{"slug":"operations","title":"AI in operations","intro":"Banks that say they use or plan AI to run operations more efficiently.","keywords":["operations","efficiency","automation","workflow","back office"],"year":2025,"numbers":{"n":57,"total":270,"pct":0.2111},"trend":[{"year":2022,"n":8,"total":298,"pct":0.0268},{"year":2023,"n":11,"total":297,"pct":0.037},{"year":2024,"n":28,"total":284,"pct":0.0986},{"year":2025,"n":57,"total":270,"pct":0.2111}],"banks":[{"slug":"princeton-bancorp-inc","name":"Princeton Bancorp, Inc.","state":"PA","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001193125-26-106151-7c4bb0cd2667","quote":"These include Sophos for advanced cybersecurity threat detection and response, Verafin for fraud detection and AML compliance, the Glia Chatbot for enhancing customer service interactions, and CATO Networks for AI-driven network security and optimization.","link":"https://www.sec.gov/Archives/edgar/data/1913971/000119312526106151/bprn-20251231.htm#:~:text=The%20Bank%20does%20not%20utilize%20AI%20for%20decision%2Dmaking,the%20Company%E2%80%99s%20business%20or%20financial%20results.","mention_words":"Using AI now","detail_words":"Concrete example"}},{"slug":"triumph-financial-inc","name":"Triumph Financial, Inc.","state":"TX","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001539638-26-000007-7769f677374b","quote":"In 2024, we launched our instant purchase decision model to augment and add efficiencies to invoice purchase underwriting in our factoring business. This model uses machine learning and artificial intelligence, based on a rule set established by our risk model that we have developed over our","link":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000007/tfin-20251231.htm#:~:text=Our%20transportation%20payments%20products%20%28i.e.%2C%20factoring%20and%20payments%29,we%20analyze%20to%20determine%20credit%20risk.","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":"0000035527-26-000124-6c3e9ebe73ca","quote":"Fifth Third may utilize new technology, such as AI, in connection with its business and operations. AI may be developed internally by Fifth Third, or may be provided to Fifth Third by third- or fourth-party service providers. Any such new technology could have a significant impact on the","link":"https://www.sec.gov/Archives/edgar/data/35527/000003552726000124/fitb-20251231.htm#:~:text=Further%2C%20Fifth%20Third%20may%20utilize%20new%20technology%2C%20such,financial%20condition%20and%20results%20of%20operations.","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":"0000040729-26-000005-654900cf70b7","quote":"advancing technology that powers dealer and consumer centric products and services leveraging our ongoing investment in data and AI","link":"https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm#:~:text=Our%20long%2Dterm%20strategic%20objectives%20are%20centered%20around%20%281%29,implementation%20of%20AI%20and%20automation%20solutions.","mention_words":"General statement about AI","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":"atlantic-union-bankshares-corp","name":"Atlantic Union Bankshares Corp","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000883948-26-000021-0d7797aa6c4c","quote":"Some models we use employ methodologies based on artificial intelligence or machine learning. These models may have unique complexities when compared to more traditional models, such as the need for large and representative datasets for training, the increased potential for bias, and the difficulty","link":"https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm#:~:text=The%20use%20of%20statistical%20and%20quantitative%20models%20and,or%20other%20business%20or%20financial%20decisions.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"avidbank-holdings-inc","name":"Avidbank Holdings, Inc.","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-008852-232dffadcf79","quote":"we currently use a software product with AI technology to enhance our fraud detection capabilities for our clients’ banking activity","link":"https://www.sec.gov/Archives/edgar/data/1443575/000143774926008852/avbh20251231_10k.htm#:~:text=We%20intend%20to%20selectively%20incorporate%20AI%20technology%20in,their%20business%20processes%2C%20services%20or%20products.","mention_words":"Using AI now","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-f50ec5adebd7","quote":"We continue to invest in our infrastructure, with a focus on investing in automation and AI tools to gain cost efficiency and increase productivity of our people and platform","link":"https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm#:~:text=Historically%2C%20we%20have%20made%20significant%20investments%20in%20our,affecting%20our%20relationships%20with%20our%20customers.","mention_words":"Testing or planning AI","detail_words":"Names an area"}},{"slug":"bank-of-america-corp-de","name":"Bank of America Corp","state":"NC","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000070858-26-000157-1d80ced0abb1","quote":"Under our Enterprise Model Risk Policy, Model Risk Management is required to perform end-to-end model oversight, including independent validation before initial use, implementation monitoring, ongoing monitoring reviews through outcomes analysis and benchmarking, and periodic revalidation.","link":"https://www.sec.gov/Archives/edgar/data/70858/000007085826000157/bac-20251231.htm#:~:text=We%20use%20models%20enterprise%2Dwide%2C%20including%20to%20forecast%20losses%2C,from%20applications%20that%20rely%20on%20AI.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"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":"0001390777-26-000033-4cb655c1ee5a","quote":"Our use and deployment of artificial intelligence, for example digital engineers and other digital employees, has introduced operational and control risks, including the risk of potential errors in automated decision-making, challenges in oversight and accountability, increased vulnerability to","link":"https://www.sec.gov/Archives/edgar/data/1390777/000139077726000033/bk-20251231_d2.htm#:~:text=technologies%20expediently%20or%20if%20we%20are%20not%20able,affect%20our%20financial%20condition%20and%20reputation.","mention_words":"Sees AI as a risk","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":"cnb-financial-corp-pa","name":"CNB Financial Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000736772-26-000031-9a4d2c858a25","quote":"We have begun to utilize AI technologies in various aspects of our business, including internal training material creation.","link":"https://www.sec.gov/Archives/edgar/data/736772/000073677226000031/ccne-20251231.htm#:~:text=We%20have%20begun%20to%20utilize%20AI%20technologies%20in,could%20expose%20us%20to%20legal%20risks.","mention_words":"Using AI now","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-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":"0001628280-26-020177-78a4a9a38a57","quote":"We have incorporated, and may in the future further incorporate, AI technology in certain business processes, services, and products, including technologies that process sensitive financial and/or personal data. We currently rely on AI tools and models provided by third-party vendors","link":"https://www.sec.gov/Archives/edgar/data/1392272/000162828026020177/chnbrdg-20251231.htm#:~:text=We%20have%20incorporated%2C%20and%20may%20in%20the%20future,that%20allow%20the%20creation%20of%20custom","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"choiceone-financial-services-inc","name":"Choiceone Financial Services Inc","state":"MI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-105046-5846386aa1a0","quote":"we are experimenting with automation and AI‑driven solutions designed to modernize processes to augment the ability for our existing staff to manage our growth","link":"https://www.sec.gov/Archives/edgar/data/803164/000119312526105046/cofs-20251231.htm#:~:text=Noninterest%20expense%20increased%20by%20%2454.0%20million%20for%20the,existing%20staff%20to%20manage%20our%20growth.","mention_words":"Testing or planning AI","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":"coastal-financial-corp","name":"Coastal Financial Corp","state":"WA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437958-26-000013-35c03e9e5370","quote":"We currently use, and may in the future evaluate or implement, artificial intelligence (“AI”), automation, and similar technologies to support certain internal processes or business functions.","link":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000013/ck1437958-20251231.htm#:~:text=We%20currently%20use%2C%20and%20may%20in%20the%20future,and%20regulations%20could%20be%20adversely%20affected.","mention_words":"Using AI now","detail_words":"Names an area"}},{"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":"0001104659-26-021651-156bfc50ae65","quote":"CFSI maintains enterprise-wide AI and Data Governance frameworks designed to promote the accuracy, privacy, security, and responsible use of data and AI across our operations. Executive oversight is provided by the Management Risk Committee and IT Steering Committee","link":"https://www.sec.gov/Archives/edgar/data/723188/000110465926021651/cbu-20251231x10k.htm#:~:text=CFSI%20maintains%20enterprise%2Dwide%20AI%20and%20Data%20Governance%20frameworks,evolving%20regulatory%20requirements%20and%20technological%20advances.","mention_words":"Explains how AI is controlled","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":"0001437749-26-005320-2c51df62b3b6","quote":"We have begun and intend to continue to selectively incorporate AI technology in certain business processes, fraud detections, services or products, including technologies that process sensitive financial and/or personal data.","link":"https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm#:~:text=We%20have%20begun%20and%20intend%20to%20continue%20to,their%20business%20processes%2C%20services%20or%20products.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"customers-bancorp-inc","name":"Customers Bancorp, Inc.","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001488813-26-000029-f92c1f54c6bc","quote":"In 2025, the Bank launched enterprise-wide training covering foundational AI concepts, responsible-use protocols, and real-world applications tailored to business needs. These initiatives have already generated measurable efficiencies and continue to accelerate the integration of AI into core","link":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000029/cubi-20251231.htm#:~:text=%E2%80%A2Artificial%20Intelligence%20Proficiency%20and%20Enablement%20%E2%80%93%20The%20Bank,into%20core%20processes%20across%20business%20lines.","mention_words":"Using AI now","detail_words":"Names an area"}},{"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-c9c8b8495541","quote":"continually make technological investments to remain competitive in the financial services industry, including the use of AI.","link":"https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm#:~:text=The%20ability%20to%20deploy%20and%20use%20technology%20effectively,efficiently%20grow%20and%20expand%20customer%20relationships.","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":"financial-institutions-inc","name":"Financial Institutions Inc","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-098467-08ee92398bef","quote":"we face the risk of associates utilizing unauthorized publicly sourced AI tools to complete business functions. Unauthorized use of AI tools could lead to the unintended exposure of confidential data, use of inaccurate results","link":"https://www.sec.gov/Archives/edgar/data/862831/000119312526098467/fisi-20251231.htm#:~:text=The%20emergence%20of%20AI%20is%20an%20example%20of,being%20used%20to%20train%20AI%20systems.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"finwise-bancorp","name":"Finwise Bancorp","state":"UT","size_group":"Under $1B","max_detail":2,"quote":{"passage_id":"0001856365-26-000006-d169c026cb44","quote":"We use generative AI for certain tasks like document drafting and data analysis, with an implementation of strict controls to protect customer data. Third-party AI assists us in cybersecurity, fraud detection, and code review, while our own agents handle compliance, policy analysis, and workflow","link":"https://www.sec.gov/Archives/edgar/data/1856365/000185636526000006/finw-20251231.htm#:~:text=We%20selectively%20employ%20AI%20through%20productivity%20tools%2C%20third%2Dparty,risks%20and%20challenges%20to%20our%20business.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"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-business-financial-services-inc","name":"First Business Financial Services, Inc.","state":"WI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-071523-629dc46ae9ac","quote":"Provided employees with extensive artificial intelligence tools training to enhance productivity and proficiency, modernize workflows, and improve operational efficiency across the Company.","link":"https://www.sec.gov/Archives/edgar/data/1521951/000119312526071523/fbiz-20251231.htm#:~:text=Provided%20employees%20with%20extensive%20artificial%20intelligence%20tools%20training,improve%20operational%20efficiency%20across%20the%20Company.","mention_words":"Using AI now","detail_words":"Names an area"}},{"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":"huntington-bancshares-inc-md","name":"Huntington Bancshares Inc","state":"OH","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000049196-26-000015-45497db4c9e1","quote":"We use AI in connection with our business and operations, which exposes us to inherent risks that may expose us to material harm.","link":"https://www.sec.gov/Archives/edgar/data/49196/000004919626000015/hban-20251231.htm#:~:text=%E2%80%A2We%20use%20AI%20in%20connection%20with%20our%20business,may%20expose%20us%20to%20material%20harm.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"independent-bank-corp-mi","name":"Independent Bank Corp","state":"MI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000039311-26-000009-ea2d79f04052","quote":"We use artificial intelligence (\"AI\") and machine learning technologies in certain aspects of our operations. While these technologies can provide significant benefits, they also present risks that could adversely affect our business.","link":"https://www.sec.gov/Archives/edgar/data/39311/000003931126000009/ibcp-20251231_d2.htm#:~:text=We%20use%20artificial%20intelligence%20%28%22AI%22%29%20and%20machine%20learning,compliance%20costs%2C%20or%20face%20enforcement%20actions.","mention_words":"Sees AI as a risk","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-baf8e0d88184","quote":"A dedicated independent function, Model Risk Governance and Review (“MRGR”), defines and governs the Firm’s policies relating to the management of model risk and risks associated with certain analytical and judgment-based estimations","link":"https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm#:~:text=The%20Firm%20uses%20models%20and%20other%20analytical%20and,forecasting%20and%20capital%20planning%20and%20analysis.","mention_words":"Explains how AI is controlled","detail_words":"Names an area"}},{"slug":"lcnb-corp","name":"LCNB Corp","state":"OH","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-007758-3b69f9956e20","quote":"LCNB has implemented technologies that utilize artificial intelligence in connection with LCNB’s business and operations in order to scale its business, but the outcome of implementation may not realize all the benefits LCNB is hoping to scale.","link":"https://www.sec.gov/Archives/edgar/data/1074902/000143774926007758/lcnb20251231_10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,affect%20LCNB%E2%80%99s%20growth%2C%20revenue%20and%20profit.","mention_words":"Sees AI as a 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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 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the","link":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926018208/mcb-20251231x10k.htm#:~:text=Due%20to%20the%20Company%E2%80%99s%20dependence%20on%20information%20technology,financial%20condition%2C%20or%20results%20of%20operations.","mention_words":"Testing or planning AI","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":"0001628280-26-016503-98fdccb8c9e8","quote":"we leverage software and artificial intelligence (“AI”) to extract, process and exchange information from borrowers and businesses in need of a business or financial solution.","link":"https://www.sec.gov/Archives/edgar/data/1587987/000162828026016503/newt-20251231.htm#:~:text=Through%20our%20NewTracker%20platform%2C%20we%20have%20historically%20received,of%20a%20business%20or%20financial%20solution.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"northern-trust-corp","name":"Northern Trust Corp","state":"IL","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000073124-26-000016-2565ba683121","quote":"Northern Trust uses a variety of machine learning and artificial intelligence (AI) solutions to process transactional activity more efficiently and to mitigate risk. These uses currently include, among others, digitizing documents, detecting anomalous, fraudulent transactions and training services","link":"https://www.sec.gov/Archives/edgar/data/73124/000007312426000016/ntrs-20251231.htm#:~:text=Northern%20Trust%20uses%20a%20variety%20of%20machine%20learning,training%20services%20teams%20on%20operational%20processes.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"ofg-bancorp","name":"OFG Bancorp","state":"PR","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001030469-26-000008-ca80bfb616b8","quote":"We have adopted AI technologies for certain aspects of our operations, mainly customer service channels and data analytics, and may further incorporate AI capabilities in the future.","link":"https://www.sec.gov/Archives/edgar/data/1030469/000103046926000008/ofg-20251231.htm#:~:text=We%20have%20adopted%20AI%20technologies%20for%20certain%20aspects,that%20affect%20our%20operations%20or%20services.","mention_words":"Using AI now","detail_words":"Names an area"}},{"slug":"oceanfirst-financial-corp","name":"Oceanfirst Financial Corp","state":"NJ","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001004702-26-000015-35bf88b5fe60","quote":"The Company’s investment in technology, including modern data model incorporating artificial intelligence into processing efforts, lays a foundation for future growth, scale, and operational efficiency","link":"https://www.sec.gov/Archives/edgar/data/1004702/000100470226000015/ocfc-20251231.htm#:~:text=The%20Company%20relies%20on%20technology%20and%20the%20resources,new%20lending%20and%20customer%20self%2Dservice%20capabilities.","mention_words":"Testing or planning AI","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":"0001104659-26-028308-6c616bb4220b","quote":"investment in data mining and artificial intelligence","link":"https://www.sec.gov/Archives/edgar/data/1754226/000110465926028308/obt-20251231x10k.htm#:~:text=%E2%80%A2Computer%20software%20expense%20increased%20as%20part%20of%20technology,in%20data%20mining%20and%20artificial%20intelligence.","mention_words":"Testing or planning AI","detail_words":"Names an area"}},{"slug":"pnc-financial-services-group-inc","name":"PNC Financial Services Group","state":"PA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000713676-26-000020-520e1ee84ff9","quote":"We use automation, machine learning, AI and robotic process automation tools to help reduce some risks of human error. 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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-a035d895c685","quote":"we utilize certain AI solutions to support, inform, or augment decision-making and client interactions, with all final actions subject to human oversight and review","link":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm#:~:text=We%20are%20in%20the%20early%20stages%20of%20integrating,which%20could%20indirectly%20impact%20our%20business.","mention_words":"Using AI now","detail_words":"Names an area"}}]}