# AI banks ranked: the 120 largest US banks by the depth of their public AI record

Source: https://www.bankingnewsai.com/banks/ai-index
Last updated: Oct 21, 2026

BankingNewsAI Bank AI Disclosure Index. Live ranking, recomputed from the bank pages; latest frozen edition: [Q4 2026](https://www.bankingnewsai.com/banks/ai-index/2026-q4). Data: [CSV](https://www.bankingnewsai.com/banks/ai-index/data.csv).

Bank of America leads with 97.3 of 100, followed by Citi, Amex, TD, Wells Fargo. 80 of the 120 have named an AI platform or programme; 17 have not disclosed an AI programme at all. The index measures disclosure, not capability.

## 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 BofA, Citi, Amex, TD, Wells Fargo, JPMorgan, BNY, Santander, Capital One and BMO: 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.

| # | Bank | Named AI platform or programme | Score | Independent / all sources |
| --- | --- | --- | --- | --- |
| 1 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | Erica (and EricaAssist) | 97.3 / 100 | 37 / 70 |
| 2 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | Citi Stylus Workspaces | 94.7 / 100 | 42 / 65 |
| 3 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection | 93 / 100 | 30 / 71 |
| 4 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | Layer 6 and TD AI Prism | 91.5 / 100 | 27 / 55 |
| 5 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo and the Google Cloud agent stack | 90.3 / 100 | 35 / 60 |
| 6 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite | 89.8 / 100 | 43 / 73 |
| 7 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | Eliza | 89.6 / 100 | 29 / 58 |
| 8 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | ONE Transformation: shared platforms, AI for every employee, agentic commerce | 89.6 / 100 | 25 / 49 |
| 9 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge and the in-house agent stack | 86.6 / 100 | 25 / 75 |
| 10 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Lumi, Aura and the Institute for Applied AI & Quantum | 85.6 / 100 | 16 / 50 |

Evident's ranking: [American Banker, "JPMorganChase, Capital One top AI ranking, once again"](https://www.americanbanker.com/news/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 #6 of 120 here with 89.8 points: it sits at the 100th percentile on independent coverage and the 98th percentile on disclosed numbers, but its page records 8 AI use cases in production (of 16 described), which puts it at the 39th percentile on that component. Capital One, Evident's second, is #9 here.

## 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.

| # | Bank | Disclosed technology spending | Source |
| --- | --- | --- | --- |
| 1 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | About $19.8 billion technology expense outlook for 2026, up 10%; $9.2 billion of it investments, about 25% AI-related | [JPMorganChase 2026 Company Update, Form 8-K Exhibit 99.2 (SEC EDGAR)](https://www.sec.gov/Archives/edgar/data/19617/000162828026010693/firmoverview.htm) |
| 2 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | $14 billion a year, of which more than $4.1 billion for new initiatives including AI | [Bank of America, Fast Facts (newsroom; undated page, retrieved 2026-10-05)](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html) |
| 3 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | No total technology budget stated | [Citigroup Form 10-K for 2025 (U.S. Securities and Exchange Commission (EDGAR))](https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm) |
| 4 | [Amex](https://www.bankingnewsai.com/banks/american-express) | $5 billion a year on technology (CEO Stephen Squeri, January 2026) | [Yahoo Finance (The Motley Fool), “American Express (AXP) Q4 2025 Earnings Call Transcript”](https://finance.yahoo.com/news/american-express-axp-q4-2025-152307902.html) |
| 5 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | No total technology budget stated | [Morgan Stanley Form 10-K for 2025 (U.S. Securities and Exchange Commission (EDGAR))](https://www.sec.gov/Archives/edgar/data/895421/000089542126000086/ms-20251231.htm) |
| 6 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | No total technology budget stated | [Goldman Sachs Form 10-K for 2025 (U.S. Securities and Exchange Commission (EDGAR))](https://www.sec.gov/Archives/edgar/data/886982/000088698226000091/gs-20251231.htm) |
| 7 | [State Street](https://www.bankingnewsai.com/banks/state-street) | No total technology budget stated | [State Street Form 10-K for 2025 (U.S. Securities and Exchange Commission (EDGAR))](https://www.sec.gov/Archives/edgar/data/93751/000009375126000124/stt-20251231.htm) |
| 8 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | No total technology budget stated | [Capital One Form 10-K for 2025 (U.S. Securities and Exchange Commission (EDGAR))](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm) |

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.

## Which banks are leading AI adoption and innovation in 2026?

Counting AI systems in production and new AI moves this year, BofA leads the large US banks in 2026, followed by Citi, Wells Fargo, BMO and Amex. BofA's page records 16 AI use cases in production and 29 dated AI moves in 2026, each with a source.

| # | Bank | In production, moves this year, latest move | Source |
| --- | --- | --- | --- |
| 1 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | 16 AI use cases in production; 29 dated AI moves in 2026; latest: Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (2026-10-13) | [U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657) |
| 2 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | 15 AI use cases in production; 31 dated AI moves in 2026; latest: Payments chief: no AI model to authorise payments (2026-10-01) | [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-7-debopama-sen-citi) |
| 3 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | 14 AI use cases in production; 29 dated AI moves in 2026; latest: Q3 2026 call: AI agents in code, marketing, cyber, underwriting (2026-10-13) | [PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets) |
| 4 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 14 AI use cases in production; 29 dated AI moves in 2026; latest: Evident AI Index 2026: top 20 overall, #2 for AI outcomes (2026-10-06) | [BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1) |
| 5 | [Amex](https://www.bankingnewsai.com/banks/american-express) | 13 AI use cases in production; 32 dated AI moves in 2026; latest: Intent Intelligence framework published (2026-10-13) | [American Express via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1) |
| 6 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | 15 AI use cases in production; 24 dated AI moves in 2026; latest: Named a Coverbase enterprise customer (2026-09-29) | [Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html) |
| 7 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | 16 AI use cases in production; 23 dated AI moves in 2026; latest: Venkatachari: from proving AI to industrializing it (2026-10-07) | [Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html) |
| 8 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | 14 AI use cases in production; 26 dated AI moves in 2026; latest: SoFiUSD settlement live on Mastercard (2026-09-22) | [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202609220800BIZWIRE_USPRX____20260922_BW545634-1) |
| 9 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | 15 AI use cases in production; 23 dated AI moves in 2026; latest: How Charley was built: employee testing, confirmation before any change (2026-10-08) | [Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/) |
| 10 | [Truist](https://www.bankingnewsai.com/banks/truist) | 14 AI use cases in production; 23 dated AI moves in 2026; latest: Mid-table on AI-judged reputation (2026-09-18) | [American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh) |

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.

## Which large banks have built proprietary AI platforms?

80 of the 120 largest US banks have named an in-house AI platform or programme on the record. The leaders on the AI index: BofA: Erica (and EricaAssist); Citi: Citi Stylus Workspaces; Amex: Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection; TD: Layer 6 and TD AI Prism; Wells Fargo: Fargo and the Google Cloud agent stack.

| # | Bank | Named platform | Source |
| --- | --- | --- | --- |
| 1 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | Erica (and EricaAssist): The AI virtual assistant launched in 2018 — nearly 50 million users and more than 3 billion interactions by August 2025 — now also runs as… | [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/press-releases/2025/08/a-decade-of-ai-innovation--bofa-s-virtual-assistant-erica-surpas.html) |
| 2 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | Citi Stylus Workspaces: The most broadly available AI tool for Citi staff, rolled out in late 2024 | [The Wall Street Journal](https://www.wsj.com/cio-journal/the-ai-superfans-companies-count-on-to-convert-the-skeptics-5b301a90) |
| 3 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection: Launched April 14, 2026, the ACE developer kit lets businesses integrate Amex payments into their AI-agent experiences, and Amex Agent Purchase… | [American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html) |
| 4 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | Layer 6 and TD AI Prism: Layer 6, the AI research centre TD acquired in 2018, builds the group's models in-house: TD AI Prism, a predictive foundation model launched in June… | [TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation) |
| 5 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo and the Google Cloud agent stack: Fargo, the consumer virtual assistant built on Google's conversational AI, went from 21.3 million interactions in 2023 and 245 million in 2024 to… | [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/fourth-quarter-2023-financial-results.pdf) |
| 6 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite: A proprietary abstraction layer through which third-party models (OpenAI, Anthropic and others) are swapped in and out | [American Banker](https://www.americanbanker.com/news/how-jpmorganchase-democratized-employee-access-to-gen-ai) |
| 7 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | Eliza: BNY's enterprise AI platform, on which nearly all employees are trained | [American Banker](https://americanbanker.com/news/while-embedding-ai-everywhere-bny-wont-disclose-costs) |
| 8 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | ONE Transformation: shared platforms, AI for every employee, agentic commerce: Santander's AI sits inside ONE Transformation, the group programme to run common technology platforms across its markets | [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push) |
| 9 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Chat Concierge and the in-house agent stack: Chat Concierge, launched in March 2025, was the bank's first proprietary multi-agent conversational assistant, embedded on car dealers' websites to… | [Capital One](https://www.capitalone.com/tech/ai/future-of-ai-car-dealerships-shopping) |
| 10 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Lumi, Aura and the Institute for Applied AI & Quantum: Lumi Assistant gives Team BMO instant access to more than 8,000 policies and procedures in English and French | [BMO](https://www.bmo.com/en-ca/main/about-bmo/news-insights/blog/meet-lumi-assistant-bmos-award-winning-ai-tool-empowering-team-bmo) |

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.

## Which large banks lead in responsible AI?

Among the large US banks that lead on AI, Citi, Amex, TD, BNY and BMO 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. 67 of the 120 banks have; disclosure of governance is not proof that it works.

| # | Bank | Governance on the record | Source |
| --- | --- | --- | --- |
| 1 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | AI risk factor and board oversight | [Citigroup (SEC filings)](https://www.sec.gov/Archives/edgar/data/831001/000083100126000011/c-20251231.htm) |
| 2 | [Amex](https://www.bankingnewsai.com/banks/american-express) | Enablement layer, AI firewall and model validation | [VentureBeat](https://venturebeat.com/ai/how-amex-uses-ai-to-increase-efficiency-40-fewer-it-escalations-85-travel-assistance-boost) |
| 3 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | AI risk management under the model lifecycle · Agent observability and guardrails | [TD Bank Group (SEC filing)](https://www.sec.gov/Archives/edgar/data/947263/000156276225000289/ex992.htm) |
| 4 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | Model risk management for AI and LLMs | [BNY (SEC filing)](https://www.sec.gov/Archives/edgar/data/1390777/000139077726000033/bk-20251231_d2.htm) |
| 5 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | Responsible AI framework · AI risk directive, Responsible AI Forum and model validation | [BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028) |
| 6 | [Truist](https://www.bankingnewsai.com/banks/truist) | AI risk management on the NIST AI RMF | [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm) |
| 7 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | AI risk factor, AI Risk Committee and board oversight | [Huntington Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/49196/000004919626000015/hban-20251231.htm) |
| 8 | [Regions](https://www.bankingnewsai.com/banks/regions) | Generative-AI risk framework and responsible use policy | [Investing.com](https://investing.com/news/transcripts/regions-financial-at-citis-fintech-conference-modernization-and-ai-focus-93CH-4368694) |
| 9 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) | AI in the US model-risk and risk-factor framework | [HSBC USA Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/83246/000008324626000005/hsbcusa-20251231.htm) |
| 10 | [Ally](https://www.bankingnewsai.com/banks/ally) | AI risk-factor disclosure · Four-layer AI governance | [Ally Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/40729/000004072926000005/ally-20251231.htm) |

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.

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

| # | Bank | Score | Use cases (in production) | Leaders | Numbers | Moves since Oct 21, 2025 | Independent / all sources |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [BofA](https://www.bankingnewsai.com/banks/bank-of-america) | 97.3 | 18 (16) | 17 | 28 | 34 | 37 / 70 |
| 2 | [Citi](https://www.bankingnewsai.com/banks/citigroup) | 94.7 | 20 (15) | 18 | 19 | 34 | 42 / 65 |
| 3 | [Amex](https://www.bankingnewsai.com/banks/american-express) | 93 | 24 (13) | 9 | 17 | 32 | 30 / 71 |
| 4 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | 91.5 | 18 (13) | 13 | 18 | 27 | 27 / 55 |
| 5 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | 90.3 | 17 (14) | 16 | 19 | 33 | 35 / 60 |
| 6 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 89.8 | 16 (8) | 19 | 22 | 31 | 43 / 73 |
| 7 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | 89.6 | 14 (12) | 17 | 21 | 29 | 29 / 58 |
| 8 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | 89.6 | 16 (11) | 23 | 17 | 29 | 25 / 49 |
| 9 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | 86.6 | 13 (13) | 9 | 14 | 25 | 25 / 75 |
| 10 | [BMO](https://www.bankingnewsai.com/banks/bmo-us) | 85.6 | 16 (14) | 15 | 18 | 33 | 16 / 50 |
| 11 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | 85 | 20 (10) | 10 | 20 | 26 | 25 / 50 |
| 12 | [Truist](https://www.bankingnewsai.com/banks/truist) | 84.6 | 16 (14) | 14 | 20 | 28 | 18 / 43 |
| 13 | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | 84.4 | 16 (14) | 13 | 16 | 21 | 19 / 46 |
| 14 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | 83.8 | 17 (15) | 14 | 16 | 28 | 19 / 50 |
| 15 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | 83.7 | 13 (10) | 14 | 17 | 25 | 27 / 50 |
| 16 | [Regions](https://www.bankingnewsai.com/banks/regions) | 83.4 | 15 (13) | 14 | 14 | 25 | 22 / 45 |
| 17 | [HSBC](https://www.bankingnewsai.com/banks/hsbc-usa) | 81.9 | 16 (7) | 16 | 20 | 31 | 18 / 53 |
| 18 | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | 81.2 | 18 (16) | 13 | 12 | 26 | 17 / 51 |
| 19 | [Ally](https://www.bankingnewsai.com/banks/ally) | 81.1 | 14 (10) | 14 | 17 | 20 | 24 / 53 |
| 20 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | 80.8 | 17 (14) | 10 | 17 | 28 | 15 / 48 |
| 21 | [Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | 80.7 | 19 (15) | 14 | 21 | 24 | 18 / 38 |
| 22 | [Goldman](https://www.bankingnewsai.com/banks/goldman-sachs) | 79.8 | 13 (7) | 16 | 14 | 28 | 39 / 62 |
| 23 | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | 79.7 | 17 (11) | 20 | 17 | 22 | 12 / 51 |
| 24 | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | 79.6 | 16 (10) | 11 | 14 | 20 | 25 / 48 |
| 25 | [Deutsche Bank](https://www.bankingnewsai.com/banks/deutsche-bank-us) | 77.4 | 14 (9) | 15 | 17 | 17 | 19 / 45 |
| 26 | [Valley](https://www.bankingnewsai.com/banks/valley) | 76.6 | 17 (13) | 14 | 18 | 22 | 11 / 37 |
| 27 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | 76.5 | 17 (14) | 12 | 14 | 21 | 12 / 39 |
| 28 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | 75.3 | 14 (10) | 13 | 18 | 25 | 18 / 37 |
| 29 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | 75.3 | 16 (11) | 7 | 23 | 23 | 13 / 33 |
| 30 | [State Street](https://www.bankingnewsai.com/banks/state-street) | 75.2 | 14 (9) | 14 | 17 | 23 | 15 / 41 |
| 31 | [UBS](https://www.bankingnewsai.com/banks/ubs-usa) | 74.8 | 14 (10) | 15 | 15 | 21 | 21 / 35 |
| 32 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | 71.8 | 17 (16) | 12 | 16 | 18 | 13 / 32 |
| 33 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | 70.9 | 20 (10) | 10 | 20 | 20 | 12 / 33 |
| 34 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | 69.8 | 14 (9) | 13 | 12 | 19 | 21 / 37 |
| 35 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | 68.7 | 16 (7) | 13 | 16 | 22 | 17 / 35 |
| 36 | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | 68.7 | 15 (10) | 11 | 17 | 20 | 12 / 33 |
| 37 | [Webster](https://www.bankingnewsai.com/banks/webster) | 68.6 | 11 (7) | 17 | 16 | 24 | 14 / 41 |
| 38 | [PNC](https://www.bankingnewsai.com/banks/pnc) | 68.2 | 14 (8) | 10 | 12 | 24 | 17 / 37 |
| 39 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | 67.3 | 14 (12) | 11 | 11 | 23 | 11 / 32 |
| 40 | [Old National](https://www.bankingnewsai.com/banks/old-national) | 66 | 14 (10) | 12 | 16 | 18 | 9 / 36 |
| 41 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | 65.4 | 14 (8) | 11 | 14 | 24 | 14 / 30 |
| 42 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | 65.3 | 12 (9) | 12 | 12 | 21 | 12 / 32 |
| 43 | [City National](https://www.bankingnewsai.com/banks/city-national) | 65 | 10 (5) | 13 | 11 | 19 | 17 / 40 |
| 44 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | 63.4 | 16 (15) | 13 | 14 | 16 | 10 / 30 |
| 45 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | 63.4 | 15 (10) | 11 | 15 | 19 | 7 / 37 |
| 46 | [USAA](https://www.bankingnewsai.com/banks/usaa) | 63.2 | 14 (8) | 7 | 21 | 11 | 20 / 39 |
| 47 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 59.2 | 15 (9) | 9 | 20 | 19 | 6 / 33 |
| 48 | [Zions](https://www.bankingnewsai.com/banks/zions) | 58.3 | 16 (10) | 11 | 16 | 11 | 11 / 24 |
| 49 | [Associated](https://www.bankingnewsai.com/banks/associated) | 56.9 | 11 (4) | 12 | 11 | 17 | 11 / 33 |
| 50 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | 56.8 | 12 (10) | 11 | 13 | 17 | 8 / 30 |
| 51 | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | 55.6 | 12 (8) | 13 | 17 | 16 | 10 / 28 |
| 52 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | 53.4 | 12 (5) | 8 | 14 | 18 | 10 / 25 |
| 53 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | 53.2 | 12 (8) | 11 | 16 | 14 | 10 / 26 |
| 54 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | 53.2 | 10 (6) | 8 | 17 | 16 | 10 / 29 |
| 55 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | 51.3 | 11 (5) | 9 | 15 | 21 | 7 / 27 |
| 56 | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | 50.5 | 12 (10) | 4 | 13 | 12 | 10 / 25 |
| 57 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | 50.5 | 13 (9) | 8 | 14 | 16 | 8 / 27 |
| 58 | [Frost](https://www.bankingnewsai.com/banks/frost) | 49.4 | 9 (7) | 12 | 16 | 17 | 7 / 26 |
| 59 | [East West](https://www.bankingnewsai.com/banks/east-west) | 49.3 | 10 (8) | 9 | 13 | 18 | 7 / 24 |
| 60 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | 49.1 | 12 (8) | 8 | 12 | 21 | 6 / 24 |
| 61 | [UMB](https://www.bankingnewsai.com/banks/umb) | 47.3 | 10 (9) | 11 | 12 | 15 | 7 / 23 |
| 62 | [First Hawaiian](https://www.bankingnewsai.com/banks/first-hawaiian) | 47.2 | 16 (12) | 7 | 11 | 13 | 8 / 32 |
| 63 | [Sallie Mae](https://www.bankingnewsai.com/banks/sallie-mae) | 45.8 | 12 (9) | 6 | 14 | 17 | 4 / 32 |
| 64 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | 44.8 | 13 (10) | 8 | 14 | 13 | 4 / 27 |
| 65 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | 44.7 | 10 (7) | 6 | 12 | 14 | 9 / 24 |
| 66 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | 44.5 | 12 (10) | 8 | 13 | 17 | 6 / 34 |
| 67 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | 42.1 | 11 (10) | 10 | 12 | 14 | 4 / 27 |
| 68 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | 41.9 | 12 (9) | 5 | 14 | 12 | 4 / 28 |
| 69 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 41.4 | 6 (4) | 9 | 12 | 19 | 9 / 29 |
| 70 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | 40.3 | 16 (9) | 8 | 11 | 15 | 4 / 20 |
| 71 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | 40.1 | 8 (4) | 6 | 13 | 17 | 6 / 24 |
| 72 | [Optum Bank](https://www.bankingnewsai.com/banks/optum-bank) | 39.7 | 12 (7) | 7 | 14 | 15 | 4 / 27 |
| 73 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | 39 | 12 (9) | 9 | 12 | 17 | 4 / 21 |
| 74 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | 38.9 | 6 (4) | 5 | 12 | 16 | 7 / 21 |
| 75 | [United Community](https://www.bankingnewsai.com/banks/united-community) | 38.8 | 13 (8) | 6 | 15 | 21 | 4 / 33 |
| 76 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | 38.2 | 9 (7) | 10 | 11 | 16 | 8 / 25 |
| 77 | [Bank of Hawaii](https://www.bankingnewsai.com/banks/bank-of-hawaii) | 37.9 | 15 (11) | 10 | 14 | 17 | 4 / 22 |
| 78 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 37.3 | 11 (5) | 8 | 14 | 13 | 4 / 24 |
| 79 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 37.2 | 11 (4) | 7 | 12 | 9 | 7 / 22 |
| 80 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | 36.4 | 13 (9) | 7 | 10 | 17 | 5 / 26 |
| 81 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | 36.1 | 12 (9) | 6 | 12 | 14 | 3 / 27 |
| 82 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | 34.6 | 14 (10) | 5 | 14 | 15 | 1 / 22 |
| 83 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | 34.5 | 13 (10) | 5 | 10 | 16 | 1 / 27 |
| 84 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | 34 | 10 (6) | 7 | 14 | 15 | 3 / 27 |
| 85 | [Popular](https://www.bankingnewsai.com/banks/popular) | 32.2 | 11 (9) | 8 | 13 | 16 | 5 / 21 |
| 86 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | 32.1 | 10 (3) | 5 | 11 | 20 | 3 / 23 |
| 87 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | 30.7 | 9 (6) | 8 | 13 | 10 | 8 / 19 |
| 88 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | 29.9 | 11 (9) | 7 | 12 | 18 | 3 / 26 |
| 89 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | 28.8 | 8 (4) | 9 | 13 | 17 | 5 / 28 |
| 90 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | 28.6 | 10 (8) | 5 | 13 | 13 | 6 / 28 |
| 91 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | 27.1 | 12 (9) | 5 | 15 | 17 | 2 / 25 |
| 92 | [City National Florida](https://www.bankingnewsai.com/banks/city-national-florida) | 26.9 | 9 (9) | 6 | 12 | 10 | 5 / 24 |
| 93 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | 26.7 | 10 (8) | 10 | 12 | 12 | 5 / 23 |
| 94 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | 25.9 | 8 (7) | 6 | 12 | 10 | 6 / 20 |
| 95 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | 24.8 | 11 (8) | 6 | 15 | 13 | 2 / 15 |
| 96 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | 21.4 | 10 (4) | 4 | 12 | 15 | 5 / 18 |
| 97 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | 20.7 | 11 (9) | 9 | 11 | 14 | 2 / 21 |
| 98 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | 18.9 | 10 (6) | 5 | 13 | 17 | 3 / 20 |
| 99 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | 17 | 8 (8) | 7 | 8 | 17 | 1 / 19 |
| 100 | [NBT](https://www.bankingnewsai.com/banks/nbt) | 14.1 | 8 (6) | 6 | 10 | 12 | 3 / 18 |
| 101 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | 11 | 7 (6) | 4 | 8 | 10 | 3 / 19 |
| 102 | [Dime](https://www.bankingnewsai.com/banks/dime) | 10.6 | 8 (2) | 4 | 10 | 13 | 3 / 16 |
| 103 | [Park National](https://www.bankingnewsai.com/banks/park-national) | 6.6 | 8 (5) | 6 | 11 | 10 | 2 / 12 |
| 104 | [Stifel Bank](https://www.bankingnewsai.com/banks/stifel-bank) (no programme disclosed) | 6.5 | 13 (12) | 6 | 14 | 22 | 10 / 32 |
| 105 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) (no programme disclosed) | 4.4 | 11 (8) | 7 | 13 | 17 | 7 / 31 |
| 106 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) (no programme disclosed) | 3.6 | 10 (8) | 8 | 10 | 19 | 5 / 29 |
| 107 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) (no programme disclosed) | 3.5 | 12 (9) | 5 | 11 | 13 | 7 / 24 |
| 108 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) (no programme disclosed) | 3.4 | 10 (7) | 4 | 16 | 16 | 6 / 23 |
| 109 | [EverBank](https://www.bankingnewsai.com/banks/everbank) (no programme disclosed) | 3.3 | 5 (0) | 8 | 14 | 12 | 10 / 26 |
| 110 | [Cathay Bank](https://www.bankingnewsai.com/banks/cathay) (no programme disclosed) | 2.6 | 10 (9) | 6 | 11 | 11 | 4 / 23 |
| 111 | [Renasant](https://www.bankingnewsai.com/banks/renasant) (no programme disclosed) | 2.4 | 12 (12) | 2 | 12 | 12 | 2 / 28 |
| 112 | [Mechanics Bank](https://www.bankingnewsai.com/banks/mechanics) (no programme disclosed) | 2.3 | 10 (7) | 5 | 13 | 15 | 3 / 24 |
| 113 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) (no programme disclosed) | 2.1 | 8 (5) | 6 | 11 | 13 | 3 / 29 |
| 114 | [Bank of Hope](https://www.bankingnewsai.com/banks/bank-of-hope) (no programme disclosed) | 2.1 | 8 (6) | 4 | 12 | 14 | 3 / 26 |
| 115 | [FirstSun](https://www.bankingnewsai.com/banks/firstsun) (no programme disclosed) | 2 | 5 (1) | 6 | 10 | 13 | 5 / 23 |
| 116 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) (no programme disclosed) | 2 | 8 (6) | 6 | 11 | 13 | 4 / 20 |
| 117 | [Glacier](https://www.bankingnewsai.com/banks/glacier) (no programme disclosed) | 2 | 10 (7) | 6 | 12 | 14 | 3 / 22 |
| 118 | [Merchants Bank of Indiana](https://www.bankingnewsai.com/banks/merchants-indiana) (no programme disclosed) | 1.8 | 12 (10) | 4 | 10 | 10 | 3 / 20 |
| 119 | [Nicolet](https://www.bankingnewsai.com/banks/nicolet) (no programme disclosed) | 1.1 | 5 (2) | 3 | 10 | 15 | 3 / 18 |
| 120 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) (no programme disclosed) | 0.9 | 1 (0) | 6 | 9 | 12 | 2 / 19 |

## How is the AI disclosure score calculated?

Every input is a sourced fact on the bank's page. On seven of eight components a bank receives its percentile rank among the 120 banks: 0 for the lowest, 1 for the highest, tied banks sharing the average rank. A named AI platform or programme is 1 or 0. The weighted sum is multiplied by 100.

| Component | Weight |
| --- | --- |
| Independent coverage (sources that are not own, vendor or wire) | 45% |
| Use cases in production | 10% |
| Named AI platform or programme (1 or 0) | 10% |
| Own primary disclosures: filings, earnings calls, releases, each counted once | 10% |
| Dated moves since Oct 21, 2025 | 10% |
| Disclosed numbers (spend, headcount, volumes, adoption) | 5% |
| Named AI or technology leaders | 5% |
| All use cases described, any 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. The score does not judge how well a programme works, and it under-rates banks that build quietly. The ranking recomputes on every bank page update and is frozen as a dated edition each quarter. Full methodology, including how sources are classified as own, vendor, wire or independent: https://www.bankingnewsai.com/banks/ai-index/methodology.

## How do I cite the BankingNewsAI Bank AI Disclosure Index?

Frozen edition: BankingNewsAI Bank AI Disclosure Index, Q4 2026 edition, BankingNewsAI, https://www.bankingnewsai.com/banks/ai-index/2026-q4

Live ranking: BankingNewsAI Bank AI Disclosure Index, live ranking as of Oct 21, 2026, BankingNewsAI, https://www.bankingnewsai.com/banks/ai-index

Data: [live CSV](https://www.bankingnewsai.com/banks/ai-index/data.csv), [Q4 2026 edition CSV](https://www.bankingnewsai.com/banks/ai-index/2026-q4.csv). Open data, CC BY 4.0: reuse with a link to this page.

## Component rankings

- [AI leaders](https://www.bankingnewsai.com/banks/leaders/ai): BofA, Citi and Amex, by disclosure score, production use cases and named platforms.
- [Technology leaders](https://www.bankingnewsai.com/banks/leaders/technology): JPMorgan, BofA and Citi, by disclosed technology spending, technologists and cloud scale.
- [Proprietary platforms](https://www.bankingnewsai.com/banks/leaders/proprietary-ai-platforms): 100 of 140 banks name one; BofA (Erica (and EricaAssist)), Citi (Citi Stylus Workspaces), Amex (Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection) lead.
- [Modern technology stack](https://www.bankingnewsai.com/banks/leaders/modern-technology-stack): Arvest, Deutsche Bank and Citizens, by disclosed cloud migration, core modernisation and API numbers.
- [Responsible AI](https://www.bankingnewsai.com/banks/leaders/responsible-ai): Citizens Business Bank, Synchrony and Banner Bank, by named AI councils, risk frameworks and responsible-AI officers.
- [AI adoption in 2026](https://www.bankingnewsai.com/banks/leaders/ai-adoption-2026): Amex, Citi and SoFi, by dated 2026 production rollouts and moves.
- [Research, patents and partnerships](https://www.bankingnewsai.com/banks/leaders/ai-research-patents-partnerships): USAA, TD Bank Group and BofA, by disclosed patents, research deals and model-provider partnerships.
- [Agentic AI](https://www.bankingnewsai.com/banks/leaders/agentic-ai): Amex, Commonwealth Bank and Deutsche Bank (U.S.); 76 of 140 banks have an agent in production.
- [Generative AI with customers](https://www.bankingnewsai.com/banks/leaders/generative-ai-customer-facing): 32 of 140 banks have one in production; BBVA, BNP Paribas and Société Générale lead on stage and scale.
- [Fraud and credit AI](https://www.bankingnewsai.com/banks/leaders/fraud-and-credit-ai): Zions, Citi and Western Alliance; 104 banks run fraud AI and 59 credit AI in production.
- [Data management](https://www.bankingnewsai.com/banks/leaders/data-management): First Horizon, Standard Chartered and State Street, by named data platforms, governance programmes and chief data officers.
- [Cloud adoption](https://www.bankingnewsai.com/banks/leaders/cloud): Citizens, Commonwealth Bank and Capital One; 3 banks say they are all-in on the public cloud or out of their data centres.
- [Technology talent](https://www.bankingnewsai.com/banks/leaders/technology-talent): M&T, Lloyds and UBS Group AG, by disclosed technologist headcount, open AI roles, named leaders and hubs.
- [Auto-lending AI](https://www.bankingnewsai.com/banks/leaders/auto-lending-ai): Capital One, Santander US and Ally; 9 banks disclose auto-finance automation or AI, 6 call it AI.
- [Strategy and technology vision](https://www.bankingnewsai.com/banks/leaders/strategy-and-technology-vision): DBS, MUFG and Regions, by executive statements, stated technology budgets, dated strategy events and named platforms.
- [Client experience technology](https://www.bankingnewsai.com/banks/leaders/client-experience-technology): BBVA, Truist and U.S. Bank, by client-facing AI in production, digital-active customers and assistant interactions.
- [Wealth management AI](https://www.bankingnewsai.com/banks/leaders/wealth-management-ai): 69 banks qualify; Raymond James, Schwab and Morgan Stanley lead on stage and depth of wealth and adviser AI.
- [Payments AI](https://www.bankingnewsai.com/banks/leaders/payments-ai): Amex, U.S. Bank and Banco Santander; 96 banks have payments, treasury or merchant AI on the record.
- [Compliance AI](https://www.bankingnewsai.com/banks/leaders/compliance-ai): Deutsche Bank, TD and BNY, by depth of compliance AI, then breadth across AML and KYC, model risk, governance and fair lending.
- [Cybersecurity AI](https://www.bankingnewsai.com/banks/leaders/cybersecurity): Commonwealth Bank, Community Bank N.A. and M&T, by cyber AI in production, dated moves and disclosed cyber budgets.

[All 120 bank pages](https://www.bankingnewsai.com/banks).

---

Canonical page: https://www.bankingnewsai.com/banks/ai-index
Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (43 authorities, 244 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.