Which US banks are furthest along on AI? The 120 largest, ranked by what they have put on the record.

Which large US banks lead in AI and technology?

On the depth of the public record, the ten large US banks that lead on AI are Capital One, BofA, Amex, BNY, Citi, Wells Fargo, TD, Citizens, Regions and JPMorgan: the top ten of this index, which scores the 120 largest US banks on what each has disclosed about AI and what outside outlets have reported. On Evident's AI index, which ranks the 50 largest banks in North America, Europe and Asia-Pacific by AI capabilities, JPMorgan Chase was first and Capital One second in October 2025, the third edition running in which the two led; the other US banks in Evident's top ten were Morgan Stanley, Wells Fargo, Goldman Sachs and Bank of America. Neither ranking measures technology spending or technology leadership in general.

Top ten of the index below, recomputed from the bank pages as of Oct 6, 2026. Evident's ranking: American Banker, “JPMorganChase, Capital One top AI ranking, once again”, Oct 8, 2025 ↗.

Why does this ranking differ from Evident's AI index?

They measure different things. Evident rates AI capability: it tracks banks' use cases, research papers, patents and ventures from public information and validates the ranking with some data banks supply privately. This index measures only the public record the bank's page on this site cites, ranked against the other 119 US banks, with 45% of the weight on independent coverage and the rest on use cases, platform, own disclosures, recent moves, numbers and leaders. A bank that does a great deal but describes few systems publicly scores lower here than on Evident. JPMorgan Chase, Evident's leader, is #10 of 120 here with 86.8 points: it sits at the 99th percentile on independent coverage and the 98th percentile on dated moves in the last twelve months, but its page records 4 AI use cases in production (of 7 described), which puts it at the 37th percentile on that component. Capital One, Evident's second, is #1 here. The method is set out below.

Also answered on this page: technology leaders · adoption in 2026 · proprietary platforms · responsible ai.

Which large banks lead in technology overall?

By disclosed technology spending, JPMorgan leads the large US banks (about $19.8 billion technology expense outlook for 2026, up 10%), followed by BofA, Citi and Amex. The technology leaders page ranks 8 large banks with a comparable published figure and adds technologist headcounts, cloud and platforms.

Data as of Oct 5, 2026. Ordered by the largest technology figure each bank has published (a stated budget, otherwise the 2025 Form 10-K technology line). The technology guide ranks the 8 largest banks with a figure that can be compared, so the table has 8 rows. Methodology. Large banks ranked by technology spending, with headcount, cloud and platforms →

Which banks are leading AI adoption and innovation in 2026?

Counting AI systems in production and new AI moves this year, Capital One leads the large US banks in 2026, followed by Citi, Schwab, BofA and BNY. Capital One's page records 13 AI use cases in production and 17 dated AI moves in 2026, each with a source.

Data as of Oct 6, 2026. Ordered by two of the index components, each as a percentile rank among the banks that disclose an AI programme: use cases in production and dated moves since January 1, 2026, weighted equally; ties by AI index rank. Methodology.

Which large banks have built proprietary AI platforms?

79 of the 120 largest US banks have named an in-house AI platform or programme on the record. The leaders on the AI index: Capital One: Chat Concierge and the in-house agent stack; BofA: Erica (and EricaAssist); Amex: Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection; BNY: Eliza; Citi: Citi Stylus Workspaces.

Data as of Oct 6, 2026. Banks whose page names a flagship AI platform or programme, in AI-index order; the platform description is the first sentence of the bank page's entry. Methodology. How large banks use generative AI, platform by platform →

Which large banks lead in responsible AI?

Among the large US banks that lead on AI, BNY, Citi, TD, BMO and Huntington have put a named AI governance structure on the record: a responsible-AI framework, an AI risk committee or programme, board oversight of AI, or model validation extended to AI. 41 of the 120 banks have; disclosure of governance is not proof that it works.

Data as of Oct 6, 2026. Banks whose page records a named AI governance structure (model-risk or governance use cases mentioning a responsible-AI framework or principles, an AI risk committee or programme, board oversight, validation or guardrails), in AI-index order. Methodology.

How do the 120 largest US banks rank on disclosed AI activity?

Use cases: described, with the number in production in brackets. Moves: dated entries since Oct 6, 2025. Sources: independent reporting / all sources on the bank's page.

How is the AI disclosure score calculated?

Every input is a sourced fact on the bank's page. The score has eight components. On seven of them a bank receives its percentile rank among the 120 banks: 0 for the lowest, 1 for the highest, with tied banks sharing the average rank. The eighth, a named AI platform or programme, is 1 or 0. The weighted sum is multiplied by 100, so a bank would need to lead on every component to reach 100. The weights: independent coverage 45%; use cases in production 10%; a named AI platform or programme, yes or no, 10%; the bank's own primary disclosures, meaning filings, earnings calls and releases, each counted once, 10%; dated moves since Oct 6, 2025 10%; disclosed numbers (spend, headcount, volumes, adoption) 5%; named AI or technology leaders 5%; and all use cases described, whatever their stage, 5%. A bank whose page records that it has not disclosed an AI programme, leader, vendor or budget is capped at 30 and kept below the lowest score of any bank that has disclosed one, so it ranks below all of them. Ties are broken by independent coverage, then by assets.

Each source is sorted into one of four kinds. Own: the publisher is the bank (its name, short name or lead bank as a whole phrase, not a single common word), or the page sits on one of the bank's own sites; earnings-call transcripts and summaries count here too, because they carry the bank's own words. Vendor: a technology or consulting vendor's site or release, and anything marked sponsored, partner content or “presented by”. Wire: wire copies of other organisations' releases, third-party filings, job boards and automated aggregator write-ups. Independent: everything else, which is reporting by outlets that chose to cover the bank. A story syndicated on Yahoo Finance is judged by the outlet it names, not by the Yahoo address.

The score rewards a bank for saying what it does and for being reported on by others, which is what the pages exist to record. Independent coverage carries the most weight because a page built from a bank's own newsroom and job postings can be the longest on the site without the outside world having noticed; that is also why a bank with a strong programme but a page that leans on its own releases sits lower than its reputation. The score does not attempt to judge how well a programme works, and it under-rates banks that build quietly. Use it as a map of where the public record is deep, then read the page. The ranking recomputes whenever a bank page is updated; the last update was Oct 6, 2026.