Questions

How many banks mention AI?

239 of 270 banks (89%) mention AI in their 2025 annual reports. In the 2022 reports it was 32 of 298 (11%).

The banks

• Bank of Hawaii Corp
  HI · Mid-size bank ($1B to $50B)

  in 2025 we rolled out three training modules for employees to complete in order to gain access to our artificial intelligence (“AI”) tool Microsoft Co-Pilot.

  Using AI nowRead it in the report
• Bank of Marin Bancorp
  CA · Mid-size bank ($1B to $50B)

  The Company’s deployment of artificial intelligence at this time is generally limited to internally focused, assistive productivity tools such as Microsoft Copilot.

  Using AI nowRead it in the report
• Capital Bancorp Inc
  MD · Mid-size bank ($1B to $50B)

  Capital Bank uses data analytics, including AI and proprietary models, throughout the OpenSky™ customer lifecycle to support fraud prevention and credit decisioning.

  Using AI nowRead it in the report
• Central Bancompany, Inc.
  MO · Mid-size bank ($1B to $50B)

  we recently launched a new money management tool that includes AI-enabled cash flow forecasting

  Using AI nowRead it in the report
• Fifth Third Bancorp
  OH · Large bank ($50B and above)

  Fifth Third launched a comprehensive platform designed to deliver leadership development content and experiences for leaders at all levels. Several new development offerings were launched, including generative Artificial Intelligence (“AI”) training

  Using AI nowRead it in the report
• First Financial Corp
  IN · Mid-size bank ($1B to $50B)

  The Corporation implemented a form of AI with its intelligent digital assistant, Gabby, available through the Bank’s website.

  Sees AI as a riskRead it in the report
• Princeton Bancorp, Inc.
  PA · Mid-size bank ($1B to $50B)

  These include Sophos for advanced cybersecurity threat detection and response, Verafin for fraud detection and AML compliance, the Glia Chatbot for enhancing customer service interactions, and CATO Networks for AI-driven network security and optimization.

  Using AI nowRead it in the report
• Triumph Financial, Inc.
  TX · Mid-size bank ($1B to $50B)

  we acquired Greenscreens AI. Inc., a pricing solution for the logistics industry that delivers short-term freight market pricing intelligence and business insights, which further augmented the product and service offerings of our Intelligence division.

  Using AI nowRead it in the report
• U.S. Bancorp
  MN · Large bank ($50B and above)

  The Company also launched an “AI Essentials Channel” on Skills Academy, which is designed to help team members build skills in effectively using Company-approved artificial intelligence tools in their daily work.

  Using AI nowRead it in the report
• 1ST Source Corp
  IN · Mid-size bank ($1B to $50B)

  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.

  Testing or planning AIRead it in the report
• Acnb Corp
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Ally Financial Inc.
  MI · Large bank ($50B and above)

  advancing technology that powers dealer and consumer centric products and services leveraging our ongoing investment in data and AI

  General statement about AIRead it in the report
• Amalgamated Financial Corp.
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• American Express Co
  NY · Large bank ($50B and above)

  We have established, and continue to maintain, policies and a governance framework to comply with applicable laws and requirements in these areas, meet evolving customer and industry expectations and support and enable business innovation and growth

  Explains how AI is controlledRead it in the report
• Ameris Bancorp
  GA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Arrow Financial Corp
  NY · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Associated Banc-Corp
  WI · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Atlantic Union Bankshares Corp
  VA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Avidbank Holdings, Inc.
  CA · Mid-size bank ($1B to $50B)

  we currently use a software product with AI technology to enhance our fraud detection capabilities for our clients’ banking activity

  Using AI nowRead it in the report
• Banc of California, Inc.
  CA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Bancorp, Inc.
  DE · Mid-size bank ($1B to $50B)

  We continue to invest in our infrastructure, with a focus on investing in automation and AI tools to gain cost efficiency and increase productivity of our people and platform

  Testing or planning AIRead it in the report
• Bank of America Corp
  NC · Large bank ($50B and above)

  Under our Enterprise Model Risk Policy, Model Risk Management is required to perform end-to-end model oversight, including independent validation before initial use, implementation monitoring, ongoing monitoring reviews through outcomes analysis and benchmarking, and periodic revalidation.

  Explains how AI is controlledRead it in the report
• Bank of New York Mellon Corp
  NY · Large bank ($50B and above)

  In 2025 we built out our AI training offerings so all employees can develop this important

  Using AI nowRead it in the report
• Bankwell Financial Group, Inc.
  CT · Mid-size bank ($1B to $50B)

  our current and potential future use of AI to support loan origination processes may introduce additional risk of inaccurate, incomplete, or misrepresented information

  Sees AI as a riskRead it in the report
• BayCom Corp
  CA · Mid-size bank ($1B to $50B)

  Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.

  Sees AI as a riskRead it in the report
• Bok Financial Corp
  OK · Large bank ($50B and above)

  Each initiative is subject to a specific internal governance process designed to assess risks related to data quality, bias, regulatory compliance, and ethical considerations.

  Sees AI as a riskRead it in the report
• Byline Bancorp, Inc.
  IL · Mid-size bank ($1B to $50B)

  address material risks from potential cybersecurity threats, including threats utilizing generative AI, and to facilitate the governance and oversight of cybersecurity risks

  Explains how AI is controlledRead it in the report
• C & F Financial Corp
  VA · Mid-size bank ($1B to $50B)

  We are evaluating potential use cases across all subsidiaries and departments for the prudent adoption of Artificial Intelligence (AI) including robotic process automation, generative and agentic AI, and machine learning tools.

  Testing or planning AIRead it in the report
• CNB Financial Corp
  PA · Mid-size bank ($1B to $50B)

  We have begun to utilize AI technologies in various aspects of our business, including internal training material creation.

  Using AI nowRead it in the report
• CVB Financial Corp
  CA · Mid-size bank ($1B to $50B)

  We have adopted an AI Policy that establishes a governance framework for developing, deploying, and managing AI and Generative AI (GenAI) solutions and initiatives, including those involving vendors.

  Explains how AI is controlledRead it in the report
• Camden National Corp
  ME · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Capital City Bank Group Inc
  FL · Mid-size bank ($1B to $50B)

  associated with assessing the proper operation of AI models, understanding

  Explains how AI is controlledRead it in the report
• Capital One Financial Corp
  VA · Large bank ($50B and above)

  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.

  Sees AI as a riskRead it in the report
• Chain Bridge Bancorp Inc
  VA · Mid-size bank ($1B to $50B)

  We have incorporated, and may in the future further incorporate, AI technology in certain business processes, services, and products, including technologies that process sensitive financial and/or personal data. We currently rely on AI tools and models provided by third-party vendors

  Using AI nowRead it in the report
• Charles Schwab Corp
  TX · Large bank ($50B and above)

  Schwab manages model risk, including use of artificial intelligence, through use of policies, standards, and controls which evaluate the conceptual and technical soundness of models used by the Company. Prior to the use of any artificial intelligence, we employ procedures which require

  Explains how AI is controlledRead it in the report
• Chemung Financial Corp
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Choiceone Financial Services Inc
  MI · Mid-size bank ($1B to $50B)

  we are experimenting with automation and AI‑driven solutions designed to modernize processes to augment the ability for our existing staff to manage our growth

  Testing or planning AIRead it in the report
• Citigroup Inc
  NY · Large bank ($50B and above)

  applied technology solutions leveraging AI to support governance of data reported in key regulatory reports

  Using AI nowRead it in the report
• Citizens Financial Group Inc
  RI · Large bank ($50B and above)

  By leveraging artificial intelligence and advanced learning platforms we are accelerating personalized learning and building capacity for skill development.

  Using AI nowRead it in the report
• Coastal Financial Corp
  WA · Mid-size bank ($1B to $50B)

  We currently use, and may in the future evaluate or implement, artificial intelligence (“AI”), automation, and similar technologies to support certain internal processes or business functions.

  Using AI nowRead it in the report
• Commercial Bancgroup, Inc.
  TN · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Community Financial System, Inc.
  NY · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• ConnectOne Bancorp, Inc.
  NJ · Mid-size bank ($1B to $50B)

  We have begun and intend to continue to selectively incorporate AI technology in certain business processes, fraud detections, services or products, including technologies that process sensitive financial and/or personal data.

  Using AI nowRead it in the report
• Customers Bancorp, Inc.
  PA · Mid-size bank ($1B to $50B)

  In 2025, the Bank launched enterprise-wide training covering foundational AI concepts, responsible-use protocols, and real-world applications tailored to business needs. These initiatives have already generated measurable efficiencies and continue to accelerate the integration of AI into core

  Using AI nowRead it in the report
• Dime Commercial Bancshares, Inc.
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• ENB Financial Corp
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Eagle Bancorp Inc
  MD · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Eagle Bancorp Montana, Inc.
  MT · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• F.N.B. Corporation
  PA · Large bank ($50B and above)

  continually make technological investments to remain competitive in the financial services industry, including the use of AI.

  Using AI nowRead it in the report
• FB Financial Corp
  TN · Mid-size bank ($1B to $50B)

  Our current use of AI is confined to controlled, non‑critical administrative or productivity‑support purposes, such as research assistance, drafting, and data summarization.

  Using AI nowRead it in the report
• Financial Institutions Inc
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Finwise Bancorp
  UT · Small bank (Under $1B)

  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

  Sees AI as a riskRead it in the report
• First Bancorp, Inc
  ME · Mid-size bank ($1B to $50B)

  Currently employees have access to generative AI applications for limited productivity and research purposes.

  Using AI nowRead it in the report
• First Busey Corp
  KS · Mid-size bank ($1B to $50B)

  The use of artificial intelligence-powered tools provide additional layers of fraud and threat detection, enabling proactive management.

  Using AI nowRead it in the report
• First Business Financial Services, Inc.
  WI · Mid-size bank ($1B to $50B)

  Provided employees with extensive artificial intelligence tools training to enhance productivity and proficiency, modernize workflows, and improve operational efficiency across the Company.

  Using AI nowRead it in the report
• First Citizens Bancshares Inc
  NC · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• First Hawaiian, Inc.
  HI · Mid-size bank ($1B to $50B)

  policies for critical security operational functions related to encryption, endpoint protection, vulnerability management, remote access, multifactor authentication, handling confidential information, use of internet, social media, email, artificial intelligence (AI), and wireless devices

  Explains how AI is controlledRead it in the report
• First Horizon Corp
  TN · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• First Interstate Bancsystem Inc
  MT · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• First Merchants Corp
  IN · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Five Star Bancorp
  CA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Flushing Financial Corp
  NY · Mid-size bank ($1B to $50B)

  we can increase our ability to detect and prevent cyber-attacks through automation and the implementation of security controls which leverage machine learning and artificial intelligence

  Using AI nowRead it in the report
• Fulton Financial Corp
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Glacier Bancorp, Inc.
  MT · Mid-size bank ($1B to $50B)

  emerging risks from the use of applications that may rely on artificial intelligence

  Sees AI as a riskRead it in the report
• Goldman Sachs Group
  NY · Large bank ($50B and above)

  the Firmwide Artificial Intelligence Risk and Controls Committee, which oversees risks associated with the use of AI, reports to the Firmwide Technology Risk Committee.

  Explains how AI is controlledRead it in the report
• Great Southern Bancorp, Inc.
  MO · Mid-size bank ($1B to $50B)

  Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.

  Sees AI as a riskRead it in the report
• HSBC Usa Inc
  NY · Large bank ($50B and above)

  We support leaders and model developers with training that helps them understand and apply our principles on the ethical use of big data and artificial intelligence.

  Explains how AI is controlledRead it in the report
• Hancock Whitney Corp
  MS · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Hanmi Financial Corp
  CA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Horizon Bancorp Inc
  IN · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Huntington Bancshares Inc
  OH · Large bank ($50B and above)

  We use AI in connection with our business and operations, which exposes us to inherent risks that may expose us to material harm.

  Sees AI as a riskRead it in the report
• Independent Bank Corp
  MI · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• International Bancshares Corp
  TX · Mid-size bank ($1B to $50B)

  Artificial Intelligence Ethics & Governance Policy, which integrates AI-specific security requirements into our ISSP and incident response processes.

  Explains how AI is controlledRead it in the report
• JPMorgan Chase & Co.
  NY · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Juniata Valley Financial Corp
  PA · Small bank (Under $1B)

  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,

  Sees AI as a riskRead it in the report
• KeyCorp
  OH · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• LCNB Corp
  OH · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Lakeland Financial Corp
  IN · Mid-size bank ($1B to $50B)

  Data processing fees and supplies expense increased $1.4 million, or 9.1%, from continued investment in customer-facing and operational technology solutions, including artificial intelligence.

  Testing or planning AIRead it in the report
• Live Oak Bancshares, Inc.
  NC · Mid-size bank ($1B to $50B)

  We continually evaluate and selectively deploy emerging technologies like artificial intelligence (“AI”), sometimes referred to as AI, and machine learning for incorporation in our business.

  Using AI nowRead it in the report
• MUNCY COLUMBIA FINANCIAL Corp
  PA · Mid-size bank ($1B to $50B)

  The Corporation has adopted an AI and Automated Tool Usage Policy to establish guidelines for the responsible, secure, and compliant use of AI systems, automated bots, Application Programming Interfaces (“APIs”), and machine learning technologies within the organization.

  Explains how AI is controlledRead it in the report
• MainStreet Bancshares, Inc.
  VA · Mid-size bank ($1B to $50B)

  We have implemented an AI governance function and risk management framework that includes a risk assessment of internal and vendor AI solutions, due diligence, and controls.

  Explains how AI is controlledRead it in the report
• Mechanics Bancorp
  CA · Mid-size bank ($1B to $50B)

  We use artificial intelligence on a limited basis. The use of artificial intelligence may result in reputational harm or

  Sees AI as a riskRead it in the report
• Meridian Corp
  PA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Metropolitan Bank Holding Corp.
  NY · Mid-size bank ($1B to $50B)

  the Company may decide to undertake initiatives that are intended to improve, among other things, the scalability of our information systems, increase the Company’s data mining abilities, improve payment processing capabilities and enhance our customers’ experience, including through the

  Testing or planning AIRead it in the report
• Midland States Bancorp, Inc.
  IL · Mid-size bank ($1B to $50B)

  This includes development in areas such as generative artificial intelligence, robotic process automation, process improvement, and data-informed decision-making.

  Using AI nowRead it in the report
• Morgan Stanley
  NY · Large bank ($50B and above)

  We continually review our Cybersecurity Program, and make adjustments where appropriate, to address the evolving cybersecurity threat landscape, including threats arising from new technologies, such as generative artificial intelligence

  Explains how AI is controlledRead it in the report
• NBT Bancorp Inc
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• NewtekOne, Inc.
  FL · Mid-size bank ($1B to $50B)

  we leverage software and artificial intelligence (“AI”) to extract, process and exchange information from borrowers and businesses in need of a business or financial solution.

  Using AI nowRead it in the report
• Northern Trust Corp
  IL · Large bank ($50B and above)

  Northern Trust uses a variety of machine learning and artificial intelligence (AI) solutions to process transactional activity more efficiently and to mitigate risk. These uses currently include, among others, digitizing documents, detecting anomalous, fraudulent transactions and training services

  Using AI nowRead it in the report
• OFG Bancorp
  PR · Mid-size bank ($1B to $50B)

  a self-service platform powered by AI that provides real time analytics, insights, recommended actions, and learning tools focused on expectations, recognition, collaboration, and development

  Using AI nowRead it in the report
• OP Bancorp
  CA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Oceanfirst Financial Corp
  NJ · Mid-size bank ($1B to $50B)

  The Company’s investment in technology, including modern data model incorporating artificial intelligence into processing efforts, lays a foundation for future growth, scale, and operational efficiency

  Testing or planning AIRead it in the report
• Old National Bancorp
  IN · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Orange County Bancorp, Inc.
  NY · Mid-size bank ($1B to $50B)

  investment in data mining and artificial intelligence

  Testing or planning AIRead it in the report
• PNC Financial Services Group
  PA · Large bank ($50B and above)

  There are risks resulting from the extensive use of models, some of which use AI, in our business.

  Sees AI as a riskRead it in the report
• Peoples Bancorp of North Carolina Inc
  NC · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Raymond James Financial Inc
  FL · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Regions Financial Corp
  AL · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Renasant Corp
  MS · Mid-size bank ($1B to $50B)

  a new back-office process or procedure (each of which may involve the incorporation of AI technologies), the implications to the Company’s information security are required to be considered.

  Explains how AI is controlledRead it in the report
• Republic Bancorp Inc
  KY · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Richmond Mutual Bancorporation, Inc.
  IN · Mid-size bank ($1B to $50B)

  Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and customer support.

  Sees AI as a riskRead it in the report
• S&T Bancorp
  PA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• SB Financial Group, Inc.
  OH · Mid-size bank ($1B to $50B)

  network/endpoint detection and response coupled with advanced identification-enhanced logging capabilities powered by artificial intelligence software

  Using AI nowRead it in the report
• Santander Holdings USA, Inc.
  MA · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Sierra Bancorp
  CA · Mid-size bank ($1B to $50B)

  the Company’s deployment of AI at this time is generally limited to fraud detection or prevention; we continue to evaluate whether to implement additional AI tools, or agentic AI, in certain limited capacities

  Using AI nowRead it in the report
• SouthState Bank Corp
  FL · Large bank ($50B and above)

  We have adopted a formal AI Strategy and are making focused investments in AI tools and automation and other technology solutions to improve both our customer facing and back-office services for internal efficiencies

  Testing or planning AIRead it in the report
• State Street Corp
  MA · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Stock Yards Bancorp, Inc.
  KY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Synchrony Financial
  CT · Large bank ($50B and above)

  utilizing a comprehensive set of marketing technology tools and machine learning algorithms, often tailored to the portfolio or product, focused on expanding and optimizing customer relationships through data-led personalization capabilities

  Using AI nowRead it in the report
• Trico Bancshares /
  CA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Truist Financial Corp
  NC · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• UNIVEST FINANCIAL Corp
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Umb Financial Corp
  MO · Large bank ($50B and above)

  The Company has also established a Technology, Operations, Privacy and Security Committee (TOPS) to oversee the business continuity and resilience, corporate security, fraud, information security, privacy, information technology, and third-party risk management (including emerging technology (e.g.,

  Explains how AI is controlledRead it in the report
• Union Bankshares Inc
  VT · Mid-size bank ($1B to $50B)

  We are piloting and selectively using artificial intelligence and machine learning technologies in limited, primarily internal functions, which exposes us to operational, regulatory, and reputational risks that could adversely affect our business.

  Using AI nowRead it in the report
• United Bancorp Inc
  OH · Small bank (Under $1B)

  we also began implementing an artificial intelligence (AI) solution designed to better serve customers by answering inquiries more effectively, guiding customers to the best financial solutions, and supporting more modern, customer-centric delivery

  Testing or planning AIRead it in the report
• Unity Bancorp Inc
  NJ · Mid-size bank ($1B to $50B)

  We use, and expect to continue to expand our use of, artificial intelligence and machine learning technologies, including generative artificial intelligence models, in our operations and through third-party vendors.

  Using AI nowRead it in the report
• Uscb Financial Holdings, Inc.
  FL · Mid-size bank ($1B to $50B)

  on AI, and integration challenges with existing

  Sees AI as a riskRead it in the report
• Valley National Bancorp
  NY · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• WSFS Financial Corp
  DE · Mid-size bank ($1B to $50B)

  Advancing how we use data, the deployment of artificial intelligence and predictive modeling to create operational efficiencies and redesign business models.

  Testing or planning AIRead it in the report
• Webster Financial Corp
  CT · Large bank ($50B and above)

  Assisting the Risk Committee with reviewing and overseeing risks related to cybersecurity and the development, deployment, and acceptable use of artificial intelligence

  Explains how AI is controlledRead it in the report
• Wells Fargo & Company
  CA · Large bank ($50B and above)

  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.

  Sees AI as a riskRead it in the report
• Wintrust Financial Corp
  IL · Large bank ($50B and above)

  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.

  Sees AI as a riskRead it in the report
• Zions Bancorporation, National Association
  UT · Large bank ($50B and above)

  we utilize certain AI solutions to support, inform, or augment decision-making and client interactions, with all final actions subject to human oversight and review

  Using AI nowRead it in the report
• Alerus Financial Corp
  ND · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Amerant Bancorp Inc.
  FL · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Ameriserv Financial Inc
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Ames National Corp
  IA · Mid-size bank ($1B to $50B)

  Use of artificial intelligence may result in reputational harm or liability, or could otherwise adversely affect the Company’s business.

  Sees AI as a riskRead it in the report
• Auburn National Bancorporation, Inc
  AL · Mid-size bank ($1B to $50B)

  including through the use of artificial intelligence and state sponsorship

  Sees AI as a riskRead it in the report
• BancFirst Corp
  OK · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Bancplus Corp
  MS · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Bank First Corp
  WI · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Bank of the James Financial Group Inc
  VA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Banner Corp
  WA · Mid-size bank ($1B to $50B)

  Our current and future uses of Artificial Intelligence (AI) and other emerging technologies may create additional risks.

  Sees AI as a riskRead it in the report
• Bar Harbor Bankshares
  ME · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• BayFirst Financial Corp.
  FL · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Blue Ridge Bankshares, Inc.
  VA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Bridgewater Bancshares Inc
  MN · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Burke & Herbert Financial Services Corp.
  VA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Business First Bancshares, Inc.
  LA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• California BanCorp
  CA · Mid-size bank ($1B to $50B)

  The development and use of artificial intelligence may result in reputational harm or liability, or could adversely affect our business.

  Sees AI as a riskRead it in the report
• Carter Bankshares, Inc.
  VA · Mid-size bank ($1B to $50B)

  The development and use of Artificial Intelligence (“AI”) technologies present risks that could adversely affect our business, financial condition, and results of operations.

  Sees AI as a riskRead it in the report
• Central Pacific Financial Corp
  HI · Mid-size bank ($1B to $50B)

  We continually encounter technological change including developments in artificial intelligence.

  Sees AI as a riskRead it in the report
• Citizens & Northern Corp
  PA · Mid-size bank ($1B to $50B)

  fraud and cyber malfunction risks as usage of artificial intelligence continues to expand

  Sees AI as a riskRead it in the report
• City Holding Co
  WV · Mid-size bank ($1B to $50B)

  Criminals are committing fraud at an increasing rate and are using more sophisticated techniques, including the use of artificial intelligence technologies.

  Sees AI as a riskRead it in the report
• CoastalSouth Bancshares, Inc.
  GA · Mid-size bank ($1B to $50B)

  the use of artificial intelligence could exacerbate many of these risks

  Sees AI as a riskRead it in the report
• Colony Bankcorp Inc
  GA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Columbia Banking System, Inc.
  WA · Large bank ($50B and above)

  The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.

  Sees AI as a riskRead it in the report
• Commerce Bancshares Inc
  MO · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Community West Bancshares
  CA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Cullen/frost Bankers, Inc.
  TX · Large bank ($50B and above)

  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.

  Sees AI as a riskRead it in the report
• Eagle Financial Services Inc
  VA · Mid-size bank ($1B to $50B)

  The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.

  Sees AI as a riskRead it in the report
• East West Bancorp Inc
  CA · Large bank ($50B and above)

  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.

  Sees AI as a riskRead it in the report
• Enterprise Financial Services Corp
  MO · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Equity Bancshares Inc
  KS · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• FVCBankcorp, Inc.
  VA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Farmers & Merchants Bancorp
  CA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Farmers National Banc Corp
  OH · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Fidelity D & D Bancorp Inc
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• First Commonwealth Financial Corp
  PA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• First Community Bankshares Inc
  VA · Mid-size bank ($1B to $50B)

  We may face new operational, compliance, reputational and legal risks due to the development and use of artificial intelligence.

  Sees AI as a riskRead it in the report
• First Community Corp
  SC · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• First Financial Bancorp
  OH · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• First Financial Bankshares Inc
  TX · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• First Keystone Corp
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• First National Corp
  VA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• First United Corp
  MD · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• First Us Bancshares, Inc.
  AL · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• First Western Financial Inc
  CO · Mid-size bank ($1B to $50B)

  The development and use of Artificial Intelligence (AI) presents risks and challenges that may adversely impact the Company’s business.

  Sees AI as a riskRead it in the report
• Firstsun Capital Bancorp
  CO · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Franklin Financial Services Corp
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• GBank Financial Holdings Inc.
  NV · Mid-size bank ($1B to $50B)

  The development and use of AI presents a number of risks and challenges to our business.

  Sees AI as a riskRead it in the report
• German American Bancorp, Inc.
  IN · Mid-size bank ($1B to $50B)

  emerging technologies such as artificial intelligence may further enhance their ability to perpetrate fraud

  Sees AI as a riskRead it in the report
• HBT Financial, Inc.
  IL · Mid-size bank ($1B to $50B)

  including as a result of increasingly sophisticated methods of conducting cyber-attacks, including those employing artificial intelligence

  Sees AI as a riskRead it in the report
• Hanover Bancorp, Inc.
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Hawthorn Bancshares, Inc.
  MO · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Heritage Commerce Corp
  CA · Mid-size bank ($1B to $50B)

  We expect that the development of AI-based technology will cause a rapid expansion in both the number and the sophistication of these threats.

  Sees AI as a riskRead it in the report
• Hills Bancorporation
  IA · Mid-size bank ($1B to $50B)

  Potential impact of artificial intelligence and quantum computing on our operations and competitiveness.

  Sees AI as a riskRead it in the report
• Hilltop Holdings Inc.
  TX · Mid-size bank ($1B to $50B)

  competition among providers of financial products and services continues to increase as technological advances, including artificial intelligence and automation, have lowered the barriers to entry for financial technology companies

  General statement about AIRead it in the report
• Home Bancshares Inc
  AR · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Hope Bancorp Inc
  CA · Mid-size bank ($1B to $50B)

  The development and use of artificial intelligence (“AI”) presents risks and challenges that may adversely impact the Company’s business.

  Sees AI as a riskRead it in the report
• Independent Bank Corp
  MA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Investar Holding Corp
  LA · Mid-size bank ($1B to $50B)

  Our failure to effectively implement new technologies including artificial intelligence could adversely affect our operations and financial condition.

  Sees AI as a riskRead it in the report
• Isabella Bank Corp
  MI · Mid-size bank ($1B to $50B)

  Emerging technologies, such as artificial intelligence, may further increase the risk of a cyber-attack.

  Sees AI as a riskRead it in the report
• John Marshall Bancorp, Inc.
  VA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Landmark Bancorp Inc
  KS · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• M&T Bank Corp
  NY · Large bank ($50B and above)

  The development and use of AI, including by third parties, presents risks and challenges that may adversely impact M&T.

  Sees AI as a riskRead it in the report
• MVB Financial Corp
  WV · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Mercantile Bank Corp
  MI · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Merchants Bancorp
  IN · Mid-size bank ($1B to $50B)

  Adoption of AI may present significant challenges relating to compliance risk, credit risk, reputation risk, and operational risk.

  Sees AI as a riskRead it in the report
• MetroCity Bankshares, Inc.
  GA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• National Bank Holdings Corp
  CO · Mid-size bank ($1B to $50B)

  the ability to invest in or leverage new technologies such as artificial intelligence and those relative to our digital banking platform

  Sees AI as a riskRead it in the report
• National Bankshares Inc
  VA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• New Peoples Bankshares Inc
  VA · Small bank (Under $1B)

  States have also started to regulate the use of artificial intelligence technologies.

  Sees AI as a riskRead it in the report
• Nicolet Bankshares Inc
  WI · Mid-size bank ($1B to $50B)

  the use of artificial intelligence and quantum computing could exacerbate many of these risks

  Sees AI as a riskRead it in the report
• Northpointe Bancshares Inc
  MI · Mid-size bank ($1B to $50B)

  including but not limited to artificial intelligence, which may be used by threat actors to perpetuate cyberattacks

  Sees AI as a riskRead it in the report
• Northwest Bancshares, Inc.
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Oak Valley Bancorp
  CA · Mid-size bank ($1B to $50B)

  The rapid evolution and increased adoption of artificial intelligence technologies have also given rise to additional vulnerabilities and potential entry points for cyber threats.

  Sees AI as a riskRead it in the report
• Old Second Bancorp Inc
  IL · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Origin Bancorp, Inc.
  LA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Orrstown Financial Services Inc
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• PCB Bancorp
  CA · Mid-size bank ($1B to $50B)

  The continued evolution and increased usage of artificial intelligence technologies may further increase these risks.

  Sees AI as a riskRead it in the report
• Pathward Financial, Inc.
  SD · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Patriot National Bancorp Inc
  CT · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Peoples Bancorp Inc
  OH · Mid-size bank ($1B to $50B)

  The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services, including artificial intelligence.

  Sees AI as a riskRead it in the report
• Peoples Financial Services Corp.
  PA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Pinnacle Financial Partners, Inc.
  GA · Large bank ($50B and above)

  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

  Sees AI as a riskRead it in the report
• Popular, Inc.
  PR · Large bank ($50B and above)

  artificial intelligence which may put us at a

  Sees AI as a riskRead it in the report
• Primis Financial Corp.
  VA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Prosperity Bancshares Inc
  TX · Mid-size bank ($1B to $50B)

  The use of new technologies, including artificial intelligence (“AI”) and machine learning, may result in reputational harm, increased regulatory scrutiny and increased liability.

  Sees AI as a riskRead it in the report
• QCR Holdings Inc
  IL · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• RBB Bancorp
  CA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Red River Bancshares Inc
  LA · Mid-size bank ($1B to $50B)

  The development and use of AI presents risks and challenges that may adversely affect our business.

  Sees AI as a riskRead it in the report
• Seacoast Banking Corp of Florida
  FL · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Seneca Bancorp, Inc.
  NY · Small bank (Under $1B)

  new technologies, including artificial intelligence, are increasingly leveraged by threat actors

  Sees AI as a riskRead it in the report
• ServisFirst Bancshares, Inc.
  AL · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Shore Bancshares Inc
  MD · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Simmons First National Corp
  AR · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Skyline Bankshares, Inc.
  VA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Smartfinancial Inc.
  TN · Mid-size bank ($1B to $50B)

  it is difficult to defend against every risk posed by changing technologies, including artificial intelligence.

  Sees AI as a riskRead it in the report
• Southern First Bancshares Inc
  SC · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Southside Bancshares Inc
  TX · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Steele Bancorp Inc
  PA · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• Stellar Bancorp, Inc.
  TX · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Texas Capital Bancshares Inc
  TX · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Tompkins Financial Corp
  NY · Mid-size bank ($1B to $50B)

  The implementation and use of new and evolving Artificial Intelligence ("AI") technologies present uncertainties and challenges.

  Sees AI as a riskRead it in the report
• Tri-County Financial Group, Inc.
  IL · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• TrustCo Bank Corp NY
  NY · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Trustmark Corp
  MS · Mid-size bank ($1B to $50B)

  strong performance in the technology and artificial intelligence (AI) sectors

  General statement about AIRead it in the report
• United Bankshares Inc
  WV · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• United Community Banks Inc
  SC · Mid-size bank ($1B to $50B)

  the use of artificial intelligence and quantum computing could exacerbate many of these risks

  Sees AI as a riskRead it in the report
• Virginia National Bankshares Corp
  VA · Mid-size bank ($1B to $50B)

  States have also started to regulate the use of artificial intelligence technologies.

  Sees AI as a riskRead it in the report
• Wafd Inc
  WA · Mid-size bank ($1B to $50B)

  risks associated with the development and use of artificial intelligence

  Sees AI as a riskRead it in the report
• Washington Trust Bancorp Inc
  RI · Mid-size bank ($1B to $50B)

  emerging technologies, including artificial intelligence, which may be used to enhance the tactics, techniques, and procedures described above and facilitate new cyber threats

  Sees AI as a riskRead it in the report
• Wesbanco Inc
  WV · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• West Bancorporation Inc
  IA · Mid-size bank ($1B to $50B)

  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

  Sees AI as a riskRead it in the report
• Western Alliance Bancorporation
  AZ · Large bank ($50B and above)

  the continued evolution and increased usage of AI technologies may further increase these risks.

  Sees AI as a riskRead it in the report
• Wilson Bank Holding Co
  TN · Mid-size bank ($1B to $50B)

  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.

  Sees AI as a riskRead it in the report
• LINKBANCORP, Inc.
  PA · Mid-size bank ($1B to $50B)
• United Security Bancshares
  CA · Mid-size bank ($1B to $50B)

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