{"slug":"genai","title":"Generative AI","intro":"Banks that mention generative AI or large language models.","keywords":["generative","genai","gen ai","chatgpt","llm","large language model","copilot"],"year":2025,"numbers":{"n":146,"total":270,"pct":0.5407},"trend":[{"year":2022,"n":0,"total":298,"pct":0},{"year":2023,"n":36,"total":297,"pct":0.1212},{"year":2024,"n":97,"total":284,"pct":0.3415},{"year":2025,"n":146,"total":270,"pct":0.5407}],"banks":[{"slug":"bank-of-hawaii-corp","name":"Bank of Hawaii Corp","state":"HI","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0000046195-26-000015-77dc964b3727","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.","mention_words":"Using AI now","detail_words":"Concrete example"}},{"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":"fifth-third-bancorp","name":"Fifth Third Bancorp","state":"OH","size_group":"$50B and above","max_detail":3,"quote":{"passage_id":"0000035527-26-000124-e21300cce0a1","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","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":"us-bancorp-de","name":"U.S. Bancorp","state":"MN","size_group":"$50B and above","max_detail":3,"quote":{"passage_id":"0000036104-26-000011-b7ca20f11f72","quote":"The adoption and rapid growth of new technologies, including generative AI, cryptocurrencies, stablecoins, other digital assets, blockchain and other distributed ledger technologies, have required, and will continue to require, the Company to incur substantial expense to adapt its systems","link":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231_d2.htm#:~:text=The%20adoption%20and%20rapid%20growth%20of%20new%20technologies%2C,impact%20the%20Company%E2%80%99s%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"acnb-corp","name":"Acnb Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-017229-61ad9c2c3123","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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":"ameris-bancorp","name":"Ameris Bancorp","state":"GA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000351569-26-000050-08d6bdfc6d22","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"arrow-financial-corp","name":"Arrow Financial Corp","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000717538-26-000037-d675d013822a","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"associated-banc-corp","name":"Associated Banc-Corp","state":"WI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000007789-26-000071-ffdb9c479873","quote":"States have started to regulate the use of AI technologies. Of note, the California Privacy Protection Agency has finalized regulations under the CCPA regarding the use of automated decision making.","link":"https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm#:~:text=CFPB%20and%20other%20federal%20regulatory%20guidance%20reiterates%20that,combating%20cybersecurity%20risks%20associated%20with%20AI.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"avidbank-holdings-inc","name":"Avidbank Holdings, Inc.","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-008852-7e9edad0fc7e","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/1443575/000143774926008852/avbh20251231_10k.htm#:~:text=While%20we%20have%20policies%20prohibiting%20our%20employees%20from,sensitive%20client%20information%2C%20with%20AI%20technologies.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"banc-of-california-inc","name":"Banc of California, Inc.","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-012946-4571a0bfbabc","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"bancorp-inc","name":"Bancorp, Inc.","state":"DE","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001295401-26-000002-d898cc31620a","quote":"The developments 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/1295401/000129540126000002/tbbk-20251231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20partners%2C%20clients%20or,Any%20of%20these%20risks%20could%20expose","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bank-of-new-york-mellon-corp","name":"Bank of New York Mellon Corp","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001390777-26-000033-67bca75d0b24","quote":"Model Risk Management’s framework includes use cases employing artificial intelligence, including large language models, and Model Risk Management is among the functions integrated into the Company’s broader, cross-functional artificial intelligence risk management framework.","link":"https://www.sec.gov/Archives/edgar/data/1390777/000139077726000033/bk-20251231_d2.htm#:~:text=Model%20Risk%20Management%20is%20a%20function%20within%20our,for%20evaluation%20by%20the%20Company%E2%80%99s%20staff.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"slug":"bok-financial-corp","name":"Bok Financial Corp","state":"OK","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000875357-26-000013-66de03b124b9","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"byline-bancorp-inc","name":"Byline Bancorp, Inc.","state":"IL","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-083194-8dde194f67eb","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.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"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":"cvb-financial-corp","name":"CVB Financial Corp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-083221-30ae17d337b9","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.","mention_words":"Explains how AI is controlled","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":"0000726601-26-000007-2acc37fe8276","quote":"models, particularly generative or agentic AI models, may produce outputs or","link":"https://www.sec.gov/Archives/edgar/data/726601/000072660126000007/ccbg-20251231.htm#:~:text=models%2C%20particularly%20generative%20or%20agentic%20AI%20models%2C%20may%20produce%20outputs%20or","mention_words":"Sees AI as a risk","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":"0000927628-26-000024-8793682360f7","quote":"we use models and AI in certain processes and may expand our use of AI in additional processes in the future. Some examples may include determining the pricing of products, identifying potentially fraudulent transactions, grading loans, extending credit","link":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm#:~:text=We%20rely%20on%20quantitative%20models%20and%2C%20in%20some,these%20technologies%20to%20increase%20over%20time.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"chain-bridge-bancorp-inc","name":"Chain Bridge Bancorp Inc","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-020177-cefc66c523a3","quote":"These AI technologies assist in drafting documents and communications, conducting research, and enhancing operational efficiency.","link":"https://www.sec.gov/Archives/edgar/data/1392272/000162828026020177/chnbrdg-20251231.htm#:~:text=configurations%2C%20prompts%2C%20or%20projects%20%28such%20as%20custom%20GPTS,may%20directly%20or%20indirectly%20impact%20us.","mention_words":"Using AI now","detail_words":"Names an area"}},{"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":"citizens-financial-group-inc-ri","name":"Citizens Financial Group Inc","state":"RI","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000759944-26-000028-0e3ff2f66dd1","quote":"Evolving technologies, including the introduction of Generative Artificial Intelligence and Large Language Models, and the increased sophistication and activities of organized crime, hackers, terrorists, nation-states, activists, and other external parties present a significant information security","link":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000028/cfg-20251231.htm#:~:text=Evolving%20technologies%2C%20including%20the%20introduction%20of%20Generative%20Artificial,that%20these%20protections%20will%20be%20effective.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"commercial-bancgroup-inc","name":"Commercial Bancgroup, Inc.","state":"TN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001213900-26-033659-a50fbd556d76","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"community-financial-system-inc","name":"Community Financial System, Inc.","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-021651-ad02ffcca1c3","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"connectone-bancorp-inc","name":"ConnectOne Bancorp, Inc.","state":"NJ","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-005320-716a17507c64","quote":"we have policies and governance structures prohibiting our employees from using non-approved generative AI applications or websites on the Company or the Bank’s network or devices","link":"https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm#:~:text=While%20we%20have%20policies%20and%20governance%20structures%20prohibiting,risks%20associated%20with%20using%20AI%20technology.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"slug":"dime-commercial-bancshares-inc-ny","name":"Dime Commercial Bancshares, Inc.","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000846617-26-000013-d941289ac670","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"enb-financial-corp","name":"ENB Financial Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001174947-26-000410-4175a6f3a58c","quote":"Our customers and potential customers may express adverse opinions concerning our 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/1437479/000117494726000410/enbp-20251231.htm#:~:text=Data%20practices%20by%20us%20or%20others%20that%20result,harmful%20impact%20is%20often%20complex%20and","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"eagle-bancorp-montana-inc","name":"Eagle Bancorp Montana, Inc.","state":"MT","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-007330-97c0ba7008fe","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"fnb-corp-pa","name":"F.N.B. Corporation","state":"PA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000037808-26-000007-7e6ff9e168db","quote":"We rely heavily on a broad range of quantitative models, advanced analytics, AI, and generative AI technologies across multiple areas of our operations, including credit decisioning, fraud detection, risk monitoring, customer engagement, productivity enhancement and internal operational processes.","link":"https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm#:~:text=We%20rely%20heavily%20on%20a%20broad%20range%20of,which%20we%20may%20have%20limited%20visibility.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"fb-financial-corp","name":"FB Financial Corp","state":"TN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001649749-26-000012-68cd7058140a","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.","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":"0001856365-26-000006-7e9edad0fc7e","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"first-bancorp-inc-me","name":"First Bancorp, Inc","state":"ME","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000765207-26-000067-b4ac55f242e5","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.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"first-busey-corp-nv","name":"First Busey Corp","state":"KS","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000314489-26-000013-5938e1390045","quote":"Failure to effectively adopt, integrate, or govern new technologies—including generative AI—may impair Busey’s ability to attract and retain customers, compete with technologically advanced financial firms, or achieve anticipated efficiencies.","link":"https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20significant%20digital,for%20robust%20controls%2C%20monitoring%2C%20and%20oversight.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-business-financial-services-inc","name":"First Business Financial Services, Inc.","state":"WI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-071523-025b0b53e092","quote":"There are inherent risks involved in utilizing AI and no assurance can be provided 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/1521951/000119312526071523/fbiz-20251231.htm#:~:text=Our%20adoption%20of%20artificial%20intelligence%2C%20including%20generative%20artificial,on%20our%20business%20and%20financial%20results.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-citizens-bancshares-inc-de","name":"First Citizens Bancshares Inc","state":"NC","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000798941-26-000015-2d3600c8ad06","quote":"The use of AI presents its own unique risks. Third-party development of AI models 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/798941/000079894126000015/fcnca-20251231.htm#:~:text=The%20use%20of%20AI%20presents%20its%20own%20unique,results%20of%20operations%20and%20financial%20condition.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-hawaiian-inc","name":"First Hawaiian, Inc.","state":"HI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-021544-d0df7665e525","quote":"The development and use of AI present a number of risks and challenges to our 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/36377/000110465926021544/fhb-20251231x10k.htm#:~:text=We%20and%2For%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-interstate-bancsystem-inc","name":"First Interstate Bancsystem Inc","state":"MT","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000860413-26-000011-0693e28c39bf","quote":"the legal and regulatory environment relating to emerging technologies such as AI will continue to develop and could increase the cost of doing business, and create compliance risks and potential liability, all which may have a material adverse effect on our financial condition and results of","link":"https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm#:~:text=In%20addition%2C%20the%20recent%20emerging%20technology%20trends%2C%20such,material%20adverse%20effect%20on%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-merchants-corp","name":"First Merchants Corp","state":"IN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000712534-26-000022-1e7d56eeec1f","quote":"This use may expose the Corporation to various risks and potential liabilities, including: enhanced governmental or regulatory scrutiny; litigation; ethical concerns; confidentiality and security risks; intellectual property concerns over data rights and protection","link":"https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm#:~:text=The%20Corporation%20and%20its%20third%2Dparty%20vendors%2C%20clients%2C%20counterparties%2C,may%20not%20adequately%20predict%20or%20mitigate.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"five-star-bancorp","name":"Five Star Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-012724-805ce15f06c0","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","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"goldman-sachs-group-inc","name":"Goldman Sachs Group","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000886982-26-000091-1bb5b6828596","quote":"as we expand the development and incorporation of AI technologies in our business processes, services or products, including in connection with our OneGS 3.0 initiative, these risks may be heightened.","link":"https://www.sec.gov/Archives/edgar/data/886982/000088698226000091/gs-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,initiative%2C%20these%20risks%20may%20be%20heightened.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"hancock-whitney-corp","name":"Hancock Whitney Corp","state":"MS","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-077903-7dd375d4dc5b","quote":"AI models, particularly generative AI models, may produce output 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/750577/000119312526077903/hwc-20251231.htm#:~:text=AI%20models%2C%20particularly%20generative%20AI%20models%2C%20may%20produce,the%20effectiveness%20of%20its%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"horizon-bancorp-inc-in","name":"Horizon Bancorp Inc","state":"IN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000706129-26-000024-7419afd9cd73","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"international-bancshares-corp","name":"International Bancshares Corp","state":"TX","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-020439-7f67957ceac6","quote":"Our ISSP also applies to cybersecurity and data protection risks associated with artificial intelligence, including generative artificial intelligence whether those risks arise from our use of AI solutions or from AI-enabled threats and attack techniques used by malicious actors.","link":"https://www.sec.gov/Archives/edgar/data/315709/000110465926020439/iboc-20251231x10k.htm#:~:text=Commensurate%20with%20the%20risks%20we%20face%20and%20the,for%20Internet%20Security%E2%80%99s%20Critical%20Security%20Controls.","mention_words":"Explains how AI is controlled","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":"keycorp-new","name":"KeyCorp","state":"OH","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001628280-26-010546-aa9c3d7768af","quote":"Increased model and generative AI use could expose us to liability or adverse legal or regulatory consequences and harm our reputation and the public perception of our business or the effectiveness of our security measures.","link":"https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm#:~:text=We%20are%20also%20subject%20to%20the%20risk%20that,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"live-oak-bancshares-inc","name":"Live Oak Bancshares, Inc.","state":"NC","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001462120-26-000020-900267eb73ac","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.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"mainstreet-bancshares-inc","name":"MainStreet Bancshares, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-008073-24390791e6f3","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.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"slug":"mechanics-bancorp","name":"Mechanics Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001518715-26-000026-f7c0cc95fc5e","quote":"Artificial intelligence, including generative artificial intelligence,","link":"https://www.sec.gov/Archives/edgar/data/1518715/000151871526000026/hmst-20251231.htm#:~:text=liability%2C%20or%20could%20otherwise%20adversely%20affect%20our%20business.%20Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"metropolitan-bank-holding-corp","name":"Metropolitan Bank Holding Corp.","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-018208-b47eb68090c5","quote":"AI development or deployment practices by the Company, our customers, or third-party developers or vendors could result in unintended consequences. For example, AI algorithms could be flawed or may be based on datasets that are inaccurate, biased or insufficient.","link":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926018208/mcb-20251231x10k.htm#:~:text=We%20have%20made%2C%20and%20expect%20to%20continue%20making%2C,on%20our%20customers%20and%20their%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"midland-states-bancorp-inc","name":"Midland States Bancorp, Inc.","state":"IL","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001466026-26-000020-f3d566de3e65","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.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"morgan-stanley","name":"Morgan Stanley","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000895421-26-000086-0a96640cb86e","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.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"slug":"nbt-bancorp-inc","name":"NBT Bancorp Inc","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001140361-26-007179-bb13853a46a4","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"newtekone-inc","name":"NewtekOne, Inc.","state":"FL","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-016503-8ebc5edd045c","quote":"we are 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/1587987/000162828026016503/newt-20251231.htm#:~:text=In%20addition%20to%20our%20use%20of%20AI%20technologies%2C,pose%20a%20threat%20to%20financial%20stability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"northern-trust-corp","name":"Northern Trust Corp","state":"IL","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000073124-26-000016-8f3f003df28a","quote":"the use of generative AI, a relatively new and emerging technology in the early stages of commercial use, exposes us to additional risks, such as damage to our reputation, competitive position, and business, legal and regulatory risks and additional costs.","link":"https://www.sec.gov/Archives/edgar/data/73124/000007312426000016/ntrs-20251231.htm#:~:text=Models%20based%20on%20historical%20data%20sets%20might%20not,financial%20condition%2C%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"old-national-bancorp-in","name":"Old National Bancorp","state":"IN","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000707179-26-000010-9102b32b2f6d","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"orange-county-bancorp-inc-de","name":"Orange County Bancorp, Inc.","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-028308-1f2fc3f08ac1","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/1754226/000110465926028308/obt-20251231x10k.htm#:~:text=We%20are%20also%20exposed%20to%20risks%20arising%20from,pose%20a%20threat%20to%20financial%20stability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"pnc-financial-services-group-inc","name":"PNC Financial Services Group","state":"PA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000713676-26-000020-c5b6e9c9fcaf","quote":"The techniques used in cyber attacks and breaches change rapidly and are increasingly sophisticated, including through the use of generative AI and deepfakes","link":"https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm#:~:text=public%20disclosure%20of%20confidential%20information.%20Cyber%20attacks%20and,during%20times%20of%20increased%20geopolitical%20tensions.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"peoples-bancorp-of-north-carolina-inc","name":"Peoples Bancorp of North Carolina Inc","state":"NC","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001654954-26-002154-bead889b23fb","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"raymond-james-financial-inc","name":"Raymond James Financial Inc","state":"FL","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000720005-25-000093-ce2f221a6c86","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"regions-financial-corp","name":"Regions Financial Corp","state":"AL","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001281761-26-000019-06fbb6c6d8bb","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 cyber-attacks and other similar incidents.","link":"https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm#:~:text=We%20are%20also%20exposed%20to%20risks%20arising%20from,pose%20a%20threat%20to%20financial%20stability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"republic-bancorp-inc-ky","name":"Republic Bancorp Inc","state":"KY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-024523-4d8e75d24a39","quote":"AI, particularly generative AI, adoption risks including performance failures, bias, or reliance on third-party AI vendors, and more effective adoption by industry competitors;","link":"https://www.sec.gov/Archives/edgar/data/921557/000110465926024523/rbcaa-20251231x10k.htm#:~:text=o%20AI%2C%20particularly%20generative%20AI%2C%20adoption%20risks%20including,more%20effective%20adoption%20by%20industry%20competitors%3B","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"s-and-t-bancorp-inc","name":"S&T Bancorp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000719220-26-000030-17adab3e2766","quote":"the rapid evolution of artificial intelligence, generative artificial intelligence and quantum computing has enabled malicious actors to develop more advanced social engineering attacks.","link":"https://www.sec.gov/Archives/edgar/data/719220/000071922026000030/stba-20251231.htm#:~:text=Financial%20services%20institutions%2C%20and%20third%20parties%20whom%20they,or%20other%20information%20or%20security%20breaches.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"santander-holdings-usa-inc","name":"Santander Holdings USA, Inc.","state":"MA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000811830-26-000005-60a43afd2fa0","quote":"Advances in AI, including generative AI, may also be used by threat actors to facilitate cyber attacks, including the creation of highly convincing phishing and social-engineering campaigns, automated malware development, deepfake-enabled fraud","link":"https://www.sec.gov/Archives/edgar/data/811830/000081183026000005/sov-20251231.htm#:~:text=Advances%20in%20AI%2C%20including%20generative%20AI%2C%20may%20also,heightens%20cybersecurity%2C%20operational%2C%20and%20financial%20risk.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"southstate-bank-corp","name":"SouthState Bank Corp","state":"FL","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001104659-26-017884-a2a2f591b7e4","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/764038/000110465926017884/ssb-20251231x10k.htm#:~:text=Our%20adoption%20and%20use%20of%20artificial%20intelligence%2C%20including,impair%20our%20ability%20to%20compete%20effectively.","mention_words":"Sees AI as a risk","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-b57e212857cb","quote":"We also use artificial intelligence, generative artificial intelligence and machine learning models to automate or enhance certain business processes.","link":"https://www.sec.gov/Archives/edgar/data/93751/000009375126000124/stt-20251231.htm#:~:text=We%20use%20quantitative%20models%20to%20help%20manage%20many,pose%20an%20ongoing%20risk%20to%20us.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"stock-yards-bancorp-inc","name":"Stock Yards Bancorp, Inc.","state":"KY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-005830-77254fec05d0","quote":"The development and use of generative artificial intelligence (AI) technology presents risks and challenges that may adversely impact our business, financial condition and results of operations.","link":"https://www.sec.gov/Archives/edgar/data/835324/000143774926005830/sybt20251231_10k.htm#:~:text=The%20development%20and%20use%20of%20generative%20artificial%20intelligence,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"synchrony-financial","name":"Synchrony Financial","state":"CT","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001601712-26-000006-eaaae2ab30d5","quote":"risks related to the use of generative AI. Our information security team, led by our Chief Information Security Officer (\"CISO\"), in collaboration with our Risk Committee and our executive leadership team, closely monitors our information security program","link":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm#:~:text=We%20also%20have%20several%20management%20subcommittees%2C%20which%20ultimately,held%20jointly%20with%20the%20Audit%20Committee.","mention_words":"Explains how AI is controlled","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":"truist-financial-corp","name":"Truist Financial Corp","state":"NC","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000092230-26-000030-ffce998ff2be","quote":"the increasing use of machine learning and generative AI, and there can be no assurance that future cybersecurity incidents, including incidents experienced by third parties, will not have a material adverse impact on Truist","link":"https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm#:~:text=For%20the%20fiscal%20year%20ended%20December%2031%2C%202025%2C,results%20of%20operations%2C%20or%20financial%20condition.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"unity-bancorp-inc-nj","name":"Unity Bancorp Inc","state":"NJ","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000920427-26-000012-df720ec7604c","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.","mention_words":"Using AI now","detail_words":"Names an area"}},{"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":"wsfs-financial-corp","name":"WSFS Financial Corp","state":"DE","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000828944-26-000006-b363ba2f2bc5","quote":"The use of AI applications, including large language models, has resulted in, and may in the future result in, cybersecurity vulnerabilities or incidents that implicate the personal information, intellectual property, proprietary data or other sensitive information","link":"https://www.sec.gov/Archives/edgar/data/828944/000082894426000006/wsfs-20251231.htm#:~:text=The%20use%20of%20AI%20applications%2C%20including%20large%20language,harm%2C%20regulatory%20scrutiny%20or%20legal%20liability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"webster-financial-corp","name":"Webster Financial Corp","state":"CT","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000801337-26-000008-0a759f1b1a5d","quote":"AI models, including generative AI models, may produce output or influence us or third-party service providers to take actions that are incorrect, that result in the release of private, confidential, or proprietary information","link":"https://www.sec.gov/Archives/edgar/data/801337/000080133726000008/wbs-20251231.htm#:~:text=AI%20models%2C%20including%20generative%20AI%20models%2C%20may%20produce,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"wintrust-financial-corp","name":"Wintrust Financial Corp","state":"IL","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001015328-26-000007-50ebb9ab8fb0","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.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"zions-bancorporation-national-association-ut","name":"Zions Bancorporation, National Association","state":"UT","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000109380-26-000046-016a546263b2","quote":"Emerging technologies—including generative AI, mobile platforms, quantum computing, and cloud computing—continue to heighten operational and cybersecurity risks.","link":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm#:~:text=Emerging%20technologies%E2%80%94including%20generative%20AI%2C%20mobile%20platforms%2C%20quantum%20computing%2C,exacerbated%20by%20the%20use%20of%20AI.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"alerus-financial-corp","name":"Alerus Financial Corp","state":"ND","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-006820-71547276df28","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/903419/000143774926006820/alrs20251231_10k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,developed%20by%20the%20Company%E2%80%99s%20third%2Dparty%20partners.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"ames-national-corp","name":"Ames National Corp","state":"IA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-007976-ead4617de2c1","quote":"The development and use of AI presents potential risks and challenges to our business and may require significant additional investments in infrastructure, personnel and training.","link":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926007976/atlo20251231_10k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,those%20developed%20by%20our%20third%2Dparty%20partners.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bank-first-corp","name":"Bank First Corp","state":"WI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-021567-94db198ce3db","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/1746109/000110465926021567/bfc-20251231x10k.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%20party%29,be%20dependent%20in%20part%20on%20the","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":"bar-harbor-bankshares","name":"Bar Harbor Bankshares","state":"ME","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-027217-0b22fc596cec","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","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"blue-ridge-bankshares-inc","name":"Blue Ridge Bankshares, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-104410-f56e1de40b3d","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/842717/000119312526104410/brbs-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20vendors%2C%20clients%2C%20or,the%20effectiveness%20of%20its%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bridgewater-bancshares-inc","name":"Bridgewater Bancshares Inc","state":"MN","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-020063-f26260d9dbde","quote":"Artificial intelligence algorithms may be flawed, for example datasets may contain biased information or otherwise be","link":"https://www.sec.gov/Archives/edgar/data/1341317/000110465926020063/bwb-20251231x10k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,contain%20biased%20information%20or%20otherwise%20be","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":"california-bancorp-ca","name":"California BanCorp","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001795815-26-000005-c16cbfe7f808","quote":"The use of artificial intelligence in our marketplace may result in reputational harm or liability, or could otherwise adversely affect our business.","link":"https://www.sec.gov/Archives/edgar/data/1795815/000179581526000005/bcal-20251231.htm#:~:text=The%20use%20of%20artificial%20intelligence%20in%20our%20marketplace,those%20developed%20by%20our%20third%2Dparty%20partners.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"carter-bankshares-inc","name":"Carter Bankshares, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001829576-26-000018-a98ad0a2c4d7","quote":"AI models, particularly generative AI tools, may produce inaccurate, incomplete, or misleading outputs; reflect biases presented in training data; improperly disclose confidential, proprietary, or personal information; or infringe upon the intellectual property rights of others.","link":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000018/care-20251231.htm#:~:text=AI%20models%2C%20particularly%20generative%20AI%20tools%2C%20may%20produce,management%2C%20regulatory%20compliance%20and%20decision%2Dmaking%20processes.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"central-pacific-financial-corp","name":"Central Pacific Financial Corp","state":"HI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000701347-26-000021-59e43098ad67","quote":"The techniques used in cyberattacks change rapidly and are increasingly sophisticated, including the use of generative artificial intelligence and deepfakes, and potential future use of quantum computing, and as a result, cyberattacks or data security breaches may be more difficult to anticipate.","link":"https://www.sec.gov/Archives/edgar/data/701347/000070134726000021/cpf-20251231.htm#:~:text=As%20a%20financial%20institution%2C%20we%20are%20susceptible%20to,may%20be%20more%20difficult%20to%20anticipate.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"citizens-and-northern-corp","name":"Citizens & Northern Corp","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-024613-05b0a732f5bd","quote":"The development and use of AI presents a number of risks and challenges to the Corporation'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/810958/000110465926024613/cznc-20251231x10k.htm#:~:text=Artificial%20Intelligence%20Risks%20and%20Challenges%20%2D%20The%20Corporation,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"colony-bankcorp-inc","name":"Colony Bankcorp Inc","state":"GA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000711669-26-000007-a8531025a3ed","quote":"AI models, particularly generative AI models, may produce output 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/711669/000071166926000007/cban-20251231.htm#:~:text=privacy%2C%20security%2C%20consumer%20protection%2C%20employment%2C%20and%20other%20laws,technologies%20effectively%20relative%20to%20our%20peers.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"columbia-banking-system-inc","name":"Columbia Banking System, Inc.","state":"WA","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0000887343-26-000088-32b5f4845fcb","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, both in the U.S. and internationally","link":"https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20%28or%20fourth%2Dparty%29%20vendors%2C%20clients,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"community-west-bancshares-1127371","name":"Community West Bancshares","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-016895-288a0a0278cd","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, both in the U.S. and internationally","link":"https://www.sec.gov/Archives/edgar/data/1127371/000162828026016895/cvcy-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,we%20may%20have%20limited%20visibility.%20Any","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"equity-bancshares-inc","name":"Equity Bancshares Inc","state":"KS","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-100184-e2c1a8bcc2de","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/1227500/000119312526100184/eqbk-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%20party%29,their%20models%20and%20the%20effectiveness%20of","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"fvcbankcorp-inc","name":"FVCBankcorp, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001675644-26-000023-d0c69cc6a9f9","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","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"farmers-and-merchants-bancorp","name":"Farmers & Merchants Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001140361-26-009383-8284f4b63c8a","quote":"Emerging technologies, such as artificial intelligence (including machine learning and generative artificial intelligence) 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/1085913/000114036126009383/fmcb-20251231.htm#:~:text=In%202025%2C%20the%20OCC%20announced%20its%20conditional%20approval,successfully%20against%20current%20and%20future%20competitors.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"fidelity-d-and-d-bancorp-inc","name":"Fidelity D & D Bancorp Inc","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-008215-d607a648539a","quote":"Its 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/1098151/000143774926008215/fdbc20260301_10k.htm#:~:text=Data%20practices%20by%20the%20Company%20or%20others%20that,incorporate%20AI%20more%20quickly%20or%20successfully.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-community-corp-sc","name":"First Community Corp","state":"SC","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001552781-26-000126-4d42413644f0","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.","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":"first-keystone-corp","name":"First Keystone Corp","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000737875-26-000009-94fe989e78db","quote":"The Corporation'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/737875/000073787526000009/fkys-20251231x10k.htm#:~:text=Data%20practices%20by%20the%20Corporation%20or%20others%20that,incorporate%20AI%20more%20quickly%20or%20successfully.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-us-bancshares-inc","name":"First Us Bancshares, Inc.","state":"AL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-103635-1f2fc3f08ac1","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/717806/000119312526103635/fusb-20251231.htm#:~:text=We%20are%20also%20exposed%20to%20risks%20arising%20from,pose%20a%20threat%20to%20financial%20stability.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-western-financial-inc","name":"First Western Financial Inc","state":"CO","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-012825-f3359645ff27","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/1327607/000162828026012825/myfw-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%20party%29,the%20effectiveness%20of%20its%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"firstsun-capital-bancorp","name":"Firstsun Capital Bancorp","state":"CO","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001709442-26-000017-25a1269e35e6","quote":"the increased sophistication and activities of organized crime, hackers, terrorists, activists, and other external parties, any of which may see their effectiveness increase as a result of artificial intelligence (“AI”), including the use of generative AI to conduct more sophisticated social","link":"https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm#:~:text=We%20rely%20heavily%20on%20communications%20and%20information%20systems,systems%20and%20infrastructure%20must%20continue%20to","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"franklin-financial-services-corp-pa","name":"Franklin Financial Services Corp","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000723646-26-000016-94fe989e78db","quote":"The Corporation'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/723646/000072364626000016/fraf-20251231x10k.htm#:~:text=Data%20practices%20by%20the%20Corporation%20or%20others%20that,incorporate%20AI%20more%20quickly%20or%20successfully.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"gbank-financial-holdings-inc","name":"GBank Financial Holdings Inc.","state":"NV","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-129567-15209a3c8f11","quote":"The legal and regulatory environment relating to AI is uncertain and rapidly evolving, both in the United States and internationally, and includes regulatory schemes targeted specifically at AI as well as provisions in intellectual property, privacy, consumer protection, employment, and other laws","link":"https://www.sec.gov/Archives/edgar/data/1791145/000119312526129567/gbfh-20251231.htm#:~:text=The%20legal%20and%20regulatory%20environment%20relating%20to%20AI,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"hbt-financial-inc","name":"HBT Financial, Inc.","state":"IL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000775215-26-000025-f357e8d6edb9","quote":"emerging trends, such as generative artificial intelligence, have the potential to disrupt the banking industry. Although generative artificial intelligence offers opportunities to enhance operational efficiency, it also introduces risks, including fraud, security vulnerabilities, and compliance","link":"https://www.sec.gov/Archives/edgar/data/775215/000077521526000025/hbt-20251231.htm#:~:text=In%20addition%2C%20emerging%20trends%2C%20such%20as%20generative%20artificial,financial%20condition%20or%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"hawthorn-bancshares-inc","name":"Hawthorn Bancshares, Inc.","state":"MO","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000893847-26-000037-d4ee53aa3056","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"hilltop-holdings-inc","name":"Hilltop Holdings Inc.","state":"TX","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-015264-f93b5b3d5452","quote":"any implementation by us 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/1265131/000110465926015264/hth-20251231x10k.htm#:~:text=Additionally%2C%20any%20implementation%20by%20us%20of%20certain%20new,Although%20we%20take%20steps%20to%20mitigate","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"home-bancshares-inc","name":"Home Bancshares Inc","state":"AR","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001331520-26-000051-de264d5edd08","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"hope-bancorp-inc","name":"Hope Bancorp Inc","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001128361-26-000011-9d86270f9572","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"independent-bank-corp","name":"Independent Bank Corp","state":"MA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000776901-26-000058-2a1184d06215","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"john-marshall-bancorp-inc","name":"John Marshall Bancorp, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-027378-e336a71cc2a8","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","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"landmark-bancorp-inc","name":"Landmark Bancorp Inc","state":"KS","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001493152-26-016495-ec43484b27e8","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"m-and-t-bank-corp","name":"M&T Bank Corp","state":"NY","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0000036270-26-000010-473c7eb0b1d7","quote":"AI models, including generative AI models may produce output or influence the Company or its third-party service providers to take actions that are incorrect, that result in the release of private, confidential or proprietary information","link":"https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm#:~:text=AI%20models%2C%20including%20generative%20AI%20models%20may%20produce,the%20effectiveness%20of%20its%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"merchants-bancorp","name":"Merchants Bancorp","state":"IN","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-021549-d19d168cc91a","quote":"AI use cases have varied widely and include customer chatbots, fraud detection, and credit scoring. Generative AI in particular has garnered significant attention recently, following the commercial availability of large language model tools","link":"https://www.sec.gov/Archives/edgar/data/1629019/000110465926021549/mbin-20251231x10k.htm#:~:text=Advances%20in%20computing%20capacity%2C%20combined%20with%20greater%20availability,of%20generative%20AI%20more%20widely%20accessible.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"metrocity-bankshares-inc","name":"MetroCity Bankshares, Inc.","state":"GA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001747068-26-000010-95e5bad85059","quote":"AI models, particularly generative AI models, may produce output 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/1747068/000174706826000010/mcbs-20251231x10k.htm#:~:text=provisions%20in%20intellectual%20property%2C%20privacy%2C%20security%2C%20consumer%20protection%2C,technologies%20effectively%20relative%20to%20our%20peers.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"national-bankshares-inc","name":"National Bankshares Inc","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-128311-6da71ffa9082","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","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"northpointe-bancshares-inc","name":"Northpointe Bancshares Inc","state":"MI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001336706-26-000020-4da8d7712f0d","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/1336706/000133670626000020/npb-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%20party%29,of%20any%20unauthorized%20material%20in%20the","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"old-second-bancorp-inc","name":"Old Second Bancorp Inc","state":"IL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-020393-6e43b7e32625","quote":"The development and use of AI present a number of risks and challenges to our 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/357173/000110465926020393/osbc-20251231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20%28or%20fourth%20party%29%20vendors%2C,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"orrstown-financial-services-inc","name":"Orrstown Financial Services Inc","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-017278-fb4a05d991d8","quote":"Emerging technologies, such as artificial intelligence (including machine learning and generative artificial intelligence) and quantum computing, have the potential to further intensify competition and accelerate disruption in the financial services industry.","link":"https://www.sec.gov/Archives/edgar/data/826154/000162828026017278/orrf-20251231.htm#:~:text=We%20operate%20in%20a%20highly%20competitive%20environment%20that,our%20results%20of%20operations%20and%20reputation.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"pcb-bancorp","name":"PCB Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001423869-26-000006-1bfee3692952","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/1423869/000142386926000006/pcb-20251231.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,those%20developed%20by%20our%20third%2Dparty%20partners.","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-f9cc45cc70b7","quote":"We are also exposed to the risk that generative AI models may produce incorrect outputs, release confidential information, reflect biases, infringe intellectual property, or otherwise cause harm.","link":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000116/cash-20250930.htm#:~:text=We%20are%20also%20exposed%20to%20the%20risk%20that,harm%20our%20business%20or%20financial%20results.","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":"peoples-financial-services-corp","name":"Peoples Financial Services Corp.","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-028106-0ae7d8ff1b57","quote":"AI models, particularly generative AI models, may produce output 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/1056943/000110465926028106/pfis-20251231x10k.htm#:~:text=consumer%20protection%2C%20employment%2C%20and%20other%20areas%20of%20laws,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"pinnacle-financial-partners-inc-2082866","name":"Pinnacle Financial Partners, Inc.","state":"GA","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0002082866-26-000018-256219bdca12","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/2082866/000208286626000018/pnfp-20251231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,condition%2C%20results%20of%20operations%20and%20liquidity.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"primis-financial-corp","name":"Primis Financial Corp.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-028599-84a89353d8a1","quote":"The development and use of AI present a number of risks and challenges to our 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/1325670/000110465926028599/frst-20251231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20%28or%20fourth%20party%29%20vendors%2C,we%20may%20rely%20on%20AI%20models","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"qcr-holdings-inc","name":"QCR Holdings Inc","state":"IL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-021531-25341fcd7db1","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/906465/000110465926021531/qcrh-20251231x10k.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,those%20developed%20by%20our%20third%2Dparty%20partners.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"red-river-bancshares-inc","name":"Red River Bancshares Inc","state":"LA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001071236-26-000027-2477dd7c7f4a","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/1071236/000107123626000027/rrbi-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20%28or%20fourth%2Dparty%29%20vendors%2C%20clients%2C,the%20public%20perception%20of%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"seacoast-banking-corp-of-florida","name":"Seacoast Banking Corp of Florida","state":"FL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-012787-15b3d0ed9229","quote":"The legal and regulatory environment applicable to AI is uncertain, rapidly evolving, and includes both AI specific regulatory schemes and broader requirements under intellectual property, privacy, consumer protection, employment, and other laws.","link":"https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm#:~:text=We%20and%20our%20third%20party%20%28or%20fourth%20party%29,liability%2C%20regulatory%20scrutiny%2C%20or%20reputational%20harm.","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":"smartfinancial-inc","name":"Smartfinancial Inc.","state":"TN","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-028542-83dd0ea0ef7f","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, both in the U.S. and internationally","link":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926028542/smbk-20251231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20%28or%20fourth%2Dparty%29%20vendors%2C%20clients,the%20release%20of%20private%2C%20confidential%2C%20or","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"southern-first-bancshares-inc","name":"Southern First Bancshares Inc","state":"SC","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001206774-26-000084-b3dec2979921","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.","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-aee1dea21831","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/705432/000070543226000034/sbsi-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%20party%29,the%20effectiveness%20of%20its%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"stellar-bancorp-inc","name":"Stellar Bancorp, Inc.","state":"TX","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001473844-26-000006-c0b192d0a17e","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/1473844/000147384426000006/stel-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20%28or%20fourth%2Dparty%29%20vendors%2C,capabilities%20of%20the%20AI%20models%2C%20reducing","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"texas-capital-bancshares-inc-tx","name":"Texas Capital Bancshares Inc","state":"TX","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001077428-26-000010-b5d6aa54a582","quote":"The development and use of AI presents risks and challenges that may adversely impact the Company’s business. The Company or its third-party (or fourth 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/1077428/000107742826000010/tcbi-20251231.htm#:~:text=The%20development%20and%20use%20of%20AI%20presents%20risks,operation%20of%20AI%20models%2C%20understanding%20and","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"tri-county-financial-group-inc","name":"Tri-County Financial Group, Inc.","state":"IL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001493152-26-009243-ec43484b27e8","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"trustco-bank-corp-n-y","name":"TrustCo Bank Corp NY","state":"NY","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001140361-26-009576-1f2fc3f08ac1","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.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"united-community-banks-inc","name":"United Community Banks Inc","state":"SC","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000857855-26-000008-77b6342e180c","quote":"The emergence and maturation of artificial intelligence capabilities has led to new and/or more sophisticated methods of attack, including fraud that relies upon “deep fake” impersonation technology, or other forms of generative automation that have scaled up the effectiveness of cyber threat","link":"https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm#:~:text=Certain%20new%20technologies%2C%20such%20as%20the%20use%20of,to%20detect%20and%20prevent%20fraudulent%20transactions.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"virginia-national-bankshares-corp","name":"Virginia National Bankshares Corp","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-128416-acb771bcf9ab","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/1572334/000119312526128416/vabk-20251231.htm#:~:text=The%20Company%20or%20its%20third%2Dparty%20vendors%2C%20clients%2C%20or,the%20effectiveness%20of%20its%20security%20measures.","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-f9e07b55ea24","quote":"AI models, particularly generative or agentic AI models, may produce outputs or take action that is incorrect, that","link":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm#:~:text=compliance.%20AI%20models%2C%20particularly%20generative%20or%20agentic%20AI,take%20action%20that%20is%20incorrect%2C%20that","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"washington-trust-bancorp-inc","name":"Washington Trust Bancorp Inc","state":"RI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000737468-26-000034-2f9107116732","quote":"Emerging technologies, such as artificial intelligence (including machine learning and generative artificial intelligence) and quantum computing, have the potential to further intensify competition and accelerate disruption in the financial services industry.","link":"https://www.sec.gov/Archives/edgar/data/737468/000073746826000034/wash-20251231.htm#:~:text=We%20operate%20in%20a%20highly%20competitive%20environment%20that,our%20results%20of%20operations%20and%20reputation.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"west-bancorporation-inc","name":"West Bancorporation Inc","state":"IA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001166928-26-000010-f88a46216e42","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/1166928/000116692826000010/wtba-20251231.htm#:~:text=Artificial%20intelligence%2C%20including%20generative%20artificial%20intelligence%2C%20is%20or,those%20developed%20by%20our%20third%2Dparty%20partners.","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"}},{"slug":"wilson-bank-holding-co","name":"Wilson Bank Holding Co","state":"TN","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-082893-5d7633a0c59c","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","mention_words":"Sees AI as a risk","detail_words":"General"}}]}