In the 2023 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
No
0 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
None
What it says
Nothing
Kinds of AI named
None named
How AI is controlled
Not described
AI in its annual reports over time
What this shows
How many passages about AI each annual report contains, 2022 to 2023, by what they say.
What it means
1 passage in 2022, 0 passages in 2023.
How to read it
Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Passages about AI in FNCB Bancorp, Inc.'s annual reports, by report year.Show as a table
Report year
Using or planning AI
Explains how AI is controlled
Sees AI as a risk
Other mentions
2022
2022
2022
2022
2023
2023
2023
2023
Compared with banks of its size
What this shows
This bank's 2023 annual report next to all 243 banks of its size ($1B to $50B).
What it means
This bank does not give detail about AI.
How to read it
Yes or no for this bank; the share of banks of the same size for comparison.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
In the 2023 report
This bank
Banks of its size
Using AI now
No
2 of 243 (1%)
Explains how AI is controlled
No
4 of 243 (2%)
Sees AI as a risk
No
79 of 243 (33%)
Mentions generative AI
No
21 of 243 (9%)
Mentions AI agents
No
0 of 243 (0%)
What changed from 2022
0 passages new in the 2023 report, 1 passage from the 2022 report no longer there. The most specific passage is less detailed than last year.
Every passage about AI
What this shows
All 4 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
What it means
0 passages say the bank is using AI now.
How to read it
Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
Where it comes from
Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Quarterly report, Q3 2023 filed 3 Nov 2023
In addition to directing the steps necessary to close the transactions contemplated by the Merger Agreement, including seeking the required regulatory, shareholder or other approvals, management will continue to stay focused on prudent balance sheet and liquidity management, managing interest rate risk and controlling funding costs in a rising market rate environment, while continuing to evaluate opportunities to enhance net interest income and non-interest income run rates, as well as controlling non-interest expense. FNCB continues to expand its comprehensive digital strategy in response to evolving customer demands and to create operational and delivery channel efficiencies. These enhancements include initiatives related to the existing online banking platforms, continued utilization of our retail and commercial lending origination platforms and utilizing artificial intelligence and robotics to streamline workflows. FNCB continues to focus on building and strengthening FNCB's core customer base, including enhancing wallet share, and bank-wide staff development programs.
Testing or planning AIDetail: Names an areaProcess automationOperationsNew this periodNew since the annual report
Management remains focused on prudent balance sheet and liquidity management, managing interest rate risk and controlling funding costs in a rising market rate environment. Additionally, management continues to evaluate opportunities to enhance net interest income and non-interest income run rates, as well as controlling non-interest expense. FNCB will continue to expand its comprehensive digital strategy to respond to evolving customer demands and create operational and delivery channel efficiencies. Specifically, initiatives include enhancements to the existing online banking platforms, continued utilization of our retail and commercial lending origination platforms and utilizing artificial intelligence and robotics to streamline workflows. Additional areas of focus include: building and strengthening FNCB's core customer base, including enhancing wallet share, and bank-wide staff development programs.
Testing or planning AIDetail: Names an areaProcess automationOperationsNew since the annual report
Management remains focused on balance sheet management, managing interest rate risk and controlling funding costs in a rising market rate environment. Additionally, management continues to evaluate opportunities to enhance net interest income and non-interest income run rates, as well as controlling non-interest expense. FNCB will continue to expand its comprehensive digital strategy to respond to evolving customer demands and create operational and delivery channel efficiencies. Specifically, initiatives include enhancements to the existing online banking platforms, continued utilization of our retail and commercial lending origination platforms and utilizing artificial intelligence and robotics to streamline workflows. Additional areas of focus for 2023 include: bank-wide staff development, building and strengthening our core customer base including increasing existing customer wallet share.
Testing or planning AIDetail: Names an areaProcess automationOperationsNew since the annual report
Looking ahead to 2023, with increased market rates, management will focus on balance sheet management, managing interest rate risk, controlling funding costs and continuing to evaluate opportunities to enhance net interest income and non-interest income run rates going forward. FNCB will continue to expand its comprehensive digital strategy to respond to evolving customer demands and create operational and delivery channel efficiencies. Specific initiatives include enhancement to the existing online banking platforms, continued utilization of our retail and commercial lending origination platforms and utilizing artificial intelligence and robotics to streamline workflows. Additional areas of focus for 2023 include: acquisition and retainage of qualified staff, building and strengthening our core customer base including increasing existing customer wallet share and organic loan growth.
Testing or planning AIDetail: Names an areaProcess automationOperations