The Company’s potential use of artificial intelligence technologies, and future adoptions of similar technologies, could expose the Company to operational, regulatory, reputational and competitive risks.
Sees AI as a riskDetail: GeneralNew this year
Juniata Valley Financial Corp
JUVF · PA · Small bank (Under $1B)
Total assets of FDIC-insured bank subsidiaries: $0.9B at the end of 2025
Filings on the SEC website · This bank on Bankgraph
In short. In its 2025 annual report, Juniata Valley Financial Corp mentions AI in 6 passages. It lists AI as a risk and explains how AI is controlled.
In the 2025 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
6 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.
Names an area
What it says
Sees AI as a risk
Kinds of AI named
Machine learning
How AI is controlled
Vendor oversight
AI in its annual reports over time
- What this shows
- How many passages about AI each annual report contains, 2022 to 2025, by what they say.
- What it means
- 0 passages in 2022, 6 passages in 2025.
- 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
Show as a table
| Report year | Using or planning AI | Explains how AI is controlled | Sees AI as a risk | Other mentions |
|---|---|---|---|---|
| 2022 | ||||
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| 2023 | ||||
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| 2023 | ||||
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| 2024 | ||||
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| 2025 | ||||
| 2025 | ||||
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| 2025 |
Compared with banks of its size
- What this shows
- This bank's 2025 annual report next to all 6 banks of its size (Under $1B).
- What it means
- Its most specific passage is "Names an area"; for banks of its size the typical level is "Names an area".
- 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 2025 report | This bank | Banks of its size |
|---|---|---|
| Using AI now | No | 1 of 6 (17%) |
| Explains how AI is controlled | Yes | 2 of 6 (33%) |
| Sees AI as a risk | Yes | 4 of 6 (67%) |
| Mentions generative AI | No | 1 of 6 (17%) |
| Mentions AI agents | No | 1 of 6 (17%) |
What changed from 2024
6 passages new in the 2025 report, 0 passages from the 2024 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
Annual report, report year 2025 filed 25 Mar 2026
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, fraud detection, customer service, compliance monitoring, cybersecurity and marketing. As competition and customer expectations evolve, Juniata may determine to expand its use of AI technologies, including through internally developed systems or third-party service providers.
Sees AI as a riskDetail: Names an areaMachine learningCredit and lendingFraud detectionCustomer serviceCompliance and anti-money launderingCybersecurityMarketingNew this year
The implementation or expansion of AI technologies could introduce new and complex risks. AI systems may produce inaccurate, biased, or otherwise flawed outputs, including due to errors in design, data inputs, training methodologies, or model governance. If the Company relies on AI systems in credit decisioning, risk management, customer interactions, fraud detection, or other material functions, such systems may result in unintended discriminatory effects, inappropriate credit decisions, regulatory non-compliance, customer harm, or financial loss. In addition, AI systems may be vulnerable to cyberattacks, data manipulation, or other security breaches, including emerging forms of fraud such as deepfake impersonation or automated social engineering.
Sees AI as a riskDetail: GeneralNew this year
Even though Juniata does not directly deploy AI technologies, its third-party service providers, including core processors, fintech partners and other vendors, may incorporate AI into the products and services they provide to Juniata. The Company may have limited visibility into, or control over, the development, governance, testing, or regulatory compliance of such systems. Failures, misconduct or deficiencies in third-party AI systems could disrupt our operations, expose Juniata to legal or regulatory liability, or damage our reputation.
Sees AI as a riskDetail: Names an areaNew this year
The regulatory environment relating to AI is rapidly evolving at the federal and state levels, and supervisory expectations applicable to banking organizations may develop more quickly than formal rulemaking. New or changing laws, regulations, model risk management expectations, consumer protection standards, fair lending requirements, data privacy obligations or guidance concerning AI governance and transparency could increase the Company’s compliance costs,
Sees AI as a riskDetail: GeneralNew this year
Conversely, if Juniata is slower than competitors in adopting AI technologies or fails to implement them effectively, it may experience competitive disadvantages, including higher operating costs, less effective fraud detection, slower customer service, reduced marketing effectiveness or diminished ability to attract and retain customers and employees. Any of these risks could have a material adverse effect on the Company’s business, financial condition and results of operations.
Sees AI as a riskDetail: GeneralNew this year