Questions

What do banks use AI for?

51 of 270 banks (19%) describe using or planning AI in their 2025 annual report. The most common uses named are operations, employee productivity and credit and lending.

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
• 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
• American Express Co
  NY · Large bank ($50B and above)

  We also continue to explore ways to deploy new and developing technologies to enhance our payments platform and customer experience, such as uses for generative artificial intelligence (AI) and the integration of our products and services in agentic commerce.

  Testing or planning AIRead 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
• 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 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
• 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
• Capital One Financial Corp
  VA · Large bank ($50B and above)

  we use models and AI in certain processes and may expand our use of AI in additional processes in the future. Some examples may include determining the pricing of products, identifying potentially fraudulent transactions, grading loans, extending credit

  Using AI nowRead 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
• 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
• Community Financial System, Inc.
  NY · Mid-size bank ($1B to $50B)

  The increase in data processing and communications expenses is reflective of the Company’s continued investment in key technologies, including artificial intelligence applications, customer payment fraud and cybersecurity risk management software

  Using AI nowRead 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
• 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
• Finwise Bancorp
  UT · Small bank (Under $1B)

  We use generative AI for certain tasks like document drafting and data analysis, with an implementation of strict controls to protect customer data. Third-party AI assists us in cybersecurity, fraud detection, and code review, while our own agents handle compliance, policy analysis, and workflow

  Using AI nowRead 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
• 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
• 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
• 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
• 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
• 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
• 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)

  we increasingly use models related to how we do business with customers and for internal process automation that leverage AI/machine learning algorithms.

  Using AI nowRead 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, and continue to explore additional uses of, AI in connection with our business, products and services, including AI designed to improve the customer experience and reduce operational risk.

  Using AI nowRead 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
• 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
• 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
• 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
• 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

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