Name: BankingNewsAI Bank AI Disclosure Index, Q4 2026 edition
Creator: BankingNewsAI
Published: 2026-10-22
License: https://creativecommons.org/licenses/by/4.0/

In the Q4 2026 edition of the BankingNewsAI Bank AI Disclosure Index, Bank of America ranks first with 97.3 of 100 points, followed by Citi (94.7), Amex (93.0), TD (91.5), Wells Fargo (90.3). The edition scores 120 US banks on the depth of their public AI record as cited on each bank's page on Oct 21, 2026; 17 have disclosed no AI programme. It measures disclosure, not capability. This table is frozen; the live ranking keeps changing as bank pages are updated.

The ranking

How did the 120 banks rank in the Q4 2026 edition?

#	Bank	Score	Independent sources	In production	Platform	Own disclosures	Moves, 12 months	Numbers	Leaders	Use cases
1	BofA	97.3	37	16	Yes	24	34	28	17	18
2	Citi	94.7	42	15	Yes	19	34	19	18	20
3	Amex	93.0	30	13	Yes	28	32	17	9	24
4	TD	91.5	27	13	Yes	23	27	18	13	18
5	Wells Fargo	90.3	35	14	Yes	16	33	19	16	17
6	JPMorgan	89.8	43	8	Yes	21	31	22	19	16
7	BNY	89.6	29	12	Yes	19	29	21	17	14
8	Santander	89.6	25	11	Yes	22	29	17	23	16
9	Capital One	86.6	25	13	Yes	45	25	14	9	13
10	BMO	85.6	16	14	Yes	26	33	18	15	16
11	Citizens	85.0	25	10	Yes	18	26	20	10	20
12	Truist	84.7	18	14	Yes	20	28	20	14	16
13	Raymond James	84.4	19	14	Yes	23	21	16	13	16
14	Huntington	83.8	19	15	Yes	17	28	16	14	17
15	Fifth Third	83.7	27	10	Yes	17	25	17	14	13
16	Regions	83.4	22	13	Yes	18	25	14	14	15
17	HSBC	81.9	18	7	Yes	27	31	20	16	16
18	U.S. Bank	81.3	17	16	Yes	21	26	12	13	18
19	Ally	81.1	24	10	Yes	18	20	17	14	14
20	Schwab	80.7	18	15	Yes	14	24	21	14	19
21	SoFi	80.1	15	14	Yes	20	28	17	10	17
22	Goldman	79.8	39	7	Yes	15	28	14	16	13
23	Northern Trust	79.7	12	11	Yes	32	22	17	20	17
24	KeyBank	79.6	25	10	Yes	17	20	14	11	16
25	Deutsche Bank	77.5	19	9	Yes	21	17	17	15	14
26	Valley	76.6	11	13	Yes	22	22	18	14	17
27	CIBC	76.5	12	14	Yes	23	21	14	12	17
28	M&T	75.3	18	10	Yes	13	25	18	13	14
29	Customers Bank	75.3	13	11	Yes	20	23	23	7	16
30	State Street	75.2	15	9	Yes	20	23	17	14	14
31	UBS	74.8	21	10	Yes	9	21	15	15	14
32	Western Alliance	71.8	13	16	Yes	14	18	16	12	17
33	SouthState	70.9	12	10	Yes	16	20	20	10	20
34	Morgan Stanley	69.8	21	9	Yes	9	19	12	13	14
35	First Horizon	68.7	17	7	Yes	13	22	16	13	16
36	Synchrony	68.7	12	10	Yes	15	20	17	11	15
37	Webster	68.6	14	7	Yes	17	24	16	17	11
38	PNC	68.2	17	8	Yes	15	24	12	10	14
39	First Citizens	67.3	11	12	Yes	17	23	11	11	14
40	Old National	66.0	9	10	Yes	22	18	16	12	14
41	Flagstar	65.4	14	8	Yes	12	24	14	11	14
42	Pinnacle	65.3	12	9	Yes	17	21	12	12	12
43	City National	65.1	17	5	Yes	20	19	11	13	10
44	Columbia	63.4	10	15	Yes	14	16	14	13	16
45	BankUnited	63.4	7	10	Yes	26	19	15	11	15
46	USAA	63.2	20	8	Yes	8	11	21	7	14
47	FNB	59.2	6	9	Yes	25	19	20	9	15
48	Zions	58.3	11	10	Yes	10	11	16	11	16
49	Associated	56.9	11	4	Yes	19	17	11	12	11
50	Axos Bank	56.8	8	10	Yes	16	17	13	11	12
51	Barclays US	55.6	10	8	Yes	11	16	17	13	12
52	Atlantic Union	53.4	10	5	Yes	14	18	14	8	12
53	FNBO	53.2	10	8	Yes	11	14	16	11	12
54	Live Oak	53.2	10	6	Yes	15	16	17	8	10
55	First Interstate	51.3	7	5	Yes	17	21	15	9	11
56	Bread Financial	50.5	10	10	Yes	12	12	13	4	12
57	WaFd Bank	50.5	8	9	Yes	9	16	14	8	13
58	Frost	49.4	7	7	Yes	15	17	16	12	9
59	East West	49.3	7	8	Yes	15	18	13	9	10
60	Texas Capital	49.1	6	8	Yes	17	21	12	8	12
61	UMB	47.3	7	9	Yes	14	15	12	11	10
62	First Hawaiian	47.2	8	12	No	21	13	11	7	16
63	Sallie Mae	45.8	4	9	Yes	23	17	14	6	12
64	Busey Bank	44.9	4	10	Yes	21	13	14	8	13
65	ConnectOne	44.7	9	7	Yes	12	14	12	6	10
66	Fulton	44.5	6	10	No	23	17	13	8	12
67	Seacoast Bank	42.1	4	10	Yes	18	14	12	10	11
68	Community Bank N.A.	41.9	4	9	Yes	24	12	14	5	12
69	BOK Financial	41.4	9	4	No	18	19	12	9	6
70	OceanFirst	40.3	4	9	Yes	16	15	11	8	16
71	Prosperity	40.1	6	4	Yes	15	17	13	6	8
72	Optum Bank	39.7	4	7	Yes	19	15	14	7	12
73	TowneBank	39.0	4	9	Yes	13	17	12	9	12
74	ServisFirst Bank	38.9	7	4	Yes	13	16	12	5	6
75	United Community	38.8	4	8	No	27	21	15	6	13
76	Wintrust	38.2	8	7	No	16	16	11	10	9
77	Bank of Hawaii	37.9	4	11	No	17	17	14	10	15
78	Hancock Whitney	37.4	4	5	Yes	20	13	14	8	11
79	Arvest	37.2	7	4	Yes	12	9	12	7	11
80	Eastern Bank	36.4	5	9	No	20	17	10	7	13
81	Banner Bank	36.1	3	9	Yes	21	14	12	6	12
82	Banc of California	34.7	1	10	Yes	21	15	14	5	14
83	Enterprise Bank & Trust	34.5	1	10	Yes	26	16	10	5	13
84	Commerce	34.1	3	6	Yes	21	15	14	7	10
85	Popular	32.2	5	9	No	14	16	13	8	11
86	Rockland Trust	32.2	3	3	Yes	20	20	11	5	10
87	Hilltop	30.7	8	6	No	9	10	13	8	9
88	First Merchants	29.9	3	9	No	22	18	12	7	11
89	Bank OZK	28.8	5	4	No	15	17	13	9	8
90	Beacon Bank	28.6	6	8	No	13	13	13	5	10
91	WesBanco	27.1	2	9	No	23	17	15	5	12
92	City National Florida	26.9	5	9	No	15	10	12	6	9
93	First United Bank	26.7	5	8	No	13	12	12	10	10
94	First Commonwealth	25.9	6	7	No	14	10	12	6	8
95	Central Bank	24.8	2	8	Yes	11	13	15	6	11
96	The Bancorp	21.4	5	4	No	6	15	12	4	10
97	Ameris	20.7	2	9	No	18	14	11	9	11
98	Trustmark	18.9	3	6	No	14	17	13	5	10
99	Citizens Business Bank	17.0	1	8	No	18	17	8	7	8
100	NBT	14.1	3	6	No	15	12	10	6	8
101	BancFirst	11.0	3	6	No	14	10	8	4	7
102	Dime	10.6	3	2	No	13	13	10	4	8
103	Park National	6.6	2	5	No	10	10	11	6	8
104	Stifel Bank · no programme disclosed	6.5	10	12	Yes	18	22	14	6	13
105	First Financial Bank · no programme disclosed	4.4	7	8	No	24	17	13	7	11
106	Simmons Bank · no programme disclosed	3.6	5	8	No	22	19	10	8	10
107	FirstBank · no programme disclosed	3.5	7	9	No	16	13	11	5	12
108	Centennial Bank · no programme disclosed	3.4	6	7	No	17	16	16	4	10
109	EverBank · no programme disclosed	3.3	10	0	No	5	12	14	8	5
110	Cathay Bank · no programme disclosed	2.6	4	9	No	19	11	11	6	10
111	Renasant · no programme disclosed	2.4	2	12	No	24	12	12	2	12
112	Mechanics Bank · no programme disclosed	2.3	3	7	No	21	15	13	5	10
113	United Bank · no programme disclosed	2.1	3	5	No	25	13	11	6	8
114	Bank of Hope · no programme disclosed	2.1	3	6	No	23	14	12	4	8
115	FirstSun · no programme disclosed	2.0	5	1	No	14	13	10	6	5
116	National Bank Holdings · no programme disclosed	2.0	4	6	No	15	13	11	6	8
117	Glacier · no programme disclosed	2.0	3	7	No	18	14	12	6	10
118	Merchants Bank of Indiana · no programme disclosed	1.8	3	10	No	14	10	10	4	12
119	Nicolet · no programme disclosed	1.1	3	2	No	13	15	10	3	5
120	First Financial Bankshares · no programme disclosed	0.9	2	0	No	17	12	9	6	1

Component values are raw counts from each bank's page (platform: yes or no); the score is computed from their percentile ranks. Download this edition (CSV).

How to cite

How do I cite the Q4 2026 edition?

Cite this ranking as:

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

The data is published under CC BY 4.0: reuse it with a link to the page it came from. Download the Q4 2026 edition (CSV).

Changes

What changed versus the previous edition?

None: this is the first edition of the index. Later editions will list banks added, banks entering and leaving the top ten, and the largest rank moves against this one.

Method

How is the 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, ties sharing the average rank); a named AI platform or programme is 1 or 0. The weights: independent coverage 45%; use cases in production, a named platform, the bank's own primary disclosures and dated moves in the last twelve months 10% each; disclosed numbers, named leaders and all use cases described 5% each. The weighted sum is multiplied by 100. A bank whose page records no disclosed AI programme is capped at 30 and ranked below all banks that have one. Ties are broken by independent coverage, then by assets.

The full methodology: weights, the percentile method, the undisclosed cap, tie-breaks, source kinds and what the score does not measure.

Open data, CC BY 4.0: reuse with a link to this page. License. The live ranking.

BankingNewsAI Bank AI Disclosure Index: the Q4 2026 edition

How did the 120 banks rank in the Q4 2026 edition?

How do I cite the Q4 2026 edition?

What changed versus the previous edition?

How is the score calculated?

Every bank's next AI move, the morning after.