Which banks mention AI agents?
29 of 270 banks (11%) mention agentic AI or AI agents in their 2025 annual report.
- What this shows
- How many banks mention agentic AI or AI agents in their annual report, each report year from 2022 to 2025.
- What it means
- 29 of 270 banks (11%) in 2025, compared with 0 of 298 (0%) in 2022.
- How to read it
- Each bar is a report year. The label shows how many banks out of all banks that filed an annual report that year.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Show as a table
| Report year | Banks |
|---|---|
| 2022 | 0 of 298 (0%) |
| 2023 | 0 of 297 (0%) |
| 2024 | 0 of 284 (0%) |
| 2025 | 29 of 270 (11%) |
The banks
- What this shows
- Banks that mention agentic AI or AI agents in their 2025 annual report, with a quote from the report.
- What it means
- 29 banks. The banks giving the most concrete detail are listed first.
- How to read it
- Each bank links to its page. Quotes are copied exactly from the report; follow the link to read them in context.
- Where it comes from
- Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
- Bank of Marin BancorpCA · 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.
- First Financial CorpIN · 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.
- 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
- American Express CoNY · 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
- Atlantic Union Bankshares CorpVA · 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
- Bank of America CorpNC · 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.
- C & F Financial CorpVA · 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.
- Capital City Bank Group IncFL · Mid-size bank ($1B to $50B)
associated with assessing the proper operation of AI models, understanding
- Capital One Financial CorpVA · 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.
- Citigroup IncNY · Large bank ($50B and above)
applied technology solutions leveraging AI to support governance of data reported in key regulatory reports
- Finwise BancorpUT · 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
- 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
- Renasant CorpMS · 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.
- Sierra BancorpCA · 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
- State Street CorpMA · 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
- Synchrony FinancialCT · 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
- 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.
- Uscb Financial Holdings, Inc.FL · Mid-size bank ($1B to $50B)
on AI, and integration challenges with existing
- Valley National BancorpNY · 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
- Ameriserv Financial IncPA · 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.
- Banner CorpWA · Mid-size bank ($1B to $50B)
Our current and future uses of Artificial Intelligence (AI) and other emerging technologies may create additional risks.
- 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.
- First Financial BancorpOH · 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
- 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.
- Patriot National Bancorp IncCT · 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
- Simmons First National CorpAR · 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.
- Southside Bancshares IncTX · 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
- Wafd IncWA · Mid-size bank ($1B to $50B)
risks associated with the development and use of artificial intelligence
- Western Alliance BancorporationAZ · Large bank ($50B and above)
the continued evolution and increased usage of AI technologies may further increase these risks.
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