In short. In its 2023 annual report, Heartland Financial Usa Inc mentions AI in 3 passages. It lists AI as a risk, but the report does not say how AI is controlled.
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
Yes
3 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.
General
What it says
Sees AI as a risk
Kinds of AI named
Chatbots and assistants
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
0 passages in 2022, 3 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 Heartland Financial Usa 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
Its most specific passage is "General"; for banks of its size the typical level is "General".
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
Yes
79 of 243 (33%)
Mentions generative AI
No
21 of 243 (9%)
Mentions AI agents
No
0 of 243 (0%)
What changed from 2022
3 passages new in the 2023 report, 0 passages from the 2022 report no longer there. The most specific passage is more detailed than last year.
Every passage about AI
What this shows
All 6 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
Investor presentation, Q1 2024 filed 27 Feb 2024
55 Digital & Innovation | Strategic Enablers • Integrated HTLF 3.0 Change Management • Expansion of Agile Delivery for major initiatives • Execute Digital Maturity Roadmap & Organizational Scorecard Organizational Agility • Establish governance and oversight • Behavioral Biometrics • Leverage AI within existing platform solutions • Build and execute Artificial Intelligence Roadmap Artificial Intelligence • Incorporate Customer Journey Mapping into new capabilities • Redesign Account Opening and Onboarding • Expand usage of Process Automation capabilities Process Modernization • Continued expansion of data into Snowflake (EDW) • KPI and customer engagement dashboards across digital assets • Commercial / Treasury Digital ERP Integration Data Enablement • Build-out of Digital and Innovation team • Fintech partner’s platform interoperability • Development of Branding and Style Guide User Experience & Design
Testing or planning AIDetail: Names an areaProcess automationOperationsOtherNew this periodNew since the annual report
57 Initiative Spotlight | Small Business Digital Bank INITIATIVE VISION & OBJECTIVES Deliver an efficient and cost-effective banking model through iterative releases that delivers superior value to small business customers targeting adjacent markets within our existing footprint Clients Businesses <$2MM in revenue Exploring vertical specialization In-footprint, out of market Objectives Scalable, cost-effective delivery Innovation / Tech Enablement Established ‘right to win’ INTEREST CHECKING SAVINGS ACCOUNT NON-INTEREST CHECKING DEBIT CARD MONEY MOVEMENT ACH Origination Mobile Check Deposit External Acct-to-Acct Transfers Incoming Wire Transfers Transaction Monitoring AI-Enabled Behavioral Biometrics Accounting Software Integration Digital Insights and Advice FRAUD & ADVISORY MVP OFFERING Q1 2025 LAUNCH PRIMARY ENABLERS Organizational Agility Process Modernization Data Enablement Artificial Intelligence UX & Design
Testing or planning AIDetail: Names an areaMachine learningFraud detectionCustomer serviceOperationsNew this periodNew since the annual report
58 Digital & Innovation | Key Takeaways Enhancing Organizational Agility Driving Process Modernization Introducing Artificial Intelligence Continuing Data Enablement Focusing on User Experience & Design
Standard wording or passing mentionDetail: GeneralNew this periodNew since the annual report
On October 30, 2023, the President issued an Executive Order on Safe, Secure and Trustworthy Development and Use of Artificial Intelligence (AI), emphasizing the need for transparency, accountability and fairness in the development and use of AI. The order seeks to address risks associated with AI by providing guiding principles and priorities, including ensuring that consumers are protected from fraud, discrimination and privacy risks related to AI. The Executive Order also requires certain federal agencies, including the CFPB, to address potential discrimination in the housing and consumer financial markets relating to the use by financial institutions of AI technologies. Prior to the issuance of the Executive Order, the CFPB published a report addressing the use by financial institutions of AI chatbots in the provision of financial products and services. The report
Sees AI as a riskDetail: GeneralChatbots and assistantsNew this year
Risks and exposures related to cybersecurity attacks, including fraud, litigation and enforcement risks, are expected to be elevated for the foreseeable future due to the rapidly evolving nature and sophistication of these threats, as well as due to the expanding use of AI, Internet banking, mobile banking and other technology-based products and services by us and our customers.