Questions

Which banks list AI as a risk but do not say how they control it?

145 of 270 banks (54%) list AI as a risk in their 2025 annual report but do not say how AI is controlled. This means no such text was found in the report, not that the bank has no controls.

The banks

• Bank of Marin Bancorp
  CA · Mid-size bank ($1B to $50B)

  We are subject to risks associated with the adoption of new technologies such as AI.

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

  the implementation of technological changes, such as AI technologies, and upgrades to maintain current systems and integrate new systems may also cause service interruptions, transaction processing errors and system conversion delays and may cause us to fail to comply with applicable laws

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

  disruptions, outages, and other performance problems related to our platform due to a variety of factors, including infrastructure changes, introductions of new functionality (including functionality that incorporates artificial intelligence tools)

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

  use of artificial intelligence (AI) and other disruptive problems caused by hackers

  Sees AI as a riskRead 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
• 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
• 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)

  our decisions around investments in our infrastructure, redeployment of, or reduction in resources, and use of AI may not have the beneficial impact that we intended to our processes, efficiency, and results.

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

  malicious actors are increasingly using AI, including generative AI, to create sophisticated scams, deepfakes, and phishing attacks, which may result in unauthorized account access or financial losses.

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

  Further, adoption of AI tools by us or by third parties may pose new cybersecurity challenges. Threat actors may use AI tools to automate and enhance cybersecurity attacks against us. We use software and platforms designed to detect such cybersecurity threats, including AI-based tools

  Sees AI as a riskRead 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
• 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
• Citizens Financial Group Inc
  RI · Large bank ($50B and above)

  new, unexpected technological changes, including those related to artificial intelligence, could have a transformative effect on the way banks offer products and services.

  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
• 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
• 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
• 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
• 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
• 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
• 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)

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

  Sees AI as a riskRead 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)

  Uncertainty in the development, deployment, use and regulation of AI could subject us to additional risks.

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

  The proliferation of artificial intelligence has enhanced actions, strategies, and processes that cyber attackers use to create threats and launch cyberattacks.

  Sees AI as a riskRead 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)

  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.

  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
• 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
• 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
• WSFS Financial Corp
  DE · Mid-size bank ($1B to $50B)

  Use of artificial intelligence by us and our third-party vendors or service providers could result in reputational or competitive harm, legal or regulatory liability and adverse impacts on our results of operations.

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

  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
• 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
• 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
• 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)

  any implementation by us of certain new technologies, such as artificial intelligence, machine learning and other large language models and similar technologies, can expose us to new or increased operational risks, including risks related to our system of internal controls

  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
• 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
• 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
• 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

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