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AI in operations

57 of 270 banks (21%) in their 2025 annual reports. Banks that say they use or plan AI to run operations more efficiently.

The banks

• 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)

  In 2024, we launched our instant purchase decision model to augment and add efficiencies to invoice purchase underwriting in our factoring business. This model uses machine learning and artificial intelligence, based on a rule set established by our risk model that we have developed over our

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

  Fifth Third may utilize new technology, such as AI, in connection with its business and operations. AI may be developed internally by Fifth Third, or may be provided to Fifth Third by third- or fourth-party service providers. Any such new technology could have a significant impact on the

  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
• 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
• 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
• 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
• 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)

  Our use and deployment of artificial intelligence, for example digital engineers and other digital employees, has introduced operational and control risks, including the risk of potential errors in automated decision-making, challenges in oversight and accountability, increased vulnerability to

  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
• 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
• 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)

  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
• 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)

  CFSI maintains enterprise-wide AI and Data Governance frameworks designed to promote the accuracy, privacy, security, and responsible use of data and AI across our operations. Executive oversight is provided by the Management Risk Committee and IT Steering Committee

  Explains how AI is controlledRead 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
• 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)

  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 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
• 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
• 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
• JPMorgan Chase & Co.
  NY · Large bank ($50B and above)

  A dedicated independent function, Model Risk Governance and Review (“MRGR”), defines and governs the Firm’s policies relating to the management of model risk and risks associated with certain analytical and judgment-based estimations

  Explains how AI is controlledRead 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
• 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
• 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
• 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)

  We have adopted AI technologies for certain aspects of our operations, mainly customer service channels and data analytics, and may further incorporate AI capabilities in the future.

  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 use automation, machine learning, AI and robotic process automation tools to help reduce some risks of human error. Nonetheless, we continue to rely on many manual processes to conduct our business and manage our risks.

  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
• 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
• 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
• 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)

  the introduction and deployment of artificial intelligence, to accelerate the pace of innovation, the introduction of new services and enhancements to the resiliency of our systems and operations

  Sees AI as a riskRead 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
• 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
• 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
• 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
• 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