of%20AI%20technologies." } }, { "slug": "first-citizens-bancshares-inc-de", "name": "First Citizens Bancshares Inc", "state": "NC", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We continue to monitor and evaluate proposals related to AI regulation and assess their potential impact.", "link": "https://www.sec.gov/Archives/edgar/data/798941/000079894125000010/fcnca-20241231.htm#:~:text=States%20are%20actively%20regulating%20the%20use%20of%20AI,regulation%20and%20assess%20their%20potential%20impact." } }, { "slug": "first-citizens-bancshares-inc-de", "name": "First Citizens Bancshares Inc", "state": "NC", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We are subject to regulation of our business and operations, including risk management, with respect to artificial intelligence (“AI”). On June 24, 2024, the CFPB along with the federal banking agencies", "link": "https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm#:~:text=We%20are%20subject%20to%20regulation%20of%20our%20business,secured%20by%20a%20consumer%E2%80%99s%20principal%20dwelling." } }, { "slug": "first-commonwealth-financial-corp-pa", "name": "First Commonwealth Financial Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/712537/000071253723000050/fcf-20221231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-commonwealth-financial-corp-pa", "name": "First Commonwealth Financial Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/712537/000071253724000054/fcf-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-commonwealth-financial-corp-pa", "name": "First Commonwealth Financial Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the techniques used in such attempts are constantly evolving, including as a result of artificial intelligence, and generally are not recognized until launched against a target", "link": "https://www.sec.gov/Archives/edgar/data/712537/000071253725000061/fcf-20241231.htm#:~:text=Even%20well%20protected%20information%2C%20networks%2C%20systems%20and%20facilities,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-commonwealth-financial-corp-pa", "name": "First Commonwealth Financial Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the techniques used in such attempts are constantly evolving, including as a result of artificial intelligence, and generally are not recognized until launched against a target", "link": "https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm#:~:text=Even%20well%2Dprotected%20information%2C%20networks%2C%20systems%20and%20facilities%20remain,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-community-bankshares-inc-va", "name": "First Community Bankshares Inc", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-community-bankshares-inc-va", "name": "First Community Bankshares Inc", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-community-bankshares-inc-va", "name": "First Community Bankshares Inc", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-community-bankshares-inc-va", "name": "First Community Bankshares Inc", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We may face new operational, compliance, reputational and legal risks due to the development and use of artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/859070/000143774926007180/fcbc20251231c_10k.htm#:~:text=We%20may%20face%20new%20operational%2C%20compliance%2C%20reputational%20and,development%20and%20use%20of%20artificial%20intelligence." } }, { "slug": "first-community-corp-sc", "name": "First Community Corp", "state": "SC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-community-corp-sc", "name": "First Community Corp", "state": "SC", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-community-corp-sc", "name": "First Community Corp", "state": "SC", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI by us or our third-party vendors poses significant risks. The evolving legal and regulatory landscape—covering intellectual property, privacy, consumer protection, employment, and more—could force costly changes and heighten non-compliance risks.", "link": "https://www.sec.gov/Archives/edgar/data/932781/000155278125000082/e25084_fcco-10k.htm#:~:text=The%20development%20and%20use%20of%20AI%20by%20us,and%20adverse%20impacts%20on%20our%20business." } }, { "slug": "first-community-corp-sc", "name": "First Community Corp", "state": "SC", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI by us or our third-party vendors poses significant risks. The evolving legal and regulatory landscape—covering intellectual property, privacy, consumer protection, employment, and more—could force costly changes and heighten non-compliance risks.", "link": "https://www.sec.gov/Archives/edgar/data/932781/000155278126000126/e26095_fcco-10k.htm#:~:text=The%20development%20and%20use%20of%20AI%20by%20us,and%20adverse%20impacts%20on%20our%20business." } }, { "slug": "first-financial-bancorp-oh", "name": "First Financial Bancorp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-bancorp-oh", "name": "First Financial Bancorp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-bancorp-oh", "name": "First Financial Bancorp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "implementation of certain new technologies, such as artificial intelligence, machine learning and other large language models and similar technologies, can expose us to new or increased operational risks, including risks related to our system of internal controls", "link": "https://www.sec.gov/Archives/edgar/data/708955/000070895525000012/ffbc-20241231.htm#:~:text=Additionally%2C%20implementation%20of%20certain%20new%20technologies%2C%20such%20as,our%20competitors%20have%20greater%20resources%20to" } }, { "slug": "first-financial-bancorp-oh", "name": "First Financial Bancorp", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "Increased use of artificial intelligence (AI) by vendors can further increase the risks of a cybersecurity breach, as discussed in the Risk Factor titled “The increased use and capacity of AI, Generative AI, large language models (LLMs), and AI agents by customers, vendors and competitors increases", "link": "https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm#:~:text=In%20addition%2C%20a%20cybersecurity%20breach%20of%20a%20vendor%27s,planning%20addresses%20disruption%20in%20critical%20vendors." } }, { "slug": "first-financial-bankshares-inc", "name": "First Financial Bankshares Inc", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-bankshares-inc", "name": "First Financial Bankshares Inc", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges in connection with the adoption of, or failure to adopt, new technology, such as artificial intelligence, which could result in unintended consequences or expenses as a result of the technology's limitations", "link": "https://www.sec.gov/Archives/edgar/data/36029/000095017024019528/ffin-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,products%20and%20services%20to%20our%20customers." } }, { "slug": "first-financial-bankshares-inc", "name": "First Financial Bankshares Inc", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges in connection with the adoption of, or failure to adopt, new technology, such as artificial intelligence, which could result in unintended consequences or expenses as a result of the technology's limitations", "link": "https://www.sec.gov/Archives/edgar/data/36029/000095017025024666/ffin-20241231.htm#:~:text=additional%20efficiencies%20in%20our%20operations.%20We%20may%20experience,products%20and%20services%20to%20our%20customers." } }, { "slug": "first-financial-bankshares-inc", "name": "First Financial Bankshares Inc", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges in connection with the adoption of, or failure to adopt, new technology, such as artificial intelligence, which could result in unintended consequences or expenses as a result of the technology's limitations", "link": "https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,products%20and%20services%20to%20our%20customers." } }, { "slug": "first-financial-corp-in", "name": "First Financial Corp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-corp-in", "name": "First Financial Corp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-corp-in", "name": "First Financial Corp", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "concrete_detail", "risk_without_governance" ], "quote": { "quote": "The Corporation implemented a form of AI with its intelligent digital assistant, Gabby, available through the Bank’s website.", "link": "https://www.sec.gov/Archives/edgar/data/714562/000071456225000010/thff-20241231x10k.htm#:~:text=The%20growth%20of%20artificial%20intelligence%2C%20machine%20learning%2C%20and,revenue%2C%20expenses%2C%20and%20results%20of%20operations." } }, { "slug": "first-financial-corp-in", "name": "First Financial Corp", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic", "concrete_detail" ], "quote": { "quote": "The Corporation implemented a form of AI with its intelligent digital assistant, Gabby, available through the Bank’s website.", "link": "https://www.sec.gov/Archives/edgar/data/714562/000071456226000014/thff-20251231x10k.htm#:~:text=The%20Corporation%20implemented%20a%20form%20of%20AI%20with,financial%20condition%2C%20and%20results%20of%20operations." } }, { "slug": "first-hawaiian-inc", "name": "First Hawaiian, Inc.", "state": "HI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-hawaiian-inc", "name": "First Hawaiian, Inc.", "state": "HI", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI present risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/36377/000155837024001995/fhb-20231231x10k.htm#:~:text=%E2%80%A2%20The%20development%20and%20use%20of%20AI%20present,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "first-hawaiian-inc", "name": "First Hawaiian, Inc.", "state": "HI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI present risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/36377/000155837025001943/fhb-20241231x10k.htm#:~:text=%E2%80%A2%20The%20development%20and%20use%20of%20AI%20present,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "first-hawaiian-inc", "name": "First Hawaiian, Inc.", "state": "HI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "policies for critical security operational functions related to encryption, endpoint protection, vulnerability management, remote access, multifactor authentication, handling confidential information, use of internet, social media, email, artificial intelligence (AI), and wireless devices", "link": "https://www.sec.gov/Archives/edgar/data/36377/000110465926021544/fhb-20251231x10k.htm#:~:text=In%20addition%2C%20the%20Company%20has%20a%20set%20of,and%20are%20approved%20by%20senior%20management." } }, { "slug": "first-horizon-corp", "name": "First Horizon Corp", "state": "TN", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "companies which claim to offer applications and services based on artificial intelligence compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as financial planning and wealth management.", "link": "https://www.sec.gov/Archives/edgar/data/36966/000003696623000016/fhn-20221231.htm#:~:text=For%20example%2C%20companies%20which%20claim%20to%20offer%20applications,large%20firms%2C%20may%20amplify%20this%20trend." } }, { "slug": "first-horizon-corp", "name": "First Horizon Corp", "state": "TN", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "IT risk management also includes IT system reliability, data integrity, IT aspects of regulatory compliance, and risks associated with the use of artificial intelligence tools and systems.", "link": "https://www.sec.gov/Archives/edgar/data/36966/000003696624000015/fhn-20231231.htm#:~:text=As%20FHN%20manages%20it%2C%20IT%20risk%20includes%20cybersecurity,Item%201A%20beginning%20on%20page%2033." } }, { "slug": "first-horizon-corp", "name": "First Horizon Corp", "state": "TN", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "IT risk management also includes IT system reliability, data integrity, IT aspects of regulatory compliance, and risks associated with the use of artificial intelligence tools and systems.", "link": "https://www.sec.gov/Archives/edgar/data/36966/000003696625000024/fhn-20241231.htm#:~:text=As%20FHN%20manages%20it%2C%20IT%20risk%20includes%20cybersecurity,Item%201A%20beginning%20on%20page%2035." } }, { "slug": "first-horizon-corp", "name": "First Horizon Corp", "state": "TN", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "New technologies, services, and systems based wholly or in part on artificial intelligence are proliferating within our industry, including at our Company as we are seeking to accelerate both our data capabilities and our responsible use of artificial", "link": "https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm#:~:text=New%20technologies%20proliferating%20in%20the%20financial%20services%20industry,and%20our%20responsible%20use%20of%20artificial" } }, { "slug": "first-interstate-bancsystem-inc", "name": "First Interstate Bancsystem Inc", "state": "MT", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-interstate-bancsystem-inc", "name": "First Interstate Bancsystem Inc", "state": "MT", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "financial institutions are investing significantly in new technologies, such as artificial intelligence (AI), machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards", "link": "https://www.sec.gov/Archives/edgar/data/860413/000086041324000016/fibk-20231231.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,operating%20results%20could%20be%20adversely%20affected." } }, { "slug": "first-interstate-bancsystem-inc", "name": "First Interstate Bancsystem Inc", "state": "MT", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "financial institutions are investing significantly in new technologies, such as AI, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards", "link": "https://www.sec.gov/Archives/edgar/data/860413/000086041325000022/fibk-20241231.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,operating%20results%20could%20be%20adversely%20affected." } }, { "slug": "first-interstate-bancsystem-inc", "name": "First Interstate Bancsystem Inc", "state": "MT", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "financial institutions are investing significantly in new technologies, such as AI, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards", "link": "https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,operating%20results%20could%20be%20adversely%20affected." } }, { "slug": "first-keystone-corp", "name": "First Keystone Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-keystone-corp", "name": "First Keystone Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-keystone-corp", "name": "First Keystone Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "The Corporation may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of its internal operations, reputational harm, competitive harm, legal liability and adversely affect the Corporation’s results of operations and stock", "link": "https://www.sec.gov/Archives/edgar/data/737875/000073787525000012/fkys-20241231x10k.htm#:~:text=The%20Corporation%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price." } }, { "slug": "first-keystone-corp", "name": "First Keystone Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the techniques used for cyber-attacks are becoming increasingly sophisticated, including the use of AI, and there can be no assurance that preventive and detective measures are fail-safe.", "link": "https://www.sec.gov/Archives/edgar/data/737875/000073787526000009/fkys-20251231x10k.htm#:~:text=The%20Corporation%20maintains%20policies%20and%20procedures%20designed%20to,preventive%20and%20detective%20measures%20are%20fail%2Dsafe." } }, { "slug": "first-merchants-corp", "name": "First Merchants Corp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-merchants-corp", "name": "First Merchants Corp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-merchants-corp", "name": "First Merchants Corp", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-merchants-corp", "name": "First Merchants Corp", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Although the Corporation has established governance, risk management, and control frameworks intended to oversee the use of artificial intelligence, these frameworks may not identify or mitigate all current or emerging risks associated with rapidly evolving technologies.", "link": "https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm#:~:text=The%20evolving%20legal%2C%20regulatory%2C%20and%20compliance%20framework%20for,protections%20with%20respect%20to%20these%20matters." } }, { "slug": "first-mid-bancshares-inc", "name": "First Mid Bancshares, Inc.", "state": "IL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-mid-bancshares-inc", "name": "First Mid Bancshares, Inc.", "state": "IL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-mid-bancshares-inc", "name": "First Mid Bancshares, Inc.", "state": "IL", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-mid-bancshares-inc", "name": "First Mid Bancshares, Inc.", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-national-corp-va", "name": "First National Corp", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-national-corp-va", "name": "First National Corp", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-national-corp-va", "name": "First National Corp", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-national-corp-va", "name": "First National Corp", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "AI may introduce the Company to novel or intensified legal, regulatory, ethical, operational, reputational or other risks. AI usage is subject to a range of existing laws and regulations.", "link": "https://www.sec.gov/Archives/edgar/data/719402/000143774926009748/fxnc20251231_10k.htm#:~:text=Further%2C%20the%20Company%20may%20utilize%20new%20technology%2C%20such,or%20effectively%20than%20the%20Company%20does." } }, { "slug": "first-of-long-island-corp", "name": "First of Long Island Corp", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-of-long-island-corp", "name": "First of Long Island Corp", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-of-long-island-corp", "name": "First of Long Island Corp", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-united-corp-md", "name": "First United Corp", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/763907/000155837023004547/func-20221231x10k.htm#:~:text=We%20use%20various%20technologies%20in%20conducting%20our%20businesses%2C,systems%2C%20and%20our%20reliance%20on%20cloud" } }, { "slug": "first-united-corp-md", "name": "First United Corp", "state": "MD", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/763907/000155837024003390/func-20231231x10k.htm#:~:text=that%20will%20satisfy%20customer%20demands%2C%20as%20well%20as,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-united-corp-md", "name": "First United Corp", "state": "MD", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/763907/000155837025003375/func-20241231x10k.htm#:~:text=We%20use%20various%20technologies%20in%20conducting%20our%20businesses%2C,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-united-corp-md", "name": "First United Corp", "state": "MD", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/763907/000110465926025836/func-20251231x10k.htm#:~:text=In%20addition%2C%20our%20implementation%20of%20certain%20new%20technologies%2C,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "first-us-bancshares-inc", "name": "First Us Bancshares, Inc.", "state": "AL", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-us-bancshares-inc", "name": "First Us Bancshares, Inc.", "state": "AL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The Executive Order also requires certain federal agencies, including the CFPB, to address potential discrimination in the housing and consumer financial markets relating to the use by financial institutions of AI technologies.", "link": "https://www.sec.gov/Archives/edgar/data/717806/000095017024031518/fusb-20231231.htm#:~:text=On%20October%2030%2C%202023%2C%20the%20current%20Presidential%20Administration,the%20use%20of%20automated%20decision%20making." } }, { "slug": "first-us-bancshares-inc", "name": "First Us Bancshares, Inc.", "state": "AL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Executive Order also requires certain federal agencies, including the CFPB, to address potential discrimination in the housing and consumer financial markets relating to the use by financial institutions of AI technologies.", "link": "https://www.sec.gov/Archives/edgar/data/717806/000095017025039251/fusb-20241231.htm#:~:text=On%20October%2030%2C%202023%2C%20the%20Biden%20administration%20issued,the%20use%20of%20automated%20decision%20making." } }, { "slug": "first-us-bancshares-inc", "name": "First Us Bancshares, Inc.", "state": "AL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the CFPB published a report addressing the use by financial institutions of AI chatbots in the provision of financial products and services, which report also highlighted the limitations and various risks posed by such activity.", "link": "https://www.sec.gov/Archives/edgar/data/717806/000119312526103635/fusb-20251231.htm#:~:text=In%202023%2C%20the%20CFPB%20published%20a%20report%20addressing,be%20developed%20at%20the%20national%20level." } }, { "slug": "firstsun-capital-bancorp", "name": "Firstsun Capital Bancorp", "state": "CO", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "companies which claim to offer applications and services based on artificial intelligence are beginning to compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as financial planning and wealth management.", "link": "https://www.sec.gov/Archives/edgar/data/1709442/000170944223000005/fcb-20221231.htm#:~:text=A%20number%20of%20recent%20technologies%20have%20worked%20with,banks%20as%20secure%20deposit%2Dkeepers%20and%20intermediaries." } }, { "slug": "firstsun-capital-bancorp", "name": "Firstsun Capital Bancorp", "state": "CO", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the potential impacts of artificial intelligence, potential pandemic risks, the potential resurgence of economic and political tensions with China, the Middle East or the continuing Russian invasion of Ukraine, any of which may have a destabilizing effect on financial markets and economic activity.", "link": "https://www.sec.gov/Archives/edgar/data/1709442/000170944224000013/fcb-20231231.htm#:~:text=The%20Federal%20Reserve%20has%20shifted%20its%20focus%20to,our%20capital%2C%20liquidity%20and%20financial%20condition." } }, { "slug": "firstsun-capital-bancorp", "name": "Firstsun Capital Bancorp", "state": "CO", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the potential impacts of artificial intelligence, potential pandemic risks, the potential resurgence of economic and political tensions with China", "link": "https://www.sec.gov/Archives/edgar/data/1709442/000170944225000008/fcb-20241231.htm#:~:text=The%20Federal%20Reserve%20has%20shifted%20its%20focus%20to,our%20capital%2C%20liquidity%20and%20financial%20condition." } }, { "slug": "firstsun-capital-bancorp", "name": "Firstsun Capital Bancorp", "state": "CO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "rapid adoption of AI by competitors, either in financial services or FinTech, could create significant pressure on pricing, automation, or client satisfaction. If we fail to keep pace with AI-enabled analytics and customer offerings, our competitive positioning could be detrimentally impacted.", "link": "https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm#:~:text=In%20addition%2C%20our%20ability%20to%20successfully%20attract%20and,competitive%20positioning%20could%20be%20detrimentally%20impacted." } }, { "slug": "five-star-bancorp", "name": "Five Star Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "five-star-bancorp", "name": "Five Star Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "five-star-bancorp", "name": "Five Star Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "five-star-bancorp", "name": "Five Star Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or generate data or other materials or content (collectively, “AI”), for limited internal use has increased our efficiency", "link": "https://www.sec.gov/Archives/edgar/data/1275168/000162828026012724/fsbc-20251231.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,proprietary%20or%20personal%20information%2C%20and%20violations" } }, { "slug": "flushing-financial-corp", "name": "Flushing Financial Corp", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "information security vulnerabilities can pose increased cyber-risk as they can be combined and chained together more easily with machine learning technology.", "link": "https://www.sec.gov/Archives/edgar/data/923139/000155837023003746/ffic-20221231x10k.htm#:~:text=learning%20and%20artificial%20intelligence.%20As%20threats%20continue%20to,more%20easily%20with%20machine%20learning%20technology." } }, { "slug": "flushing-financial-corp", "name": "Flushing Financial Corp", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "information security vulnerabilities can pose increased cyber-risk as they can be combined and chained together more easily with machine learning technology.", "link": "https://www.sec.gov/Archives/edgar/data/923139/000155837024003358/ffic-20231231x10k.htm#:~:text=learning%20and%20artificial%20intelligence.%20As%20threats%20continue%20to,more%20easily%20with%20machine%20learning%20technology." } }, { "slug": "flushing-financial-corp", "name": "Flushing Financial Corp", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning" ], "quote": { "quote": "we can increase our ability to detect and prevent cyber-attacks through automation and the implementation of security controls which leverage machine learning and artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/923139/000155837025002687/ffic-20241231x10k.htm#:~:text=Information%20security%20incidents%20may%20also%20occur%20due%20to,more%20easily%20with%20machine%20learning%20technology." } }, { "slug": "flushing-financial-corp", "name": "Flushing Financial Corp", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning" ], "quote": { "quote": "we can increase our ability to detect and prevent cyber-attacks through automation and the implementation of security controls which leverage machine learning and artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/923139/000110465926024646/ffic-20251231x10k.htm#:~:text=Information%20security%20incidents%20may%20also%20occur%20due%20to,more%20easily%20with%20machine%20learning%20technology." } }, { "slug": "fnb-corp-pa", "name": "F.N.B. Corporation", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fnb-corp-pa", "name": "F.N.B. Corporation", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including recent and rapid developments in artificial intelligence. The effective use of technology increases efficiency and enables financial institutions to better compete for and serve customers and reduce costs.", "link": "https://www.sec.gov/Archives/edgar/data/37808/000003780824000006/fnb-20231231.htm#:~:text=The%20banking%20and%20financial%20services%20industry%20continually%20undergoes,negatively%20affect%20our%20revenue%20and%20profitability." } }, { "slug": "fnb-corp-pa", "name": "F.N.B. Corporation", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including recent and rapid developments in artificial intelligence. The effective use of technology increases efficiency and enables financial institutions to better compete for and serve customers and reduce costs.", "link": "https://www.sec.gov/Archives/edgar/data/37808/000003780825000071/fnb-20241231.htm#:~:text=The%20banking%20and%20financial%20services%20industry%20continually%20undergoes,negatively%20affect%20our%20revenue%20and%20profitability." } }, { "slug": "fnb-corp-pa", "name": "F.N.B. Corporation", "state": "PA", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "continually make technological investments to remain competitive in the financial services industry, including the use of AI.", "link": "https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm#:~:text=The%20ability%20to%20deploy%20and%20use%20technology%20effectively,efficiently%20grow%20and%20expand%20customer%20relationships." } }, { "slug": "fncb-bancorp-inc", "name": "FNCB Bancorp, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "utilizing artificial intelligence and robotics to streamline workflows", "link": "https://www.sec.gov/Archives/edgar/data/1035976/000143774923006166/fncb20221231_10k.htm#:~:text=Looking%20ahead%20to%202023%2C%20with%20increased%20market%20rates%2C,wallet%20share%20and%20organic%20loan%20growth." } }, { "slug": "fncb-bancorp-inc", "name": "FNCB Bancorp, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "franklin-financial-services-corp-pa", "name": "Franklin Financial Services Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "franklin-financial-services-corp-pa", "name": "Franklin Financial Services Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "franklin-financial-services-corp-pa", "name": "Franklin Financial Services Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "franklin-financial-services-corp-pa", "name": "Franklin Financial Services Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Corporation may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of its internal operations, reputational harm, competitive harm, legal liability and adversely affect its results of operations and stock price.", "link": "https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm#:~:text=The%20Corporation%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price." } }, { "slug": "fulton-financial-corp", "name": "Fulton Financial Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fulton-financial-corp", "name": "Fulton Financial Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, machine learning and automated decision making, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/700564/000070056424000012/fult-20231231.htm#:~:text=The%20financial%20services%20industry%20experiences%20continuous%20technological%20change,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "fulton-financial-corp", "name": "Fulton Financial Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, machine learning and automated decision making, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/700564/000070056425000014/fult-20241231.htm#:~:text=The%20financial%20services%20industry%20experiences%20continuous%20technological%20change,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "fulton-financial-corp", "name": "Fulton Financial Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, machine learning and automated decision making, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm#:~:text=The%20financial%20services%20industry%20experiences%20continuous%20technological%20change,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "fvcbankcorp-inc", "name": "FVCBankcorp, Inc.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fvcbankcorp-inc", "name": "FVCBankcorp, Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "fvcbankcorp-inc", "name": "FVCBankcorp, Inc.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1675644/000167564425000035/fvcb-20241231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%2C%20or%20counterparties,the%20effectiveness%20of%20our%20security%20measures." } }, { "slug": "fvcbankcorp-inc", "name": "FVCBankcorp, Inc.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, and includes regulatory schemes targeted specifically at AI", "link": "https://www.sec.gov/Archives/edgar/data/1675644/000167564426000023/fvcb-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%2C%20or%20counterparties,the%20outputs%20of%20their%20models%2C%20matters" } }, { "slug": "finwise-bancorp", "name": "Finwise Bancorp", "state": "UT", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "finwise-bancorp", "name": "Finwise Bancorp", "state": "UT", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "finwise-bancorp", "name": "Finwise Bancorp", "state": "UT", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "finwise-bancorp", "name": "Finwise Bancorp", "state": "UT", "year": 2025, "size_group": "Under $1B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "While we have policies prohibiting our employees from using non-approved generative AI applications or websites on the Company or the Bank’s network, there can be no assurances that our employees will adhere to these policies", "link": "https://www.sec.gov/Archives/edgar/data/1856365/000185636526000006/finw-20251231.htm#:~:text=While%20we%20have%20policies%20prohibiting%20our%20employees%20from,sensitive%20client%20information%2C%20with%20AI%20technologies." } }, { "slug": "first-bancorp-inc-me", "name": "First Bancorp, Inc", "state": "ME", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-inc-me", "name": "First Bancorp, Inc", "state": "ME", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-bancorp-inc-me", "name": "First Bancorp, Inc", "state": "ME", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning", "describes_governance" ], "quote": { "quote": "As a result of recent innovations related to artificial intelligence (\"AI\"), the Bank has created a task force to analyze current and future use cases for AI to ensure it is used effectively and securely.", "link": "https://www.sec.gov/Archives/edgar/data/765207/000076520725000018/fnlc-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20technological,it%20is%20used%20effectively%20and%20securely." } }, { "slug": "first-bancorp-inc-me", "name": "First Bancorp, Inc", "state": "ME", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "mentions_genai" ], "quote": { "quote": "Currently employees have access to generative AI applications for limited productivity and research purposes.", "link": "https://www.sec.gov/Archives/edgar/data/765207/000076520726000067/fnlc-20251231.htm#:~:text=As%20a%20result%20of%20recent%20innovations%20related%20to,and%20risks%20associated%20with%20AI%20technologies." } }, { "slug": "first-financial-northwest-inc", "name": "First Financial Northwest, Inc.", "state": "WA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-northwest-inc", "name": "First Financial Northwest, Inc.", "state": "WA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-financial-northwest-inc", "name": "First Financial Northwest, Inc.", "state": "WA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.", "link": "https://www.sec.gov/Archives/edgar/data/1401564/000093905725000075/ffnw-20241231.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny." } }, { "slug": "first-foundation-inc", "name": "First Foundation Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-foundation-inc", "name": "First Foundation Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-foundation-inc", "name": "First Foundation Inc.", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-foundation-inc", "name": "First Foundation Inc.", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-internet-bancorp", "name": "First Internet Bancorp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-internet-bancorp", "name": "First Internet Bancorp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-internet-bancorp", "name": "First Internet Bancorp", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-internet-bancorp", "name": "First Internet Bancorp", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-western-financial-inc", "name": "First Western Financial Inc", "state": "CO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "first-western-financial-inc", "name": "First Western Financial Inc", "state": "CO", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges in connection with the adoption of or failure to adopt, new technology, such as artificial intelligence, which could result in unintended consequences or expenses as a result of the technology's limitations", "link": "https://www.sec.gov/Archives/edgar/data/1327607/000132760724000058/myfw-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20change%2C,new%20technology%20in%20a%20timely%20manner." } }, { "slug": "first-western-financial-inc", "name": "First Western Financial Inc", "state": "CO", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (\"AI\") presents risks and challenges that may adversely impact the Company’s business.", "link": "https://www.sec.gov/Archives/edgar/data/1327607/000132760725000020/myfw-20241231.htm#:~:text=%E2%80%93The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%22AI%22%29,may%20adversely%20impact%20the%20Company%E2%80%99s%20business." } }, { "slug": "first-western-financial-inc", "name": "First Western Financial Inc", "state": "CO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (AI) presents risks and challenges that may adversely impact the Company’s business.", "link": "https://www.sec.gov/Archives/edgar/data/1327607/000162828026012825/myfw-20251231.htm#:~:text=%E2%80%93The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28AI%29,may%20adversely%20impact%20the%20Company%E2%80%99s%20business." } }, { "slug": "gbank-financial-holdings-inc", "name": "GBank Financial Holdings Inc.", "state": "NV", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to our business.", "link": "https://www.sec.gov/Archives/edgar/data/1791145/000119312526129567/gbfh-20251231.htm#:~:text=We%20may%20develop%20or%20incorporate%20AI%20technology%20in,risks%20and%20challenges%20to%20our%20business." } }, { "slug": "german-american-bancorp-inc", "name": "German American Bancorp, Inc.", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "german-american-bancorp-inc", "name": "German American Bancorp, Inc.", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "german-american-bancorp-inc", "name": "German American Bancorp, Inc.", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "german-american-bancorp-inc", "name": "German American Bancorp, Inc.", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "emerging technologies such as artificial intelligence may further enhance their ability to perpetrate fraud", "link": "https://www.sec.gov/Archives/edgar/data/714395/000071439526000011/gabc-20251231.htm#:~:text=Although%20we%20employ%20robust%20security%20measures%2C%20including%20authentication,enhance%20their%20ability%20to%20perpetrate%20fraud." } }, { "slug": "glacier-bancorp-inc", "name": "Glacier Bancorp, Inc.", "state": "MT", "year": 2022, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "emerging risks from the use of applications that may rely on artificial intelligence. Our models and strategies may not be adequate due to limited historical data and shocks caused by extreme or unanticipated market changes", "link": "https://www.sec.gov/Archives/edgar/data/868671/000086867123000045/gbci-20221231.htm#:~:text=We%20use%20models%20and%20strategies%20to%20forecast%20losses%2C,and%20manage%20current%20and%20evolving%20risks." } }, { "slug": "glacier-bancorp-inc", "name": "Glacier Bancorp, Inc.", "state": "MT", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "emerging risks from the use of applications that may rely on artificial intelligence. Our models and strategies may not be adequate due to limited historical data and shocks caused by extreme or unanticipated market changes", "link": "https://www.sec.gov/Archives/edgar/data/868671/000086867124000042/gbci-20231231.htm#:~:text=We%20use%20models%20and%20strategies%20to%20forecast%20losses%2C,current%20and%20evolving%20risks%20we%20face." } }, { "slug": "glacier-bancorp-inc", "name": "Glacier Bancorp, Inc.", "state": "MT", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "emerging risks from the use of applications that may rely on artificial intelligence. Our models and strategies may not be adequate due to limited historical data and shocks caused by extreme or unanticipated market changes", "link": "https://www.sec.gov/Archives/edgar/data/868671/000086867125000046/gbci-20241231.htm#:~:text=We%20use%20models%20and%20strategies%20to%20forecast%20losses%2C,current%20and%20evolving%20risks%20we%20face." } }, { "slug": "glacier-bancorp-inc", "name": "Glacier Bancorp, Inc.", "state": "MT", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "emerging risks from the use of applications that may rely on artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm#:~:text=We%20use%20models%20and%20strategies%20to%20forecast%20losses%2C,artificial%20intelligence.%20Our%20models%20and%20strategies" } }, { "slug": "glen-burnie-bancorp", "name": "Glen Burnie Bancorp", "state": "MD", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "glen-burnie-bancorp", "name": "Glen Burnie Bancorp", "state": "MD", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "glen-burnie-bancorp", "name": "Glen Burnie Bancorp", "state": "MD", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "goldman-sachs-group-inc", "name": "Goldman Sachs Group", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "goldman-sachs-group-inc", "name": "Goldman Sachs Group", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "other risk committees with dedicated oversight for technology-related risks, including cybersecurity matters and artificial intelligence (AI), report into the Firmwide Operational Risk and Resilience Committee", "link": "https://www.sec.gov/Archives/edgar/data/886982/000088698224000006/gs-20231231.htm#:~:text=%E2%80%A2Firmwide%20Operational%20Risk%20and%20Resilience%20Committee.%20The%20Firmwide,of%20the%20Firmwide%20Enterprise%20Risk%20Committee." } }, { "slug": "goldman-sachs-group-inc", "name": "Goldman Sachs Group", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "the Firmwide Artificial Intelligence Risk and Controls Committee, which oversees risks associated with the use of AI, reports to the Firmwide Technology Risk Committee.", "link": "https://www.sec.gov/Archives/edgar/data/886982/000088698225000005/gs-20241231.htm#:~:text=%E2%80%A2Firmwide%20Technology%20Risk%20Committee.%20The%20Firmwide%20Technology%20Risk,to%20the%20Firmwide%20Technology%20Risk%20Committee." } }, { "slug": "goldman-sachs-group-inc", "name": "Goldman Sachs Group", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "the Firmwide Artificial Intelligence Risk and Controls Committee, which oversees risks associated with the use of AI, reports to the Firmwide Technology Risk Committee.", "link": "https://www.sec.gov/Archives/edgar/data/886982/000088698226000091/gs-20251231.htm#:~:text=%E2%80%A2Firmwide%20Technology%20Risk%20Committee.%20The%20Firmwide%20Technology%20Risk,to%20the%20Firmwide%20Technology%20Risk%20Committee." } }, { "slug": "great-southern-bancorp-inc", "name": "Great Southern Bancorp, Inc.", "state": "MO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "great-southern-bancorp-inc", "name": "Great Southern Bancorp, Inc.", "state": "MO", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "great-southern-bancorp-inc", "name": "Great Southern Bancorp, Inc.", "state": "MO", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.", "link": "https://www.sec.gov/Archives/edgar/data/854560/000141057825000294/gsbc-20241231x10k.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny." } }, { "slug": "great-southern-bancorp-inc", "name": "Great Southern Bancorp, Inc.", "state": "MO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.", "link": "https://www.sec.gov/Archives/edgar/data/854560/000110465926024659/gsbc-20251231x10k.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,detection%2C%20transaction%20monitoring%2C%20and%20customer%20support." } }, { "slug": "guaranty-bancshares-inc-tx", "name": "Guaranty Bancshares Inc", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "guaranty-bancshares-inc-tx", "name": "Guaranty Bancshares Inc", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "guaranty-bancshares-inc-tx", "name": "Guaranty Bancshares Inc", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence presents risks and challenges that may adversely impact the Company’s business", "link": "https://www.sec.gov/Archives/edgar/data/1058867/000095017025039120/gnty-20241231.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20presents,may%20adversely%20impact%20the%20Company%E2%80%99s%20business" } }, { "slug": "hancock-whitney-corp", "name": "Hancock Whitney Corp", "state": "MS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hancock-whitney-corp", "name": "Hancock Whitney Corp", "state": "MS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hancock-whitney-corp", "name": "Hancock Whitney Corp", "state": "MS", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to the Company’s business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the U.S. and internationally", "link": "https://www.sec.gov/Archives/edgar/data/750577/000095017025028009/hwc-20241231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%2Dparty%29%20vendors%2C,to%20that%20extent%2C%20would%20be%20dependent" } }, { "slug": "hancock-whitney-corp", "name": "Hancock Whitney Corp", "state": "MS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We are in the early stages of incorporating AI into our business activities to increase employee productivity. We have not yet deployed AI-driven systems in critical decision-making or client-facing processes.", "link": "https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm#:~:text=We%20are%20in%20the%20early%20stages%20of%20incorporating,order%20requires%20relevant%20persons%20and%20bodies" } }, { "slug": "hanmi-financial-corp", "name": "Hanmi Financial Corp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hanmi-financial-corp", "name": "Hanmi Financial Corp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hanmi-financial-corp", "name": "Hanmi Financial Corp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hanmi-financial-corp", "name": "Hanmi Financial Corp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We utilize certain AI/ML models provided by third-party vendors, including models used for credit scoring and fraud detection, and may use other AI/ML models in the future.", "link": "https://www.sec.gov/Archives/edgar/data/1109242/000119312526082425/hafc-20251231.htm#:~:text=Operational%20and%20model%20risk.%20AI%2FML%20models%20may%20rely,other%20AI%2FML%20models%20in%20the%20future." } }, { "slug": "hawthorn-bancshares-inc", "name": "Hawthorn Bancshares, Inc.", "state": "MO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hawthorn-bancshares-inc", "name": "Hawthorn Bancshares, Inc.", "state": "MO", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hawthorn-bancshares-inc", "name": "Hawthorn Bancshares, Inc.", "state": "MO", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hawthorn-bancshares-inc", "name": "Hawthorn Bancshares, Inc.", "state": "MO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents risks and challenges to the Company’s business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the U.S. and internationally", "link": "https://www.sec.gov/Archives/edgar/data/893847/000089384726000037/hwbk-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%20party%29,the%20effectiveness%20of%20its%20security%20measures." } }, { "slug": "hbt-financial-inc", "name": "HBT Financial, Inc.", "state": "IL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hbt-financial-inc", "name": "HBT Financial, Inc.", "state": "IL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including as a result of increasingly sophisticated methods of conducting cyber-attacks, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/775215/000162828024009388/hbt-20231231.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate." } }, { "slug": "hbt-financial-inc", "name": "HBT Financial, Inc.", "state": "IL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "including as a result of increasingly sophisticated methods of conducting cyber-attacks, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/775215/000162828025011264/hbt-20241231.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate." } }, { "slug": "hbt-financial-inc", "name": "HBT Financial, Inc.", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "including as a result of increasingly sophisticated methods of conducting cyber-attacks, including those employing artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/775215/000077521526000025/hbt-20251231.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate." } }, { "slug": "heartland-financial-usa-inc", "name": "Heartland Financial Usa Inc", "state": "CO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "heartland-financial-usa-inc", "name": "Heartland Financial Usa Inc", "state": "CO", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The Executive Order also requires certain federal agencies, including the CFPB, to address potential discrimination in the housing and consumer financial markets relating to the use by financial institutions of AI technologies.", "link": "https://www.sec.gov/Archives/edgar/data/920112/000092011224000026/htlf-20231231.htm#:~:text=On%20October%2030%2C%202023%2C%20the%20President%20issued%20an,financial%20products%20and%20services.%20The%20report" } }, { "slug": "heritage-commerce-corp", "name": "Heritage Commerce Corp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "heritage-commerce-corp", "name": "Heritage Commerce Corp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Criminals are using increasingly sophisticated methods to engage in illegal activities, including through the use of deposit account products and customer information and may also see their effectiveness enhanced by the use of artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1053352/000155837024002846/htbk-20231231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20subject%20to%20rapid,financial%20position%20and%20results%20of%20operation." } }, { "slug": "heritage-commerce-corp", "name": "Heritage Commerce Corp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We expect that the development of AI-based technology will cause a rapid expansion in both the number and the sophistication of these threats.", "link": "https://www.sec.gov/Archives/edgar/data/1053352/000155837025002516/htbk-20241231x10k.htm#:~:text=Notwithstanding%20these%20efforts%2C%20cybersecurity%20measures%20are%2C%20by%20their,of%20unauthorized%20access%20to%20client%20accounts." } }, { "slug": "heritage-commerce-corp", "name": "Heritage Commerce Corp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We expect that the development of AI-based technology will cause a rapid expansion in both the number and the sophistication of these threats.", "link": "https://www.sec.gov/Archives/edgar/data/1053352/000162828026016050/htbk-20251231.htm#:~:text=Notwithstanding%20these%20efforts%2C%20cybersecurity%20measures%20are%2C%20by%20their,of%20unauthorized%20access%20to%20client%20accounts." } }, { "slug": "hills-bancorporation", "name": "Hills Bancorporation", "state": "IA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hills-bancorporation", "name": "Hills Bancorporation", "state": "IA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hills-bancorporation", "name": "Hills Bancorporation", "state": "IA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Potential impact of artificial intelligence and quantum computing on our operations and competitiveness.", "link": "https://www.sec.gov/Archives/edgar/data/732417/000073241725000015/hbia-20241231.htm#:~:text=Potential%20impact%20of%20artificial%20intelligence%20and%20quantum%20computing%20on%20our%20operations%20and%20competitiveness." } }, { "slug": "hills-bancorporation", "name": "Hills Bancorporation", "state": "IA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Potential impact of artificial intelligence and quantum computing on our operations and competitiveness.", "link": "https://www.sec.gov/Archives/edgar/data/732417/000073241726000022/hbia-20251231.htm#:~:text=Potential%20impact%20of%20artificial%20intelligence%20and%20quantum%20computing%20on%20our%20operations%20and%20competitiveness." } }, { "slug": "home-bancshares-inc", "name": "Home Bancshares Inc", "state": "AR", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "home-bancshares-inc", "name": "Home Bancshares Inc", "state": "AR", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "New and evolving AI use, including generative AI, may make us susceptible to uncertain risks and may require additional investment to develop responsible use frameworks.", "link": "https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm#:~:text=The%20financial%20services%20industry%20continues%20to%20undergo%20rapid,results%20of%20operations%20and%20future%20prospects." } }, { "slug": "home-bancshares-inc", "name": "Home Bancshares Inc", "state": "AR", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "New and evolving AI use, including generative AI, may make us susceptible to uncertain risks and may require additional investment to develop responsible use frameworks.", "link": "https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm#:~:text=The%20financial%20services%20industry%20continues%20to%20undergo%20rapid,results%20of%20operations%20and%20future%20prospects." } }, { "slug": "home-bancshares-inc", "name": "Home Bancshares Inc", "state": "AR", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "New and evolving AI use, including generative AI, may make us susceptible to uncertain risks and may require additional investment to develop responsible use frameworks.", "link": "https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm#:~:text=The%20financial%20services%20industry%20continues%20to%20undergo%20rapid,results%20of%20operations%20and%20future%20prospects." } }, { "slug": "hope-bancorp-inc", "name": "Hope Bancorp Inc", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hope-bancorp-inc", "name": "Hope Bancorp Inc", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hope-bancorp-inc", "name": "Hope Bancorp Inc", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence (“AI”) presents risks and challenges that may adversely impact the Company’s business.", "link": "https://www.sec.gov/Archives/edgar/data/1128361/000112836125000010/hope-20241231.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29,the%20effectiveness%20of%20its%20security%20measures." } }, { "slug": "hope-bancorp-inc", "name": "Hope Bancorp Inc", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence (“AI”) presents risks and challenges that may adversely impact the Company’s business.", "link": "https://www.sec.gov/Archives/edgar/data/1128361/000112836126000011/hope-20251231.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29,the%20effectiveness%20of%20its%20security%20measures." } }, { "slug": "horizon-bancorp-inc-in", "name": "Horizon Bancorp Inc", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "horizon-bancorp-inc-in", "name": "Horizon Bancorp Inc", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "horizon-bancorp-inc-in", "name": "Horizon Bancorp Inc", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or generate data or other materials or content (collectively, “AI”), is limited for internal currently, and we expect to", "link": "https://www.sec.gov/Archives/edgar/data/706129/000070612925000036/hbnc-20241231.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,on%20our%20business%20and%20financial%20results." } }, { "slug": "horizon-bancorp-inc-in", "name": "Horizon Bancorp Inc", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Our adoption of artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or generate data or other materials or content (collectively, “AI”), is limited for internal currently, and we expect to", "link": "https://www.sec.gov/Archives/edgar/data/706129/000070612926000024/hbnc-20251231.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,on%20our%20business%20and%20financial%20results." } }, { "slug": "hsbc-usa-inc-md", "name": "HSBC Usa Inc", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance" ], "quote": { "quote": "We support leaders and model developers with training that helps them understand and apply our principles on the ethical use of big data and artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/83246/000008324623000004/hsbcusa-20221231.htm#:~:text=Our%20cyber%20hub%20brings%20together%20training%2C%20insights%2C%20events,of%20big%20data%20and%20artificial%20intelligence." } }, { "slug": "hsbc-usa-inc-md", "name": "HSBC Usa Inc", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We support leaders and model developers with training that helps them understand and apply our principles on the ethical use of big data and artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/83246/000008324624000004/hsbcusa-20231231.htm#:~:text=Our%20cyber%20hub%20brings%20together%20training%2C%20insights%2C%20events%2C,of%20big%20data%20and%20artificial%20intelligence." } }, { "slug": "hsbc-usa-inc-md", "name": "HSBC Usa Inc", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We support leaders and model developers with training that helps them understand and apply our principles on the ethical use of big data and artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/83246/000008324625000007/hsbcusa-20241231.htm#:~:text=Our%20cyber%20hub%20brings%20together%20training%2C%20insights%2C%20events%2C,of%20big%20data%20and%20artificial%20intelligence." } }, { "slug": "hsbc-usa-inc-md", "name": "HSBC Usa Inc", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "We support leaders and model developers with training that helps them understand and apply our principles on the ethical use of big data and artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/83246/000008324626000005/hsbcusa-20251231.htm#:~:text=Our%20cyber%20hub%20brings%20together%20training%2C%20insights%2C%20events%2C,of%20big%20data%20and%20artificial%20intelligence." } }, { "slug": "huntington-bancshares-inc-md", "name": "Huntington Bancshares Inc", "state": "OH", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "huntington-bancshares-inc-md", "name": "Huntington Bancshares Inc", "state": "OH", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "huntington-bancshares-inc-md", "name": "Huntington Bancshares Inc", "state": "OH", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We use AI in connection with our business and operations, which exposes us to inherent risks that may expose us to material harm.", "link": "https://www.sec.gov/Archives/edgar/data/49196/000004919625000020/hban-20241231.htm#:~:text=We%20use%20AI%20in%20connection%20with%20our%20business,may%20expose%20us%20to%20material%20harm." } }, { "slug": "huntington-bancshares-inc-md", "name": "Huntington Bancshares Inc", "state": "OH", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "We use AI in connection with our business and operations, which exposes us to inherent risks that may expose us to material harm.", "link": "https://www.sec.gov/Archives/edgar/data/49196/000004919626000015/hban-20251231.htm#:~:text=%E2%80%A2We%20use%20AI%20in%20connection%20with%20our%20business,may%20expose%20us%20to%20material%20harm." } }, { "slug": "hv-bancorp-inc", "name": "HV Bancorp, Inc.", "state": "PA", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hanover-bancorp-inc-md", "name": "Hanover Bancorp, Inc.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "financial institutions are investing significantly in new technologies, such as artificial intelligence, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards", "link": "https://www.sec.gov/Archives/edgar/data/1828588/000155837023019964/hnvr-20230930x10k.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,or%20may%20not%20develop%20at%20all." } }, { "slug": "hanover-bancorp-inc-md", "name": "Hanover Bancorp, Inc.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "financial institutions are investing significantly in new technologies, such as artificial intelligence, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards", "link": "https://www.sec.gov/Archives/edgar/data/1828588/000155837025003018/hnvr-20241231x10k.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,or%20may%20not%20develop%20at%20all." } }, { "slug": "hanover-bancorp-inc-md", "name": "Hanover Bancorp, Inc.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "financial institutions are investing significantly in new technologies, such as artificial intelligence, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards", "link": "https://www.sec.gov/Archives/edgar/data/1828588/000110465926027651/hnvr-20251231x10k.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,or%20may%20not%20develop%20at%20all." } }, { "slug": "harborone-bancorp-inc", "name": "HarborOne Bancorp, Inc.", "state": "MA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "harborone-bancorp-inc", "name": "HarborOne Bancorp, Inc.", "state": "MA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1769617/000155837024002743/hone-20231231x10k.htm#:~:text=The%20introduction%20of%20new%20products%20and%20services%20can,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "harborone-bancorp-inc", "name": "HarborOne Bancorp, Inc.", "state": "MA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1769617/000155837025002324/hone-20241231x10k.htm#:~:text=initiatives%20can%20be%20brought%20to%20market%20in%20a,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "hilltop-holdings-inc", "name": "Hilltop Holdings Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hilltop-holdings-inc", "name": "Hilltop Holdings Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "hilltop-holdings-inc", "name": "Hilltop Holdings Inc.", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "competition among providers of financial products and services continues to increase as technological advances, including artificial intelligence and automation, have lowered the barriers to entry for financial technology companies", "link": "https://www.sec.gov/Archives/edgar/data/1265131/000155837025001023/hth-20241231x10k.htm#:~:text=Overall%2C%20competition%20among%20providers%20of%20financial%20products%20and,greater%20flexibility%20and%20lower%20cost%20structures." } }, { "slug": "hilltop-holdings-inc", "name": "Hilltop Holdings Inc.", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "competition among providers of financial products and services continues to increase as technological advances, including artificial intelligence and automation, have lowered the barriers to entry for financial technology companies", "link": "https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm#:~:text=Overall%2C%20competition%20among%20providers%20of%20financial%20products%20and,greater%20flexibility%20and%20lower%20cost%20structures." } }, { "slug": "independent-bank-corp", "name": "Independent Bank Corp", "state": "MA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "independent-bank-corp", "name": "Independent Bank Corp", "state": "MA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Information security risks have increased because of the proliferation of new technologies, including artificial intelligence, and the increased number as well as sophistication and level of activity of perpetrators of cyber-attacks", "link": "https://www.sec.gov/Archives/edgar/data/776901/000077690124000069/indb-20231231.htm#:~:text=Information%20security%20risks%20have%20increased%20because%20of%20the,not%20suffer%20losses%20in%20the%20future." } }, { "slug": "independent-bank-corp", "name": "Independent Bank Corp", "state": "MA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Financial services industries continually experience rapid technological change with frequent introductions of new technology-driven products and services, such as artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies", "link": "https://www.sec.gov/Archives/edgar/data/776901/000077690125000093/indb-20241231.htm#:~:text=The%20Company%20continually%20encounters%20technological%20change.%20The%20failure,in%20the%20Company%E2%80%99s%20products%20and%20services." } }, { "slug": "independent-bank-corp", "name": "Independent Bank Corp", "state": "MA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The financial services industries continually experience rapid technological change with frequent introductions of new technology-driven products and services, such as AI, including generative AI, machine learning, and similar tools and technologies", "link": "https://www.sec.gov/Archives/edgar/data/776901/000077690126000058/indb-20251231.htm#:~:text=The%20pace%20of%20technology%20continues%20to%20evolve%20at,in%20the%20Company%E2%80%99s%20products%20and%20services." } }, { "slug": "independent-bank-corp-mi", "name": "Independent Bank Corp", "state": "MI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "independent-bank-corp-mi", "name": "Independent Bank Corp", "state": "MI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "independent-bank-corp-mi", "name": "Independent Bank Corp", "state": "MI", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "independent-bank-corp-mi", "name": "Independent Bank Corp", "state": "MI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We use artificial intelligence (\"AI\") and machine learning technologies in certain aspects of our operations. While these technologies can provide significant benefits, they also present risks that could adversely affect our business.", "link": "https://www.sec.gov/Archives/edgar/data/39311/000003931126000009/ibcp-20251231_d2.htm#:~:text=We%20use%20artificial%20intelligence%20%28%22AI%22%29%20and%20machine%20learning,compliance%20costs%2C%20or%20face%20enforcement%20actions." } }, { "slug": "international-bancshares-corp", "name": "International Bancshares Corp", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "greater oversight of property appraisals, including related algorithms and machine learning tools that can be used in the appraisal process.", "link": "https://www.sec.gov/Archives/edgar/data/315709/000155837023001892/iboc-20221231x10k.htm#:~:text=The%20CFPB%20and%20other%20federal%20regulators%2C%20including%20the,be%20used%20in%20the%20appraisal%20process." } }, { "slug": "international-bancshares-corp", "name": "International Bancshares Corp", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "greater oversight of property appraisals, including related algorithms and machine learning tools that can be used in the appraisal process.", "link": "https://www.sec.gov/Archives/edgar/data/315709/000155837024001698/iboc-20231231x10k.htm#:~:text=mortgage%20lending%2C%20including%20revisions%20to%20the%20CRA%20and,be%20used%20in%20the%20appraisal%20process." } }, { "slug": "international-bancshares-corp", "name": "International Bancshares Corp", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "greater oversight of property appraisals, and related algorithms and machine learning tools that can be used in the appraisal process.", "link": "https://www.sec.gov/Archives/edgar/data/315709/000155837025001782/iboc-20241231x10k.htm#:~:text=The%20CFPB%20and%20other%20federal%20regulators%20continue%20to,be%20used%20in%20the%20appraisal%20process." } }, { "slug": "international-bancshares-corp", "name": "International Bancshares Corp", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Artificial Intelligence Ethics & Governance Policy, which integrates AI-specific security requirements into our ISSP and incident response processes.", "link": "https://www.sec.gov/Archives/edgar/data/315709/000110465926020439/iboc-20251231x10k.htm#:~:text=%E2%97%8F%20Artificial%20Intelligence%20Ethics%20%26%20Governance%20Policy%2C%20which,our%20ISSP%20and%20incident%20response%20processes." } }, { "slug": "isabella-bank-corp", "name": "Isabella Bank Corp", "state": "MI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "isabella-bank-corp", "name": "Isabella Bank Corp", "state": "MI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "isabella-bank-corp", "name": "Isabella Bank Corp", "state": "MI", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "isabella-bank-corp", "name": "Isabella Bank Corp", "state": "MI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Emerging technologies, such as artificial intelligence, may further increase the risk of a cyber-attack.", "link": "https://www.sec.gov/Archives/edgar/data/842517/000084251726000069/isba-20251231.htm#:~:text=The%20introduction%20of%20new%20products%20and%20services%20can,effect%20on%20our%20business%20and%20reputation." } }, { "slug": "independent-bank-group-inc", "name": "Independent Bank Group, Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "independent-bank-group-inc", "name": "Independent Bank Group, Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "advances in computer capabilities, such as artificial intelligence, and the increased sophistication of threat actors could result in a compromise or breach of the systems the Company and the Company’s third-party service providers use to encrypt and protect customer data and transactions.", "link": "https://www.sec.gov/Archives/edgar/data/1564618/000156461824000025/ibtx-20231231.htm#:~:text=External%20or%20internal%20actors%20could%20obtain%20unauthorized%20access,management%20and%20governance%20related%20to%20cybersecurity.." } }, { "slug": "investar-holding-corp", "name": "Investar Holding Corp", "state": "LA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "investar-holding-corp", "name": "Investar Holding Corp", "state": "LA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our ability to compete successfully to some extent depends on whether we can implement new technologies to provide products and services to our customers more efficiently while avoiding significant operational challenges that increase our costs or delay full implementation, especially relative to", "link": "https://www.sec.gov/Archives/edgar/data/1602658/000143774924006962/istr20231231_10k.htm#:~:text=Our%20industry%20is%20undergoing%20rapid%20technological%20changes%20with,resources%20to%20devote%20to%20technological%20improvements." } }, { "slug": "investar-holding-corp", "name": "Investar Holding Corp", "state": "LA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Our failure to effectively implement new technologies including artificial intelligence could adversely affect our operations and financial condition.", "link": "https://www.sec.gov/Archives/edgar/data/1602658/000143774925007226/istr20241231_10k.htm#:~:text=Our%20failure%20to%20effectively%20implement%20new%20technologies%20including,affect%20our%20operations%20and%20financial%20condition." } }, { "slug": "investar-holding-corp", "name": "Investar Holding Corp", "state": "LA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Our failure to effectively implement new technologies including artificial intelligence could adversely affect our operations and financial condition.", "link": "https://www.sec.gov/Archives/edgar/data/1602658/000143774926008446/istr20251231_10k.htm#:~:text=Our%20failure%20to%20effectively%20implement%20new%20technologies%20including,affect%20our%20operations%20and%20financial%20condition." } }, { "slug": "jpmorgan-chase-and-co", "name": "JPMorgan Chase & Co.", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "jpmorgan-chase-and-co", "name": "JPMorgan Chase & Co.", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The models and estimations that JPMorgan Chase uses, including those that use machine learning, artificial intelligence or quantum computing, may not be effective in all cases to identify, observe and mitigate risk", "link": "https://www.sec.gov/Archives/edgar/data/19617/000001961724000225/jpm-20231231.htm#:~:text=These%20models%20and%20estimations%20are%20based%20on%20a,a%20variety%20of%20factors%2C%20such%20as%3A" } }, { "slug": "jpmorgan-chase-and-co", "name": "JPMorgan Chase & Co.", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "the EU Artificial Intelligence Act regulates the development and deployment of artificial intelligence systems within the EU, with phased-in requirements that began in February 2025.", "link": "https://www.sec.gov/Archives/edgar/data/19617/000001961725000270/jpm-20241231.htm#:~:text=For%20example%2C%20the%20Digital%20Operational%20Resilience%20Act%20%28DORA%29,requirements%20that%20began%20in%20February%202025." } }, { "slug": "jpmorgan-chase-and-co", "name": "JPMorgan Chase & Co.", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "The rapid development and deployment of advanced technologies, including generative and agentic AI systems, present a range of risks to JPMorganChase’s businesses and operations", "link": "https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm#:~:text=The%20rapid%20development%20and%20deployment%20of%20advanced%20technologies%2C,to%20JPMorganChase%E2%80%99s%20businesses%20and%20operations%2C%20including%3A" } }, { "slug": "juniata-valley-financial-corp", "name": "Juniata Valley Financial Corp", "state": "PA", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "juniata-valley-financial-corp", "name": "Juniata Valley Financial Corp", "state": "PA", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "juniata-valley-financial-corp", "name": "Juniata Valley Financial Corp", "state": "PA", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "juniata-valley-financial-corp", "name": "Juniata Valley Financial Corp", "state": "PA", "year": 2025, "size_group": "Under $1B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Although the Company does not currently make significant use of artificial intelligence (“AI”), machine learning, or similar advanced data analytics technologies in its operations, the financial services industry is increasingly incorporating AI-enabled tools in areas such as credit underwriting,", "link": "https://www.sec.gov/Archives/edgar/data/714712/000110465926034395/juvf-20251231x10k.htm#:~:text=Although%20the%20Company%20does%20not%20currently%20make%20significant,developed%20systems%20or%20third%2Dparty%20service%20providers." } }, { "slug": "john-marshall-bancorp-inc", "name": "John Marshall Bancorp, Inc.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "john-marshall-bancorp-inc", "name": "John Marshall Bancorp, Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "john-marshall-bancorp-inc", "name": "John Marshall Bancorp, Inc.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to the Company’s business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1710482/000155837025003982/jmsb-20241231x10k.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20vendors%2C%20clients%2C%20or,the%20effectiveness%20of%20its%20security%20measures." } }, { "slug": "john-marshall-bancorp-inc", "name": "John Marshall Bancorp, Inc.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to the Company’s business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1710482/000110465926027378/jmsb-20251231x10k.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20vendors%2C%20clients%2C%20or,taken%20to%20limit%20the%20risks%20associated" } }, { "slug": "keycorp-new", "name": "KeyCorp", "state": "OH", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the increasing use of third-party financial data aggregators and emerging technologies, including the use of automation, artificial intelligence and robotics, introduces new information security risks and exposure.", "link": "https://www.sec.gov/Archives/edgar/data/91576/000009157623000026/key-20221231.htm#:~:text=We%20also%20face%20risks%20related%20to%20the%20increasing,new%20information%20security%20risks%20and%20exposure." } }, { "slug": "keycorp-new", "name": "KeyCorp", "state": "OH", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "artificial intelligence and robotics, introduces new information security risks and exposure for us and for our third party service providers; such technologies could also result in increasingly sophisticated cyberattacks.", "link": "https://www.sec.gov/Archives/edgar/data/91576/000009157624000040/key-20231231.htm#:~:text=artificial%20intelligence%20and%20robotics%2C%20introduces%20new%20information%20security,also%20result%20in%20increasingly%20sophisticated%20cyberattacks." } }, { "slug": "keycorp-new", "name": "KeyCorp", "state": "OH", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Some models we use employ methodologies based on artificial intelligence (AI) or machine learning (ML). These models bring some unique complexities from those of traditional models, such as the need for large datasets for training, the potential for algorithmic bias, and the difficulty in", "link": "https://www.sec.gov/Archives/edgar/data/91576/000009157625000038/key-20241231.htm#:~:text=Some%20models%20we%20use%20employ%20methodologies%20based%20on,the%20difficulty%20in%20interpreting%20model%20decisions." } }, { "slug": "keycorp-new", "name": "KeyCorp", "state": "OH", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Some models we use employ methodologies based on artificial intelligence or machine learning. Compared to traditional models, these models may involve some additional complexities, such as the need for large datasets for training, the potential for algorithmic bias, and difficulty in interpreting", "link": "https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm#:~:text=Some%20models%20we%20use%20employ%20methodologies%20based%20on,and%20difficulty%20in%20interpreting%20model%20outputs." } }, { "slug": "lakeland-bancorp-inc", "name": "Lakeland Bancorp Inc", "state": "NJ", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lakeland-bancorp-inc", "name": "Lakeland Bancorp Inc", "state": "NJ", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lakeland-financial-corp", "name": "Lakeland Financial Corp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lakeland-financial-corp", "name": "Lakeland Financial Corp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lakeland-financial-corp", "name": "Lakeland Financial Corp", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Many of our larger competitors have substantially greater resources to invest in technological improvements, such as artificial intelligence. As a result, they may be able to offer additional or superior products to those that we will be able to offer, which would put us at a competitive", "link": "https://www.sec.gov/Archives/edgar/data/721994/000072199425000087/lkfn-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20rapid,products%20and%20services%20to%20our%20customers." } }, { "slug": "lakeland-financial-corp", "name": "Lakeland Financial Corp", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Data processing fees and supplies expense increased $1.4 million, or 9.1%, from continued investment in customer-facing and operational technology solutions, including artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/721994/000072199426000018/lkfn-20251231.htm#:~:text=Noninterest%20expense%20increased%20by%20%246.5%20million%2C%20or%205.2%25%2C,December%2031%2C%202025%20and%202024%2C%20respectively." } }, { "slug": "landmark-bancorp-inc", "name": "Landmark Bancorp Inc", "state": "KS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "landmark-bancorp-inc", "name": "Landmark Bancorp Inc", "state": "KS", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Artificial intelligence algorithms may be flawed, for example datasets may contain biased information or otherwise be insufficient, and inappropriate or controversial data practices could impair the acceptance of artificial intelligence solutions", "link": "https://www.sec.gov/Archives/edgar/data/1141688/000149315224011513/form10-k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,by%20the%20Company%E2%80%99s%20third%20party%20partners." } }, { "slug": "landmark-bancorp-inc", "name": "Landmark Bancorp Inc", "state": "KS", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Artificial intelligence algorithms may be flawed, for example datasets may contain biased information or otherwise be insufficient, and inappropriate or controversial data practices could impair the acceptance of artificial intelligence solutions and result in burdensome new regulations.", "link": "https://www.sec.gov/Archives/edgar/data/1141688/000164117225000643/form10-k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,by%20the%20Company%E2%80%99s%20third%20party%20partners." } }, { "slug": "landmark-bancorp-inc", "name": "Landmark Bancorp Inc", "state": "KS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Artificial intelligence algorithms may be flawed, for example datasets may contain biased information or otherwise be insufficient, and inappropriate or controversial data practices could impair the acceptance of artificial intelligence solutions and result in burdensome new regulations.", "link": "https://www.sec.gov/Archives/edgar/data/1141688/000149315226016495/form10-k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,developed%20by%20the%20Company%E2%80%99s%20third%2Dparty%20partners." } }, { "slug": "lcnb-corp", "name": "LCNB Corp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lcnb-corp", "name": "LCNB Corp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lcnb-corp", "name": "LCNB Corp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "lcnb-corp", "name": "LCNB Corp", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "LCNB has implemented technologies that utilize artificial intelligence in connection with LCNB’s business and operations in order to scale its business, but the outcome of implementation may not realize all the benefits LCNB is hoping to scale.", "link": "https://www.sec.gov/Archives/edgar/data/1074902/000143774926007758/lcnb20251231_10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,affect%20LCNB%E2%80%99s%20growth%2C%20revenue%20and%20profit." } }, { "slug": "limestone-bancorp-inc", "name": "Limestone Bancorp, Inc.", "state": "KY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "linkbancorp-inc", "name": "LINKBANCORP, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "linkbancorp-inc", "name": "LINKBANCORP, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "linkbancorp-inc", "name": "LINKBANCORP, Inc.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "linkbancorp-inc", "name": "LINKBANCORP, Inc.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": true, "flags": [], "quote": null }, { "slug": "live-oak-bancshares-inc", "name": "Live Oak Bancshares, Inc.", "state": "NC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "live-oak-bancshares-inc", "name": "Live Oak Bancshares, Inc.", "state": "NC", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1462120/000146212024000014/lob-20231231.htm#:~:text=Our%20competitors%20may%20have%20greater%20resources%20to%20invest,our%20failure%20to%20use%20them%20effectively." } }, { "slug": "live-oak-bancshares-inc", "name": "Live Oak Bancshares, Inc.", "state": "NC", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1462120/000146212025000105/lob-20241231.htm#:~:text=Our%20competitors%20may%20have%20greater%20resources%20to%20invest,our%20failure%20to%20use%20them%20effectively." } }, { "slug": "live-oak-bancshares-inc", "name": "Live Oak Bancshares, Inc.", "state": "NC", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We continually evaluate and selectively deploy emerging technologies like artificial intelligence (“AI”), sometimes referred to as AI, and machine learning for incorporation in our business.", "link": "https://www.sec.gov/Archives/edgar/data/1462120/000146212026000020/lob-20251231.htm#:~:text=We%20continually%20evaluate%20and%20selectively%20deploy%20emerging%20technologies,generative%20models%20to%20create%20novel%20content." } }, { "slug": "luther-burbank-corp", "name": "Luther Burbank Corp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "m-and-t-bank-corp", "name": "M&T Bank Corp", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "m-and-t-bank-corp", "name": "M&T Bank Corp", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "m-and-t-bank-corp", "name": "M&T Bank Corp", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI, including by third parties, presents risks and challenges that may adversely impact M&T.", "link": "https://www.sec.gov/Archives/edgar/data/36270/000162828025006267/mtb-20241231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20AI%2C%20including%20by,challenges%20that%20may%20adversely%20impact%20M%26T." } }, { "slug": "m-and-t-bank-corp", "name": "M&T Bank Corp", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI, including by third parties, presents risks and challenges that may adversely impact M&T.", "link": "https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20AI%2C%20including%20by,challenges%20that%20may%20adversely%20impact%20M%26T." } }, { "slug": "macatawa-bank-corp", "name": "Macatawa Bank Corp", "state": "MI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "macatawa-bank-corp", "name": "Macatawa Bank Corp", "state": "MI", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mercantile-bank-corp", "name": "Mercantile Bank Corp", "state": "MI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mercantile-bank-corp", "name": "Mercantile Bank Corp", "state": "MI", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1042729/000143774924006268/mbwm20231231_10k.htm#:~:text=The%20banking%20industry%20is%20undergoing%20technological%20changes%20with,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "mercantile-bank-corp", "name": "Mercantile Bank Corp", "state": "MI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1042729/000143774925005844/mbwm20241231_10k.htm#:~:text=The%20banking%20industry%20is%20undergoing%20technological%20changes%20with,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "mercantile-bank-corp", "name": "Mercantile Bank Corp", "state": "MI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1042729/000143774926005997/mbwm20251231_10k.htm#:~:text=The%20banking%20industry%20is%20undergoing%20technological%20changes%20with,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "mid-penn-bancorp-inc", "name": "Mid Penn Bancorp Inc", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mid-penn-bancorp-inc", "name": "Mid Penn Bancorp Inc", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mid-penn-bancorp-inc", "name": "Mid Penn Bancorp Inc", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mid-penn-bancorp-inc", "name": "Mid Penn Bancorp Inc", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "middlefield-banc-corp", "name": "Middlefield Banc Corp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "middlefield-banc-corp", "name": "Middlefield Banc Corp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "middlefield-banc-corp", "name": "Middlefield Banc Corp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "emerging technologies, including the use of automation, artificial intelligence and robotics, introduces new information security risks and exposure for us and for our third-party service providers, and, additionally, such technologies may be used to identify vulnerabilities; such technologies have", "link": "https://www.sec.gov/Archives/edgar/data/836147/000143774925007527/mbcn20241231_10k.htm#:~:text=We%20face%20indirect%20technology%2C%20cybersecurity%2C%20and%20operational%20risks,to%20risk%2C%20or%20expand%20our%20business." } }, { "slug": "morgan-stanley", "name": "Morgan Stanley", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "morgan-stanley", "name": "Morgan Stanley", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "such parties may see their effectiveness enhanced by the use of artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/895421/000089542124000300/ms-20231231.htm#:~:text=Cybersecurity%20risks%20for%20financial%20institutions%20have%20significantly%20increased,geopolitical%20instability%20have%20also%20led%20to" } }, { "slug": "morgan-stanley", "name": "Morgan Stanley", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the introduction and application of new technologies, such as artificial intelligence, and the markets in which we operate evolve, our risk management strategies, models and processes may not always adapt with those changes", "link": "https://www.sec.gov/Archives/edgar/data/895421/000089542125000304/ms-20241231.htm#:~:text=As%20our%20businesses%20change%20and%20grow%2C%20including%20through,greater%20than%20the%20historical%20measures%20indicate." } }, { "slug": "morgan-stanley", "name": "Morgan Stanley", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We continually review our Cybersecurity Program, and make adjustments where appropriate, to address the evolving cybersecurity threat landscape, including threats arising from new technologies, such as generative artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/895421/000089542126000086/ms-20251231.htm#:~:text=As%20part%20of%20the%20ERM%20framework%2C%20we%20have,with%20extensive%20legal%20and%20regulatory%20expectations." } }, { "slug": "muncy-columbia-financial-corp", "name": "MUNCY COLUMBIA FINANCIAL Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "muncy-columbia-financial-corp", "name": "MUNCY COLUMBIA FINANCIAL Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "muncy-columbia-financial-corp", "name": "MUNCY COLUMBIA FINANCIAL Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "The Corporation has adopted an AI and Automated Tool Usage Policy to establish guidelines for the responsible, secure, and compliant use of AI systems, automated bots, Application Programming Interfaces (“APIs”), and machine learning technologies within the organization.", "link": "https://www.sec.gov/Archives/edgar/data/731122/000117494726000299/ccfn-20251231.htm#:~:text=Unapproved%20or%20insecure%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29%20tools%20may,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "mvb-financial-corp", "name": "MVB Financial Corp", "state": "WV", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mvb-financial-corp", "name": "MVB Financial Corp", "state": "WV", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "These new products and services may include applications or financial-related services that implement artificial intelligence, machine learning, robotics, blockchain, or new approaches to data mining.", "link": "https://www.sec.gov/Archives/edgar/data/1277902/000127790224000014/mvbf-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "mvb-financial-corp", "name": "MVB Financial Corp", "state": "WV", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "These new products and services may include applications or financial-related services that implement artificial intelligence, machine learning, robotics, blockchain or new approaches to data mining.", "link": "https://www.sec.gov/Archives/edgar/data/1277902/000127790225000043/mvbf-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,and%20services%20to%20our%20customers.%20Additionally%2C" } }, { "slug": "mvb-financial-corp", "name": "MVB Financial Corp", "state": "WV", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "These new products and services may include applications or financial-related services that implement artificial intelligence, machine learning, robotics, blockchain or new approaches to data mining.", "link": "https://www.sec.gov/Archives/edgar/data/1277902/000127790226000030/mvbf-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,cybersecurity%20protection%20systems%2C%20implement%20advanced%20features" } }, { "slug": "mainstreet-bancshares-inc", "name": "MainStreet Bancshares, Inc.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The use of artificial intelligence, “bots” or other automation software can increase the velocity and efficacy of these types of attacks.", "link": "https://www.sec.gov/Archives/edgar/data/1693577/000143774923007608/main20221231_10k.htm#:~:text=Cyber%20and%20information%20security%20risks%20for%20financial%20institutions,a%20greater%20number%20of%20banking%20customers." } }, { "slug": "mainstreet-bancshares-inc", "name": "MainStreet Bancshares, Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "A “deep fake” incident, which involves synthetic media that is created using artificial intelligence to create realistic images, videos, or audio recordings of people that appear to be real but are not.", "link": "https://www.sec.gov/Archives/edgar/data/1693577/000143774924008676/main20231231_10k.htm#:~:text=A%20%E2%80%9Cdeep%20fake%E2%80%9D%20incident%2C%20which%20involves%20synthetic%20media,in%20a%20number%20of%20ways%2C%20including%3A" } }, { "slug": "mainstreet-bancshares-inc", "name": "MainStreet Bancshares, Inc.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "A “deep fake” incident, which involves synthetic media that is created using artificial intelligence to create realistic images, videos, or audio recordings of people that appear to be real but are not.", "link": "https://www.sec.gov/Archives/edgar/data/1693577/000143774925007641/main20241231_10k.htm#:~:text=A%20%E2%80%9Cdeep%20fake%E2%80%9D%20incident%2C%20which%20involves%20synthetic%20media,in%20a%20number%20of%20ways%2C%20including%3A" } }, { "slug": "mainstreet-bancshares-inc", "name": "MainStreet Bancshares, Inc.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have implemented an AI governance function and risk management framework that includes a risk assessment of internal and vendor AI solutions, due diligence, and controls.", "link": "https://www.sec.gov/Archives/edgar/data/1693577/000143774926008073/main20251231_10k.htm#:~:text=Our%20adoption%20and%20use%20of%20artificial%20intelligence%2C%20including,AI%20solutions%2C%20due%20diligence%2C%20and%20controls." } }, { "slug": "mechanics-bancorp", "name": "Mechanics Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mechanics-bancorp", "name": "Mechanics Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "mechanics-bancorp", "name": "Mechanics Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "advances in technology such as artificial intelligence products and services, telephone, text and online banking, e-commerce and self-service automatic teller machines and other equipment, as well as changing customer preferences to access our products and services through digital channels, could", "link": "https://www.sec.gov/Archives/edgar/data/1518715/000151871525000026/hmst-20241231.htm#:~:text=We%20face%20pricing%20competition%20for%20loans%20and%20deposits%2C,capital%20position%20may%20be%20adversely%20affected." } }, { "slug": "mechanics-bancorp", "name": "Mechanics Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We use artificial intelligence on a limited basis. The use of artificial intelligence may result in reputational harm or", "link": "https://www.sec.gov/Archives/edgar/data/1518715/000151871526000026/hmst-20251231.htm#:~:text=We%20use%20artificial%20intelligence%20on%20a%20limited%20basis.,may%20result%20in%20reputational%20harm%20or" } }, { "slug": "merchants-bancorp", "name": "Merchants Bancorp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "merchants-bancorp", "name": "Merchants Bancorp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Adoption of Artificial Intelligence (“AI”) may present significant challenges relating to compliance risk, credit risk, reputation risk, and operational risk.", "link": "https://www.sec.gov/Archives/edgar/data/1629019/000155837024003005/mbin-20231231x10k.htm#:~:text=Adoption%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29%20may%20present%20significant,risk%2C%20reputation%20risk%2C%20and%20operational%20risk." } }, { "slug": "merchants-bancorp", "name": "Merchants Bancorp", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Adoption of AI may present significant challenges relating to compliance risk, credit risk, reputation risk, and operational risk.", "link": "https://www.sec.gov/Archives/edgar/data/1629019/000155837025001941/mbin-20241231x10k.htm#:~:text=Adoption%20of%20AI%20may%20present%20significant%20challenges%20relating,risk%2C%20reputation%20risk%2C%20and%20operational%20risk." } }, { "slug": "merchants-bancorp", "name": "Merchants Bancorp", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Adoption of AI may present significant challenges relating to compliance risk, credit risk, reputation risk, and operational risk.", "link": "https://www.sec.gov/Archives/edgar/data/1629019/000110465926021549/mbin-20251231x10k.htm#:~:text=Adoption%20of%20AI%20may%20present%20significant%20challenges%20relating,risk%2C%20reputation%20risk%2C%20and%20operational%20risk." } }, { "slug": "meridian-corp", "name": "Meridian Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "meridian-corp", "name": "Meridian Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customer’s experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1750735/000175073524000019/mrbk-20231231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business." } }, { "slug": "meridian-corp", "name": "Meridian Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "intelligence (AI) could adversely affect our business, results of operations, and financial condition.", "link": "https://www.sec.gov/Archives/edgar/data/1750735/000175073525000011/mrbk-20241231.htm#:~:text=intelligence%20%28AI%29%20could%20adversely%20affect%20our%20business%2C%20results%20of%20operations%2C%20and%20financial%20condition." } }, { "slug": "meridian-corp", "name": "Meridian Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our business increasingly relies on AI to improve our services and our customer’s experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/1750735/000175073526000009/mrbk-20251231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%20to%20improve,requirements%20may%20have%20on%20our%20business." } }, { "slug": "metrocity-bankshares-inc", "name": "MetroCity Bankshares, Inc.", "state": "GA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "metrocity-bankshares-inc", "name": "MetroCity Bankshares, Inc.", "state": "GA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [], "quote": { "quote": "The financial services industry is continually undergoing rapid technological changes with frequent introductions of new technology-driven products and services (including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies)", "link": "https://www.sec.gov/Archives/edgar/data/1747068/000174706824000010/mcbs-20231231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,grow%20and%20expand%20our%20market%20area." } }, { "slug": "metrocity-bankshares-inc", "name": "MetroCity Bankshares, Inc.", "state": "GA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The developments and use of artificial intelligent (AI) presents risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/1747068/000174706825000007/mcbs-20241231x10k.htm#:~:text=The%20developments%20and%20use%20of%20artificial%20intelligent%20%28AI%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "metrocity-bankshares-inc", "name": "MetroCity Bankshares, Inc.", "state": "GA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "especially in light of the risks being posed by the proliferation of new technologies, including artificial intelligence, the use of the Internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of cybercriminals", "link": "https://www.sec.gov/Archives/edgar/data/1747068/000174706826000010/mcbs-20251231x10k.htm#:~:text=To%20date%2C%20none%20of%20foregoing%20types%20of%20attacks,of%20cybercriminals%20and%20other%20external%20parties.." } }, { "slug": "metropolitan-bank-holding-corp", "name": "Metropolitan Bank Holding Corp.", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "metropolitan-bank-holding-corp", "name": "Metropolitan Bank Holding Corp.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Uncertainty in the development, deployment, use and regulation of artificial intelligence could subject us to additional risks.", "link": "https://www.sec.gov/Archives/edgar/data/1476034/000155837024001997/mcb-20231231x10k.htm#:~:text=Uncertainty%20in%20the%20development%2C%20deployment%2C%20use%20and%20regulation,could%20subject%20us%20to%20additional%20risks." } }, { "slug": "metropolitan-bank-holding-corp", "name": "Metropolitan Bank Holding Corp.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Uncertainty in the development, deployment, use and regulation of artificial intelligence could subject us to additional risks.", "link": "https://www.sec.gov/Archives/edgar/data/1476034/000155837025001884/mcb-20241231x10k.htm#:~:text=Uncertainty%20in%20the%20development%2C%20deployment%2C%20use%20and%20regulation,could%20subject%20us%20to%20additional%20risks." } }, { "slug": "metropolitan-bank-holding-corp", "name": "Metropolitan Bank Holding Corp.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the Company may decide to undertake initiatives that are intended to improve, among other things, the scalability of our information systems, increase the Company’s data mining abilities, improve payment processing capabilities and enhance our customers’ experience, including through the", "link": "https://www.sec.gov/Archives/edgar/data/1476034/000110465926018208/mcb-20251231x10k.htm#:~:text=Due%20to%20the%20Company%E2%80%99s%20dependence%20on%20information%20technology,financial%20condition%2C%20or%20results%20of%20operations." } }, { "slug": "midwestone-financial-group-inc", "name": "MidWestOne Financial Group, Inc.", "state": "IA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "midwestone-financial-group-inc", "name": "MidWestOne Financial Group, Inc.", "state": "IA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The widespread adoption of new technologies, including internet services, artificial intelligence, cryptocurrencies and payment systems, could require us in the future to make substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/1412665/000141266524000039/mofg-20231231.htm#:~:text=The%20widespread%20adoption%20of%20new%20technologies%2C%20including%20internet,competitive%20and%20comply%20with%20regulatory%20guidance." } }, { "slug": "midwestone-financial-group-inc", "name": "MidWestOne Financial Group, Inc.", "state": "IA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The widespread adoption of new technologies, including internet services, artificial intelligence, cryptocurrencies and payment systems, could require us in the future to make substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/1412665/000141266525000043/mofg-20241231.htm#:~:text=The%20widespread%20adoption%20of%20new%20technologies%2C%20including%20internet,competitive%20and%20comply%20with%20regulatory%20guidance." } }, { "slug": "midland-states-bancorp-inc", "name": "Midland States Bancorp, Inc.", "state": "IL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "midland-states-bancorp-inc", "name": "Midland States Bancorp, Inc.", "state": "IL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services, such as those using artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1466026/000146602624000009/msbi-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,such%20challenges%20in%20a%20timely%20manner." } }, { "slug": "midland-states-bancorp-inc", "name": "Midland States Bancorp, Inc.", "state": "IL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "risks relating to the use of artificial intelligence in fraud schemes", "link": "https://www.sec.gov/Archives/edgar/data/1466026/000146602625000021/msbi-20241231.htm#:~:text=We%20maintain%20a%20system%20of%20internal%20controls%20and,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "midland-states-bancorp-inc", "name": "Midland States Bancorp, Inc.", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "This includes development in areas such as generative artificial intelligence, robotic process automation, process improvement, and data-informed decision-making.", "link": "https://www.sec.gov/Archives/edgar/data/1466026/000146602626000020/msbi-20251231.htm#:~:text=We%20are%20focused%20on%20building%20the%20skills%20and,automation%2C%20process%20improvement%2C%20and%20data%2Dinformed%20decision%2Dmaking." } }, { "slug": "national-bankshares-inc", "name": "National Bankshares Inc", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "national-bankshares-inc", "name": "National Bankshares Inc", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "national-bankshares-inc", "name": "National Bankshares Inc", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/796534/000095017025046763/nksh-20241231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%2C%20or%20counterparties,the%20effectiveness%20of%20our%20security%20measures." } }, { "slug": "national-bankshares-inc", "name": "National Bankshares Inc", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving", "link": "https://www.sec.gov/Archives/edgar/data/796534/000119312526128311/nksh-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%2C%20or%20counterparties,harmful.%20In%20addition%2C%20the%20complexity%20of" } }, { "slug": "nbt-bancorp-inc", "name": "NBT Bancorp Inc", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "nbt-bancorp-inc", "name": "NBT Bancorp Inc", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "nbt-bancorp-inc", "name": "NBT Bancorp Inc", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI exposes us to risks that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/790359/000114036125006528/ef20039015_10k.htm#:~:text=The%20development%20and%20use%20of%20AI%20exposes%20us%20to%20risks%20that%20may%20adversely%20impact%20our%20business." } }, { "slug": "nbt-bancorp-inc", "name": "NBT Bancorp Inc", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "The Company’s use of AI currently varies across platforms, with certain third party systems incorporating AI capabilities into routine business operations. As our adoption and internal development of AI enabled tools continues to evolve, we evaluate these technologies through our established", "link": "https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm#:~:text=We%20or%20our%20third%2Dparty%20providers%20may%20develop%20or,validation%20and%20other%20risk%20management%20controls." } }, { "slug": "new-peoples-bankshares-inc", "name": "New Peoples Bankshares Inc", "state": "VA", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "new-peoples-bankshares-inc", "name": "New Peoples Bankshares Inc", "state": "VA", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "new-peoples-bankshares-inc", "name": "New Peoples Bankshares Inc", "state": "VA", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "new-peoples-bankshares-inc", "name": "New Peoples Bankshares Inc", "state": "VA", "year": 2025, "size_group": "Under $1B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "States have also started to regulate the use of artificial intelligence technologies.", "link": "https://www.sec.gov/Archives/edgar/data/1163389/000190359626000116/nwpp_10k.htm#:~:text=Artificial%20Intelligence.%20CFPB%20and%20other%20federal%20regulatory%20guidance,valuation%20models%20comply%20with%20nondiscrimination%20laws." } }, { "slug": "nicolet-bankshares-inc", "name": "Nicolet Bankshares Inc", "state": "WI", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "companies which claim to offer applications and services based on artificial intelligence are beginning to compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as financial planning and wealth management.", "link": "https://www.sec.gov/Archives/edgar/data/1174850/000117485023000008/nic-20221231.htm#:~:text=A%20number%20of%20recent%20technologies%20have%20worked%20with,banks%20as%20secure%20deposit%2Dkeepers%20and%20intermediaries." } }, { "slug": "nicolet-bankshares-inc", "name": "Nicolet Bankshares Inc", "state": "WI", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence could exacerbate many of these risks.", "link": "https://www.sec.gov/Archives/edgar/data/1174850/000117485024000010/nic-20231231.htm#:~:text=Two%20traditional%20areas%2C%20deposit%20fraud%20%28check%20kiting%2C%20wire,a%20major%20loss%20cannot%20be%20eliminated." } }, { "slug": "nicolet-bankshares-inc", "name": "Nicolet Bankshares Inc", "state": "WI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "companies which claim to offer applications and services based on artificial intelligence are beginning to compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as financial planning and wealth management", "link": "https://www.sec.gov/Archives/edgar/data/1174850/000117485025000008/nic-20241231.htm#:~:text=A%20number%20of%20recent%20technologies%20have%20worked%20with,our%20competitors%20and%20achieve%20acceptable%20margins." } }, { "slug": "nicolet-bankshares-inc", "name": "Nicolet Bankshares Inc", "state": "WI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence and quantum computing could exacerbate many of these risks", "link": "https://www.sec.gov/Archives/edgar/data/1174850/000117485026000077/nic-20251231.htm#:~:text=Two%20traditional%20areas%2C%20deposit%20fraud%20%28check%20kiting%2C%20wire,many%20of%20these%20risks.%20Our%20anti%2D" } }, { "slug": "northern-trust-corp", "name": "Northern Trust Corp", "state": "IL", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the financial services industry is undergoing rapid technological changes and financial institutions are investing significantly in evaluating new technologies, such as artificial intelligence, machine learning, blockchain and other distributed ledger technologies", "link": "https://www.sec.gov/Archives/edgar/data/73124/000007312423000049/ntrs-20221231.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,or%20may%20not%20develop%20at%20all." } }, { "slug": "northern-trust-corp", "name": "Northern Trust Corp", "state": "IL", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "any of which may see their effectiveness enhanced by the use of artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/73124/000007312424000073/ntrs-20231231.htm#:~:text=Data%20privacy%20and%20security%20risks%20for%20large%20financial,and%20potential%20vulnerabilities%20from%2C%20cyber%20threats." } }, { "slug": "northern-trust-corp", "name": "Northern Trust Corp", "state": "IL", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Northern Trust uses a variety of machine learning and artificial intelligence (“AI”) solutions to process transactional activity more efficiently and to mitigate risk. These uses currently include, among others, digitizing documents, detecting anomalous, fraudulent transactions and training", "link": "https://www.sec.gov/Archives/edgar/data/73124/000007312425000105/ntrs-20241231.htm#:~:text=Northern%20Trust%20uses%20a%20variety%20of%20machine%20learning,training%20services%20teams%20on%20operational%20processes." } }, { "slug": "northern-trust-corp", "name": "Northern Trust Corp", "state": "IL", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Northern Trust uses a variety of machine learning and artificial intelligence (AI) solutions to process transactional activity more efficiently and to mitigate risk. These uses currently include, among others, digitizing documents, detecting anomalous, fraudulent transactions and training services", "link": "https://www.sec.gov/Archives/edgar/data/73124/000007312426000016/ntrs-20251231.htm#:~:text=Northern%20Trust%20uses%20a%20variety%20of%20machine%20learning,training%20services%20teams%20on%20operational%20processes." } }, { "slug": "northpointe-bancshares-inc", "name": "Northpointe Bancshares Inc", "state": "MI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The developments and use of artificial intelligent (AI) presents risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/1336706/000162828025015483/npb-20241231.htm#:~:text=The%20developments%20and%20use%20of%20artificial%20intelligent%20%28AI%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "northpointe-bancshares-inc", "name": "Northpointe Bancshares Inc", "state": "MI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "including but not limited to artificial intelligence, which may be used by threat actors to perpetuate cyberattacks", "link": "https://www.sec.gov/Archives/edgar/data/1336706/000133670626000020/npb-20251231.htm#:~:text=The%20techniques%20used%20to%20obtain%20unauthorized%2C%20improper%20or,members%2C%20vendors%2C%20clients%20and%20loan%20applicants." } }, { "slug": "norwood-financial-corp", "name": "Norwood Financial Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "norwood-financial-corp", "name": "Norwood Financial Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "norwood-financial-corp", "name": "Norwood Financial Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "norwood-financial-corp", "name": "Norwood Financial Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "national-bank-holdings-corp", "name": "National Bank Holdings Corp", "state": "CO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "national-bank-holdings-corp", "name": "National Bank Holdings Corp", "state": "CO", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the widespread use of artificial intelligence also has increased potential for fraud and misuse.", "link": "https://www.sec.gov/Archives/edgar/data/1475841/000155837024001838/nbhc-20231231x10k.htm#:~:text=As%20a%20financial%20institution%2C%20we%20may%20be%20the,that%20such%20losses%20will%20not%20occur." } }, { "slug": "national-bank-holdings-corp", "name": "National Bank Holdings Corp", "state": "CO", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the ability to invest in or leverage new technologies such as artificial intelligence and those relative to our digital banking platform", "link": "https://www.sec.gov/Archives/edgar/data/1475841/000155837025001502/nbhc-20241231x10k.htm#:~:text=%E2%97%8F%20the%20ability%20to%20invest%20in%20or%20leverage,relative%20to%20our%20digital%20banking%20platform%3B" } }, { "slug": "national-bank-holdings-corp", "name": "National Bank Holdings Corp", "state": "CO", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the ability to invest in or leverage new technologies such as artificial intelligence and those relative to our digital banking platform", "link": "https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm#:~:text=%C2%B7%20the%20ability%20to%20invest%20in%20or%20leverage,relative%20to%20our%20digital%20banking%20platform%3B" } }, { "slug": "newtekone-inc", "name": "NewtekOne, Inc.", "state": "FL", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "newtekone-inc", "name": "NewtekOne, Inc.", "state": "FL", "year": 2023, "size_group": "Under $1B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of Artificial Intelligence (“AI”) present risks and challenges that may adversely impact our business.", "link": "https://www.sec.gov/Archives/edgar/data/1587987/000158798724000054/newt-20231231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,that%20may%20adversely%20impact%20our%20business." } }, { "slug": "newtekone-inc", "name": "NewtekOne, Inc.", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "These risks may be amplified to the extent our models utilize Artificial Intelligence, machine learning or other emerging technologies, to among other things, gather and analyze customer data.", "link": "https://www.sec.gov/Archives/edgar/data/1587987/000158798725000050/newt-20241231.htm#:~:text=If%20our%20risk%20management%20framework%20does%20not%20effectively,not%20appropriately%20anticipated%2C%20identified%20or%20mitigated." } }, { "slug": "newtekone-inc", "name": "NewtekOne, Inc.", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we leverage software and artificial intelligence (“AI”) to extract, process and exchange information from borrowers and businesses in need of a business or financial solution.", "link": "https://www.sec.gov/Archives/edgar/data/1587987/000162828026016503/newt-20251231.htm#:~:text=Through%20our%20NewTracker%20platform%2C%20we%20have%20historically%20received,of%20a%20business%20or%20financial%20solution." } }, { "slug": "northwest-bancshares-inc", "name": "Northwest Bancshares, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "northwest-bancshares-inc", "name": "Northwest Bancshares, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "northwest-bancshares-inc", "name": "Northwest Bancshares, Inc.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Such risks have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.", "link": "https://www.sec.gov/Archives/edgar/data/1471265/000147126525000016/nwbi-20241231.htm#:~:text=Despite%20the%20defensive%20measures%20we%20take%20designed%20to,telecommunications%20technologies%20to%20conduct%20financial%20transactions." } }, { "slug": "northwest-bancshares-inc", "name": "Northwest Bancshares, Inc.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Such risks have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.", "link": "https://www.sec.gov/Archives/edgar/data/1471265/000147126526000008/nwbi-20251231.htm#:~:text=Despite%20the%20defensive%20measures%20we%20take%20designed%20to,telecommunications%20technologies%20to%20conduct%20financial%20transactions." } }, { "slug": "oceanfirst-financial-corp", "name": "Oceanfirst Financial Corp", "state": "NJ", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "oceanfirst-financial-corp", "name": "Oceanfirst Financial Corp", "state": "NJ", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "oceanfirst-financial-corp", "name": "Oceanfirst Financial Corp", "state": "NJ", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The proliferation of Artificial Intelligence has enhanced actions, strategies, and processes that cyber attackers use to create threats and launch cyberattacks.", "link": "https://www.sec.gov/Archives/edgar/data/1004702/000100470225000012/ocfc-20241231.htm#:~:text=Financial%20institutions%20and%20companies%20have%20reported%20breaches%20in,other%20internet%2Dbased%20product%20offerings%20and%20systems." } }, { "slug": "oceanfirst-financial-corp", "name": "Oceanfirst Financial Corp", "state": "NJ", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The Company’s investment in technology, including modern data model incorporating artificial intelligence into processing efforts, lays a foundation for future growth, scale, and operational efficiency", "link": "https://www.sec.gov/Archives/edgar/data/1004702/000100470226000015/ocfc-20251231.htm#:~:text=The%20Company%20relies%20on%20technology%20and%20the%20resources,new%20lending%20and%20customer%20self%2Dservice%20capabilities." } }, { "slug": "ofg-bancorp", "name": "OFG Bancorp", "state": "PR", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ofg-bancorp", "name": "OFG Bancorp", "state": "PR", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "These risks are heightened further by the advent of new artificial intelligence technologies that may be adapted to increase the", "link": "https://www.sec.gov/Archives/edgar/data/1030469/000103046924000007/ofg-20231231.htm#:~:text=Financial%20institutions%20like%20us%2C%20as%20well%20as%20our,may%20be%20adapted%20to%20increase%20the" } }, { "slug": "ofg-bancorp", "name": "OFG Bancorp", "state": "PR", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "These risks are heightened further by the advent of new artificial intelligence technologies that may be adapted to increase the effectiveness of cyberattacks and their proper use may be necessary to aid in the defense of such attacks.", "link": "https://www.sec.gov/Archives/edgar/data/1030469/000103046925000007/ofg-20241231.htm#:~:text=Financial%20institutions%20like%20us%2C%20as%20well%20as%20our,use%20and%20acceptance%20of%20our%20services." } }, { "slug": "ofg-bancorp", "name": "OFG Bancorp", "state": "PR", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk" ], "quote": { "quote": "a self-service platform powered by AI that provides real time analytics, insights, recommended actions, and learning tools focused on expectations, recognition, collaboration, and development", "link": "https://www.sec.gov/Archives/edgar/data/1030469/000103046926000008/ofg-20251231.htm#:~:text=Leaders%20are%20supported%20through%20a%20self%2Dservice%20platform%20powered,connect%20them%20to%20broader%20business%20outcomes." } }, { "slug": "ohio-valley-banc-corp", "name": "Ohio Valley Banc Corp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ohio-valley-banc-corp", "name": "Ohio Valley Banc Corp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ohio-valley-banc-corp", "name": "Ohio Valley Banc Corp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "ohio-valley-banc-corp", "name": "Ohio Valley Banc Corp", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-national-bancorp-in", "name": "Old National Bancorp", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-national-bancorp-in", "name": "Old National Bancorp", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-national-bancorp-in", "name": "Old National Bancorp", "state": "IN", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "As cyber threats continue to evolve, including as a result of the increased use of artificial intelligence, we may be required to expend significant additional resources to continue to modify or enhance our systems or to investigate and remediate vulnerabilities.", "link": "https://www.sec.gov/Archives/edgar/data/707179/000070717925000005/onb-20241231.htm#:~:text=Despite%20our%20efforts%20to%20ensure%20the%20integrity%20of,of%20systems%20disruptions%20and%20security%20issues." } }, { "slug": "old-national-bancorp-in", "name": "Old National Bancorp", "state": "IN", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The use and development of artificial intelligence, including digital employees and digital engineers, by Old National and its third party vendors, clients, counterparties, and other market participants in certain business processes, models, including generative artificial intelligence models", "link": "https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm#:~:text=The%20use%20and%20development%20of%20artificial%20intelligence%2C%20including,may%20not%20adequately%20predict%20or%20mitigate." } }, { "slug": "old-point-financial-corp", "name": "Old Point Financial Corp", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-point-financial-corp", "name": "Old Point Financial Corp", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-point-financial-corp", "name": "Old Point Financial Corp", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of artificial intelligence (“AI”) presents risks and challenges that may adversely impact our business. We or our third-party vendors, clients or counterparties may develop or incorporate AI technology in certain business processes, services or products.", "link": "https://www.sec.gov/Archives/edgar/data/740971/000114036125011206/ef20039021_10k.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29,the%20effectiveness%20of%20our%20security%20measures." } }, { "slug": "old-second-bancorp-inc", "name": "Old Second Bancorp Inc", "state": "IL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-second-bancorp-inc", "name": "Old Second Bancorp Inc", "state": "IL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "old-second-bancorp-inc", "name": "Old Second Bancorp Inc", "state": "IL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The integration of AI and emerging technologies presents regulatory and operational challenges.", "link": "https://www.sec.gov/Archives/edgar/data/357173/000155837025002383/tmb-20241231x10k.htm#:~:text=%E2%97%8F%20The%20integration%20of%20AI%20and%20emerging%20technologies%20presents%20regulatory%20and%20operational%20challenges." } }, { "slug": "old-second-bancorp-inc", "name": "Old Second Bancorp Inc", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "rapid adoption of AI by competitors, either in financial services or FinTech, could create significant pressure on pricing, automation, or client satisfaction. If we fail to keep pace with AI-enabled analytics and customer offerings, our competitive positioning could be detrimentally impacted.", "link": "https://www.sec.gov/Archives/edgar/data/357173/000110465926020393/osbc-20251231x10k.htm#:~:text=our%20primary%20market%20areas%20and%20elsewhere.%20Local%20competitors,competitive%20positioning%20could%20be%20detrimentally%20impacted." } }, { "slug": "op-bancorp", "name": "OP Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "op-bancorp", "name": "OP Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Criminals are using increasingly sophisticated methods to engage in illegal activities, including through the use of deposit account products and customer information and may also see their effectiveness enhanced by the use of artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1722010/000162828024013750/opbk-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20subject%20to%20rapid,our%20inability%20to%20keep%20pace%20with" } }, { "slug": "op-bancorp", "name": "OP Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Criminals are using increasingly sophisticated methods to engage in illegal activities, including through the use of deposit account products and customer information and may also see their effectiveness enhanced by the use of artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1722010/000162828025015428/opbk-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20subject%20to%20rapid,financial%20position%20and%20results%20of%20operation." } }, { "slug": "op-bancorp", "name": "OP Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Certain of these third‑party service providers may incorporate or rely on artificial intelligence (“AI”), machine learning, automated decision‑making technologies or similar emerging technologies", "link": "https://www.sec.gov/Archives/edgar/data/1722010/000172201026000002/opbk-20251231.htm#:~:text=We%20depend%20to%20a%20significant%20extent%20on%20relationships,decision%E2%80%91making%20technologies%20or%20similar%20emerging%20technologies" } }, { "slug": "orrstown-financial-services-inc", "name": "Orrstown Financial Services Inc", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "orrstown-financial-services-inc", "name": "Orrstown Financial Services Inc", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/826154/000082615424000060/orrf-20231231.htm#:~:text=The%20introduction%20of%20new%20products%20and%20services%20can,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "orrstown-financial-services-inc", "name": "Orrstown Financial Services Inc", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/826154/000082615425000090/orrf-20241231.htm#:~:text=The%20introduction%20of%20new%20products%20and%20services%20can,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "orrstown-financial-services-inc", "name": "Orrstown Financial Services Inc", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/826154/000162828026017278/orrf-20251231.htm#:~:text=requirements%2C%20capital%20requirements%2C%20competitive%20alternatives%2C%20vendor%20relationships%20and,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "oak-valley-bancorp", "name": "Oak Valley Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "oak-valley-bancorp", "name": "Oak Valley Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of artificial intelligence technologies have also given rise to additional vulnerabilities and potential entry points for cyber threats.", "link": "https://www.sec.gov/Archives/edgar/data/1431567/000143774924010372/ovly20231231_10k.htm#:~:text=Communications%20and%20information%20systems%20are%20essential%20to%20the,could%20also%20suffer%20significant%20reputational%20damage." } }, { "slug": "oak-valley-bancorp", "name": "Oak Valley Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of artificial intelligence technologies have also given rise to additional vulnerabilities and potential entry points for cyber threats.", "link": "https://www.sec.gov/Archives/edgar/data/1431567/000143774925010215/ovly20241231_10k.htm#:~:text=Communications%20and%20information%20systems%20are%20essential%20to%20the,could%20also%20suffer%20significant%20reputational%20damage." } }, { "slug": "oak-valley-bancorp", "name": "Oak Valley Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of artificial intelligence technologies have also given rise to additional vulnerabilities and potential entry points for cyber threats.", "link": "https://www.sec.gov/Archives/edgar/data/1431567/000143774926009757/ovly20251231_10k.htm#:~:text=Communications%20and%20information%20systems%20are%20essential%20to%20the,could%20also%20suffer%20significant%20reputational%20damage." } }, { "slug": "optimumbank-holdings-inc", "name": "OptimumBank Holdings, Inc.", "state": "FL", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "optimumbank-holdings-inc", "name": "OptimumBank Holdings, Inc.", "state": "FL", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "optimumbank-holdings-inc", "name": "OptimumBank Holdings, Inc.", "state": "FL", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "optimumbank-holdings-inc", "name": "OptimumBank Holdings, Inc.", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "orange-county-bancorp-inc-de", "name": "Orange County Bancorp, Inc.", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "orange-county-bancorp-inc-de", "name": "Orange County Bancorp, Inc.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": true, "flags": [], "quote": null }, { "slug": "orange-county-bancorp-inc-de", "name": "Orange County Bancorp, Inc.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": false, "flags": [], "quote": null }, { "slug": "orange-county-bancorp-inc-de", "name": "Orange County Bancorp, Inc.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "investment in data mining and artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/1754226/000110465926028308/obt-20251231x10k.htm#:~:text=%E2%80%A2Computer%20software%20expense%20increased%20as%20part%20of%20technology,in%20data%20mining%20and%20artificial%20intelligence." } }, { "slug": "origin-bancorp-inc", "name": "Origin Bancorp, Inc.", "state": "LA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "origin-bancorp-inc", "name": "Origin Bancorp, Inc.", "state": "LA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services (including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies)", "link": "https://www.sec.gov/Archives/edgar/data/1516912/000151691224000027/obnk-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,such%20challenges%20in%20a%20timely%20manner." } }, { "slug": "origin-bancorp-inc", "name": "Origin Bancorp, Inc.", "state": "LA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid advancement and integration of artificial intelligence in financial services present risks related to data security, regulatory compliance, algorithmic biases, and operational reliability, which could impact our business, reputation, and regulatory obligations", "link": "https://www.sec.gov/Archives/edgar/data/1516912/000151691225000064/obnk-20241231.htm#:~:text=%E2%80%A2The%20rapid%20advancement%20and%20integration%20of%20artificial%20intelligence,our%20business%2C%20reputation%2C%20and%20regulatory%20obligations%3B" } }, { "slug": "origin-bancorp-inc", "name": "Origin Bancorp, Inc.", "state": "LA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid advancement and integration of artificial intelligence in financial services present risks related to data security, regulatory compliance, algorithmic biases, and operational reliability, which could impact our business, reputation, and regulatory obligations", "link": "https://www.sec.gov/Archives/edgar/data/1516912/000151691226000011/obnk-20251231.htm#:~:text=%E2%80%A2The%20rapid%20advancement%20and%20integration%20of%20artificial%20intelligence,our%20business%2C%20reputation%2C%20and%20regulatory%20obligations%3B" } }, { "slug": "pacific-premier-bancorp-inc", "name": "Pacific Premier Bancorp Inc", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pacific-premier-bancorp-inc", "name": "Pacific Premier Bancorp Inc", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the growing reliance on artificial intelligence (“AI”) technologies by vendors, business partners, and technology solutions or applications introduces additional risks, including but not limited to: Algorithmic Bias that may result in unintended discriminatory outcomes", "link": "https://www.sec.gov/Archives/edgar/data/1028918/000102891824000017/ppbi-20231231.htm#:~:text=In%20addition%2C%20the%20growing%20reliance%20on%20artificial%20intelligence,to%20our%20competitive%20position%20or%20reputation." } }, { "slug": "pacific-premier-bancorp-inc", "name": "Pacific Premier Bancorp Inc", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have adopted an AI Policy that, among other things, prohibits the use of generative AI in our day-to-day operations. Nevertheless, we may rely on AI models developed by third parties", "link": "https://www.sec.gov/Archives/edgar/data/1028918/000102891825000014/ppbi-20241231.htm#:~:text=We%20or%20our%20third%2Dparty%20%28or%20more%20indirect%2C%20e.g.,bad%20actors%20to%20commit%20fraud%20and" } }, { "slug": "pacwest-bancorp", "name": "Pacwest Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "park-national-corp-oh", "name": "Park National Corp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "park-national-corp-oh", "name": "Park National Corp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "park-national-corp-oh", "name": "Park National Corp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "park-national-corp-oh", "name": "Park National Corp", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "parke-bancorp-inc", "name": "Parke Bancorp, Inc.", "state": "NJ", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "parke-bancorp-inc", "name": "Parke Bancorp, Inc.", "state": "NJ", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "parke-bancorp-inc", "name": "Parke Bancorp, Inc.", "state": "NJ", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "parke-bancorp-inc", "name": "Parke Bancorp, Inc.", "state": "NJ", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "partners-bancorp", "name": "Partners Bancorp", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pathward-financial-inc", "name": "Pathward Financial, Inc.", "state": "SD", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pathward-financial-inc", "name": "Pathward Financial, Inc.", "state": "SD", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pathward-financial-inc", "name": "Pathward Financial, Inc.", "state": "SD", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "The use of AI models developed by third parties introduces risks related to how those models are developed, trained, and deployed, including unauthorized material in training data and limited visibility into risk mitigation steps.", "link": "https://www.sec.gov/Archives/edgar/data/907471/000090747125000116/cash-20250930.htm#:~:text=The%20use%20of%20AI%20models%20developed%20by%20third,compliance%20costs%20and%20risk%20of%20non%2Dcompliance." } }, { "slug": "patriot-national-bancorp-inc", "name": "Patriot National Bancorp Inc", "state": "CT", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "patriot-national-bancorp-inc", "name": "Patriot National Bancorp Inc", "state": "CT", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "patriot-national-bancorp-inc", "name": "Patriot National Bancorp Inc", "state": "CT", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "patriot-national-bancorp-inc", "name": "Patriot National Bancorp Inc", "state": "CT", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents a number of risks and challenges, including concerns around safety and soundness, privacy and data-handling, fair access to financial services, fair treatment to customers, inaccuracy of results broadly known as “hallucinations” and compliance with applicable", "link": "https://www.sec.gov/Archives/edgar/data/1098146/000162828026022508/pnbk-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20customers%20or%20counterparties,the%20risks%20to%20us%20of%20non%2Dcompliance." } }, { "slug": "pcb-bancorp", "name": "PCB Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pcb-bancorp", "name": "PCB Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pcb-bancorp", "name": "PCB Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.", "link": "https://www.sec.gov/Archives/edgar/data/1423869/000142386925000006/pcb-20241231.htm#:~:text=We%20rely%20heavily%20on%20communications%2C%20information%20systems%20%28both,technologies%20may%20further%20increase%20these%20risks." } }, { "slug": "pcb-bancorp", "name": "PCB Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.", "link": "https://www.sec.gov/Archives/edgar/data/1423869/000142386926000006/pcb-20251231.htm#:~:text=We%20rely%20heavily%20on%20communications%2C%20information%20systems%20%28both,technologies%20may%20further%20increase%20these%20risks." } }, { "slug": "penns-woods-bancorp-inc", "name": "Penns Woods Bancorp Inc", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "penns-woods-bancorp-inc", "name": "Penns Woods Bancorp Inc", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "penns-woods-bancorp-inc", "name": "Penns Woods Bancorp Inc", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-inc", "name": "Peoples Bancorp Inc", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-inc", "name": "Peoples Bancorp Inc", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-inc", "name": "Peoples Bancorp Inc", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-inc", "name": "Peoples Bancorp Inc", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services, including artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/318300/000031830026000099/pebo-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,Peoples%E2%80%99%20growth%2C%20revenue%20and%20net%20income." } }, { "slug": "peoples-bancorp-of-north-carolina-inc", "name": "Peoples Bancorp of North Carolina Inc", "state": "NC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-of-north-carolina-inc", "name": "Peoples Bancorp of North Carolina Inc", "state": "NC", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-of-north-carolina-inc", "name": "Peoples Bancorp of North Carolina Inc", "state": "NC", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-bancorp-of-north-carolina-inc", "name": "Peoples Bancorp of North Carolina Inc", "state": "NC", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have implemented an AI governance function and risk management framework that includes a risk assessment of internal and vendor AI solutions, due diligence, model validation, and controls.", "link": "https://www.sec.gov/Archives/edgar/data/1093672/000165495426002154/pebk_10k.htm#:~:text=We%20are%20in%20the%20process%20of%20implementing%20artificial,impair%20our%20ability%20to%20compete%20effectively." } }, { "slug": "peoples-financial-corp-ms", "name": "Peoples Financial Corp", "state": "MS", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-financial-corp-ms", "name": "Peoples Financial Corp", "state": "MS", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-financial-corp-ms", "name": "Peoples Financial Corp", "state": "MS", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-financial-corp-ms", "name": "Peoples Financial Corp", "state": "MS", "year": 2025, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-financial-services-corp", "name": "Peoples Financial Services Corp.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-financial-services-corp", "name": "Peoples Financial Services Corp.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "peoples-financial-services-corp", "name": "Peoples Financial Services Corp.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents several potential risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving in the U.S. and internationally", "link": "https://www.sec.gov/Archives/edgar/data/1056943/000155837025003995/pfis-20241231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,the%20effectiveness%20of%20our%20security%20measures." } }, { "slug": "peoples-financial-services-corp", "name": "Peoples Financial Services Corp.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents several potential risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving in the U.S. and internationally", "link": "https://www.sec.gov/Archives/edgar/data/1056943/000110465926028106/pfis-20251231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,as%20well%20as%20intellectual%20property%2C%20privacy%2C" } }, { "slug": "pinnacle-financial-partners-inc", "name": "Pinnacle Financial Partners Inc", "state": "TN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pinnacle-financial-partners-inc", "name": "Pinnacle Financial Partners Inc", "state": "TN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Generative artificial intelligence is further increasing risks in this area, including by making fraud detection more difficult, particularly with detection devices that use voice recognition or authentication.", "link": "https://www.sec.gov/Archives/edgar/data/1115055/000111505524000029/pnfp-20231231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,condition%2C%20results%20of%20operations%20and%20liquidity." } }, { "slug": "pinnacle-financial-partners-inc", "name": "Pinnacle Financial Partners Inc", "state": "TN", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Our current or future use of artificial intelligence or machine learning tools in our business operations could expose us to new or additional costs and risks, including the potential introduction of new vulnerabilities or cybersecurity risks", "link": "https://www.sec.gov/Archives/edgar/data/1115055/000111505525000042/pnfp-20241231.htm#:~:text=Our%20current%20or%20future%20use%20of%20artificial%20intelligence,and%20may%20impact%20our%20business%20results." } }, { "slug": "pnc-financial-services-group-inc", "name": "PNC Financial Services Group", "state": "PA", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance" ], "quote": { "quote": "We use automation, machine learning, artificial intelligence and robotic process automation tools to help reduce some risks of human error.", "link": "https://www.sec.gov/Archives/edgar/data/713676/000071367623000020/pnc-20221231.htm#:~:text=We%20use%20automation%2C%20machine%20learning%2C%20artificial%20intelligence%20and,or%20that%20results%20are%20themselves%20anomalous." } }, { "slug": "pnc-financial-services-group-inc", "name": "PNC Financial Services Group", "state": "PA", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "There are risks resulting from the extensive use of models, some of which use artificial intelligence (AI), in our business.", "link": "https://www.sec.gov/Archives/edgar/data/713676/000071367624000028/pnc-20231231.htm#:~:text=There%20are%20risks%20resulting%20from%20the%20extensive%20use,artificial%20intelligence%20%28AI%29%2C%20in%20our%20business." } }, { "slug": "pnc-financial-services-group-inc", "name": "PNC Financial Services Group", "state": "PA", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "There are risks resulting from the extensive use of models, some of which use AI, in our business.", "link": "https://www.sec.gov/Archives/edgar/data/713676/000071367625000027/pnc-20241231.htm#:~:text=There%20are%20risks%20resulting%20from%20the%20extensive%20use,which%20use%20AI%2C%20in%20our%20business." } }, { "slug": "pnc-financial-services-group-inc", "name": "PNC Financial Services Group", "state": "PA", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "There are risks resulting from the extensive use of models, some of which use AI, in our business.", "link": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm#:~:text=There%20are%20risks%20resulting%20from%20the%20extensive%20use,which%20use%20AI%2C%20in%20our%20business." } }, { "slug": "popular-inc", "name": "Popular, Inc.", "state": "PR", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "popular-inc", "name": "Popular, Inc.", "state": "PR", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": true, "new_this_year": true, "flags": [], "quote": null }, { "slug": "popular-inc", "name": "Popular, Inc.", "state": "PR", "year": 2024, "size_group": "$50B and above", "max_detail": null, "mentions": true, "new_this_year": false, "flags": [], "quote": null }, { "slug": "popular-inc", "name": "Popular, Inc.", "state": "PR", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "artificial intelligence which may put us at a", "link": "https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm#:~:text=artificial%20intelligence%20which%20may%20put%20us%20at%20a" } }, { "slug": "premier-financial-corp", "name": "Premier Financial Corp", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "premier-financial-corp", "name": "Premier Financial Corp", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "premier-financial-corp", "name": "Premier Financial Corp", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "prosperity-bancshares-inc", "name": "Prosperity Bancshares Inc", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "prosperity-bancshares-inc", "name": "Prosperity Bancshares Inc", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "prosperity-bancshares-inc", "name": "Prosperity Bancshares Inc", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The use of new technologies, including artificial intelligence (“AI”) and machine learning, may result in reputational harm, increased regulatory scrutiny and increased liability.", "link": "https://www.sec.gov/Archives/edgar/data/1068851/000095017025029222/pb-20241231.htm#:~:text=The%20use%20of%20new%20technologies%2C%20including%20artificial%20intelligence,increased%20regulatory%20scrutiny%20and%20increased%20liability." } }, { "slug": "prosperity-bancshares-inc", "name": "Prosperity Bancshares Inc", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The use of new technologies, including artificial intelligence (“AI”) and machine learning, may result in reputational harm, increased regulatory scrutiny and increased liability.", "link": "https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm#:~:text=The%20use%20of%20new%20technologies%2C%20including%20artificial%20intelligence,increased%20regulatory%20scrutiny%20and%20increased%20liability." } }, { "slug": "pathfinder-bancorp-inc", "name": "Pathfinder Bancorp, Inc.", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pathfinder-bancorp-inc", "name": "Pathfinder Bancorp, Inc.", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pathfinder-bancorp-inc", "name": "Pathfinder Bancorp, Inc.", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pathfinder-bancorp-inc", "name": "Pathfinder Bancorp, Inc.", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "pinnacle-financial-partners-inc-2082866", "name": "Pinnacle Financial Partners, Inc.", "state": "GA", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Our current or future use of artificial intelligence or machine learning tools in our business operations could expose us to new or additional costs and risks, including the potential introduction of new vulnerabilities or cybersecurity risks", "link": "https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm#:~:text=Our%20current%20or%20future%20use%20of%20artificial%20intelligence,and%20may%20impact%20our%20business%20results." } }, { "slug": "prime-meridian-holding-co", "name": "Prime Meridian Holding Co", "state": "FL", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "prime-meridian-holding-co", "name": "Prime Meridian Holding Co", "state": "FL", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "primis-financial-corp", "name": "Primis Financial Corp.", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/1325670/000155837024013150/frst-20221231x10ka.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "primis-financial-corp", "name": "Primis Financial Corp.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "including those related to or involving artificial intelligence, machine learning, blockchain and other distributed ledger technologies", "link": "https://www.sec.gov/Archives/edgar/data/1325670/000155837024013277/frst-20231231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,new%20technology%20driven%20products%20and%20services" } }, { "slug": "primis-financial-corp", "name": "Primis Financial Corp.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the Company may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models", "link": "https://www.sec.gov/Archives/edgar/data/1325670/000155837025005861/frst-20241231x10k.htm#:~:text=eliminating%20bias%2C%20and%20complying%20with%20regulations%20that%20require,the%20effectiveness%20of%20its%20security%20measures." } }, { "slug": "primis-financial-corp", "name": "Primis Financial Corp.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services including those related to or involving artificial intelligence, machine learnings, blockchain and other distributed ledger technologies.", "link": "https://www.sec.gov/Archives/edgar/data/1325670/000110465926028599/frst-20251231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,use%20of%20technology%20increases%20efficiency%20and" } }, { "slug": "princeton-bancorp-inc", "name": "Princeton Bancorp, Inc.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "princeton-bancorp-inc", "name": "Princeton Bancorp, Inc.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "princeton-bancorp-inc", "name": "Princeton Bancorp, Inc.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "names_ai_company", "concrete_detail" ], "quote": { "quote": "These include SentinelOne for advanced cybersecurity threat detection and response, Verafin for fraud detection and AML compliance, the Glia Chatbot for enhancing customer service interactions, and CATO Networks for AI-driven network security and optimization.", "link": "https://www.sec.gov/Archives/edgar/data/1913971/000119312525054907/d885370d10k.htm#:~:text=The%20Bank%20does%20not%20utilize%20AI%20for%20decision%2Dmaking,the%20company%E2%80%99s%20business%20or%20financial%20results." } }, { "slug": "princeton-bancorp-inc", "name": "Princeton Bancorp, Inc.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "names_ai_company", "concrete_detail" ], "quote": { "quote": "These include Sophos for advanced cybersecurity threat detection and response, Verafin for fraud detection and AML compliance, the Glia Chatbot for enhancing customer service interactions, and CATO Networks for AI-driven network security and optimization.", "link": "https://www.sec.gov/Archives/edgar/data/1913971/000119312526106151/bprn-20251231.htm#:~:text=The%20Bank%20does%20not%20utilize%20AI%20for%20decision%2Dmaking,the%20Company%E2%80%99s%20business%20or%20financial%20results." } }, { "slug": "qcr-holdings-inc", "name": "QCR Holdings Inc", "state": "IL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "qcr-holdings-inc", "name": "QCR Holdings Inc", "state": "IL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "New or revised laws and regulations, including with the respect to the use of artificial intelligence by financial institutions and service providers, may significantly impact our current and planned privacy, data protection and information security-related practices", "link": "https://www.sec.gov/Archives/edgar/data/906465/000155837024002208/qcrh-20231231x10k.htm#:~:text=Furthermore%2C%20there%20has%20been%20a%20heightened%20legislative%20and,which%20could%20adversely%20affect%20our%20business." } }, { "slug": "qcr-holdings-inc", "name": "QCR Holdings Inc", "state": "IL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "breaches or failures of the Company’s information security controls or cybersecurity-related incidents, including those employing artificial intelligence or resulting from insider fraud", "link": "https://www.sec.gov/Archives/edgar/data/906465/000155837025001954/qcrh-20241231x10k.htm#:~:text=%E2%97%8F%20The%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,intelligence%20or%20resulting%20from%20insider%20fraud%3B" } }, { "slug": "qcr-holdings-inc", "name": "QCR Holdings Inc", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The occurrence of fraudulent activity, breaches or failures of the Company’s information security controls or cybersecurity-related incidents, including those employing artificial intelligence or resulting from insider fraud", "link": "https://www.sec.gov/Archives/edgar/data/906465/000110465926021531/qcrh-20251231x10k.htm#:~:text=%E2%97%8F%20The%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,intelligence%20or%20resulting%20from%20insider%20fraud%3B" } }, { "slug": "qnb-corp", "name": "QNB Corp.", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "qnb-corp", "name": "QNB Corp.", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "qnb-corp", "name": "QNB Corp.", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "qnb-corp", "name": "QNB Corp.", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "raymond-james-financial-inc", "name": "Raymond James Financial Inc", "state": "FL", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "technology advances in the areas of artificial intelligence, mobile applications, and remote connectivity solutions have increased the collection and processing of personal information as well as the risks associated with unauthorized disclosure and access to personal information.", "link": "https://www.sec.gov/Archives/edgar/data/720005/000072000523000079/rjf-20230930.htm#:~:text=The%20multitude%20of%20data%20privacy%20laws%20and%20regulations,disclosure%20and%20access%20to%20personal%20information." } }, { "slug": "raymond-james-financial-inc", "name": "Raymond James Financial Inc", "state": "FL", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we may in the future use, develop, and incorporate within our technology platform and services, systems and tools that incorporate AI and machine learning, including generative AI", "link": "https://www.sec.gov/Archives/edgar/data/720005/000072000524000069/rjf-20240930.htm#:~:text=Although%20we%20currently%20do%20not%20use%20AI%20extensively%2C,such%20as%20AI%20algorithms%20that%20produce" } }, { "slug": "raymond-james-financial-inc", "name": "Raymond James Financial Inc", "state": "FL", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "ineffective or inadequate AI development or deployment practices by us or third-party vendors could result in unintended consequences such as AI algorithms that produce inaccurate output or that are based on biased, incomplete, and/or inaccurate datasets", "link": "https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm#:~:text=We%20use%2C%20develop%2C%20and%20incorporate%20within%20our%20technology,use%20AI%20and%20machine%20learning%20technologies." } }, { "slug": "rbb-bancorp", "name": "RBB Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "rbb-bancorp", "name": "RBB Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "rbb-bancorp", "name": "RBB Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "rbb-bancorp", "name": "RBB Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The development and use of new technologies, including artificial intelligence (\"AI\"), can present risks and uncertainties that could adversely affect our business and financial condition.", "link": "https://www.sec.gov/Archives/edgar/data/1499422/000143774926007387/rbb20251231_10k.htm#:~:text=The%20development%20and%20use%20of%20new%20technologies%2C%20including,affect%20our%20business%20and%20financial%20condition." } }, { "slug": "red-river-bancshares-inc", "name": "Red River Bancshares Inc", "state": "LA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "red-river-bancshares-inc", "name": "Red River Bancshares Inc", "state": "LA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "red-river-bancshares-inc", "name": "Red River Bancshares Inc", "state": "LA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "red-river-bancshares-inc", "name": "Red River Bancshares Inc", "state": "LA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents risks and challenges that may adversely affect our business.", "link": "https://www.sec.gov/Archives/edgar/data/1071236/000107123626000027/rrbi-20251231.htm#:~:text=The%20development%20and%20use%20of%20AI%20presents%20risks%20and%20challenges%20that%20may%20adversely%20affect%20our%20business." } }, { "slug": "regions-financial-corp", "name": "Regions Financial Corp", "state": "AL", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance" ], "quote": { "quote": "We utilize quantitative models, machine learning models, and artificial intelligence models to assist in measuring risks and estimating or predicting certain financial values.", "link": "https://www.sec.gov/Archives/edgar/data/1281761/000128176123000012/rf-20221231.htm#:~:text=We%20utilize%20quantitative%20models%2C%20machine%20learning%20models%2C%20and,generate%20the%20relevant%20information%20is%20insufficient." } }, { "slug": "regions-financial-corp", "name": "Regions Financial Corp", "state": "AL", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "We utilize quantitative models, machine learning models and artificial intelligence models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit,", "link": "https://www.sec.gov/Archives/edgar/data/1281761/000128176124000010/rf-20231231.htm#:~:text=We%20utilize%20quantitative%20models%2C%20machine%20learning%20models%20and,generate%20the%20relevant%20information%20is%20insufficient." } }, { "slug": "regions-financial-corp", "name": "Regions Financial Corp", "state": "AL", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We utilize quantitative models and machine learning models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit", "link": "https://www.sec.gov/Archives/edgar/data/1281761/000128176125000010/rf-20241231.htm#:~:text=We%20utilize%20quantitative%20models%20and%20machine%20learning%20models,generate%20the%20relevant%20information%20is%20insufficient." } }, { "slug": "regions-financial-corp", "name": "Regions Financial Corp", "state": "AL", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We utilize quantitative models and machine learning models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit", "link": "https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm#:~:text=We%20utilize%20quantitative%20models%20and%20machine%20learning%20models,generate%20the%20relevant%20information%20is%20insufficient." } }, { "slug": "renasant-corp", "name": "Renasant Corp", "state": "MS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "renasant-corp", "name": "Renasant Corp", "state": "MS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "renasant-corp", "name": "Renasant Corp", "state": "MS", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our systems are threatened by unpredictable events such as terrorist attacks, power outages or tornadoes or other natural disasters", "link": "https://www.sec.gov/Archives/edgar/data/715072/000071507225000054/rnst-20241231.htm#:~:text=facilitated%20by%20artificial%20intelligence%20tools.%20In%20addition%2C%20our,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "renasant-corp", "name": "Renasant Corp", "state": "MS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "a new back-office process or procedure (each of which may involve the incorporation of AI technologies), the implications to the Company’s information security are required to be considered.", "link": "https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm#:~:text=a%20new%20back%2Doffice%20process%20or%20procedure%20%28each%20of,Company%E2%80%99s%20overall%20enterprise%20risk%20management%20program." } }, { "slug": "republic-bancorp-inc-ky", "name": "Republic Bancorp Inc", "state": "KY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "republic-bancorp-inc-ky", "name": "Republic Bancorp Inc", "state": "KY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "republic-bancorp-inc-ky", "name": "Republic Bancorp Inc", "state": "KY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the rapid evolution and increased adoption of artificial intelligence technologies may further intensify our cybersecurity risks by making cyberattacks more difficult to detect, contain or mitigate.", "link": "https://www.sec.gov/Archives/edgar/data/921557/000155837025002370/rbcaa-20241231x10k.htm#:~:text=The%20Company%E2%80%99s%20operations%2C%20including%20third%2Dparty%20and%20client%20interactions%2C,adversely%20affecting%20client%20or%20investor%20confidence." } }, { "slug": "republic-bancorp-inc-ky", "name": "Republic Bancorp Inc", "state": "KY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "The evolving federal “AI Action Plan” and related regulatory initiatives could increase compliance costs, constrain the Company’s use of AI, and expose the Company to new legal, operational, and reputational risks.", "link": "https://www.sec.gov/Archives/edgar/data/921557/000110465926024523/rbcaa-20251231x10k.htm#:~:text=The%20evolving%20federal%20%E2%80%9CAI%20Action%20Plan%E2%80%9D%20and%20related,develop%2C%20deploy%2C%20and%20oversee%20AI%2Denabled%20systems." } }, { "slug": "richmond-mutual-bancorporation-inc", "name": "Richmond Mutual Bancorporation, Inc.", "state": "IN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "richmond-mutual-bancorporation-inc", "name": "Richmond Mutual Bancorporation, Inc.", "state": "IN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "richmond-mutual-bancorporation-inc", "name": "Richmond Mutual Bancorporation, Inc.", "state": "IN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.", "link": "https://www.sec.gov/Archives/edgar/data/1767837/000176783725000006/fil-20241231.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny." } }, { "slug": "richmond-mutual-bancorporation-inc", "name": "Richmond Mutual Bancorporation, Inc.", "state": "IN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.", "link": "https://www.sec.gov/Archives/edgar/data/1767837/000162828026020414/fil-20251231.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny." } }, { "slug": "river-financial-corp", "name": "River Financial Corp", "state": "AL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "river-financial-corp", "name": "River Financial Corp", "state": "AL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "river-financial-corp", "name": "River Financial Corp", "state": "AL", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "river-financial-corp", "name": "River Financial Corp", "state": "AL", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "s-and-t-bancorp-inc", "name": "S&T Bancorp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "s-and-t-bancorp-inc", "name": "S&T Bancorp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "s-and-t-bancorp-inc", "name": "S&T Bancorp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "s-and-t-bancorp-inc", "name": "S&T Bancorp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We also depend on third-party vendors and service providers for core systems and specialized tools that may incorporate artificial intelligence functionality. Our ability to manage artificial intelligence related risk is therefore partially dependent on the controls, governance and resilience of", "link": "https://www.sec.gov/Archives/edgar/data/719220/000071922026000030/stba-20251231.htm#:~:text=We%20are%20dependent%20for%20the%20majority%20of%20our,our%20business%20and%20results%20of%20operations." } }, { "slug": "sandy-spring-bancorp-inc", "name": "Sandy Spring Bancorp Inc", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "sandy-spring-bancorp-inc", "name": "Sandy Spring Bancorp Inc", "state": "MD", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "sandy-spring-bancorp-inc", "name": "Sandy Spring Bancorp Inc", "state": "MD", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "sb-financial-group-inc", "name": "SB Financial Group, Inc.", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "sb-financial-group-inc", "name": "SB Financial Group, Inc.", "state": "OH", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning" ], "quote": { "quote": "network/endpoint detection and response coupled with advanced identification-enhanced logging capabilities powered by artificial intelligence software", "link": "https://www.sec.gov/Archives/edgar/data/767405/000121390024021013/ea0200906-10k_sbfin.htm#:~:text=The%20Company%20regularly%20assesses%20risks%20from%20cybersecurity%20threats%2C,the%20effectiveness%20of%20our%20cybersecurity%20controls." } }, { "slug": "sb-financial-group-inc", "name": "SB Financial Group, Inc.", "state": "OH", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance" ], "quote": { "quote": "network/endpoint detection and response coupled with advanced identification-enhanced logging capabilities powered by artificial intelligence software", "link": "https://www.sec.gov/Archives/edgar/data/767405/000121390025021622/ea0232680-10k_sbfin.htm#:~:text=The%20Company%20regularly%20assesses%20risks%20from%20cybersecurity%20threats%2C,the%20effectiveness%20of%20our%20cybersecurity%20controls." } }, { "slug": "sb-financial-group-inc", "name": "SB Financial Group, Inc.", "state": "OH", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning" ], "quote": { "quote": "network/endpoint detection and response coupled with advanced identification-enhanced logging capabilities powered by artificial intelligence software", "link": "https://www.sec.gov/Archives/edgar/data/767405/000121390026024471/ea0279644-10k_sbfinancial.htm#:~:text=The%20Company%20regularly%20assesses%20risks%20from%20cybersecurity%20threats%2C,the%20effectiveness%20of%20our%20cybersecurity%20controls." } }, { "slug": "schwab-charles-corp", "name": "Charles Schwab Corp", "state": "TX", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "schwab-charles-corp", "name": "Charles Schwab Corp", "state": "TX", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the increased sophistication and activities, including the use of artificial intelligence technologies, of organized crime, activists, hackers and other external parties, including foreign state actors", "link": "https://www.sec.gov/Archives/edgar/data/316709/000031670924000018/schw-20231231.htm#:~:text=Our%20business%20involves%20the%20secure%20processing%2C%20storage%2C%20and,denial%20of%20service%20attacks%20that%20could" } }, { "slug": "schwab-charles-corp", "name": "Charles Schwab Corp", "state": "TX", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Schwab manages model risk, including use of artificial intelligence, through use of policies, standards, and controls which evaluate the conceptual and technical soundness of models used by the Company.", "link": "https://www.sec.gov/Archives/edgar/data/316709/000031670925000010/schw-20241231.htm#:~:text=Model%20risk%20is%20the%20potential%20for%20adverse%20consequences,performance%20monitoring%20of%20the%20Company%E2%80%99s%20models." } }, { "slug": "schwab-charles-corp", "name": "Charles Schwab Corp", "state": "TX", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "Schwab manages model risk, including use of artificial intelligence, through use of policies, standards, and controls which evaluate the conceptual and technical soundness of models used by the Company. Prior to the use of any artificial intelligence, we employ procedures which require", "link": "https://www.sec.gov/Archives/edgar/data/316709/000031670926000009/schw-20251231.htm#:~:text=Model%20risk%20is%20the%20potential%20for%20adverse%20consequences,performance%20monitoring%20of%20the%20Company%E2%80%99s%20models." } }, { "slug": "seacoast-banking-corp-of-florida", "name": "Seacoast Banking Corp of Florida", "state": "FL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "seacoast-banking-corp-of-florida", "name": "Seacoast Banking Corp of Florida", "state": "FL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the widespread adoption of new technologies, including internet banking services, mobile banking services, cryptocurrencies and payment systems, and artificial intelligence, could require substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/730708/000073070824000070/sbcf-20231231.htm#:~:text=In%20addition%2C%20the%20widespread%20adoption%20of%20new%20technologies%2C,sufficiently%20developing%20and%20maintaining%20loyal%20customers." } }, { "slug": "seacoast-banking-corp-of-florida", "name": "Seacoast Banking Corp of Florida", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the widespread adoption of new technologies, including internet banking services, mobile banking services, cryptocurrencies and payment systems, and artificial intelligence, could require substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/730708/000073070825000045/sbcf-20241231.htm#:~:text=In%20addition%2C%20the%20widespread%20adoption%20of%20new%20technologies%2C,our%20products%20and%20services%2C%20reducing%20costs" } }, { "slug": "seacoast-banking-corp-of-florida", "name": "Seacoast Banking Corp of Florida", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the widespread adoption of new technologies, including internet banking services, mobile banking services, cryptocurrencies and payment systems, and artificial intelligence, could require substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm#:~:text=In%20addition%2C%20the%20widespread%20adoption%20of%20new%20technologies%2C,sufficiently%20developing%20and%20maintaining%20loyal%20customers." } }, { "slug": "security-federal-corp", "name": "Security Federal Corp", "state": "SC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "security-federal-corp", "name": "Security Federal Corp", "state": "SC", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "security-federal-corp", "name": "Security Federal Corp", "state": "SC", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "security-federal-corp", "name": "Security Federal Corp", "state": "SC", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "shore-bancshares-inc", "name": "Shore Bancshares Inc", "state": "MD", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "shore-bancshares-inc", "name": "Shore Bancshares Inc", "state": "MD", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "shore-bancshares-inc", "name": "Shore Bancshares Inc", "state": "MD", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Cybersecurity risks for banking organizations have significantly increased in recent years in part because of the proliferation of new technologies, including Artificial Intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.", "link": "https://www.sec.gov/Archives/edgar/data/1035092/000162828025011575/shbi-20241231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,telecommunications%20technologies%20to%20conduct%20financial%20transactions." } }, { "slug": "shore-bancshares-inc", "name": "Shore Bancshares Inc", "state": "MD", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Cybersecurity risks for banking organizations have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.", "link": "https://www.sec.gov/Archives/edgar/data/1035092/000103509226000014/shbi-20251231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,telecommunications%20technologies%20to%20conduct%20financial%20transactions." } }, { "slug": "sierra-bancorp", "name": "Sierra Bancorp", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "sierra-bancorp", "name": "Sierra Bancorp", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "sierra-bancorp", "name": "Sierra Bancorp", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk" ], "quote": { "quote": "While the Company does not deploy AI at this time for either customer or internal purposes, we continue to evaluate whether to implement AI in certain limited capacities", "link": "https://www.sec.gov/Archives/edgar/data/1130144/000155837025003207/bsrr-20241231x10ka.htm#:~:text=We%20are%20subject%20to%20risks%20associated%20with%20the,the%20potential%20for%20bias%2C%20and%20cybersecurity." } }, { "slug": "sierra-bancorp", "name": "Sierra Bancorp", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_agentic" ], "quote": { "quote": "the Company’s deployment of AI at this time is generally limited to fraud detection or prevention; we continue to evaluate whether to implement additional AI tools, or agentic AI, in certain limited capacities", "link": "https://www.sec.gov/Archives/edgar/data/1130144/000110465926021479/bsrr-20251231x10k.htm#:~:text=We%20are%20subject%20to%20risks%20associated%20with%20the,in%20certain%20limited%20capacities%2C%20taking%20into" } }, { "slug": "simmons-first-national-corp", "name": "Simmons First National Corp", "state": "AR", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "simmons-first-national-corp", "name": "Simmons First National Corp", "state": "AR", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "simmons-first-national-corp", "name": "Simmons First National Corp", "state": "AR", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "simmons-first-national-corp", "name": "Simmons First National Corp", "state": "AR", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "The use of artificial intelligence models developed by third parties introduces risks related to how those models are developed, trained, and deployed, including unauthorized material in training data and limited visibility into risk mitigation steps.", "link": "https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm#:~:text=Recently%2C%20the%20financial%20services%20industry%20has%20experienced%20rapid,otherwise%20adversely%20affect%20our%20financial%20results." } }, { "slug": "smartfinancial-inc", "name": "Smartfinancial Inc.", "state": "TN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "smartfinancial-inc", "name": "Smartfinancial Inc.", "state": "TN", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": true, "flags": [], "quote": null }, { "slug": "smartfinancial-inc", "name": "Smartfinancial Inc.", "state": "TN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "it is difficult or impossible to defend against every risk being posed by changing technologies, including artificial intelligence, as well as criminal intent on committing cyber-crime.", "link": "https://www.sec.gov/Archives/edgar/data/1038773/000155837025003135/smbk-20241231x10k.htm#:~:text=In%20addition%2C%20we%20provide%20our%20customers%20the%20ability,We%20may%20be%20required%20to%20spend" } }, { "slug": "smartfinancial-inc", "name": "Smartfinancial Inc.", "state": "TN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "it is difficult to defend against every risk posed by changing technologies, including artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1038773/000110465926028542/smbk-20251231x10k.htm#:~:text=In%20addition%2C%20we%20provide%20our%20customers%20the%20ability,adversely%20affect%20our%20reputation%2C%20results%20of" } }, { "slug": "south-plains-financial-inc", "name": "South Plains Financial, Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "south-plains-financial-inc", "name": "South Plains Financial, Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "south-plains-financial-inc", "name": "South Plains Financial, Inc.", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "south-plains-financial-inc", "name": "South Plains Financial, Inc.", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southern-first-bancshares-inc", "name": "Southern First Bancshares Inc", "state": "SC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southern-first-bancshares-inc", "name": "Southern First Bancshares Inc", "state": "SC", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southern-first-bancshares-inc", "name": "Southern First Bancshares Inc", "state": "SC", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI by us or our third-party vendors poses significant risks. The evolving legal and regulatory landscape—covering intellectual property, privacy, consumer protection, employment, and more—could force costly changes and heighten non-compliance risks.", "link": "https://www.sec.gov/Archives/edgar/data/1090009/000120677425000099/sfst4401651-10k.htm#:~:text=The%20development%20and%20use%20of%20AI%20by%20us,and%20adverse%20impacts%20on%20our%20business." } }, { "slug": "southern-first-bancshares-inc", "name": "Southern First Bancshares Inc", "state": "SC", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI by us or our third-party vendors poses significant risks. The evolving legal and regulatory landscape—covering intellectual property, privacy, consumer protection, employment, and more—could force costly changes and heighten non-compliance risks.", "link": "https://www.sec.gov/Archives/edgar/data/1090009/000120677426000084/sfst4554191-10k.htm#:~:text=The%20development%20and%20use%20of%20AI%20by%20us,and%20adverse%20impacts%20on%20our%20business." } }, { "slug": "southside-bancshares-inc", "name": "Southside Bancshares Inc", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southside-bancshares-inc", "name": "Southside Bancshares Inc", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services including those related to or involving artificial intelligence, machine learnings, blockchain and other distributed ledger technologies.", "link": "https://www.sec.gov/Archives/edgar/data/705432/000070543224000026/sbsi-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "southside-bancshares-inc", "name": "Southside Bancshares Inc", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Criminals are turning to new sources, including artificial intelligence, to steal personally identifiable information in order to impersonate our clients to commit fraud.", "link": "https://www.sec.gov/Archives/edgar/data/705432/000070543225000020/sbsi-20241231.htm#:~:text=In%20our%20ordinary%20course%20of%20business%2C%20we%20rely,to%20manage%20and%20maintain%20cybersecurity%20controls." } }, { "slug": "southside-bancshares-inc", "name": "Southside Bancshares Inc", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "frequent introductions of new technology-driven products and services including those related to or involving artificial intelligence, machine learnings, blockchain and other distributed ledger technologies", "link": "https://www.sec.gov/Archives/edgar/data/705432/000070543226000034/sbsi-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,technology%20increases%20efficiency%20and%20enables%20financial" } }, { "slug": "state-street-corp", "name": "State Street Corp", "state": "MA", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "All regulatory capital calculation models, including any artificial intelligence and machine learning models, must comply with the model risk management framework and corresponding policies.", "link": "https://www.sec.gov/Archives/edgar/data/93751/000009375123000489/stt-20221231.htm#:~:text=ERM%E2%80%99s%20MRM%20group%20is%20responsible%20for%20defining%20the,in%20the%20areas%20of%20model%20validation%2C" } }, { "slug": "state-street-corp", "name": "State Street Corp", "state": "MA", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "those related to digital assets and artificial intelligence, may impose costs on us, involve dependencies on third parties and may expose us to increased operational, model and other risks", "link": "https://www.sec.gov/Archives/edgar/data/93751/000009375124000498/stt-20231231.htm#:~:text=%E2%80%A2Our%20development%20and%20completion%20of%20new%20products%20and,increased%20operational%2C%20model%20and%20other%20risks%3B" } }, { "slug": "state-street-corp", "name": "State Street Corp", "state": "MA", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "new products and services, including State Street Alpha® and those related to wealth servicing, alternative investment management or digital assets or incorporating artificial intelligence, may impose costs on us, involve dependencies on third parties and may expose us to increased risks", "link": "https://www.sec.gov/Archives/edgar/data/93751/000009375125000111/stt-20241231.htm#:~:text=%E2%80%A2Our%20development%20and%20completion%20of%20new%20products%20and,may%20expose%20us%20to%20increased%20risks%3B" } }, { "slug": "state-street-corp", "name": "State Street Corp", "state": "MA", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "new products and services, including State Street Alpha® and those related to wealth servicing, alternative investment management or digital assets or incorporating artificial intelligence, may impose costs on us, involve dependencies on third parties and may expose us to increased risks", "link": "https://www.sec.gov/Archives/edgar/data/93751/000009375126000124/stt-20251231.htm#:~:text=%E2%80%A2Our%20development%20and%20completion%20of%20new%20products%20and,may%20expose%20us%20to%20increased%20risks%3B" } }, { "slug": "steele-bancorp-inc", "name": "Steele Bancorp Inc", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "implementation of new technologies, such as artificial intelligence, may have unintended consequences due to their limitations or the Company's failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/779227/000143774926010240/miff20251231_10k.htm#:~:text=To%20conduct%20the%20Company%E2%80%99s%20business%2C%20it%20relies%20heavily,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "summit-financial-group-inc", "name": "Summit Financial Group, Inc.", "state": "WV", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "summit-financial-group-inc", "name": "Summit Financial Group, Inc.", "state": "WV", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "svb-financial-group", "name": "SVB Financial Group", "state": "TX", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "synovus-financial-corp", "name": "Synovus Financial Corp", "state": "GA", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "synovus-financial-corp", "name": "Synovus Financial Corp", "state": "GA", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "investing in the bank of the future through automation, artificial intelligence, digital, and analytics", "link": "https://www.sec.gov/Archives/edgar/data/18349/000001834924000053/syn-20231231.htm#:~:text=In%20the%20current%20competitive%20banking%20environment%2C%20overall%20revenue,Synovus%20Bank%20product%20and%20service%20offerings." } }, { "slug": "synovus-financial-corp", "name": "Synovus Financial Corp", "state": "GA", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "investing in the bank of the future through automation, artificial intelligence, digital applications, and analytics", "link": "https://www.sec.gov/Archives/edgar/data/18349/000001834925000049/syn-20241231.htm#:~:text=In%20the%20current%20competitive%20banking%20environment%2C%20overall%20revenue,Synovus%20Bank%20product%20and%20service%20offerings." } }, { "slug": "santander-holdings-usa-inc", "name": "Santander Holdings USA, Inc.", "state": "MA", "year": 2022, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the widespread adoption of new technologies, including distributed ledger, artificial intelligence, and/or biometrics, to provide services such as cryptocurrencies and payments, could require substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/811830/000081183023000005/sov-20221231.htm#:~:text=New%20competitors%20may%20enter%20the%20market%20or%20existing,adverse%20effect%20on%20our%20competitive%20position." } }, { "slug": "santander-holdings-usa-inc", "name": "Santander Holdings USA, Inc.", "state": "MA", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the widespread adoption of new technologies, including distributed ledger, artificial intelligence, and/or biometrics, to provide services such as cryptocurrencies and payments, could require substantial expenditures to modify or adapt our existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/811830/000081183024000010/sov-20231231.htm#:~:text=New%20competitors%20may%20enter%20the%20market%20or%20existing,adverse%20effect%20on%20our%20competitive%20position." } }, { "slug": "santander-holdings-usa-inc", "name": "Santander Holdings USA, Inc.", "state": "MA", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We utilize, and are continuing to explore further uses of, AI in connection with our businesses, products and services. However, regulation of AI is evolving rapidly as legislators and regulators are increasingly focused on these emerging technologies.", "link": "https://www.sec.gov/Archives/edgar/data/811830/000081183025000012/sov-20241231.htm#:~:text=We%20utilize%2C%20and%20are%20continuing%20to%20explore%20further,are%20considering%20legal%20frameworks%20for%20AI." } }, { "slug": "santander-holdings-usa-inc", "name": "Santander Holdings USA, Inc.", "state": "MA", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We utilize AI and continue to explore additional uses of AI in connection with our businesses, products and services. However, AI solutions, such as those provided by third parties, may expose us to risks including, without limitation, inadequacies in the AI service that results in false or", "link": "https://www.sec.gov/Archives/edgar/data/811830/000081183026000005/sov-20251231.htm#:~:text=%E2%80%A2We%20use%20AI%2C%20which%20could%20expose%20us%20to,reputational%20harm%20and%20other%20adverse%20impacts." } }, { "slug": "seneca-bancorp-inc", "name": "Seneca Bancorp, Inc.", "state": "NY", "year": 2025, "size_group": "Under $1B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "new technologies, including artificial intelligence, are increasingly leveraged by threat actors", "link": "https://www.sec.gov/Archives/edgar/data/2072421/000110465926036813/snnf-20251231x10k.htm#:~:text=To%20date%2C%20the%20Company%20has%20not%20experienced%20any,practices%20and%20enhance%20its%20security%20posture." } }, { "slug": "servisfirst-bancshares-inc", "name": "ServisFirst Bancshares, Inc.", "state": "AL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "servisfirst-bancshares-inc", "name": "ServisFirst Bancshares, Inc.", "state": "AL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "servisfirst-bancshares-inc", "name": "ServisFirst Bancshares, Inc.", "state": "AL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The banking and financial services industries are undergoing rapid technological changes, with frequent introductions of new technology-driven products and services, including those of artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1430723/000117184325001208/sfbs20241231_10k.htm#:~:text=The%20banking%20and%20financial%20services%20industries%20are%20undergoing,adverse%20effect%20on%20our%20net%20income." } }, { "slug": "servisfirst-bancshares-inc", "name": "ServisFirst Bancshares, Inc.", "state": "AL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The banking and financial services industries are undergoing rapid technological changes, with frequent introductions of new technology-driven products and services, including those of artificial intelligence.", "link": "https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm#:~:text=The%20banking%20and%20financial%20services%20industries%20are%20undergoing,compete%20or%20increase%20our%20overall%20expenses." } }, { "slug": "skyline-bankshares-inc", "name": "Skyline Bankshares, Inc.", "state": "VA", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "skyline-bankshares-inc", "name": "Skyline Bankshares, Inc.", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "skyline-bankshares-inc", "name": "Skyline Bankshares, Inc.", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "skyline-bankshares-inc", "name": "Skyline Bankshares, Inc.", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the widespread adoption and rapid evolution of emerging technologies in the financial services industry, including artificial intelligence, cryptocurrencies (including stablecoins and meme coins), tokens, and other digital assets could negatively impact our ability to compete.", "link": "https://www.sec.gov/Archives/edgar/data/1657642/000143774926009154/pkkw20251231_10k.htm#:~:text=We%20face%20vigorous%20competition%20from%20other%20banks%20and,results%20of%20operations%20and%20financial%20condition." } }, { "slug": "southstate-bank-corp", "name": "SouthState Bank Corp", "state": "FL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southstate-bank-corp", "name": "SouthState Bank Corp", "state": "FL", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we are making focused investments in automation and other technology solutions to improve both our customer facing and back-office services and have strategically introduced artificial intelligence tools for internal efficiencies", "link": "https://www.sec.gov/Archives/edgar/data/764038/000155837024002302/ssb-20231231x10k.htm#:~:text=In%20addition%20to%20serving%20clients%20better%2C%20investments%20in%2C,attract%20new%20customers%20in%20the%20future." } }, { "slug": "southstate-bank-corp", "name": "SouthState Bank Corp", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we are making focused investments in automation and other technology solutions to improve both our customer facing and back-office services and have strategically introduced artificial intelligence tools for internal efficiencies", "link": "https://www.sec.gov/Archives/edgar/data/764038/000155837025001274/ssb-20241231x10k.htm#:~:text=In%20addition%20to%20serving%20clients%20better%2C%20investments%20in%2C,attract%20new%20customers%20in%20the%20future." } }, { "slug": "southstate-bank-corp", "name": "SouthState Bank Corp", "state": "FL", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We have adopted a formal AI Strategy and are making focused investments in AI tools and automation and other technology solutions to improve both our customer facing and back-office services for internal efficiencies", "link": "https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm#:~:text=In%20addition%20to%20serving%20clients%20better%2C%20investments%20in%2C,attract%20new%20customers%20in%20the%20future." } }, { "slug": "southern-states-bancshares-inc", "name": "Southern States Bancshares, Inc.", "state": "AL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southern-states-bancshares-inc", "name": "Southern States Bancshares, Inc.", "state": "AL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "southern-states-bancshares-inc", "name": "Southern States Bancshares, Inc.", "state": "AL", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "stellar-bancorp-inc", "name": "Stellar Bancorp, Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "stellar-bancorp-inc", "name": "Stellar Bancorp, Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges as we implement new products and technology enhancements ,such as artificial intelligence, automation and algorithms in our business processes, which could result in unintended consequences due to their limitations or our failure to use them effectively", "link": "https://www.sec.gov/Archives/edgar/data/1473844/000147384424000010/stel-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20changing%20rapidly%2C%20and,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "stellar-bancorp-inc", "name": "Stellar Bancorp, Inc.", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges as we implement new products and technology enhancements, such as artificial intelligence, automation and algorithms in our business processes, which could result in unintended consequences due to their limitations or our failure to use them effectively", "link": "https://www.sec.gov/Archives/edgar/data/1473844/000147384425000014/stel-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20changing%20rapidly%2C%20and,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "stellar-bancorp-inc", "name": "Stellar Bancorp, Inc.", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We may experience operational challenges as we implement new products and technology enhancements, such as artificial intelligence, automation and algorithms in our business processes, which could result in unintended consequences due to their limitations or our failure to use them effectively", "link": "https://www.sec.gov/Archives/edgar/data/1473844/000147384426000006/stel-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20changing%20rapidly%2C%20and,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "stock-yards-bancorp-inc", "name": "Stock Yards Bancorp, Inc.", "state": "KY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "stock-yards-bancorp-inc", "name": "Stock Yards Bancorp, Inc.", "state": "KY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "stock-yards-bancorp-inc", "name": "Stock Yards Bancorp, Inc.", "state": "KY", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "stock-yards-bancorp-inc", "name": "Stock Yards Bancorp, Inc.", "state": "KY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "While we have established programs to manage our increasing exposure to AI, including processes for monitoring related risks, managing third party relationships, incident response, as well as employee awareness and education", "link": "https://www.sec.gov/Archives/edgar/data/835324/000143774926005830/sybt20251231_10k.htm#:~:text=We%2C%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "synchrony-financial", "name": "Synchrony Financial", "state": "CT", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning" ], "quote": { "quote": "This closed loop learning process uses a set of analytics tools and machine learning algorithms to read and react to the customer’s response to these treatments.", "link": "https://www.sec.gov/Archives/edgar/data/1601712/000160171223000037/syf-20221231.htm#:~:text=Our%20analytics%20teams%20help%20us%20expand%20and%20optimize,share%20of%20wallet%2C%20and%20program%20profitability." } }, { "slug": "synchrony-financial", "name": "Synchrony Financial", "state": "CT", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Our analytics teams, utilizing a set of analytics tools and machine learning algorithms, help us expand and optimize customer relationships through the building of targeting tools and the deployment of detailed test-and-learn tracking of omnichannel marketing campaigns.", "link": "https://www.sec.gov/Archives/edgar/data/1601712/000160171224000047/syf-20231231.htm#:~:text=Our%20analytics%20teams%2C%20utilizing%20a%20set%20of%20analytics,test%2Dand%2Dlearn%20tracking%20of%20omnichannel%20marketing%20campaigns." } }, { "slug": "synchrony-financial", "name": "Synchrony Financial", "state": "CT", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "utilizing a comprehensive set of tools and machine learning algorithms, often tailored to the portfolio or product, focused on expanding and optimizing customer relationships", "link": "https://www.sec.gov/Archives/edgar/data/1601712/000160171225000044/syf-20241231.htm#:~:text=Our%20partners%20leverage%20our%20expertise%20in%20financial%20services,on%20expanding%20and%20optimizing%20customer%20relationships." } }, { "slug": "synchrony-financial", "name": "Synchrony Financial", "state": "CT", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "utilizing a comprehensive set of marketing technology tools and machine learning algorithms, often tailored to the portfolio or product, focused on expanding and optimizing customer relationships through data-led personalization capabilities", "link": "https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm#:~:text=Our%20partners%20leverage%20our%20expertise%20in%20financial%20services,customer%20relationships%20through%20data%2Dled%20personalization%20capabilities." } }, { "slug": "texas-capital-bancshares-inc-tx", "name": "Texas Capital Bancshares Inc", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "texas-capital-bancshares-inc-tx", "name": "Texas Capital Bancshares Inc", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "texas-capital-bancshares-inc-tx", "name": "Texas Capital Bancshares Inc", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The development and use of AI presents risks and challenges that may adversely impact the Company’s business.", "link": "https://www.sec.gov/Archives/edgar/data/1077428/000107742825000036/tcbi-20241231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20AI%20presents%20risks,may%20adversely%20impact%20the%20Company%E2%80%99s%20business." } }, { "slug": "texas-capital-bancshares-inc-tx", "name": "Texas Capital Bancshares Inc", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the Company may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models", "link": "https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm#:~:text=monitoring%20the%20capabilities%20of%20the%20AI%20models%2C%20reducing,the%20effectiveness%20of%20its%20security%20measures." } }, { "slug": "tompkins-financial-corp", "name": "Tompkins Financial Corp", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "tompkins-financial-corp", "name": "Tompkins Financial Corp", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "tompkins-financial-corp", "name": "Tompkins Financial Corp", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The implementation and use of new and evolving Artificial Intelligence (\"AI\") technologies present uncertainties and challenges.", "link": "https://www.sec.gov/Archives/edgar/data/1005817/000100581725000006/tmp-20241231.htm#:~:text=The%20implementation%20and%20use%20of%20new%20and%20evolving%20Artificial%20Intelligence%20%28%22AI%22%29%20technologies%20present%20uncertainties%20and%20challenges." } }, { "slug": "tompkins-financial-corp", "name": "Tompkins Financial Corp", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The implementation and use of new and evolving Artificial Intelligence (\"AI\") technologies present uncertainties and challenges.", "link": "https://www.sec.gov/Archives/edgar/data/1005817/000100581726000027/tmp-20251231.htm#:~:text=The%20implementation%20and%20use%20of%20new%20and%20evolving%20Artificial%20Intelligence%20%28%22AI%22%29%20technologies%20present%20uncertainties%20and%20challenges." } }, { "slug": "trico-bancshares", "name": "Trico Bancshares /", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "trico-bancshares", "name": "Trico Bancshares /", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence (\"AI\"), automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/356171/000035617124000012/tcbk-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "trico-bancshares", "name": "Trico Bancshares /", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "New lines of business, products or services and technological advancements, like artificial intelligence, may subject us to additional risks.", "link": "https://www.sec.gov/Archives/edgar/data/356171/000035617125000012/tcbk-20241231.htm#:~:text=New%20lines%20of%20business%2C%20products%20or%20services%20and,may%20subject%20us%20to%20additional%20risks." } }, { "slug": "trico-bancshares", "name": "Trico Bancshares /", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "our implementation of certain new technologies, such as those related to artificial intelligence (\"AI\"), automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/356171/000035617126000010/tcbk-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,Failure%20to%20successfully%20keep%20pace%20with" } }, { "slug": "truist-financial-corp", "name": "Truist Financial Corp", "state": "NC", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "truist-financial-corp", "name": "Truist Financial Corp", "state": "NC", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Truist has invested in technology to automate functions previously performed manually, to facilitate the ability of clients to engage in financial transactions and otherwise to enhance the client experience", "link": "https://www.sec.gov/Archives/edgar/data/92230/000009223024000010/tfc-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,to%20the%20Company%E2%80%99s%20products%20and%20services." } }, { "slug": "truist-financial-corp", "name": "Truist Financial Corp", "state": "NC", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Truist has invested in technology to automate functions previously performed manually, to facilitate the ability of clients to engage in financial transactions and otherwise to enhance the client experience", "link": "https://www.sec.gov/Archives/edgar/data/92230/000009223025000020/tfc-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,to%20the%20Company%E2%80%99s%20products%20and%20services." } }, { "slug": "truist-financial-corp", "name": "Truist Financial Corp", "state": "NC", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "Truist has invested in technology to automate functions previously performed manually, to facilitate the ability of clients to engage in financial transactions, and otherwise to enhance the client experience", "link": "https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,an%20adverse%20effect%20on%20Truist%E2%80%99s%20business." } }, { "slug": "trustco-bank-corp-n-y", "name": "TrustCo Bank Corp NY", "state": "NY", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "trustco-bank-corp-n-y", "name": "TrustCo Bank Corp NY", "state": "NY", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "trustco-bank-corp-n-y", "name": "TrustCo Bank Corp NY", "state": "NY", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We are also exposed to risks arising from the use of AI technologies by bad actors to commit fraud and misappropriate funds and to facilitate cyberattacks.", "link": "https://www.sec.gov/Archives/edgar/data/357301/000114036125008827/ef20039040_10k.htm#:~:text=We%20are%20also%20exposed%20to%20risks%20arising%20from,pose%20a%20threat%20to%20financial%20stability." } }, { "slug": "trustco-bank-corp-n-y", "name": "TrustCo Bank Corp NY", "state": "NY", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We are also exposed to risks arising from the use of AI technologies by bad actors to commit fraud and misappropriate funds and to facilitate cyberattacks. Generative AI, if used to perpetrate fraud or launch cyberattacks, could create panic at a particular financial institution", "link": "https://www.sec.gov/Archives/edgar/data/357301/000114036126009576/ef20039040_10k.htm#:~:text=We%20are%20also%20exposed%20to%20risks%20arising%20from,pose%20a%20threat%20to%20financial%20stability." } }, { "slug": "trustmark-corp", "name": "Trustmark Corp", "state": "MS", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "trustmark-corp", "name": "Trustmark Corp", "state": "MS", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "trustmark-corp", "name": "Trustmark Corp", "state": "MS", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "trustmark-corp", "name": "Trustmark Corp", "state": "MS", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [], "quote": { "quote": "strong performance in the technology and artificial intelligence (AI) sectors", "link": "https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm#:~:text=Economic%20activity%20improved%20slightly%20during%202025%2C%20but%20was,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "tectonic-financial-inc", "name": "Tectonic Financial, Inc.", "state": "TX", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "tectonic-financial-inc", "name": "Tectonic Financial, Inc.", "state": "TX", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "tectonic-financial-inc", "name": "Tectonic Financial, Inc.", "state": "TX", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "tri-county-financial-group-inc", "name": "Tri-County Financial Group, Inc.", "state": "IL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Artificial intelligence algorithms may be flawed, for example datasets may contain biased information or otherwise be insufficient, and inappropriate or controversial data practices could impair the acceptance of artificial intelligence solutions", "link": "https://www.sec.gov/Archives/edgar/data/1725262/000149315226009243/form10-k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,developed%20by%20the%20Company%E2%80%99s%20third%2Dparty%20partners." } }, { "slug": "triumph-financial-inc", "name": "Triumph Financial, Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "triumph-financial-inc", "name": "Triumph Financial, Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "triumph-financial-inc", "name": "Triumph Financial, Inc.", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "describes_plans", "using_or_planning", "lists_ai_risk", "concrete_detail", "risk_without_governance" ], "quote": { "quote": "In 2024, we launched our instant purchase decision model to augment and add efficiencies to invoice purchase underwriting in our factoring business. This model uses machine learning and artificial intelligence, based on a rule set established by our risk model that we have developed over our", "link": "https://www.sec.gov/Archives/edgar/data/1539638/000162828025004879/tfin-20241231.htm#:~:text=Our%20transportation%20payments%20products%20%28i.e.%2C%20factoring%20and%20TriumphPay%29,we%20analyze%20to%20determine%20credit%20risk." } }, { "slug": "triumph-financial-inc", "name": "Triumph Financial, Inc.", "state": "TX", "year": 2025, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "describes_plans", "using_or_planning", "lists_ai_risk", "names_ai_company", "concrete_detail", "risk_without_governance" ], "quote": { "quote": "we acquired Greenscreens AI. Inc., a pricing solution for the logistics industry that delivers short-term freight market pricing intelligence and business insights, which further augmented the product and service offerings of our Intelligence division.", "link": "https://www.sec.gov/Archives/edgar/data/1539638/000153963826000007/tfin-20251231.htm#:~:text=Our%20data%20intelligence%20division%2C%20which%20we%20call%20Intelligence%2C,unique%20processes%20and%20key%20performance%20indicators." } }, { "slug": "umb-financial-corp", "name": "Umb Financial Corp", "state": "MO", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "umb-financial-corp", "name": "Umb Financial Corp", "state": "MO", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "to the extent these initiatives may implicate new technologies or solutions such as those related to artificial intelligence or automation, additional risk may be present.", "link": "https://www.sec.gov/Archives/edgar/data/101382/000095017024018456/umbf-20231231.htm#:~:text=The%20Company%20is%20heavily%20reliant%20on%20technology%2C%20and,or%20performance%20could%20be%20negatively%20impacted." } }, { "slug": "umb-financial-corp", "name": "Umb Financial Corp", "state": "MO", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "to the extent these initiatives may implicate new technologies or solutions such as those related to artificial intelligence or automation, additional risk may be present.", "link": "https://www.sec.gov/Archives/edgar/data/101382/000095017025028420/umbf-20241231.htm#:~:text=The%20Company%20is%20heavily%20reliant%20on%20technology%2C%20and,or%20performance%20could%20be%20negatively%20impacted." } }, { "slug": "umb-financial-corp", "name": "Umb Financial Corp", "state": "MO", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "The Company has also established a Technology, Operations, Privacy and Security Committee (TOPS) to oversee the business continuity and resilience, corporate security, fraud, information security, privacy, information technology, and third-party risk management (including emerging technology (e.g.,", "link": "https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm#:~:text=The%20CISO%2FCPO%20has%20more%20than%20two%20decades%20of,of%20leaders%20experienced%20in%20managing%20risk." } }, { "slug": "union-bankshares-inc", "name": "Union Bankshares Inc", "state": "VT", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "union-bankshares-inc", "name": "Union Bankshares Inc", "state": "VT", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "union-bankshares-inc", "name": "Union Bankshares Inc", "state": "VT", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "union-bankshares-inc", "name": "Union Bankshares Inc", "state": "VT", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_deployment", "describes_plans", "using_or_planning", "describes_governance", "lists_ai_risk" ], "quote": { "quote": "We are piloting and selectively using artificial intelligence and machine learning technologies in limited, primarily internal functions, which exposes us to operational, regulatory, and reputational risks that could adversely affect our business.", "link": "https://www.sec.gov/Archives/edgar/data/706863/000070686326000029/unb-20251231.htm#:~:text=We%20are%20piloting%20and%20selectively%20using%20artificial%20intelligence,that%20could%20adversely%20affect%20our%20business." } }, { "slug": "united-bancorp-inc-oh", "name": "United Bancorp Inc", "state": "OH", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-bancorp-inc-oh", "name": "United Bancorp Inc", "state": "OH", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-bancorp-inc-oh", "name": "United Bancorp Inc", "state": "OH", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-bancorp-inc-oh", "name": "United Bancorp Inc", "state": "OH", "year": 2025, "size_group": "Under $1B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "we also began implementing an artificial intelligence (AI) solution designed to better serve customers by answering inquiries more effectively, guiding customers to the best financial solutions, and supporting more modern, customer-centric delivery", "link": "https://www.sec.gov/Archives/edgar/data/731653/000110465926030899/ubcp-20251231xex13.htm#:~:text=%C2%B7%20Technology%2C%20Digital%20Transformation%2C%20and%20Omni%2DChannel%20Delivery%3A%20We,and%20supporting%20more%20modern%2C%20customer%2Dcentric%20delivery." } }, { "slug": "united-bancshares-inc-oh", "name": "United Bancshares Inc", "state": "OH", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-bankshares-inc-wv", "name": "United Bankshares Inc", "state": "WV", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-bankshares-inc-wv", "name": "United Bankshares Inc", "state": "WV", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-bankshares-inc-wv", "name": "United Bankshares Inc", "state": "WV", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Information security risks for financial institutions like us have increased recently in part because of new technologies, such as artificial intelligence and quantum computing", "link": "https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm#:~:text=Like%20other%20U.S.%20financial%20services%20companies%2C%20United%20has,and%20malware%20designed%20to%20avoid%20detection." } }, { "slug": "united-bankshares-inc-wv", "name": "United Bankshares Inc", "state": "WV", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "new technologies, such as artificial intelligence and quantum computing, the use of the internet and telecommunications technologies (including mobile devices) to conduct financial and other business transactions", "link": "https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm#:~:text=Information%20security%20risks%20for%20financial%20institutions%20like%20us,and%20malware%20designed%20to%20avoid%20detection." } }, { "slug": "united-community-banks-inc", "name": "United Community Banks Inc", "state": "SC", "year": 2022, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "companies which claim to offer applications and services based on artificial intelligence are beginning to compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as financial planning and wealth management.", "link": "https://www.sec.gov/Archives/edgar/data/857855/000085785523000005/ucbi-20221231.htm#:~:text=A%20number%20of%20recent%20technologies%20have%20worked%20with,banks%20as%20secure%20deposit%2Dkeepers%20and%20intermediaries." } }, { "slug": "united-community-banks-inc", "name": "United Community Banks Inc", "state": "SC", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence and quantum computing could exacerbate many of these risks.", "link": "https://www.sec.gov/Archives/edgar/data/857855/000085785524000010/ucbi-20231231.htm#:~:text=Deposit%20and%20loan%20fraud%20continue%20to%20be%20major,a%20major%20loss%20cannot%20be%20eliminated." } }, { "slug": "united-community-banks-inc", "name": "United Community Banks Inc", "state": "SC", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence and quantum computing could exacerbate many of these risks.", "link": "https://www.sec.gov/Archives/edgar/data/857855/000085785525000057/ucbi-20241231.htm#:~:text=Deposit%20and%20loan%20fraud%20continue%20to%20be%20major,a%20major%20loss%20cannot%20be%20eliminated." } }, { "slug": "united-community-banks-inc", "name": "United Community Banks Inc", "state": "SC", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the use of artificial intelligence and quantum computing could exacerbate many of these risks", "link": "https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm#:~:text=Deposit%20and%20loan%20fraud%20continue%20to%20be%20major,a%20major%20loss%20cannot%20be%20eliminated." } }, { "slug": "united-security-bancshares", "name": "United Security Bancshares", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-security-bancshares", "name": "United Security Bancshares", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-security-bancshares", "name": "United Security Bancshares", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "united-security-bancshares", "name": "United Security Bancshares", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": true, "new_this_year": true, "flags": [], "quote": null }, { "slug": "unity-bancorp-inc-nj", "name": "Unity Bancorp Inc", "state": "NJ", "year": 2022, "size_group": "$1B to $50B", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "names_ai_company", "concrete_detail" ], "quote": { "quote": "Upgrade is a financial technology company that utilizes artificial intelligence to underwrite personal loans and credit card installment loans to retail customers, in addition to credit monitoring and education tools.", "link": "https://www.sec.gov/Archives/edgar/data/920427/000092042723000015/unty-20221231x10k.htm#:~:text=In%202021%2C%20the%20Company%20enrolled%20in%20the%20%E2%80%9CUpgrade,to%20credit%20monitoring%20and%20education%20tools." } }, { "slug": "unity-bancorp-inc-nj", "name": "Unity Bancorp Inc", "state": "NJ", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Due to the rise of AI, technological advances are occurring in the industry at an unprecedented pace. To develop these and other new technologies and protect against cyber security threats, the Company will likely have to make additional capital investments.", "link": "https://www.sec.gov/Archives/edgar/data/920427/000092042724000013/unty-20231231x10k.htm#:~:text=The%20Company%E2%80%99s%20ability%20to%20compete%20successfully%20in%20the,to%20remain%20competitive%20in%20the%20future." } }, { "slug": "unity-bancorp-inc-nj", "name": "Unity Bancorp Inc", "state": "NJ", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Due to the rise of AI, technological advances are occurring in the industry at an unprecedented pace. To develop these and other new technologies and protect against cyber security threats, the Company will likely have to make additional capital investments.", "link": "https://www.sec.gov/Archives/edgar/data/920427/000092042725000016/unty-20241231x10k.htm#:~:text=The%20Company%E2%80%99s%20ability%20to%20compete%20successfully%20in%20the,to%20remain%20competitive%20in%20the%20future." } }, { "slug": "unity-bancorp-inc-nj", "name": "Unity Bancorp Inc", "state": "NJ", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We use, and expect to continue to expand our use of, artificial intelligence and machine learning technologies, including generative artificial intelligence models, in our operations and through third-party vendors.", "link": "https://www.sec.gov/Archives/edgar/data/920427/000092042726000012/unty-20251231x10k.htm#:~:text=We%20use%2C%20and%20expect%20to%20continue%20to%20expand,consumer%20protection%20and%20fair%20lending%20requirements." } }, { "slug": "univest-financial-corp", "name": "UNIVEST FINANCIAL Corp", "state": "PA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "univest-financial-corp", "name": "UNIVEST FINANCIAL Corp", "state": "PA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "univest-financial-corp", "name": "UNIVEST FINANCIAL Corp", "state": "PA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "univest-financial-corp", "name": "UNIVEST FINANCIAL Corp", "state": "PA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "describes_governance", "lists_ai_risk" ], "quote": { "quote": "We utilize certain AI/ML models provided by third-party vendors, including models used for credit scoring and fraud detection, and may use other AI/ML models in the future.", "link": "https://www.sec.gov/Archives/edgar/data/102212/000010221226000012/uvsp-20251231.htm#:~:text=%E2%80%A2Operational%20and%20Model%20Risk%3A%20AI%2FML%20models%20may%20rely,other%20AI%2FML%20models%20in%20the%20future." } }, { "slug": "us-bancorp-de", "name": "U.S. Bancorp", "state": "MN", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "us-bancorp-de", "name": "U.S. Bancorp", "state": "MN", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The Company's use of AI and machine learning is subject to risks that algorithms and datasets are flawed or may be insufficient or contain biased information.", "link": "https://www.sec.gov/Archives/edgar/data/36104/000003610424000018/usb-20231231_d2.htm#:~:text=technologies%2C%20including%20AI%20and%20machine%20learning%2C%20to%20help,financial%20condition%20and%20results%20of%20operations." } }, { "slug": "us-bancorp-de", "name": "U.S. Bancorp", "state": "MN", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "the Company uses new and evolving technologies, including AI and machine learning, to help improve its customer service, marketing, and products, to increase productivity for internal code development and testing, and to automate certain business decisions and risk management practices, such as", "link": "https://www.sec.gov/Archives/edgar/data/36104/000003610425000016/usb-20241231_d2.htm#:~:text=The%20use%20of%20new%20technologies%2C%20including%20AI%20and,exposure%20to%20legal%20or%20regulatory%20proceedings." } }, { "slug": "us-bancorp-de", "name": "U.S. Bancorp", "state": "MN", "year": 2025, "size_group": "$50B and above", "max_detail": 3, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai", "concrete_detail" ], "quote": { "quote": "The Company also launched an “AI Essentials Channel” on Skills Academy, which is designed to help team members build skills in effectively using Company-approved artificial intelligence tools in their daily work.", "link": "https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm#:~:text=As%20part%20of%20its%20talent%20strategy%2C%20the%20Company,development%20and%20customer%20and%20business%20needs." } }, { "slug": "uscb-financial-holdings-inc", "name": "Uscb Financial Holdings, Inc.", "state": "FL", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "uscb-financial-holdings-inc", "name": "Uscb Financial Holdings, Inc.", "state": "FL", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "uscb-financial-holdings-inc", "name": "Uscb Financial Holdings, Inc.", "state": "FL", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "on AI, and integration challenges with existing", "link": "https://www.sec.gov/Archives/edgar/data/1901637/000156276225000043/uscb-20241231.htm#:~:text=on%20AI%2C%20and%20integration%20challenges%20with%20existing" } }, { "slug": "uscb-financial-holdings-inc", "name": "Uscb Financial Holdings, Inc.", "state": "FL", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "on AI, and integration challenges with existing", "link": "https://www.sec.gov/Archives/edgar/data/1901637/000156276226000027/uscb-20251231.htm#:~:text=on%20AI%2C%20and%20integration%20challenges%20with%20existing" } }, { "slug": "uwharrie-capital-corp", "name": "Uwharrie Capital Corp", "state": "NC", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "uwharrie-capital-corp", "name": "Uwharrie Capital Corp", "state": "NC", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "uwharrie-capital-corp", "name": "Uwharrie Capital Corp", "state": "NC", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "uwharrie-capital-corp", "name": "Uwharrie Capital Corp", "state": "NC", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "valley-national-bancorp", "name": "Valley National Bancorp", "state": "NY", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "valley-national-bancorp", "name": "Valley National Bancorp", "state": "NY", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Cybersecurity risks have increased because of the proliferation of new technologies, including artificial intelligence, and the increased sophistication and activities of threat actors", "link": "https://www.sec.gov/Archives/edgar/data/714310/000071431024000065/vly-20231231.htm#:~:text=Valley%20regularly%20collects%2C%20transmits%2C%20stores%20and%20otherwise%20processes,external%20parties.%20Many%20financial%20institutions%20and" } }, { "slug": "valley-national-bancorp", "name": "Valley National Bancorp", "state": "NY", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "There are significant risks involved in utilizing AI, and we cannot assure that our or our third-party vendors’ or service providers’ use of AI will enhance our or our third-party vendors’ or service providers’ products or services or produce the intended results.", "link": "https://www.sec.gov/Archives/edgar/data/714310/000071431025000068/vly-20241231.htm#:~:text=We%20have%20made%2C%20and%20expect%20to%20continue%20to,and%20the%20acceptance%20of%20AI%20solutions." } }, { "slug": "valley-national-bancorp", "name": "Valley National Bancorp", "state": "NY", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai", "mentions_agentic" ], "quote": { "quote": "We have made, and expect to continue to make investments to integrate artificial intelligence tools into our solutions, including generative artificial intelligence, machine learning, agentic artificial intelligence and similar tools and technologies", "link": "https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm#:~:text=We%20have%20made%2C%20and%20expect%20to%20continue%20to,are%20able%20to%20do%20so%20independently." } }, { "slug": "veritex-holdings-inc", "name": "Veritex Holdings, Inc.", "state": "TX", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "veritex-holdings-inc", "name": "Veritex Holdings, Inc.", "state": "TX", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "veritex-holdings-inc", "name": "Veritex Holdings, Inc.", "state": "TX", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "We have a continuing need for technological change and may not have the resources to effectively implement new technology, such as artificial intelligence (\"AI\"), or may experience operational challenges when implementing new technology.", "link": "https://www.sec.gov/Archives/edgar/data/1501570/000150157025000039/vbtx-20241231.htm#:~:text=%E2%80%A2We%20have%20a%20continuing%20need%20for%20technological%20change,operational%20challenges%20when%20implementing%20new%20technology." } }, { "slug": "village-bank-and-trust-financial-corp", "name": "Village Bank & Trust Financial Corp.", "state": "VA", "year": 2022, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "village-bank-and-trust-financial-corp", "name": "Village Bank & Trust Financial Corp.", "state": "VA", "year": 2023, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "village-bank-and-trust-financial-corp", "name": "Village Bank & Trust Financial Corp.", "state": "VA", "year": 2024, "size_group": "Under $1B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "virginia-national-bankshares-corp", "name": "Virginia National Bankshares Corp", "state": "VA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "virginia-national-bankshares-corp", "name": "Virginia National Bankshares Corp", "state": "VA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "virginia-national-bankshares-corp", "name": "Virginia National Bankshares Corp", "state": "VA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "virginia-national-bankshares-corp", "name": "Virginia National Bankshares Corp", "state": "VA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "States have also started to regulate the use of artificial intelligence technologies.", "link": "https://www.sec.gov/Archives/edgar/data/1572334/000119312526128416/vabk-20251231.htm#:~:text=Artificial%20Intelligence.%20The%20CFPB%20and%20other%20federal%20regulatory,valuation%20models%20comply%20with%20nondiscrimination%20laws." } }, { "slug": "wafd-inc", "name": "Wafd Inc", "state": "WA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "wafd-inc", "name": "Wafd Inc", "state": "WA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "risk associated with the development and use of artificial intelligence;", "link": "https://www.sec.gov/Archives/edgar/data/936528/000093652824000164/wfsl-20240930.htm#:~:text=%E2%80%A2risk%20associated%20with%20the%20development%20and%20use%20of%20artificial%20intelligence%3B" } }, { "slug": "wafd-inc", "name": "Wafd Inc", "state": "WA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "risks associated with the development and use of artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm#:~:text=%E2%80%A2risks%20associated%20with%20the%20development%20and%20use%20of%20artificial%20intelligence%3B" } }, { "slug": "washington-trust-bancorp-inc", "name": "Washington Trust Bancorp Inc", "state": "RI", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "washington-trust-bancorp-inc", "name": "Washington Trust Bancorp Inc", "state": "RI", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/737468/000073746824000012/wash-20231231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,effect%20on%20our%20business%20and%20reputation." } }, { "slug": "washington-trust-bancorp-inc", "name": "Washington Trust Bancorp Inc", "state": "RI", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.", "link": "https://www.sec.gov/Archives/edgar/data/737468/000073746825000007/wash-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,effect%20on%20our%20business%20and%20reputation." } }, { "slug": "washington-trust-bancorp-inc", "name": "Washington Trust Bancorp Inc", "state": "RI", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "emerging technologies, including artificial intelligence, which may be used to enhance the tactics, techniques, and procedures described above and facilitate new cyber threats", "link": "https://www.sec.gov/Archives/edgar/data/737468/000073746826000034/wash-20251231.htm#:~:text=and%20the%20tactics%2C%20techniques%2C%20and%20procedures%20used%20in,our%20business%20operations%20and%20financial%20condition." } }, { "slug": "webster-financial-corp", "name": "Webster Financial Corp", "state": "CT", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "webster-financial-corp", "name": "Webster Financial Corp", "state": "CT", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "webster-financial-corp", "name": "Webster Financial Corp", "state": "CT", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We are in the early stages of incorporating AI into our business activities to increase employee productivity. We have not yet deployed AI-driven systems in critical decision-making or client-facing processes.", "link": "https://www.sec.gov/Archives/edgar/data/801337/000080133725000004/wbs-20241231.htm#:~:text=We%20are%20in%20the%20early%20stages%20of%20incorporating,regulatory%20consequences%20and%20harm%20our%20reputation." } }, { "slug": "webster-financial-corp", "name": "Webster Financial Corp", "state": "CT", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Assisting the Risk Committee with reviewing and overseeing risks related to cybersecurity and the development, deployment, and acceptable use of artificial intelligence", "link": "https://www.sec.gov/Archives/edgar/data/801337/000080133726000011/wbs-20251231.htm#:~:text=%E2%80%A2Assisting%20the%20Risk%20Committee%20with%20reviewing%20and%20overseeing,acceptable%20use%20of%20artificial%20intelligence%3B%20and" } }, { "slug": "wells-fargo-and-company-mn", "name": "Wells Fargo & Company", "state": "CA", "year": 2022, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We also use artificial intelligence to help further inform or automate our business decisions and risk management practices, but there is no assurance that artificial intelligence will appropriately or sufficiently replicate certain outcomes or human assessment or accurately predict future events", "link": "https://www.sec.gov/Archives/edgar/data/72971/000007297123000071/wfc-20221231_d2.htm#:~:text=In%20certain%20instances%2C%20we%20rely%20on%20models%20to,results%20of%20operations%20or%20financial%20condition." } }, { "slug": "wells-fargo-and-company-mn", "name": "Wells Fargo & Company", "state": "CA", "year": 2023, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We also use artificial intelligence to help further inform or automate certain business decisions, operations, and risk management practices, as well as to improve our customer service, but there is no assurance that artificial intelligence will appropriately or sufficiently replicate certain", "link": "https://www.sec.gov/Archives/edgar/data/72971/000007297124000064/wfc-20231231_d2.htm#:~:text=We%20also%20use%20artificial%20intelligence%20to%20help%20further,on%20our%20business%20or%20financial%20results." } }, { "slug": "wells-fargo-and-company-mn", "name": "Wells Fargo & Company", "state": "CA", "year": 2024, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We also use artificial intelligence to help further inform or automate certain business decisions, operations, and risk management practices, as well as to improve our customer service", "link": "https://www.sec.gov/Archives/edgar/data/72971/000007297125000066/wfc-20241231_d2.htm#:~:text=We%20also%20use%20artificial%20intelligence%20to%20help%20further,on%20our%20business%20or%20financial%20results." } }, { "slug": "wells-fargo-and-company-mn", "name": "Wells Fargo & Company", "state": "CA", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "We also use AI to help improve efficiency and further inform or automate certain business decisions, operations, and risk management practices, as well as to enhance our models and data management activities, and to improve our customer service.", "link": "https://www.sec.gov/Archives/edgar/data/72971/000007297126000133/wfc-20251231.htm#:~:text=We%20also%20use%20AI%20to%20help%20improve%20efficiency,on%20our%20business%20or%20financial%20results." } }, { "slug": "wesbanco-inc", "name": "Wesbanco Inc", "state": "WV", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "wesbanco-inc", "name": "Wesbanco Inc", "state": "WV", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "wesbanco-inc", "name": "Wesbanco Inc", "state": "WV", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The adoption of new technologies by competitors, including internet banking services, mobile applications, advanced ATM functionality, artificial intelligence and cryptocurrencies could require Wesbanco to make additional substantial investments to modify or adapt the existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/203596/000095017025030795/wsbc-20241231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,affect%20Wesbanco%E2%80%99s%20growth%2C%20revenue%2C%20and%20profit." } }, { "slug": "wesbanco-inc", "name": "Wesbanco Inc", "state": "WV", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The adoption of new technologies by competitors, including internet banking services, mobile applications, advanced ATM functionality, artificial intelligence and cryptocurrencies could require Wesbanco to make additional substantial investments to modify or adapt the existing products and services", "link": "https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,affect%20Wesbanco%E2%80%99s%20growth%2C%20revenue%2C%20and%20profit." } }, { "slug": "west-bancorporation-inc", "name": "West Bancorporation Inc", "state": "IA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "west-bancorporation-inc", "name": "West Bancorporation Inc", "state": "IA", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "New or revised laws and regulations, including with respect to the use of artificial intelligence by financial institutions and service providers, may significantly impact our current and planned privacy, data protection and information security-related practices", "link": "https://www.sec.gov/Archives/edgar/data/1166928/000116692824000024/wtba-20231231.htm#:~:text=Furthermore%2C%20there%20has%20been%20heightened%20legislative%20and%20regulatory,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "west-bancorporation-inc", "name": "West Bancorporation Inc", "state": "IA", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "New or revised laws and regulations, including with respect to the use of artificial intelligence by financial institutions and service providers, may significantly impact our current and planned privacy, data protection and information security-related practices", "link": "https://www.sec.gov/Archives/edgar/data/1166928/000116692825000012/wtba-20241231.htm#:~:text=Furthermore%2C%20there%20has%20been%20heightened%20legislative%20and%20regulatory,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "west-bancorporation-inc", "name": "West Bancorporation Inc", "state": "IA", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "New or revised laws and regulations, including with respect to the use of artificial intelligence by financial institutions and service providers, may significantly impact our current and planned privacy, data protection and information security-related practices", "link": "https://www.sec.gov/Archives/edgar/data/1166928/000116692826000010/wtba-20251231.htm#:~:text=Furthermore%2C%20there%20has%20been%20heightened%20legislative%20and%20regulatory,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "westamerica-bancorporation", "name": "Westamerica Bancorporation", "state": "CA", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "westamerica-bancorporation", "name": "Westamerica Bancorporation", "state": "CA", "year": 2023, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "westamerica-bancorporation", "name": "Westamerica Bancorporation", "state": "CA", "year": 2024, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "westamerica-bancorporation", "name": "Westamerica Bancorporation", "state": "CA", "year": 2025, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "western-alliance-bancorporation", "name": "Western Alliance Bancorporation", "state": "AZ", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "western-alliance-bancorporation", "name": "Western Alliance Bancorporation", "state": "AZ", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of artificial intelligence technologies has also given rise to additional vulnerabilities and potential entry points for cyber threats.", "link": "https://www.sec.gov/Archives/edgar/data/1212545/000121254524000092/wal-20231231.htm#:~:text=We%20also%20face%20the%20risk%20of%20operational%20disruption%2C,and%20remediate%20any%20information%20security%20vulnerabilities." } }, { "slug": "western-alliance-bancorporation", "name": "Western Alliance Bancorporation", "state": "AZ", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of artificial intelligence technologies has also given rise to additional vulnerabilities and potential entry points for cyber threats.", "link": "https://www.sec.gov/Archives/edgar/data/1212545/000121254525000090/wal-20241231.htm#:~:text=We%20also%20face%20the%20risk%20of%20operational%20disruption%2C,and%20remediate%20any%20information%20security%20vulnerabilities." } }, { "slug": "western-alliance-bancorporation", "name": "Western Alliance Bancorporation", "state": "AZ", "year": 2025, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "mentions_agentic", "risk_without_governance" ], "quote": { "quote": "the continued evolution and increased usage of AI technologies may further increase these risks.", "link": "https://www.sec.gov/Archives/edgar/data/1212545/000162828026010336/wal-20251231.htm#:~:text=continually%20enhance%20these%2C%20the%20nature%20of%20cyber%20threats,technologies%20may%20further%20increase%20these%20risks." } }, { "slug": "wilson-bank-holding-co", "name": "Wilson Bank Holding Co", "state": "TN", "year": 2022, "size_group": "$1B to $50B", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "wilson-bank-holding-co", "name": "Wilson Bank Holding Co", "state": "TN", "year": 2023, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Generative artificial intelligence is further increasing risks in this area, including by making fraud detection more difficult, particularly with detection devices that use voice recognition or authentication.", "link": "https://www.sec.gov/Archives/edgar/data/885275/000095017024021709/ck0000885275-20231231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,the%20Company%E2%80%99s%20activities%20or%20the%20activities" } }, { "slug": "wilson-bank-holding-co", "name": "Wilson Bank Holding Co", "state": "TN", "year": 2024, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of generative artificial intelligence is further increasing risks in this area, including by making fraud detection more difficult, particularly with detection devices that use voice recognition or authentication.", "link": "https://www.sec.gov/Archives/edgar/data/885275/000095017025029576/ck0000885275-20241231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,security%20breaches%20or%20computer%20viruses%20could" } }, { "slug": "wilson-bank-holding-co", "name": "Wilson Bank Holding Co", "state": "TN", "year": 2025, "size_group": "$1B to $50B", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "The rapid evolution and increased adoption of generative artificial intelligence is further increasing risks in this area, including by making fraud detection more difficult, particularly with detection devices that use voice recognition or authentication.", "link": "https://www.sec.gov/Archives/edgar/data/885275/000119312526082893/ck0000885275-20251231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,and%20viruses%20could%20expose%20the%20Company" } }, { "slug": "wintrust-financial-corp", "name": "Wintrust Financial Corp", "state": "IL", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "wintrust-financial-corp", "name": "Wintrust Financial Corp", "state": "IL", "year": 2023, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "wintrust-financial-corp", "name": "Wintrust Financial Corp", "state": "IL", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Failure to successfully keep pace with technological change affecting the financial services industry, including the emerging use of artificial intelligence and machine learning, could cause a loss of customers and have a material adverse effect on our business.", "link": "https://www.sec.gov/Archives/edgar/data/1015328/000101532825000093/wtfc-20241231.htm#:~:text=operating%20costs.%20Our%20future%20success%20depends%2C%20in%20part%2C,material%20adverse%20effect%20on%20our%20business." } }, { "slug": "wintrust-financial-corp", "name": "Wintrust Financial Corp", "state": "IL", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "We may selectively incorporate AI technology in certain business processes, fraud detection, services or products, including technologies that process sensitive financial and/or personal data.", "link": "https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm#:~:text=The%20use%20of%20artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29%20in%20the,financial%20condition%20or%20results%20of%20operations." } }, { "slug": "wsfs-financial-corp", "name": "WSFS Financial Corp", "state": "DE", "year": 2022, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "Advancing how we use data, the deployment of artificial intelligence, and predictive modeling to create operational efficiencies and redesign business models", "link": "https://www.sec.gov/Archives/edgar/data/828944/000162828023005573/wsfs-20221231.htm#:~:text=%E2%97%A6Advancing%20how%20we%20use%20data%2C%20the%20deployment%20of,operational%20efficiencies%20and%20redesign%20business%20models" } }, { "slug": "wsfs-financial-corp", "name": "WSFS Financial Corp", "state": "DE", "year": 2023, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "Advancing how we use data, the deployment of artificial intelligence, and predictive modeling to create operational efficiencies and redesign business models", "link": "https://www.sec.gov/Archives/edgar/data/828944/000162828024007987/wsfs-20231231.htm#:~:text=%E2%97%A6Advancing%20how%20we%20use%20data%2C%20the%20deployment%20of,operational%20efficiencies%20and%20redesign%20business%20models" } }, { "slug": "wsfs-financial-corp", "name": "WSFS Financial Corp", "state": "DE", "year": 2024, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning" ], "quote": { "quote": "Advancing how we use data, the deployment of artificial intelligence, and predictive modeling to create operational efficiencies and redesign business models", "link": "https://www.sec.gov/Archives/edgar/data/828944/000162828025008977/wsfs-20241231.htm#:~:text=%E2%97%A6Advancing%20how%20we%20use%20data%2C%20the%20deployment%20of,operational%20efficiencies%20and%20redesign%20business%20models" } }, { "slug": "wsfs-financial-corp", "name": "WSFS Financial Corp", "state": "DE", "year": 2025, "size_group": "$1B to $50B", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_plans", "using_or_planning", "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Advancing how we use data, the deployment of artificial intelligence and predictive modeling to create operational efficiencies and redesign business models.", "link": "https://www.sec.gov/Archives/edgar/data/828944/000082894426000006/wsfs-20251231.htm#:~:text=%E2%97%A6Advancing%20how%20we%20use%20data%2C%20the%20deployment%20of,operational%20efficiencies%20and%20redesign%20business%20models." } }, { "slug": "zions-bancorporation-national-association-ut", "name": "Zions Bancorporation, National Association", "state": "UT", "year": 2022, "size_group": "$50B and above", "max_detail": null, "mentions": false, "new_this_year": false, "flags": [], "quote": null }, { "slug": "zions-bancorporation-national-association-ut", "name": "Zions Bancorporation, National Association", "state": "UT", "year": 2023, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": true, "flags": [ "lists_ai_risk", "risk_without_governance" ], "quote": { "quote": "Industry experimentation with, and adoption of, artificial intelligence (“AI”), the expansion of blockchain technologies, and digital currencies, including the potential creation and adoption of central bank digital currencies, present similar risks.", "link": "https://www.sec.gov/Archives/edgar/data/109380/000010938024000061/zions-20231231.htm#:~:text=Our%20ability%20to%20remain%20competitive%20is%20increasingly%20dependent,customer%20satisfaction%2C%20product%20accessibility%2C%20and%20relevance." } }, { "slug": "zions-bancorporation-national-association-ut", "name": "Zions Bancorporation, National Association", "state": "UT", "year": 2024, "size_group": "$50B and above", "max_detail": 1, "mentions": true, "new_this_year": false, "flags": [ "lists_ai_risk", "mentions_genai", "risk_without_governance" ], "quote": { "quote": "Information security risks for us and other large financial institutions have increased significantly in recent years, partly due to the proliferation of new technologies, including artificial intelligence, the ubiquity of internet connections, and the increased sophistication and activities of", "link": "https://www.sec.gov/Archives/edgar/data/109380/000010938025000040/zions-20241231.htm#:~:text=We%20rely%20heavily%20on%20communications%20and%20information%20systems,sophistication%20and%20activities%20of%20threat%20actors." } }, { "slug": "zions-bancorporation-national-association-ut", "name": "Zions Bancorporation, National Association", "state": "UT", "year": 2025, "size_group": "$50B and above", "max_detail": 2, "mentions": true, "new_this_year": false, "flags": [ "describes_deployment", "using_or_planning", "describes_governance", "lists_ai_risk", "mentions_genai" ], "quote": { "quote": "we utilize certain AI solutions to support, inform, or augment decision-making and client interactions, with all final actions subject to human oversight and review", "link": "https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm#:~:text=We%20are%20in%20the%20early%20stages%20of%20integrating,which%20could%20indirectly%20impact%20our%20business." } } ]