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AI agents and agentic AI

29 of 270 banks (11%) in their 2025 annual reports. Banks that mention AI agents or agentic AI, systems that take actions on their own.

The banks

• 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
• First Financial Corp
  IN · Mid-size bank ($1B to $50B)

  as technology, including the increasing use of artificial intelligence, machine learning, large language models, artificial intelligence agents, generative artificial intelligence, and other similar technologies (collectively referred to as “AI”), and cyberattacks change over time, we may be

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

  The deployment and use of AI within our businesses and operations may present new or increased legal, regulatory, reputational, operational and other risks that further complicate model risk management, data security and privacy protection, data governance and management, and third-party risk

  Sees AI as a riskRead 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
• Atlantic Union Bankshares 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
• Bank of America Corp
  NC · Large bank ($50B and above)

  Expanded use of AI, including emerging third‑party AI services and autonomous AI agents, may result in increased data risk, unpredictable system interactions, inadequate controls or safeguards, AI failure, or produce unintended operations or consequences.

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

  in AI, including with agentic AI. Our

  General statement about AIRead it in the report
• Capital One Financial Corp
  VA · Large bank ($50B and above)

  Emerging generative AI capabilities, such as synthetic video, images and identity documents may introduce new risks, in the form of identity fraud and scams.

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

  Citi has used AI and machine learning tools for many years and has more recently begun to broadly deploy Generative AI, including within its technology platforms and services.

  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
• 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
• Renasant Corp
  MS · Mid-size bank ($1B to $50B)

  The Company’s development and use of artificial intelligence, including generative and agentic artificial intelligence and machine learning, presents risks and challenges that may materially and adversely impact the Company’s business.

  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
• State Street Corp
  MA · Large bank ($50B and above)

  the implementation of complex products and services, such as State Street Alpha, wealth services, digital investment servicing or incorporating artificial intelligence, agentic artificial intelligence, blockchain and emerging quantum computing technologies requires substantial systems development

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

  agentic commerce, which utilizes artificial intelligence ("AI") shopping agents to act on behalf of consumers and businesses, is an emerging AI technology that has the ability to autonomously handle shopping tasks.

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

  The increased use and capacity of AI, Generative AI, large language models (LLMs), and AI agents by customers, vendors and competitors increases risks to our business.

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

  agentic AI. The effective use of technology increases efficiency

  General statement about AIRead 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
• 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
• Banner Corp
  WA · Mid-size bank ($1B to $50B)

  Operational risks also arise from potential system failures, over-reliance on AI, and integration challenges with existing infrastructure. Disruptions in AI systems could impact critical functions such as fraud detection, transaction monitoring, and client support.

  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
• 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
• Pathward Financial, Inc.
  SD · Mid-size bank ($1B to $50B)

  There are risks in effectively implementing and marketing new technology-driven products and services. Upgrades and integration may cause service interruptions, transaction errors, and delays, and could cause us to fail to comply with applicable laws.

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

  AI models, particularly generative or agentic AI models, may produce outputs or take action that is incorrect, that reflects biases included in the data on which they are trained, that results in the release of private, confidential, or proprietary information

  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
• Southside Bancshares Inc
  TX · Mid-size bank ($1B to $50B)

  recent and rapid developments in AI, including with agentic AI. Our future success will depend, in part, upon our ability to address the needs of our clients by using technology to provide products and services

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

  including recent and rapid developments in AI, including with agentic AI.

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

  AI models, particularly generative or agentic AI models, may produce outputs or take action that is incorrect, that reflects biases included in the data on which they are trained, that results in the release of private, confidential, or proprietary information

  Sees AI as a riskRead it in the report