{"slug":"agentic","title":"AI agents and agentic AI","intro":"Banks that mention AI agents or agentic AI, systems that take actions on their own.","keywords":["agentic","agents","ai agents","autonomous"],"year":2025,"numbers":{"n":29,"total":270,"pct":0.1074},"trend":[{"year":2022,"n":0,"total":298,"pct":0},{"year":2023,"n":0,"total":297,"pct":0},{"year":2024,"n":0,"total":284,"pct":0},{"year":2025,"n":29,"total":270,"pct":0.1074}],"banks":[{"slug":"bank-of-marin-bancorp","name":"Bank of Marin Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001403475-26-000018-facebf4cb7c0","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.","mention_words":"Using AI now","detail_words":"Concrete example"}},{"slug":"first-financial-corp-in","name":"First Financial Corp","state":"IN","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0000714562-26-000014-b23f8c6dae35","quote":"as technology, including the increasing use of artificial intelligence, machine learning, large language models, artificial intelligence agents, generative artificial intelligence, and other similar technologies (collectively referred to as “AI”), and cyberattacks change over time, we may be","link":"https://www.sec.gov/Archives/edgar/data/714562/000071456226000014/thff-20251231x10k.htm#:~:text=The%20occurrence%20of%20a%20cybersecurity%20incident%20involving%20us%2C,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"ally-financial-inc","name":"Ally Financial Inc.","state":"MI","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000040729-26-000005-ca73c36f79ca","quote":"The deployment and use of AI within our businesses and operations may present new or increased legal, regulatory, reputational, operational and other risks that further complicate model risk management, data security and privacy protection, data governance and management, and third-party risk","link":"https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm#:~:text=AI%20technologies%20are%20developing%20rapidly%2C%20and%20industry%20practices,AI%2Dspecific%20regulations%20or%20frameworks%20or%20are","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"american-express-co","name":"American Express Co","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000004962-26-000080-bb26131d5f5e","quote":"We also continue to explore ways to deploy new and developing technologies to enhance our payments platform and customer experience, such as uses for generative artificial intelligence (AI) and the integration of our products and services in agentic commerce.","link":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000080/axp-20251231.htm#:~:text=Our%20integrated%20payments%20platform%20and%20the%20systems%20and,products%20and%20services%20in%20agentic%20commerce.","mention_words":"Testing or planning AI","detail_words":"Names an area"}},{"slug":"atlantic-union-bankshares-corp","name":"Atlantic Union Bankshares Corp","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000883948-26-000021-58f5eb72ca7b","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/883948/000088394826000021/aub-20251231x10k.htm#:~:text=Recently%2C%20the%20financial%20services%20industry%20has%20experienced%20rapid,otherwise%20adversely%20affect%20our%20financial%20results.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bank-of-america-corp-de","name":"Bank of America Corp","state":"NC","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000070858-26-000157-4ef0eaa92309","quote":"Expanded use of AI, including emerging third‑party AI services and autonomous AI agents, may result in increased data risk, unpredictable system interactions, inadequate controls or safeguards, AI failure, or produce unintended operations or consequences.","link":"https://www.sec.gov/Archives/edgar/data/70858/000007085826000157/bac-20251231.htm#:~:text=We%20use%2C%20and%20expect%20to%20increasingly%20use%2C%20emerging,and%20regulatory%20risk%2C%20and%20reputational%20harm.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"c-and-f-financial-corp","name":"C & F Financial Corp","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000913341-26-000010-0cd379f85f14","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.","mention_words":"Testing or planning AI","detail_words":"Names an area"}},{"slug":"capital-city-bank-group-inc","name":"Capital City Bank Group Inc","state":"FL","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000726601-26-000007-7f5ddcd8485e","quote":"in AI, including with agentic AI. Our","link":"https://www.sec.gov/Archives/edgar/data/726601/000072660126000007/ccbg-20251231.htm#:~:text=in%20AI%2C%20including%20with%20agentic%20AI.%20Our","mention_words":"General statement about AI","detail_words":"General"}},{"slug":"capital-one-financial-corp","name":"Capital One Financial Corp","state":"VA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000927628-26-000024-82b3331d663f","quote":"Emerging generative AI capabilities, such as synthetic video, images and identity documents may introduce new risks, in the form of identity fraud and scams.","link":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm#:~:text=Emerging%20generative%20AI%20capabilities%2C%20such%20as%20synthetic%20video%2C,issuer%20is%20liable%20for%20fraud%20losses.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"citigroup-inc","name":"Citigroup Inc","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000831001-26-000011-7b42bd375bbe","quote":"Citi has used AI and machine learning tools for many years and has more recently begun to broadly deploy Generative AI, including within its technology platforms and services.","link":"https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm#:~:text=Citi%20has%20used%20AI%20and%20machine%20learning%20tools,result%20in%20increased%20risks%20and%20costs.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"finwise-bancorp","name":"Finwise Bancorp","state":"UT","size_group":"Under $1B","max_detail":2,"quote":{"passage_id":"0001856365-26-000006-d169c026cb44","quote":"We use generative AI for certain tasks like document drafting and data analysis, with an implementation of strict controls to protect customer data. Third-party AI assists us in cybersecurity, fraud detection, and code review, while our own agents handle compliance, policy analysis, and workflow","link":"https://www.sec.gov/Archives/edgar/data/1856365/000185636526000006/finw-20251231.htm#:~:text=We%20selectively%20employ%20AI%20through%20productivity%20tools%2C%20third%2Dparty,risks%20and%20challenges%20to%20our%20business.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"jpmorgan-chase-and-co","name":"JPMorgan Chase & Co.","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001628280-26-008131-0fd021877890","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","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"renasant-corp","name":"Renasant Corp","state":"MS","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000715072-26-000017-c6926c575efc","quote":"The Company’s development and use of artificial intelligence, including generative and agentic artificial intelligence and machine learning, presents risks and challenges that may materially and adversely impact the Company’s business.","link":"https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm#:~:text=The%20Company%E2%80%99s%20development%20and%20use%20of%20artificial%20intelligence%2C,and%20adversely%20impact%20the%20Company%E2%80%99s%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"sierra-bancorp","name":"Sierra Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-021479-91f09c4c92c0","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","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"state-street-corp","name":"State Street Corp","state":"MA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000093751-26-000124-499592c895eb","quote":"the implementation of complex products and services, such as State Street Alpha, wealth services, digital investment servicing or incorporating artificial intelligence, agentic artificial intelligence, blockchain and emerging quantum computing technologies requires substantial systems development","link":"https://www.sec.gov/Archives/edgar/data/93751/000009375126000124/stt-20251231.htm#:~:text=to%20us.%20The%20transition%20to%20new%20operating%20processes,risk%20associated%20with%20rapid%20technological%20change.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"synchrony-financial","name":"Synchrony Financial","state":"CT","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001601712-26-000006-baa6020e8dea","quote":"agentic commerce, which utilizes artificial intelligence (\"AI\") shopping agents to act on behalf of consumers and businesses, is an emerging AI technology that has the ability to autonomously handle shopping tasks.","link":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm#:~:text=In%20addition%2C%20new%20tech%2Denabled%20platforms%20have%20arisen%20to,and%20merchants%20that%20leverage%20these%20capabilities.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"trico-bancshares","name":"Trico Bancshares /","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000356171-26-000010-61d92dbf9feb","quote":"The increased use and capacity of AI, Generative AI, large language models (LLMs), and AI agents by customers, vendors and competitors increases risks to our business.","link":"https://www.sec.gov/Archives/edgar/data/356171/000035617126000010/tcbk-20251231.htm#:~:text=The%20increased%20use%20and%20capacity%20of%20AI%2C%20Generative,competitors%20increases%20risks%20to%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"uscb-financial-holdings-inc","name":"Uscb Financial Holdings, Inc.","state":"FL","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001562762-26-000027-ff1c13dd00b3","quote":"agentic AI. The effective use of technology increases efficiency","link":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000027/uscb-20251231.htm#:~:text=agentic%20AI.%20The%20effective%20use%20of%20technology%20increases%20efficiency","mention_words":"General statement about AI","detail_words":"General"}},{"slug":"valley-national-bancorp","name":"Valley National Bancorp","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000714310-26-000017-8ba6cce99892","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"ameriserv-financial-inc-pa","name":"Ameriserv Financial Inc","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-031270-ae722d2cf359","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"banner-corp","name":"Banner Corp","state":"WA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000946673-26-000009-bd50eb2f8dcf","quote":"Operational risks also arise from potential system failures, over-reliance on AI, and integration challenges with existing infrastructure. Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and client support.","link":"https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,of%20operations%20could%20be%20adversely%20impacted.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"burke-and-herbert-financial-services-corp","name":"Burke & Herbert Financial Services Corp.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001964333-26-000016-9da6613b99f4","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-financial-bancorp-oh","name":"First Financial Bancorp","state":"OH","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000708955-26-000028-87c2a69e8b3f","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"pathward-financial-inc","name":"Pathward Financial, Inc.","state":"SD","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000907471-25-000116-5d08e62ea9ae","quote":"There are risks in effectively implementing and marketing new technology-driven products and services. Upgrades and integration may cause service interruptions, transaction errors, and delays, and could cause us to fail to comply with applicable laws.","link":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000116/cash-20250930.htm#:~:text=The%20banking%20and%20financial%20services%20industry%20continually%20experiences,negatively%20affect%20our%20revenue%20and%20profitability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"patriot-national-bancorp-inc","name":"Patriot National Bancorp Inc","state":"CT","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-022508-3c667b69a7bc","quote":"AI models, particularly generative or agentic AI models, may produce outputs or take action that is incorrect, that reflects biases included in the data on which they are trained, that results in the release of private, confidential, or proprietary information","link":"https://www.sec.gov/Archives/edgar/data/1098146/000162828026022508/pnbk-20251231.htm#:~:text=AI%20models%2C%20particularly%20generative%20or%20agentic%20AI%20models%2C,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"simmons-first-national-corp","name":"Simmons First National Corp","state":"AR","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-011618-6da3cc8f66d2","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"southside-bancshares-inc","name":"Southside Bancshares Inc","state":"TX","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000705432-26-000034-81bdec045ddc","quote":"recent and rapid developments in AI, including with agentic AI. Our future success will depend, in part, upon our ability to address the needs of our clients by using technology to provide products and services","link":"https://www.sec.gov/Archives/edgar/data/705432/000070543226000034/sbsi-20251231.htm#:~:text=The%20banking%20and%20financial%20services%20industry%20continually%20experiences,negatively%20affect%20our%20revenue%20and%20profitability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"wafd-inc","name":"Wafd Inc","state":"WA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000936528-25-000117-bab98e6b3c79","quote":"including recent and rapid developments in AI, including with agentic AI.","link":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm#:~:text=of%20new%20technology%2Ddriven%20products%20and%20services%2C%20including%20recent,AI%2C%20including%20with%20agentic%20AI.%20Our","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"western-alliance-bancorporation","name":"Western Alliance Bancorporation","state":"AZ","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0001628280-26-010336-de71be1b4b80","quote":"AI models, particularly generative or agentic AI models, may produce outputs or take action that is incorrect, that reflects biases included in the data on which they are trained, that results in the release of private, confidential, or proprietary information","link":"https://www.sec.gov/Archives/edgar/data/1212545/000162828026010336/wal-20251231.htm#:~:text=AI%20models%2C%20particularly%20generative%20or%20agentic%20AI%20models%2C,outputs.%20This%20limited%20transparency%20increases%20the","mention_words":"Sees AI as a risk","detail_words":"General"}}]}