{"slug":"risk","title":"AI as a risk","intro":"Banks that list AI as a risk to their business.","keywords":["risk","risks","risk factor","threat"],"year":2025,"numbers":{"n":231,"total":270,"pct":0.8556},"trend":[{"year":2022,"n":21,"total":298,"pct":0.0705},{"year":2023,"n":113,"total":297,"pct":0.3805},{"year":2024,"n":187,"total":284,"pct":0.6585},{"year":2025,"n":231,"total":270,"pct":0.8556}],"banks":[{"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-f997aa999336","quote":"The Corporation implemented a form of AI with its intelligent digital assistant, Gabby, available through the Bank’s website.","link":"https://www.sec.gov/Archives/edgar/data/714562/000071456226000014/thff-20251231x10k.htm#:~:text=The%20Corporation%20implemented%20a%20form%20of%20AI%20with,financial%20condition%2C%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"Concrete example"}},{"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-f531789cfe61","quote":"The development and use of AI present risks and challenges that may adversely impact our business.","link":"https://www.sec.gov/Archives/edgar/data/46195/000004619526000015/boh-20251231.htm#:~:text=The%20development%20and%20use%20of%20AI%20present%20risks%20and%20challenges%20that%20may%20adversely%20impact%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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-b42cd2d8c35b","quote":"We are subject to risks associated with the adoption of new technologies such as AI.","link":"https://www.sec.gov/Archives/edgar/data/1403475/000140347526000018/bmrc-20251231.htm#:~:text=We%20are%20subject%20to%20risks%20associated%20with%20the%20adoption%20of%20new%20technologies%20such%20as%20AI.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"capital-bancorp-inc","name":"Capital Bancorp Inc","state":"MD","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001419536-26-000073-a5ecc9e2698b","quote":"We are evaluating and may continue to expand our use of AI, and other emerging technologies in various aspects of our operations, including customer service, internal processes, risk management, and data analytics.","link":"https://www.sec.gov/Archives/edgar/data/1419536/000141953626000073/cbnk-20251231.htm#:~:text=We%20are%20evaluating%20and%20may%20continue%20to%20expand,their%20adoption%20presents%20risks%20and%20challenges.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"central-bancompany-inc","name":"Central Bancompany, Inc.","state":"MO","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001628280-26-021067-189b8b90cfea","quote":"the implementation of technological changes, such as AI technologies, and upgrades to maintain current systems and integrate new systems may also cause service interruptions, transaction processing errors and system conversion delays and may cause us to fail to comply with applicable laws","link":"https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm#:~:text=We%20may%20not%20be%20able%20to%20effectively%20implement,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"princeton-bancorp-inc","name":"Princeton Bancorp, Inc.","state":"PA","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001193125-26-106151-6614da7a18ac","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/1913971/000119312526106151/bprn-20251231.htm#:~:text=We%20use%20AI%20in%20connection%20with%20our%20business,may%20expose%20us%20to%20material%20harm.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"triumph-financial-inc","name":"Triumph Financial, Inc.","state":"TX","size_group":"$1B to $50B","max_detail":3,"quote":{"passage_id":"0001539638-26-000007-613d21a64a1b","quote":"disruptions, outages, and other performance problems related to our platform due to a variety of factors, including infrastructure changes, introductions of new functionality (including functionality that incorporates artificial intelligence tools)","link":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000007/tfin-20251231.htm#:~:text=Our%20continued%20growth%20depends%20in%20part%20on%20the,of%20systems%20failures%20and%20similar%20events.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"us-bancorp-de","name":"U.S. Bancorp","state":"MN","size_group":"$50B and above","max_detail":3,"quote":{"passage_id":"0000036104-26-000011-af556fb4c0b2","quote":"The Company also uses several models that employ methodologies based on AI or machine learning, which bring unique complexities, such as the need for large datasets for training, the potential for algorithmic bias, and the need for greater explainability in interpreting model decisions.","link":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231_d2.htm#:~:text=The%20Company%E2%80%99s%20businesses%20may%20be%20adversely%20affected%20if,are%20flawed%20or%20incorporate%20unreliable%20data.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"1st-source-corp","name":"1ST Source Corp","state":"IN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000034782-26-000011-a756830a52ba","quote":"use of artificial intelligence (AI) and other disruptive problems caused by hackers","link":"https://www.sec.gov/Archives/edgar/data/34782/000003478226000011/source-20251231.htm#:~:text=Technology%20security%20breaches%20%E2%80%94%20Information%20security%20risks%20have,address%20all%20potential%20material%20adverse%20impacts.","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":"amalgamated-financial-corp","name":"Amalgamated Financial Corp.","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001823608-26-000048-6c142ef787cc","quote":"The NYDFS's requirement that banks maintain a comprehensive data lineage for AI models to prove they are not inadvertently using proxies for protected classes","link":"https://www.sec.gov/Archives/edgar/data/1823608/000182360826000048/amal-20251231.htm#:~:text=%E2%80%A2The%20NYDFS%27s%20requirement%20that%20banks%20maintain%20a%20comprehensive,codes%20as%20a%20proxy%20for%20race.","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":"0000004962-26-000080-4f7283242aa0","quote":"regulators and legislators have heightened their focus on the use of AI and machine learning (ML) through the application of existing laws and regulations as well as by adopting new laws and regulations, such as the EU AI Act and AI legislation in several U.S. states","link":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000080/axp-20251231.htm#:~:text=Our%20regulators%20are%20increasingly%20focused%20on%20ensuring%20that,use%2C%20recordkeeping%2C%20transparency%20and%20human%20oversight.","mention_words":"Sees AI as a risk","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":"0000007789-26-000071-154ebc6888fa","quote":"Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customers’ experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving","link":"https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business.","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":"0001437749-26-008852-7e9edad0fc7e","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":"0001295401-26-000002-6206259c6464","quote":"our decisions around investments in our infrastructure, redeployment of, or reduction in resources, and use of AI may not have the beneficial impact that we intended to our processes, efficiency, and results.","link":"https://www.sec.gov/Archives/edgar/data/1295401/000129540126000002/tbbk-20251231x10k.htm#:~:text=%EF%82%B7our%20decisions%20around%20investments%20in%20our%20infrastructure%2C%20redeployment,to%20our%20processes%2C%20efficiency%2C%20and%20results.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bank-of-america-corp-de","name":"Bank of America Corp","state":"NC","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000070858-26-000157-fdb841e72160","quote":"The interconnectedness and complexity of AI models may complicate oversight and compliance, and reliance on third‑party AI models further increases our risks due to limited visibility into their training data, methodologies and safeguards.","link":"https://www.sec.gov/Archives/edgar/data/70858/000007085826000157/bac-20251231.htm#:~:text=We%20and%20our%20regulators%20have%20an%20increased%20focus,in%20litigation%2C%20regulatory%20investigations%20and%20actions.","mention_words":"Sees AI as a risk","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":"0001390777-26-000033-0a7a022a14c8","quote":"The current U.S. presidential administration has issued executive orders associated with, among other things, federal policy concerning tariffs, artificial intelligence, and digital assets. As the federal government’s posture on these and other matters continues to evolve, BNY is reviewing the","link":"https://www.sec.gov/Archives/edgar/data/1390777/000139077726000033/bk-20251231_d2.htm#:~:text=The%20current%20U.S.%20presidential%20administration%20has%20issued%20executive,orders%20on%20its%20business%20and%20operations.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"bankwell-financial-group-inc","name":"Bankwell Financial Group, Inc.","state":"CT","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001505732-26-000046-4f6331353f4f","quote":"our current and potential future use of AI to support loan origination processes may introduce additional risk of inaccurate, incomplete, or misrepresented information","link":"https://www.sec.gov/Archives/edgar/data/1505732/000150573226000046/bwfg-20251231.htm#:~:text=When%20originating%20loans%2C%20we%20rely%20extensively%20on%20information,that%20all%20misrepresentations%20will%20be%20detected.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"baycom-corp","name":"BayCom Corp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001730984-26-000016-c47809a55961","quote":"Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.","link":"https://www.sec.gov/Archives/edgar/data/1730984/000173098426000016/bcml-20251231x10k.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny.","mention_words":"Sees AI as a risk","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-f6239ae34a6c","quote":"AI and our ability to implement and leverage AI to deliver new products and services to our customers present competitive risks.","link":"https://www.sec.gov/Archives/edgar/data/1702750/000119312526083194/by-20251231.htm#:~:text=AI%20and%20our%20ability%20to%20implement%20and%20leverage,to%20our%20customers%20present%20competitive%20risks.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"c-and-f-financial-corp","name":"C & F Financial Corp","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000913341-26-000010-84ed72a27bac","quote":"malicious actors are increasingly using AI, including generative AI, to create sophisticated scams, deepfakes, and phishing attacks, which may result in unauthorized account access or financial losses.","link":"https://www.sec.gov/Archives/edgar/data/913341/000091334126000010/cffi-20251231x10k.htm#:~:text=visibility.%20Additionally%2C%20malicious%20actors%20are%20increasingly%20using%20AI%2C,the%20effectiveness%20of%20our%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"cnb-financial-corp-pa","name":"CNB Financial Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000736772-26-000031-6657e68f10d8","quote":"Further, adoption of AI tools by us or by third parties may pose new cybersecurity challenges. Threat actors may use AI tools to automate and enhance cybersecurity attacks against us. We use software and platforms designed to detect such cybersecurity threats, including AI-based tools","link":"https://www.sec.gov/Archives/edgar/data/736772/000073677226000031/ccne-20251231.htm#:~:text=The%20Corporation%2C%20primarily%20through%20the%20Bank%2C%20depends%20on,to%20our%20data%20security%20and%20systems.","mention_words":"Sees AI as a risk","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-a20ed597adc8","quote":"The development and use of AI presents risks and challenges that may adversely impact our business.","link":"https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm#:~:text=The%20development%20and%20use%20of%20AI%20presents%20risks%20and%20challenges%20that%20may%20adversely%20impact%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"camden-national-corp","name":"Camden National Corp","state":"ME","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000750686-26-000010-48c74ef5ee68","quote":"To compete effectively, the Company may use new and evolving technologies, including AI and machine learning, to help improve its customer service, marketing, and products or to automate certain business decisions or risk management practices, such as fraud identification.","link":"https://www.sec.gov/Archives/edgar/data/750686/000075068626000010/cac-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20technological,exposure%20to%20legal%20or%20regulatory%20proceedings.","mention_words":"Sees AI as a risk","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-f70a4e28103d","quote":"be exacerbated by recent developments in artificial intelligence and their increased","link":"https://www.sec.gov/Archives/edgar/data/726601/000072660126000007/ccbg-20251231.htm#:~:text=be%20exacerbated%20by%20recent%20developments%20in%20artificial%20intelligence%20and%20their%20increased","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":"0000927628-26-000024-0a3e3b63733d","quote":"Our risk reporting and risk management, including our business decisions that are based on information gathered through models and AI, depend on the effectiveness of our models and AI.","link":"https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm#:~:text=The%20development%20and%20implementation%20of%20some%20of%20these,the%20foregoing%20could%20have%20negative%20consequences.","mention_words":"Sees AI as a risk","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-a6b1e771f99e","quote":"Although we require human review of certain AI-assisted outputs and have implemented policies governing the appropriate use of AI and restrictions on the use of sensitive data, human review may not detect all inaccuracies, biases, inappropriate outputs, or compliance deficiencies.","link":"https://www.sec.gov/Archives/edgar/data/1392272/000162828026020177/chnbrdg-20251231.htm#:~:text=Consistent%20with%20our%20internal%20policies%2C%20certain%20uses%20of,procedures%20will%20prevent%20all%20AI%2Drelated%20risks.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"schwab-charles-corp","name":"Charles Schwab Corp","state":"TX","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000316709-26-000009-9be0e1bedb1a","quote":"the use of artificial intelligence technologies, of organized crime, activists, hackers and other external parties, including foreign state actors","link":"https://www.sec.gov/Archives/edgar/data/316709/000031670926000009/schw-20251231.htm#:~:text=Our%20business%20involves%20the%20secure%20processing%2C%20storage%2C%20and,available%20to%20external%20parties%20in%20error.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"chemung-financial-corp","name":"Chemung Financial Corp","state":"NY","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-017546-9551e10ea62b","quote":"We expect third-party vendors, or a subcontractor thereof, to increasingly incorporate artificial intelligence embedded solutions into their product offerings and operational workflows. Biased, inaccurate, or misleading output from artificial intelligence-based solutions used by third parties may","link":"https://www.sec.gov/Archives/edgar/data/763563/000162828026017546/chmg-20251231.htm#:~:text=The%20potential%20for%20operational%20risk%20exposure%20exists%20throughout,the%20Corporation%20interacts%20or%20relies%20upon.","mention_words":"Sees AI as a risk","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-fea885581438","quote":"While Citi has policies that govern the use of emerging technologies, including in model risk management, ineffective, inadequate or faulty Generative AI development or deployment practices by Citi or third parties, including insufficient testing and monitoring","link":"https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm#:~:text=While%20Citi%20has%20policies%20that%20govern%20the%20use,on%20the%20basis%20of%20AI%2Dinfluenced%20decisions.","mention_words":"Sees AI as a risk","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-bcae251d1d88","quote":"new, unexpected technological changes, including those related to artificial intelligence, could have a transformative effect on the way banks offer products and services.","link":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000028/cfg-20251231.htm#:~:text=Technology%20within%20the%20financial%20services%20industry%20continues%20to,of%20operations%20may%20be%20adversely%20affected.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"coastal-financial-corp","name":"Coastal Financial Corp","state":"WA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437958-26-000013-81635c691efa","quote":"Our use of artificial intelligence and automated technologies may expose us to operational, compliance and governance risks.","link":"https://www.sec.gov/Archives/edgar/data/1437958/000143795826000013/ck1437958-20251231.htm#:~:text=Our%20use%20of%20artificial%20intelligence%20and%20automated%20technologies,to%20operational%2C%20compliance%20and%20governance%20risks.","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":"0001437749-26-005320-246a8fe59fe8","quote":"The development and use of artificial intelligence (“AI”) present risks and challenges that may adversely impact our business.","link":"https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20%28%E2%80%9CAI%E2%80%9D%29,that%20may%20adversely%20impact%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"customers-bancorp-inc","name":"Customers Bancorp, Inc.","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001488813-26-000029-1be7a197e161","quote":"Our business increasingly relies on AI, machine learning and automated decision making to improve our services and our customers’ experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving","link":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000029/cubi-20251231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%2C%20machine%20learning,requirements%20may%20have%20on%20our%20business.","mention_words":"Sees AI as a risk","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":"0001174947-26-000410-3c4f72794286","quote":"The Corporation incorporates AI solutions into platforms that deliver products and services to our customers, including solutions developed by third parties whose AI is integrated into our products and services.","link":"https://www.sec.gov/Archives/edgar/data/1437479/000117494726000410/enbp-20251231.htm#:~:text=The%20Corporation%20incorporates%20AI%20solutions%20into%20platforms%20that,platforms%20produces%20false%20or%20%E2%80%9Challucinatory%E2%80%9D%20inferences.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"eagle-bancorp-inc","name":"Eagle Bancorp Inc","state":"MD","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001050441-26-000021-345cd318c8d8","quote":"because of the complexity inherent in these approaches, especially those based on artificial intelligence, misunderstanding or misuse of their outputs could similarly result in suboptimal decision-making, which could have a material adverse effect on our business","link":"https://www.sec.gov/Archives/edgar/data/1050441/000105044126000021/egbn-20251231.htm#:~:text=The%20use%20of%20statistical%20and%20quantitative%20models%20and,results%20of%20operations%20and%20share%20price.","mention_words":"Sees AI as a risk","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-dec4d5bdefad","quote":"reliance on biased or erroneous outputs generated by AI could lead to errors that can adversely affect managerial decisions and business judgments","link":"https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm#:~:text=We%20rely%20on%20quantitative%20models%20to%20measure%20risks,generate%20our%20relevant%20information%20is%20insufficient.","mention_words":"Sees AI as a risk","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-d64896e115b6","quote":"The rise of artificial intelligence and generative AI presents risks to our operations, controls, and compliance.","link":"https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm#:~:text=The%20rise%20of%20artificial%20intelligence%20and%20generative%20AI%20presents%20risks%20to%20our%20operations%2C%20controls%2C%20and%20compliance.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"0001856365-26-000006-7e9edad0fc7e","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-busey-corp-nv","name":"First Busey Corp","state":"KS","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000314489-26-000013-eae1d0946c9c","quote":"adapting to digital innovation (e.g., AI, digital assets, etc.), and potential easing of federal regulatory oversight","link":"https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm#:~:text=The%20banking%20regulatory%20environment%20is%20a%20complex%20mix,requiring%20an%20agile%20regulatory%20management%20system.","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":"0001193125-26-071523-6332130a6973","quote":"Advances in artificial intelligence and other technologies have increased the sophistication of fraud schemes, including identity theft or impersonation, deepfake communications, and social engineering attacks.","link":"https://www.sec.gov/Archives/edgar/data/1521951/000119312526071523/fbiz-20251231.htm#:~:text=By%20its%20nature%2C%20our%20business%20involves%20our%20operating,results%20of%20operations%2C%20and%20financial%20condition.","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-f837fde9e53e","quote":"We are subject to regulation of our business and operations, including risk management, with respect to artificial intelligence (“AI”). On June 24, 2024, the CFPB along with the federal banking agencies","link":"https://www.sec.gov/Archives/edgar/data/798941/000079894126000015/fcnca-20251231.htm#:~:text=We%20are%20subject%20to%20regulation%20of%20our%20business,secured%20by%20a%20consumer%E2%80%99s%20principal%20dwelling.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"first-hawaiian-inc","name":"First Hawaiian, Inc.","state":"HI","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-021544-bbc61e305acf","quote":"The development and use of AI present risks and challenges that may adversely impact our business.","link":"https://www.sec.gov/Archives/edgar/data/36377/000110465926021544/fhb-20251231x10k.htm#:~:text=%E2%80%A2%20The%20development%20and%20use%20of%20AI%20present,that%20may%20adversely%20impact%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-horizon-corp","name":"First Horizon Corp","state":"TN","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000036966-26-000051-1f7f58db634c","quote":"New technologies, services, and systems based wholly or in part on artificial intelligence are proliferating within our industry, including at our Company as we are seeking to accelerate both our data capabilities and our responsible use of artificial","link":"https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm#:~:text=New%20technologies%20proliferating%20in%20the%20financial%20services%20industry,and%20our%20responsible%20use%20of%20artificial","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"first-interstate-bancsystem-inc","name":"First Interstate Bancsystem Inc","state":"MT","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000860413-26-000011-9c609eb96b94","quote":"financial institutions are investing significantly in new technologies, such as AI, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards","link":"https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,operating%20results%20could%20be%20adversely%20affected.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"first-merchants-corp","name":"First Merchants Corp","state":"IN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000712534-26-000022-0d71c3c6708d","quote":"Although the Corporation has established governance, risk management, and control frameworks intended to oversee the use of artificial intelligence, these frameworks may not identify or mitigate all current or emerging risks associated with rapidly evolving technologies.","link":"https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm#:~:text=The%20evolving%20legal%2C%20regulatory%2C%20and%20compliance%20framework%20for,protections%20with%20respect%20to%20these%20matters.","mention_words":"Sees AI as a risk","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":"fulton-financial-corp","name":"Fulton Financial Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000700564-26-000006-91f4953f5a44","quote":"our implementation of certain new technologies, such as those related to artificial intelligence, machine learning and automated decision making, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm#:~:text=The%20financial%20services%20industry%20experiences%20continuous%20technological%20change,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"glacier-bancorp-inc","name":"Glacier Bancorp, Inc.","state":"MT","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000868671-26-000023-e7c61c0b1444","quote":"emerging risks from the use of applications that may rely on artificial intelligence","link":"https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm#:~:text=We%20use%20models%20and%20strategies%20to%20forecast%20losses%2C,artificial%20intelligence.%20Our%20models%20and%20strategies","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":"0000886982-26-000091-18d48733223f","quote":"in response to the proliferation of AI-enabled fraud and ransomware attacks that continue to be reported globally, we have emphasized phishing and cybersecurity training for our employees and allocated additional resources for business continuity","link":"https://www.sec.gov/Archives/edgar/data/886982/000088698226000091/gs-20251231.htm#:~:text=During%202025%2C%20we%20did%20not%20identify%20any%20cybersecurity,had%20occurrences%20of%20undetected%20cybersecurity%20incidents.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"great-southern-bancorp-inc","name":"Great Southern Bancorp, Inc.","state":"MO","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-024659-4dae9ab452e8","quote":"Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.","link":"https://www.sec.gov/Archives/edgar/data/854560/000110465926024659/gsbc-20251231x10k.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,detection%2C%20transaction%20monitoring%2C%20and%20customer%20support.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"hsbc-usa-inc-md","name":"HSBC Usa Inc","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000083246-26-000005-95a3e2fe79ec","quote":"The adoption of more sophisticated modeling approaches including artificial intelligence and related technology by us and the financial services industry could also lead to increased model related risks.","link":"https://www.sec.gov/Archives/edgar/data/83246/000008324626000005/hsbcusa-20251231.htm#:~:text=We%20could%20incur%20losses%20or%20be%20required%20to,operations%2C%20minimum%20capital%20requirements%20and%20reputation.","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":"0001193125-26-077903-2dfaf046322b","quote":"We are in the early stages of incorporating AI into our business activities to increase employee productivity. We have not yet deployed AI-driven systems in critical decision-making or client-facing processes.","link":"https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm#:~:text=We%20are%20in%20the%20early%20stages%20of%20incorporating,order%20requires%20relevant%20persons%20and%20bodies","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"hanmi-financial-corp","name":"Hanmi Financial Corp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001193125-26-082425-db0fae30246f","quote":"We utilize certain AI/ML models provided by third-party vendors, including models used for credit scoring and fraud detection, and may use other AI/ML models in the future.","link":"https://www.sec.gov/Archives/edgar/data/1109242/000119312526082425/hafc-20251231.htm#:~:text=Operational%20and%20model%20risk.%20AI%2FML%20models%20may%20rely,other%20AI%2FML%20models%20in%20the%20future.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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":"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":"international-bancshares-corp","name":"International Bancshares Corp","state":"TX","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-020439-ccec29b19090","quote":"greater oversight of property appraisals, and related algorithms and machine learning tools that can be used in the appraisal process","link":"https://www.sec.gov/Archives/edgar/data/315709/000110465926020439/iboc-20251231x10k.htm#:~:text=The%20CFPB%20and%20other%20federal%20regulators%20continue%20to,extent%20this%20rule%20will%20be%20implemented.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"juniata-valley-financial-corp","name":"Juniata Valley Financial Corp","state":"PA","size_group":"Under $1B","max_detail":2,"quote":{"passage_id":"0001104659-26-034395-adf03972dffa","quote":"Although the Company does not currently make significant use of artificial intelligence (“AI”), machine learning, or similar advanced data analytics technologies in its operations, the financial services industry is increasingly incorporating AI-enabled tools in areas such as credit underwriting,","link":"https://www.sec.gov/Archives/edgar/data/714712/000110465926034395/juvf-20251231x10k.htm#:~:text=Although%20the%20Company%20does%20not%20currently%20make%20significant,developed%20systems%20or%20third%2Dparty%20service%20providers.","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-d5b3c9522ed7","quote":"Some models we use employ methodologies based on artificial intelligence or machine learning. Compared to traditional models, these models may involve some additional complexities, such as the need for large datasets for training, the potential for algorithmic bias, and difficulty in interpreting","link":"https://www.sec.gov/Archives/edgar/data/91576/000162828026010546/key-20251231.htm#:~:text=Some%20models%20we%20use%20employ%20methodologies%20based%20on,and%20difficulty%20in%20interpreting%20model%20outputs.","mention_words":"Sees AI as a risk","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 risk","detail_words":"Names an area"}},{"slug":"lakeland-financial-corp","name":"Lakeland Financial Corp","state":"IN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000721994-26-000018-4743d84f7b7c","quote":"The financial services industry is constantly undergoing rapid technological changes with frequent introductions of new technology-driven products and services, including artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/721994/000072199426000018/lkfn-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20rapid,or%20otherwise%20benefit%20from%2C%20such%20developments.","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":"0001462120-26-000020-80ad54059a4a","quote":"Increased adoption of AI technologies also has the potential to alter competitive dynamics and demand in certain verticals that make up part of our small-business borrower base, including, for example, certified public accountants and investment advisory firms.","link":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000020/lob-20251231.htm#:~:text=Increased%20adoption%20of%20AI%20technologies%20also%20has%20the,reduce%20the%20demand%20for%20our%20services.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"muncy-columbia-financial-corp","name":"MUNCY COLUMBIA FINANCIAL Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001174947-26-000299-c889c2252e4e","quote":"Artificial Intelligence introduces compliance, operational, reputational, and information security risks.","link":"https://www.sec.gov/Archives/edgar/data/731122/000117494726000299/ccfn-20251231.htm#:~:text=Artificial%20Intelligence%20introduces%20compliance%2C%20operational%2C%20reputational%2C%20and%20information%20security%20risks.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"mainstreet-bancshares-inc","name":"MainStreet Bancshares, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001437749-26-008073-a8e4d78f8a47","quote":"A “deep fake” incident, which involves synthetic media that is created using artificial intelligence to create realistic images, videos, or audio recordings of people that appear to be real but are not.","link":"https://www.sec.gov/Archives/edgar/data/1693577/000143774926008073/main20251231_10k.htm#:~:text=A%20%E2%80%9Cdeep%20fake%E2%80%9D%20incident%2C%20which%20involves%20synthetic%20media,in%20a%20number%20of%20ways%2C%20including%3A","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"mechanics-bancorp","name":"Mechanics Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001518715-26-000026-1546088473d3","quote":"We use artificial intelligence on a limited basis. The use of artificial intelligence may result in reputational harm or","link":"https://www.sec.gov/Archives/edgar/data/1518715/000151871526000026/hmst-20251231.htm#:~:text=We%20use%20artificial%20intelligence%20on%20a%20limited%20basis.,may%20result%20in%20reputational%20harm%20or","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"meridian-corp","name":"Meridian Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001750735-26-000009-8f9f17a308f8","quote":"Our business increasingly relies on AI to improve our services and our customer’s experience. The regulatory framework around the development and use of these emerging technologies is rapidly evolving","link":"https://www.sec.gov/Archives/edgar/data/1750735/000175073526000009/mrbk-20251231.htm#:~:text=Our%20business%20increasingly%20relies%20on%20AI%20to%20improve,requirements%20may%20have%20on%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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-d534da73be4f","quote":"Uncertainty in the development, deployment, use and regulation of AI could subject us to additional risks.","link":"https://www.sec.gov/Archives/edgar/data/1476034/000110465926018208/mcb-20251231x10k.htm#:~:text=Uncertainty%20in%20the%20development%2C%20deployment%2C%20use%20and%20regulation%20of%20AI%20could%20subject%20us%20to%20additional%20risks.","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":"0001466026-26-000020-1be9e5396b80","quote":"risks relating to the use of artificial intelligence in fraud schemes","link":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000020/msbi-20251231.htm#:~:text=We%20maintain%20a%20system%20of%20internal%20controls%20and,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"morgan-stanley","name":"Morgan Stanley","state":"NY","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000895421-26-000086-4176beb3cd25","quote":"including through acquisitions and the introduction and application of new technologies, such as artificial intelligence and tokenization, and the markets in which we operate evolve, our risk management strategies, models and processes may not always adapt with those changes","link":"https://www.sec.gov/Archives/edgar/data/895421/000089542126000086/ms-20251231.htm#:~:text=As%20our%20businesses%20change%20and%20grow%2C%20including%20through,could%20cause%20us%20to%20incur%20losses.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"0001628280-26-016503-768d20043694","quote":"The impact of artificial intelligence on our business","link":"https://www.sec.gov/Archives/edgar/data/1587987/000162828026016503/newt-20251231.htm#:~:text=%E2%80%A2The%20impact%20of%20artificial%20intelligence%20on%20our%20business","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":"0000073124-26-000016-81fb67b5056e","quote":"We use various systems and models, including AI-powered solutions, in analyzing and monitoring several risk categories, as well as for other business purposes.","link":"https://www.sec.gov/Archives/edgar/data/73124/000007312426000016/ntrs-20251231.htm#:~:text=We%20use%20various%20systems%20and%20models%2C%20including%20AI%2Dpowered,risks%20that%20are%20unidentified%20or%20unanticipated.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"ofg-bancorp","name":"OFG Bancorp","state":"PR","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001030469-26-000008-44a400d15288","quote":"As a financial institution with more than $10 billion in assets, we face heightened regulatory scrutiny of our consumer-facing technologies, including AI applications. Our dependence on third-party AI vendors means that provider failures, service disruptions, or contract terminations could impair","link":"https://www.sec.gov/Archives/edgar/data/1030469/000103046926000008/ofg-20251231.htm#:~:text=The%20rapidly%20evolving%20nature%20of%20AI%20regulation%20and,scrutiny%2C%20reputational%20harm%2C%20and%20financial%20losses.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"op-bancorp","name":"OP Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001722010-26-000002-ed80ef80ea80","quote":"Certain of these third‑party service providers may incorporate or rely on artificial intelligence (“AI”), machine learning, automated decision‑making technologies or similar emerging technologies","link":"https://www.sec.gov/Archives/edgar/data/1722010/000172201026000002/opbk-20251231.htm#:~:text=We%20depend%20to%20a%20significant%20extent%20on%20relationships,decision%E2%80%91making%20technologies%20or%20similar%20emerging%20technologies","mention_words":"Sees AI as a risk","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":"0001004702-26-000015-595843669d22","quote":"The proliferation of artificial intelligence has enhanced actions, strategies, and processes that cyber attackers use to create threats and launch cyberattacks.","link":"https://www.sec.gov/Archives/edgar/data/1004702/000100470226000015/ocfc-20251231.htm#:~:text=Financial%20institutions%20and%20companies%20have%20reported%20breaches%20in,other%20internet%2Dbased%20product%20offerings%20and%20systems.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"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":"0000713676-26-000020-6bc47070e9ab","quote":"There are risks resulting from the extensive use of models, some of which use AI, in our business.","link":"https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/pnc-20251231.htm#:~:text=There%20are%20risks%20resulting%20from%20the%20extensive%20use,which%20use%20AI%2C%20in%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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":"0001281761-26-000019-641c0fb30967","quote":"We utilize quantitative models and machine learning models to assist in measuring risks and estimating or predicting certain financial values. Models may be used in processes such as determining the pricing of various products, grading loans and extending credit","link":"https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm#:~:text=We%20utilize%20quantitative%20models%20and%20machine%20learning%20models,generate%20the%20relevant%20information%20is%20insufficient.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"renasant-corp","name":"Renasant Corp","state":"MS","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000715072-26-000017-5681ab0ad532","quote":"because the Company relies on AI models developed by third parties, we are dependent in part on the manner in which those third parties develop and train their models. Risk can result from poorly designed models or the use of faulty data, inadequate model testing or validation","link":"https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm#:~:text=The%20banking%20industry%20is%20subject%20to%20rapid%20and,tools%20being%20introduced%20into%20our%20business","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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-b17f600d3542","quote":"The evolving federal “AI Action Plan” and related regulatory initiatives could increase compliance costs, constrain the Company’s use of AI, and expose the Company to new legal, operational, and reputational risks.","link":"https://www.sec.gov/Archives/edgar/data/921557/000110465926024523/rbcaa-20251231x10k.htm#:~:text=The%20evolving%20federal%20%E2%80%9CAI%20Action%20Plan%E2%80%9D%20and%20related,develop%2C%20deploy%2C%20and%20oversee%20AI%2Denabled%20systems.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"richmond-mutual-bancorporation-inc","name":"Richmond Mutual Bancorporation, Inc.","state":"IN","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001628280-26-020414-c47809a55961","quote":"Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.","link":"https://www.sec.gov/Archives/edgar/data/1767837/000162828026020414/fil-20251231.htm#:~:text=Operational%20risks%20also%20arise%20from%20potential%20system%20failures%2C,and%20expose%20us%20to%20regulatory%20scrutiny.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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-fccf51516e84","quote":"We also depend on third-party vendors and service providers for core systems and specialized tools that may incorporate artificial intelligence functionality. Our ability to manage artificial intelligence related risk is therefore partially dependent on the controls, governance and resilience of","link":"https://www.sec.gov/Archives/edgar/data/719220/000071922026000030/stba-20251231.htm#:~:text=We%20are%20dependent%20for%20the%20majority%20of%20our,our%20business%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"santander-holdings-usa-inc","name":"Santander Holdings USA, Inc.","state":"MA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000811830-26-000005-5d9dccf5971c","quote":"We utilize AI and continue to explore additional uses of AI in connection with our businesses, products and services. However, AI solutions, such as those provided by third parties, may expose us to risks including, without limitation, inadequacies in the AI service that results in false or","link":"https://www.sec.gov/Archives/edgar/data/811830/000081183026000005/sov-20251231.htm#:~:text=%E2%80%A2We%20use%20AI%2C%20which%20could%20expose%20us%20to,reputational%20harm%20and%20other%20adverse%20impacts.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"sierra-bancorp","name":"Sierra Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001104659-26-021479-ca5e7a013432","quote":"Scams are often harder to detect as fraudsters deploy AI, causing many customers to authorize transactions they believe are legitimate.","link":"https://www.sec.gov/Archives/edgar/data/1130144/000110465926021479/bsrr-20251231x10k.htm#:~:text=Fraud%20risk%20continues%20to%20evolve%20and%20impact%20our,fraud%20remains%20uncertain%20for%20particular%20transactions.","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":"0000093751-26-000124-7408174dfa00","quote":"new products and services, including State Street Alpha® and those related to wealth servicing, alternative investment management or digital assets or incorporating artificial intelligence, may impose costs on us, involve dependencies on third parties and may expose us to increased risks","link":"https://www.sec.gov/Archives/edgar/data/93751/000009375126000124/stt-20251231.htm#:~:text=%E2%80%A2Our%20development%20and%20completion%20of%20new%20products%20and,may%20expose%20us%20to%20increased%20risks%3B","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":"0001437749-26-005830-9d375b1a0f16","quote":"While we have established programs to manage our increasing exposure to AI, including processes for monitoring related risks, managing third party relationships, incident response, as well as employee awareness and education","link":"https://www.sec.gov/Archives/edgar/data/835324/000143774926005830/sybt20251231_10k.htm#:~:text=We%2C%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"synchrony-financial","name":"Synchrony Financial","state":"CT","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001601712-26-000006-022c92d83041","quote":"our information security program is designed to adapt to an evolving landscape of emerging and available technology and related threats, such as artificial intelligence (\"AI\")","link":"https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm#:~:text=We%20have%20layers%20of%20protective%20controls%20embedded%20throughout,adjusted%20on%20an%20as%20needed%20basis.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"trico-bancshares","name":"Trico Bancshares /","state":"CA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000356171-26-000010-af63d4ece648","quote":"our implementation of certain new technologies, such as those related to artificial intelligence (\"AI\"), automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/356171/000035617126000010/tcbk-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,Failure%20to%20successfully%20keep%20pace%20with","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"truist-financial-corp","name":"Truist Financial Corp","state":"NC","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000092230-26-000030-b6a2c33cd8f7","quote":"Truist has invested in technology to automate functions previously performed manually, to facilitate the ability of clients to engage in financial transactions, and otherwise to enhance the client experience","link":"https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,an%20adverse%20effect%20on%20Truist%E2%80%99s%20business.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"univest-financial-corp","name":"UNIVEST FINANCIAL Corp","state":"PA","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000102212-26-000012-74c42782f119","quote":"We utilize certain AI/ML models provided by third-party vendors, including models used for credit scoring and fraud detection, and may use other AI/ML models in the future.","link":"https://www.sec.gov/Archives/edgar/data/102212/000010221226000012/uvsp-20251231.htm#:~:text=%E2%80%A2Operational%20and%20Model%20Risk%3A%20AI%2FML%20models%20may%20rely,other%20AI%2FML%20models%20in%20the%20future.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"umb-financial-corp","name":"Umb Financial Corp","state":"MO","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0001193125-26-076496-d092bfd45206","quote":"use of or integration with artificial intelligence, failures of technology, breaches of internal controls or compliance safeguards","link":"https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm#:~:text=risk%E2%80%94including%20the%20risk%20of%20fraud%20by%20employees%20or,continuity%20plans%20or%20acts%20of%20misconduct.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"union-bankshares-inc","name":"Union Bankshares Inc","state":"VT","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0000706863-26-000029-9c104ca960a5","quote":"Although our current AI use is limited, our existing policies, procedures, and internal control frameworks may not fully address the risks associated with AI technologies.","link":"https://www.sec.gov/Archives/edgar/data/706863/000070686326000029/unb-20251231.htm#:~:text=The%20legal%20and%20regulatory%20framework%20governing%20AI%20use,limit%20future%20use%20of%20AI%20tools.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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-d6e05ae11f09","quote":"Due to the rise of AI, technological advances are occurring in the industry at an unprecedented pace. To develop these and other new technologies and protect against cyber security threats, the Company will likely have to make additional capital investments.","link":"https://www.sec.gov/Archives/edgar/data/920427/000092042726000012/unty-20251231x10k.htm#:~:text=The%20Company%E2%80%99s%20ability%20to%20compete%20successfully%20in%20the,to%20remain%20competitive%20in%20the%20future.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"uscb-financial-holdings-inc","name":"Uscb Financial Holdings, Inc.","state":"FL","size_group":"$1B to $50B","max_detail":2,"quote":{"passage_id":"0001562762-26-000027-31e5bc8c521c","quote":"on AI, and integration challenges with existing","link":"https://www.sec.gov/Archives/edgar/data/1901637/000156276226000027/uscb-20251231.htm#:~:text=on%20AI%2C%20and%20integration%20challenges%20with%20existing","mention_words":"Sees AI as a risk","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":"0000828944-26-000006-9a931edfcf5e","quote":"Use of artificial intelligence by us and our third-party vendors or service providers could result in reputational or competitive harm, legal or regulatory liability and adverse impacts on our results of operations.","link":"https://www.sec.gov/Archives/edgar/data/828944/000082894426000006/wsfs-20251231.htm#:~:text=Use%20of%20artificial%20intelligence%20by%20us%20and%20our,impacts%20on%20our%20results%20of%20operations.","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-d8639256e56c","quote":"We are in the early stages of incorporating AI into our business activities to increase employee productivity. We have not yet deployed AI-driven systems in critical decision-making or client-facing processes.","link":"https://www.sec.gov/Archives/edgar/data/801337/000080133726000008/wbs-20251231.htm#:~:text=We%20are%20in%20the%20early%20stages%20of%20incorporating,AI%20presents%20a%20number%20of%20risks","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"slug":"wells-fargo-and-company-mn","name":"Wells Fargo & Company","state":"CA","size_group":"$50B and above","max_detail":2,"quote":{"passage_id":"0000072971-26-000133-2120daf48765","quote":"We also use AI to help improve efficiency and further inform or automate certain business decisions, operations, and risk management practices, as well as to enhance our models and data management activities, and to improve our customer service.","link":"https://www.sec.gov/Archives/edgar/data/72971/000007297126000133/wfc-20251231.htm#:~:text=We%20also%20use%20AI%20to%20help%20improve%20efficiency,on%20our%20business%20or%20financial%20results.","mention_words":"Sees AI as a risk","detail_words":"Names an area"}},{"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":"0000109380-26-000046-4c319196d5ee","quote":"The development and use of AI technologies present risks and challenges that could materially and adversely affect our business, financial condition, and results of operations.","link":"https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm#:~:text=The%20development%20and%20use%20of%20AI%20technologies%20present,financial%20condition%2C%20and%20results%20of%20operations.","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":"0001437749-26-006820-2eb53800198a","quote":"the occurrence of fraudulent activity, breaches or failures of the Company’s or its third-party vendors’ information security controls or cybersecurity-related incidents, including those employing artificial intelligence or resulting from insider fraud","link":"https://www.sec.gov/Archives/edgar/data/903419/000143774926006820/alrs20251231_10k.htm#:~:text=%E2%97%8F%20the%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,intelligence%20or%20resulting%20from%20insider%20fraud%3B","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"amerant-bancorp-inc","name":"Amerant Bancorp Inc.","state":"FL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001734342-26-000017-ba16b34e5639","quote":"our implementation of certain new technologies, such as those related to artificial intelligence and automation, in our processes may have unintended consequences due to their limitations or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/1734342/000173434226000017/amtb-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20constantly%20undergoing%20rapid,our%20failure%20to%20use%20them%20effectively.","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-ae6477c17ae0","quote":"Use of artificial intelligence may result in reputational harm or liability, or could otherwise adversely affect the Company’s business.","link":"https://www.sec.gov/Archives/edgar/data/1132651/000143774926007976/atlo20251231_10k.htm#:~:text=Use%20of%20artificial%20intelligence%20may%20result%20in%20reputational,otherwise%20adversely%20affect%20the%20Company%E2%80%99s%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"auburn-national-bancorporation-inc","name":"Auburn National Bancorporation, Inc","state":"AL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-111012-6dff080524e7","quote":"including through the use of artificial intelligence and state sponsorship","link":"https://www.sec.gov/Archives/edgar/data/750574/000119312526111012/d87304d10k.htm#:~:text=including%20through%20the%20use%20of%20artificial%20intelligence%20and%20state%20sponsorship","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bancfirst-corp-ok","name":"BancFirst Corp","state":"OK","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-075954-ce318532fc42","quote":"Common risks around the use of AI in certain contexts may include cybersecurity, privacy, accuracy, bias/discrimination and intellectual property risks. Regulations may limit or restrict the use of AI, or impose additional compliance requirements","link":"https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm#:~:text=While%20the%20use%20of%20AI%20is%20not%20material,effectiveness%20of%20our%20products%20and%20services.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bancplus-corp","name":"Bancplus Corp","state":"MS","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-098059-905ff2ca190d","quote":"The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services, including recent rapid developments in artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/1118004/000119312526098059/ck0001118004-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,such%20challenges%20in%20a%20timely%20manner.","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-b906bd6a9f53","quote":"Information security risks have generally increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, the use of the Internet and telecommunications technologies to conduct financial transactions","link":"https://www.sec.gov/Archives/edgar/data/1746109/000110465926021567/bfc-20251231x10k.htm#:~:text=Any%20damage%20or%20failure%20that%20causes%20breakdowns%20or,our%20or%20our%20clients%E2%80%99%20business%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"bank-of-the-james-financial-group-inc","name":"Bank of the James Financial Group Inc","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001275101-26-000010-a9ba6bed83d1","quote":"malicious actors are increasingly using artificial intelligence and other tools to conduct more sophisticated attacks, including highly targeted phishing and social‑engineering campaigns, business email compromise, deepfake or voice‑spoofing fraud, and account takeover attempts.","link":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000010/botj-20251231x10k.htm#:~:text=The%20pace%20of%20technological%20change%20continues%20to%20increase,and%20increased%20compliance%20and%20remediation%20costs.","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":"0000946673-26-000009-9dcc41f81ba6","quote":"Our current and future uses of Artificial Intelligence (AI) and other emerging technologies may create additional risks.","link":"https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm#:~:text=Our%20current%20and%20future%20uses%20of%20Artificial%20Intelligence,emerging%20technologies%20may%20create%20additional%20risks.","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":"bayfirst-financial-corp","name":"BayFirst Financial Corp.","state":"FL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001649739-26-000049-443dea815864","quote":"The development and use of artificial intelligence by us or others, or our inability to effectively and timely implement its use, may adversely affect the Company.","link":"https://www.sec.gov/Archives/edgar/data/1649739/000164973926000049/bafn-20251231.htm#:~:text=The%20development%20and%20use%20of%20artificial%20intelligence%20by,use%2C%20may%20adversely%20affect%20the%20Company.","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":"0001193125-26-104410-0594f400e177","quote":"The market for financial services, including banking and consumer finance services, is increasingly affected by advances in technology, including recent and rapid developments in artificial intelligence, social media, and other developments in telecommunications","link":"https://www.sec.gov/Archives/edgar/data/842717/000119312526104410/brbs-20251231.htm#:~:text=The%20market%20for%20financial%20services%2C%20including%20banking%20and,operating%20results%20could%20be%20adversely%20affected.","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-e1289cef2609","quote":"Each of these third parties may be targets of the same types of fraudulent activity, computer break-ins and other cybersecurity breaches described above, including those employing artificial intelligence","link":"https://www.sec.gov/Archives/edgar/data/1341317/000110465926020063/bwb-20251231x10k.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate.","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":"business-first-bancshares-inc","name":"Business First Bancshares, Inc.","state":"LA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001624322-26-000018-95f43119fbce","quote":"cyber-criminals utilize artificial intelligence and related emerging technologies. Increasing sophistication of cyber-criminals and terrorists make keeping up with new threats difficult and could result in a breach.","link":"https://www.sec.gov/Archives/edgar/data/1624322/000162432226000018/bfst-20251231.htm#:~:text=It%20is%20difficult%20or%20impossible%20to%20defend%20against,operations%2C%20financial%20condition%2C%20and%20future%20prospects.","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":"0001795815-26-000005-0b693f6c7085","quote":"The development and use of artificial intelligence may result in reputational harm or liability, or could adversely affect our business.","link":"https://www.sec.gov/Archives/edgar/data/1795815/000179581526000005/bcal-20251231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20artificial%20intelligence%20may,or%20could%20adversely%20affect%20our%20business.","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":"0001829576-26-000018-28c5cf85227e","quote":"The development and use of Artificial Intelligence (“AI”) technologies present risks that could adversely affect our business, financial condition, and results of operations.","link":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000018/care-20251231.htm#:~:text=%E2%80%93The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,financial%20condition%2C%20and%20results%20of%20operations.","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-cd1346e2db47","quote":"We continually encounter technological change including developments in artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/701347/000070134726000021/cpf-20251231.htm#:~:text=%E2%80%A2We%20continually%20encounter%20technological%20change%20including%20developments%20in%20artificial%20intelligence.","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":"0001104659-26-024613-0b463e62be0d","quote":"fraud and cyber malfunction risks as usage of artificial intelligence continues to expand","link":"https://www.sec.gov/Archives/edgar/data/810958/000110465926024613/cznc-20251231x10k.htm#:~:text=%E2%97%8F%20fraud%20and%20cyber%20malfunction%20risks%20as%20usage%20of%20artificial%20intelligence%20continues%20to%20expand","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"city-holding-co","name":"City Holding Co","state":"WV","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000726854-26-000062-25982ea9f9fb","quote":"Criminals are committing fraud at an increasing rate and are using more sophisticated techniques, including the use of artificial intelligence technologies.","link":"https://www.sec.gov/Archives/edgar/data/726854/000072685426000062/chco-20251231.htm#:~:text=Criminals%20are%20committing%20fraud%20at%20an%20increasing%20rate,it%2C%20its%20customers%2C%20and%20other%20counterparties.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"coastalsouth-bancshares-inc","name":"CoastalSouth Bancshares, Inc.","state":"GA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-104114-0e84de44b3a5","quote":"the use of artificial intelligence could exacerbate many of these risks","link":"https://www.sec.gov/Archives/edgar/data/1297107/000119312526104114/coso-20251231.htm#:~:text=Deposit%20and%20loan%20fraud%20continue%20to%20be%20major,a%20major%20loss%20cannot%20be%20eliminated.","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-ab756001f0f8","quote":"especially in light of the risks being posed by the proliferation of new technologies, including artificial intelligence, the use of the Internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of cybercriminals","link":"https://www.sec.gov/Archives/edgar/data/711669/000071166926000007/cban-20251231.htm#:~:text=To%20date%2C%20none%20of%20foregoing%20types%20of%20attacks,of%20cybercriminals%20and%20other%20external%20parties.","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":"0000887343-26-000088-4974fc1bcdd8","quote":"The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.","link":"https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm#:~:text=The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28%E2%80%9CAI%E2%80%9D%29,that%20may%20adversely%20impact%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"commerce-bancshares-inc-mo","name":"Commerce Bancshares Inc","state":"MO","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000022356-26-000069-ef385ed0ee00","quote":"emerging technological innovations, such as the use of artificial intelligence (“AI”) tools and quantum computing, that may enable malicious actors to develop more advanced social engineering attacks, circumvent security controls, evade detection and remove forensic evidence.","link":"https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm#:~:text=The%20Company%20relies%20on%20a%20layered%20system%20of,using%20both%20internal%20and%20outside%20resources.","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-a5e358d5f903","quote":"Information security risks for financial institutions such as us have increased recently in part because of new technologies, such as artificial intelligence, the use of the Internet and telecommunications technologies","link":"https://www.sec.gov/Archives/edgar/data/1127371/000162828026016895/cvcy-20251231.htm#:~:text=Information%20security%20risks%20for%20financial%20institutions%20such%20as,avoid%20detection%2C%20which%20continue%20to%20evolve.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"cullen-frost-bankers-inc","name":"Cullen/frost Bankers, Inc.","state":"TX","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0000039263-26-000011-db0953a69b65","quote":"Our increased use of cloud and other technologies, such as remote work technologies, adoption of artificial intelligence, and the increased connectivity of third parties and electronic devices to our systems also increases our risk of being subject to a cyber-attack.","link":"https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm#:~:text=In%20the%20ordinary%20course%20of%20business%2C%20we%20rely,from%20around%20the%20world%20have%20increased.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"eagle-financial-services-inc","name":"Eagle Financial Services Inc","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000880641-26-000004-cbd0f9807a31","quote":"The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.","link":"https://www.sec.gov/Archives/edgar/data/880641/000088064126000004/efsi-20251231.htm#:~:text=could%20experience%20a%20significant%20event%20in%20the%20future.,remediate%20any%20identified%20information%20security%20vulnerabilities.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"east-west-bancorp-inc","name":"East West Bancorp Inc","state":"CA","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0001069157-26-000009-03662cc3bcbe","quote":"The financial services industry is continuously undergoing rapid technological change with frequent introductions of new technology-driven products and services, including recent rapid developments in artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/1069157/000106915726000009/ewbc-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continuously%20undergoing%20rapid,of%20operations%2C%20financial%20condition%20and%20reputation.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"enterprise-financial-services-corp","name":"Enterprise Financial Services Corp","state":"MO","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001025835-26-000058-48328bb5ea02","quote":"As risks associated with cybersecurity threats have and continue to evolve and become more sophisticated, including as a result of artificial intelligence, we have expended, and may in the future expend, significant resources to implement technologies and various response and recovery plans and","link":"https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm#:~:text=Information%20security%2C%20including%20cybersecurity%2C%20is%20a%20high%20priority,or%20losses%20not%20covered%20by%20insurance.","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":"0001193125-26-100184-844b29a95f0e","quote":"encouraging the use of AI and other advanced technologies within the public and private sectors. These changes, if implemented and taken as a whole, may have varied effects on the economy that are difficult to predict.","link":"https://www.sec.gov/Archives/edgar/data/1227500/000119312526100184/eqbk-20251231.htm#:~:text=The%20Trump%20Administration%20has%20commenced%20efforts%20to%20implement,financial%20condition%20and%20results%20of%20operations.","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-b5c76408fa91","quote":"Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, also may have unintended consequences, including fraud or cybersecurity risk, due to their limitations, potential manipulation, or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/1085913/000114036126009383/fmcb-20251231.htm#:~:text=Risks%20and%20exposures%20related%20to%20cybersecurity%20attacks%2C%20including,our%20failure%20to%20use%20them%20effectively.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"farmers-national-banc-corp-oh","name":"Farmers National Banc Corp","state":"OH","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-007084-f26d35bcd4e8","quote":"our implementation of certain new technologies, such as those related to artificial intelligence and algorithms, in our business processes may have unintended consequences due to their limitations, potential manipulation or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/709337/000143774926007084/fmnb20251231_10k.htm#:~:text=In%20addition%2C%20our%20implementation%20of%20certain%20new%20technologies%2C,our%20growth%2C%20revenue%20and%20net%20income.","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":"0001437749-26-008215-53d483c10ec7","quote":"The Company may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of our internal operations, reputational harm, competitive harm, legal liability and adversely affect our results of operations and stock price.","link":"https://www.sec.gov/Archives/edgar/data/1098151/000143774926008215/fdbc20260301_10k.htm#:~:text=The%20Company%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-commonwealth-financial-corp-pa","name":"First Commonwealth Financial Corp","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000712537-26-000013-e029684b8f7a","quote":"the techniques used in such attempts are constantly evolving, including as a result of artificial intelligence, and generally are not recognized until launched against a target","link":"https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm#:~:text=Even%20well%2Dprotected%20information%2C%20networks%2C%20systems%20and%20facilities%20remain,financial%20condition%20and%20results%20of%20operations.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-community-bankshares-inc-va","name":"First Community Bankshares Inc","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-007180-bec697ed1c9d","quote":"We may face new operational, compliance, reputational and legal risks due to the development and use of artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/859070/000143774926007180/fcbc20251231c_10k.htm#:~:text=We%20may%20face%20new%20operational%2C%20compliance%2C%20reputational%20and,development%20and%20use%20of%20artificial%20intelligence.","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-financial-bankshares-inc","name":"First Financial Bankshares Inc","state":"TX","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-071549-e9e6227425ca","quote":"We may experience operational challenges in connection with the adoption of, or failure to adopt, new technology, such as artificial intelligence, which could result in unintended consequences or expenses as a result of the technology's limitations","link":"https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20undergoing%20rapid%20technological,products%20and%20services%20to%20our%20customers.","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-a6bdd953806e","quote":"the techniques used for cyber-attacks are becoming increasingly sophisticated, including the use of AI, and there can be no assurance that preventive and detective measures are fail-safe.","link":"https://www.sec.gov/Archives/edgar/data/737875/000073787526000009/fkys-20251231x10k.htm#:~:text=The%20Corporation%20maintains%20policies%20and%20procedures%20designed%20to,preventive%20and%20detective%20measures%20are%20fail%2Dsafe.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-national-corp-va","name":"First National Corp","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-009748-038d5b24ef35","quote":"AI may introduce the Company to novel or intensified legal, regulatory, ethical, operational, reputational or other risks. AI usage is subject to a range of existing laws and regulations.","link":"https://www.sec.gov/Archives/edgar/data/719402/000143774926009748/fxnc20251231_10k.htm#:~:text=Further%2C%20the%20Company%20may%20utilize%20new%20technology%2C%20such,or%20effectively%20than%20the%20Company%20does.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"first-united-corp-md","name":"First United Corp","state":"MD","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-025836-949f56d6a8f3","quote":"our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/763907/000110465926025836/func-20251231x10k.htm#:~:text=In%20addition%2C%20our%20implementation%20of%20certain%20new%20technologies%2C,financial%20condition%20and%20results%20of%20operations.","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":"0001193125-26-103635-88417ad20b8c","quote":"the CFPB published a report addressing the use by financial institutions of AI chatbots in the provision of financial products and services, which report also highlighted the limitations and various risks posed by such activity.","link":"https://www.sec.gov/Archives/edgar/data/717806/000119312526103635/fusb-20251231.htm#:~:text=In%202023%2C%20the%20CFPB%20published%20a%20report%20addressing,be%20developed%20at%20the%20national%20level.","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":"0001628280-26-012825-28f63948b743","quote":"The development and use of Artificial Intelligence (AI) presents risks and challenges that may adversely impact the Company’s business.","link":"https://www.sec.gov/Archives/edgar/data/1327607/000162828026012825/myfw-20251231.htm#:~:text=%E2%80%93The%20development%20and%20use%20of%20Artificial%20Intelligence%20%28AI%29,may%20adversely%20impact%20the%20Company%E2%80%99s%20business.","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-a588bedc5410","quote":"rapid adoption of AI by competitors, either in financial services or FinTech, could create significant pressure on pricing, automation, or client satisfaction. If we fail to keep pace with AI-enabled analytics and customer offerings, our competitive positioning could be detrimentally impacted.","link":"https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm#:~:text=In%20addition%2C%20our%20ability%20to%20successfully%20attract%20and,competitive%20positioning%20could%20be%20detrimentally%20impacted.","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":"0000723646-26-000016-61636fb5fc4b","quote":"The Corporation may use artificial intelligence (AI) in its business, and challenges with properly managing its use could result in disruption of its internal operations, reputational harm, competitive harm, legal liability and adversely affect its results of operations and stock price.","link":"https://www.sec.gov/Archives/edgar/data/723646/000072364626000016/fraf-20251231x10k.htm#:~:text=The%20Corporation%20may%20use%20artificial%20intelligence%20%28AI%29%20in,results%20of%20operations%20and%20stock%20price.","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":"0001193125-26-129567-5b9a90d7a1e9","quote":"The development and use of AI presents a number of risks and challenges to our business.","link":"https://www.sec.gov/Archives/edgar/data/1791145/000119312526129567/gbfh-20251231.htm#:~:text=We%20may%20develop%20or%20incorporate%20AI%20technology%20in,risks%20and%20challenges%20to%20our%20business.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"german-american-bancorp-inc","name":"German American Bancorp, Inc.","state":"IN","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000714395-26-000011-744ffdebc82a","quote":"emerging technologies such as artificial intelligence may further enhance their ability to perpetrate fraud","link":"https://www.sec.gov/Archives/edgar/data/714395/000071439526000011/gabc-20251231.htm#:~:text=Although%20we%20employ%20robust%20security%20measures%2C%20including%20authentication,enhance%20their%20ability%20to%20perpetrate%20fraud.","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":"0000775215-26-000025-2b5e9af7b57d","quote":"including as a result of increasingly sophisticated methods of conducting cyber-attacks, including those employing artificial intelligence","link":"https://www.sec.gov/Archives/edgar/data/775215/000077521526000025/hbt-20251231.htm#:~:text=Our%20operations%20rely%20heavily%20on%20the%20secure%20processing%2C,our%20own%20and%20may%20be%20inadequate.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"hanover-bancorp-inc-md","name":"Hanover Bancorp, Inc.","state":"NY","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-027651-62e5a5035210","quote":"financial institutions are investing significantly in new technologies, such as artificial intelligence, machine learning, blockchain and other distributed ledger technologies, and developing potentially industry-changing new products, services and industry standards","link":"https://www.sec.gov/Archives/edgar/data/1828588/000110465926027651/hnvr-20251231x10k.htm#:~:text=Our%20success%20in%20the%20competitive%20environment%20in%20which,or%20may%20not%20develop%20at%20all.","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":"heritage-commerce-corp","name":"Heritage Commerce Corp","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001628280-26-016050-d390e4a8211f","quote":"We expect that the development of AI-based technology will cause a rapid expansion in both the number and the sophistication of these threats.","link":"https://www.sec.gov/Archives/edgar/data/1053352/000162828026016050/htbk-20251231.htm#:~:text=Notwithstanding%20these%20efforts%2C%20cybersecurity%20measures%20are%2C%20by%20their,of%20unauthorized%20access%20to%20client%20accounts.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"hills-bancorporation","name":"Hills Bancorporation","state":"IA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000732417-26-000022-1762bd7b2fc0","quote":"Potential impact of artificial intelligence and quantum computing on our operations and competitiveness.","link":"https://www.sec.gov/Archives/edgar/data/732417/000073241726000022/hbia-20251231.htm#:~:text=Potential%20impact%20of%20artificial%20intelligence%20and%20quantum%20computing%20on%20our%20operations%20and%20competitiveness.","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":"investar-holding-corp","name":"Investar Holding Corp","state":"LA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-008446-925f6e8da2c5","quote":"Our failure to effectively implement new technologies including artificial intelligence could adversely affect our operations and financial condition.","link":"https://www.sec.gov/Archives/edgar/data/1602658/000143774926008446/istr20251231_10k.htm#:~:text=Our%20failure%20to%20effectively%20implement%20new%20technologies%20including,affect%20our%20operations%20and%20financial%20condition.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"isabella-bank-corp","name":"Isabella Bank Corp","state":"MI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000842517-26-000069-98ab42e589ab","quote":"Emerging technologies, such as artificial intelligence, may further increase the risk of a cyber-attack.","link":"https://www.sec.gov/Archives/edgar/data/842517/000084251726000069/isba-20251231.htm#:~:text=The%20introduction%20of%20new%20products%20and%20services%20can,effect%20on%20our%20business%20and%20reputation.","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":"0000036270-26-000010-628f7a4ca419","quote":"The development and use of AI, including by third parties, presents risks and challenges that may adversely impact M&T.","link":"https://www.sec.gov/Archives/edgar/data/36270/000003627026000010/mtb-20251231.htm#:~:text=%E2%80%A2The%20development%20and%20use%20of%20AI%2C%20including%20by,challenges%20that%20may%20adversely%20impact%20M%26T.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"mvb-financial-corp","name":"MVB Financial Corp","state":"WV","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001277902-26-000030-eaaa0e32ab06","quote":"These new products and services may include applications or financial-related services that implement artificial intelligence, machine learning, robotics, blockchain or new approaches to data mining.","link":"https://www.sec.gov/Archives/edgar/data/1277902/000127790226000030/mvbf-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,cybersecurity%20protection%20systems%2C%20implement%20advanced%20features","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"mercantile-bank-corp","name":"Mercantile Bank Corp","state":"MI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-005997-e0cfc7b0c38f","quote":"our implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, in our business processes may have unintended consequences due to their limitations or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/1042729/000143774926005997/mbwm20251231_10k.htm#:~:text=The%20banking%20industry%20is%20undergoing%20technological%20changes%20with,financial%20condition%20and%20results%20of%20operations.","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-b17408a46a37","quote":"Adoption of AI may present significant challenges relating to compliance risk, credit risk, reputation risk, and operational risk.","link":"https://www.sec.gov/Archives/edgar/data/1629019/000110465926021549/mbin-20251231x10k.htm#:~:text=Adoption%20of%20AI%20may%20present%20significant%20challenges%20relating,risk%2C%20reputation%20risk%2C%20and%20operational%20risk.","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":"0001747068-26-000010-252ef92670a4","quote":"especially in light of the risks being posed by the proliferation of new technologies, including artificial intelligence, the use of the Internet and telecommunications technologies to conduct financial transactions, and the increased sophistication and activities of cybercriminals","link":"https://www.sec.gov/Archives/edgar/data/1747068/000174706826000010/mcbs-20251231x10k.htm#:~:text=To%20date%2C%20none%20of%20foregoing%20types%20of%20attacks,of%20cybercriminals%20and%20other%20external%20parties..","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"national-bank-holdings-corp","name":"National Bank Holdings Corp","state":"CO","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001104659-26-019119-8ac9c40e9a06","quote":"the ability to invest in or leverage new technologies such as artificial intelligence and those relative to our digital banking platform","link":"https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm#:~:text=%C2%B7%20the%20ability%20to%20invest%20in%20or%20leverage,relative%20to%20our%20digital%20banking%20platform%3B","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":"new-peoples-bankshares-inc","name":"New Peoples Bankshares Inc","state":"VA","size_group":"Under $1B","max_detail":1,"quote":{"passage_id":"0001903596-26-000116-75e1bcf21f61","quote":"States have also started to regulate the use of artificial intelligence technologies.","link":"https://www.sec.gov/Archives/edgar/data/1163389/000190359626000116/nwpp_10k.htm#:~:text=Artificial%20Intelligence.%20CFPB%20and%20other%20federal%20regulatory%20guidance,valuation%20models%20comply%20with%20nondiscrimination%20laws.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"nicolet-bankshares-inc","name":"Nicolet Bankshares Inc","state":"WI","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001174850-26-000077-2cd1b442dad5","quote":"the use of artificial intelligence and quantum computing could exacerbate many of these risks","link":"https://www.sec.gov/Archives/edgar/data/1174850/000117485026000077/nic-20251231.htm#:~:text=Two%20traditional%20areas%2C%20deposit%20fraud%20%28check%20kiting%2C%20wire,many%20of%20these%20risks.%20Our%20anti%2D","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-be1177e9b265","quote":"including but not limited to artificial intelligence, which may be used by threat actors to perpetuate cyberattacks","link":"https://www.sec.gov/Archives/edgar/data/1336706/000133670626000020/npb-20251231.htm#:~:text=The%20techniques%20used%20to%20obtain%20unauthorized%2C%20improper%20or,members%2C%20vendors%2C%20clients%20and%20loan%20applicants.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"northwest-bancshares-inc","name":"Northwest Bancshares, Inc.","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001471265-26-000008-59fd39a9a6ca","quote":"Such risks have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.","link":"https://www.sec.gov/Archives/edgar/data/1471265/000147126526000008/nwbi-20251231.htm#:~:text=Despite%20the%20defensive%20measures%20we%20take%20designed%20to,telecommunications%20technologies%20to%20conduct%20financial%20transactions.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"oak-valley-bancorp","name":"Oak Valley Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-009757-0bd2d49f6d42","quote":"The rapid evolution and increased adoption of artificial intelligence technologies have also given rise to additional vulnerabilities and potential entry points for cyber threats.","link":"https://www.sec.gov/Archives/edgar/data/1431567/000143774926009757/ovly20251231_10k.htm#:~:text=Communications%20and%20information%20systems%20are%20essential%20to%20the,could%20also%20suffer%20significant%20reputational%20damage.","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":"0001104659-26-020393-9a12def4d579","quote":"rapid adoption of AI by competitors, either in financial services or FinTech, could create significant pressure on pricing, automation, or client satisfaction. If we fail to keep pace with AI-enabled analytics and customer offerings, our competitive positioning could be detrimentally impacted.","link":"https://www.sec.gov/Archives/edgar/data/357173/000110465926020393/osbc-20251231x10k.htm#:~:text=our%20primary%20market%20areas%20and%20elsewhere.%20Local%20competitors,competitive%20positioning%20could%20be%20detrimentally%20impacted.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"origin-bancorp-inc","name":"Origin Bancorp, Inc.","state":"LA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001516912-26-000011-f7ed9f318643","quote":"The rapid advancement and integration of artificial intelligence in financial services present risks related to data security, regulatory compliance, algorithmic biases, and operational reliability, which could impact our business, reputation, and regulatory obligations","link":"https://www.sec.gov/Archives/edgar/data/1516912/000151691226000011/obnk-20251231.htm#:~:text=%E2%80%A2The%20rapid%20advancement%20and%20integration%20of%20artificial%20intelligence,our%20business%2C%20reputation%2C%20and%20regulatory%20obligations%3B","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":"0001628280-26-017278-9150eb000e97","quote":"Implementation of certain new technologies, such as those related to artificial intelligence, automation and algorithms, may have unintended consequences due to their limitations, potential manipulation, or our failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/826154/000162828026017278/orrf-20251231.htm#:~:text=requirements%2C%20capital%20requirements%2C%20competitive%20alternatives%2C%20vendor%20relationships%20and,results%20of%20operations%20and%20financial%20condition.","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":"0001423869-26-000006-263127a1e296","quote":"The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.","link":"https://www.sec.gov/Archives/edgar/data/1423869/000142386926000006/pcb-20251231.htm#:~:text=We%20rely%20heavily%20on%20communications%2C%20information%20systems%20%28both,technologies%20may%20further%20increase%20these%20risks.","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-e9a7da56a0eb","quote":"The use of AI models developed by third parties introduces risks related to how those models are developed, trained, and deployed, including unauthorized material in training data and limited visibility into risk mitigation steps.","link":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000116/cash-20250930.htm#:~:text=The%20use%20of%20AI%20models%20developed%20by%20third,compliance%20costs%20and%20risk%20of%20non%2Dcompliance.","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":"0001628280-26-022508-1f81b502475a","quote":"The development and use of AI presents a number of risks and challenges, including concerns around safety and soundness, privacy and data-handling, fair access to financial services, fair treatment to customers, inaccuracy of results broadly known as “hallucinations” and compliance with applicable","link":"https://www.sec.gov/Archives/edgar/data/1098146/000162828026022508/pnbk-20251231.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20customers%20or%20counterparties,the%20risks%20to%20us%20of%20non%2Dcompliance.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"peoples-bancorp-inc","name":"Peoples Bancorp Inc","state":"OH","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0000318300-26-000099-5915d2fcf3fa","quote":"The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services, including artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/318300/000031830026000099/pebo-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,Peoples%E2%80%99%20growth%2C%20revenue%20and%20net%20income.","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":"0001104659-26-028106-4c638e83e10e","quote":"The development and use of AI presents several potential risks and challenges to our business. The legal and regulatory environment relating to AI is uncertain and rapidly evolving in the U.S. and internationally","link":"https://www.sec.gov/Archives/edgar/data/1056943/000110465926028106/pfis-20251231x10k.htm#:~:text=We%20or%20our%20third%2Dparty%20vendors%2C%20clients%20or%20counterparties,as%20well%20as%20intellectual%20property%2C%20privacy%2C","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-d69c32676203","quote":"Our current or future use of artificial intelligence or machine learning tools in our business operations could expose us to new or additional costs and risks, including the potential introduction of new vulnerabilities or cybersecurity risks","link":"https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm#:~:text=Our%20current%20or%20future%20use%20of%20artificial%20intelligence,and%20may%20impact%20our%20business%20results.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"popular-inc","name":"Popular, Inc.","state":"PR","size_group":"$50B and above","max_detail":1,"quote":{"passage_id":"0001193125-26-085756-935a737e2bbf","quote":"artificial intelligence which may put us at a","link":"https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm#:~:text=artificial%20intelligence%20which%20may%20put%20us%20at%20a","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":"0001104659-26-028599-4c7e850f24fe","quote":"The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services including those related to or involving artificial intelligence, machine learnings, blockchain and other distributed ledger technologies.","link":"https://www.sec.gov/Archives/edgar/data/1325670/000110465926028599/frst-20251231x10k.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,use%20of%20technology%20increases%20efficiency%20and","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"prosperity-bancshares-inc","name":"Prosperity Bancshares Inc","state":"TX","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-077437-554d31bc3c2c","quote":"The use of new technologies, including artificial intelligence (“AI”) and machine learning, may result in reputational harm, increased regulatory scrutiny and increased liability.","link":"https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm#:~:text=The%20use%20of%20new%20technologies%2C%20including%20artificial%20intelligence,increased%20regulatory%20scrutiny%20and%20increased%20liability.","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":"0001104659-26-021531-74f9597bcebb","quote":"The occurrence of fraudulent activity, breaches or failures of the Company’s information security controls or cybersecurity-related incidents, including those employing artificial intelligence or resulting from insider fraud","link":"https://www.sec.gov/Archives/edgar/data/906465/000110465926021531/qcrh-20251231x10k.htm#:~:text=%E2%97%8F%20The%20occurrence%20of%20fraudulent%20activity%2C%20breaches%20or,intelligence%20or%20resulting%20from%20insider%20fraud%3B","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"rbb-bancorp","name":"RBB Bancorp","state":"CA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-007387-1ec47178c300","quote":"The development and use of new technologies, including artificial intelligence (\"AI\"), can present risks and uncertainties that could adversely affect our business and financial condition.","link":"https://www.sec.gov/Archives/edgar/data/1499422/000143774926007387/rbb20251231_10k.htm#:~:text=The%20development%20and%20use%20of%20new%20technologies%2C%20including,affect%20our%20business%20and%20financial%20condition.","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-b7c48d04df15","quote":"The development and use of AI presents risks and challenges that may adversely affect our business.","link":"https://www.sec.gov/Archives/edgar/data/1071236/000107123626000027/rrbi-20251231.htm#:~:text=The%20development%20and%20use%20of%20AI%20presents%20risks%20and%20challenges%20that%20may%20adversely%20affect%20our%20business.","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":"0001628280-26-012787-4db30e3084bc","quote":"the widespread adoption of new technologies, including internet banking services, mobile banking services, cryptocurrencies and payment systems, and artificial intelligence, could require substantial expenditures to modify or adapt our existing products and services","link":"https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm#:~:text=In%20addition%2C%20the%20widespread%20adoption%20of%20new%20technologies%2C,sufficiently%20developing%20and%20maintaining%20loyal%20customers.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"seneca-bancorp-inc","name":"Seneca Bancorp, Inc.","state":"NY","size_group":"Under $1B","max_detail":1,"quote":{"passage_id":"0001104659-26-036813-3744ba4bc906","quote":"new technologies, including artificial intelligence, are increasingly leveraged by threat actors","link":"https://www.sec.gov/Archives/edgar/data/2072421/000110465926036813/snnf-20251231x10k.htm#:~:text=To%20date%2C%20the%20Company%20has%20not%20experienced%20any,practices%20and%20enhance%20its%20security%20posture.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"servisfirst-bancshares-inc","name":"ServisFirst Bancshares, Inc.","state":"AL","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001171843-26-001150-96f1474839b6","quote":"The banking and financial services industries are undergoing rapid technological changes, with frequent introductions of new technology-driven products and services, including those of artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm#:~:text=The%20banking%20and%20financial%20services%20industries%20are%20undergoing,compete%20or%20increase%20our%20overall%20expenses.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"shore-bancshares-inc","name":"Shore Bancshares Inc","state":"MD","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001035092-26-000014-81008d17cac9","quote":"Cybersecurity risks for banking organizations have significantly increased in recent years in part because of the proliferation of new technologies, including artificial intelligence, and the use of the internet and telecommunications technologies to conduct financial transactions.","link":"https://www.sec.gov/Archives/edgar/data/1035092/000103509226000014/shbi-20251231.htm#:~:text=Cybersecurity%20risks%20for%20banking%20organizations%20have%20significantly%20increased,telecommunications%20technologies%20to%20conduct%20financial%20transactions.","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":"skyline-bankshares-inc","name":"Skyline Bankshares, Inc.","state":"VA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-009154-2fd23145a183","quote":"the widespread adoption and rapid evolution of emerging technologies in the financial services industry, including artificial intelligence, cryptocurrencies (including stablecoins and meme coins), tokens, and other digital assets could negatively impact our ability to compete.","link":"https://www.sec.gov/Archives/edgar/data/1657642/000143774926009154/pkkw20251231_10k.htm#:~:text=We%20face%20vigorous%20competition%20from%20other%20banks%20and,results%20of%20operations%20and%20financial%20condition.","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":"0001104659-26-028542-8f1e61508f78","quote":"it is difficult to defend against every risk posed by changing technologies, including artificial intelligence.","link":"https://www.sec.gov/Archives/edgar/data/1038773/000110465926028542/smbk-20251231x10k.htm#:~:text=In%20addition%2C%20we%20provide%20our%20customers%20the%20ability,adversely%20affect%20our%20reputation%2C%20results%20of","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-bb7d7cb1eb0f","quote":"frequent introductions of new technology-driven products and services including those related to or involving artificial intelligence, machine learnings, blockchain and other distributed ledger technologies","link":"https://www.sec.gov/Archives/edgar/data/705432/000070543226000034/sbsi-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,technology%20increases%20efficiency%20and%20enables%20financial","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"steele-bancorp-inc","name":"Steele Bancorp Inc","state":"PA","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001437749-26-010240-5b4cc83877fd","quote":"implementation of new technologies, such as artificial intelligence, may have unintended consequences due to their limitations or the Company's failure to use them effectively.","link":"https://www.sec.gov/Archives/edgar/data/779227/000143774926010240/miff20251231_10k.htm#:~:text=To%20conduct%20the%20Company%E2%80%99s%20business%2C%20it%20relies%20heavily,financial%20condition%20and%20results%20of%20operations.","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":"0001473844-26-000006-52a352f234f5","quote":"We may experience operational challenges as we implement new products and technology enhancements, such as artificial intelligence, automation and algorithms in our business processes, which could result in unintended consequences due to their limitations or our failure to use them effectively","link":"https://www.sec.gov/Archives/edgar/data/1473844/000147384426000006/stel-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20changing%20rapidly%2C%20and,financial%20condition%20or%20results%20of%20operations.","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-a8e1d6f466a4","quote":"the Company may rely on AI models developed by third parties, and, to that extent, would be dependent in part on the manner in which those third parties develop and train their models","link":"https://www.sec.gov/Archives/edgar/data/1077428/000107742826000010/tcbi-20251231.htm#:~:text=monitoring%20the%20capabilities%20of%20the%20AI%20models%2C%20reducing,the%20effectiveness%20of%20its%20security%20measures.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"tompkins-financial-corp","name":"Tompkins Financial Corp","state":"NY","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001005817-26-000027-d8a0a51a03f9","quote":"The implementation and use of new and evolving Artificial Intelligence (\"AI\") technologies present uncertainties and challenges.","link":"https://www.sec.gov/Archives/edgar/data/1005817/000100581726000027/tmp-20251231.htm#:~:text=The%20implementation%20and%20use%20of%20new%20and%20evolving%20Artificial%20Intelligence%20%28%22AI%22%29%20technologies%20present%20uncertainties%20and%20challenges.","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-bankshares-inc-wv","name":"United Bankshares Inc","state":"WV","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-081470-65d0041ae5b7","quote":"new technologies, such as artificial intelligence and quantum computing, the use of the internet and telecommunications technologies (including mobile devices) to conduct financial and other business transactions","link":"https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm#:~:text=Information%20security%20risks%20for%20financial%20institutions%20like%20us,and%20malware%20designed%20to%20avoid%20detection.","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":"0000857855-26-000008-98f1f621cd3c","quote":"the use of artificial intelligence and quantum computing could exacerbate many of these risks","link":"https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm#:~:text=Deposit%20and%20loan%20fraud%20continue%20to%20be%20major,a%20major%20loss%20cannot%20be%20eliminated.","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-ae2976a57d8a","quote":"States have also started to regulate the use of artificial intelligence technologies.","link":"https://www.sec.gov/Archives/edgar/data/1572334/000119312526128416/vabk-20251231.htm#:~:text=Artificial%20Intelligence.%20The%20CFPB%20and%20other%20federal%20regulatory,valuation%20models%20comply%20with%20nondiscrimination%20laws.","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-a2ad8d1b8523","quote":"risks associated with the development and use of artificial intelligence","link":"https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm#:~:text=%E2%80%A2risks%20associated%20with%20the%20development%20and%20use%20of%20artificial%20intelligence%3B","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":"0000737468-26-000034-5b8fdd57d74a","quote":"emerging technologies, including artificial intelligence, which may be used to enhance the tactics, techniques, and procedures described above and facilitate new cyber threats","link":"https://www.sec.gov/Archives/edgar/data/737468/000073746826000034/wash-20251231.htm#:~:text=and%20the%20tactics%2C%20techniques%2C%20and%20procedures%20used%20in,our%20business%20operations%20and%20financial%20condition.","mention_words":"Sees AI as a risk","detail_words":"General"}},{"slug":"wesbanco-inc","name":"Wesbanco Inc","state":"WV","size_group":"$1B to $50B","max_detail":1,"quote":{"passage_id":"0001193125-26-085463-0be00e97de97","quote":"The adoption of new technologies by competitors, including internet banking services, mobile applications, advanced ATM functionality, artificial intelligence and cryptocurrencies could require Wesbanco to make additional substantial investments to modify or adapt the existing products and services","link":"https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm#:~:text=The%20financial%20services%20industry%20is%20continually%20undergoing%20rapid,affect%20Wesbanco%E2%80%99s%20growth%2C%20revenue%2C%20and%20profit.","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-bfd9f40d11a0","quote":"New or revised laws and regulations, including with respect to the use of artificial intelligence by financial institutions and service providers, may significantly impact our current and planned privacy, data protection and information security-related practices","link":"https://www.sec.gov/Archives/edgar/data/1166928/000116692826000010/wtba-20251231.htm#:~:text=Furthermore%2C%20there%20has%20been%20heightened%20legislative%20and%20regulatory,financial%20condition%20or%20results%20of%20operations.","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-cba755f86aa2","quote":"the continued evolution and increased usage of AI technologies may further increase these risks.","link":"https://www.sec.gov/Archives/edgar/data/1212545/000162828026010336/wal-20251231.htm#:~:text=continually%20enhance%20these%2C%20the%20nature%20of%20cyber%20threats,technologies%20may%20further%20increase%20these%20risks.","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"}}]}