SEC filings · computed from SEC EDGAR filings dataset; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 31, 2026, 56 of the 141 large banks profiled have a verbatim filing statement about AI and competition. Ranked by quotes (filings), the top 5 are United Community (4 filing quotes), Capital One (3 filing quotes), Customers Bank (3 filing quotes), Rockland Trust (3 filing quotes) and Seacoast Bank (3 filing quotes). United Community's strongest evidence: United Community says rapid technological change, including AI and machine learning, is reshaping financial services and affecting its future success. (Form 10-K, risk factors, filed Feb 17, 2026).
141 banks profiled (120 US, 21 non-US) · 56 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks cite AI as a competitive factor in their SEC filings?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | United Community | 4 | United Community says rapid technological change, including AI and machine learning, is reshaping financial services and affecting its future success. (Form 10-K, risk factors, filed Feb 17, 2026) | 3 filings | Feb 17, 2026 | United Community · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | Capital One | 3 | Capital One says its long-term technology transformation positions it as an AI leader in banking and differentiates it in the market. (Form DEF 14A, proxy, filed Mar 25, 2026) | 3 filings | Mar 25, 2026 | Capital One · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | Customers Bank | 3 | Customers Bank says competitors with greater technology resources, including AI, may outpace it in new products and services. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | Customers Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | Rockland Trust | 3 | Independent Bank warns new AI and technology-driven tools may outperform or make obsolete its current products and services. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | Rockland Trust · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | Seacoast Bank | 3 | Seacoast warns it could lose growth and market position if it fails to keep pace or competitors deploy AI better. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | Seacoast Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | Citi | 3 | Citi says AI adds competitive pressure and its AI-driven productivity gains may arrive slower or need unexpected upfront investment. (Form 10-K, risk factors, filed Feb 20, 2026) | 2 filings | Feb 20, 2026 | Citi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | Sallie Mae | 3 | SLM warns it could lose market share if it cannot keep pace with rapid technology changes, including AI. (Form 10-K, risk factors, filed Feb 19, 2026) | 2 filings | Feb 19, 2026 | Sallie Mae · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | Hilltop | 3 | Hilltop believes larger competitors can develop new technologies in-house, potentially leaving Hilltop at a competitive disadvantage. (Form 10-K, risk factors, filed Feb 13, 2026) | 2 filings | Feb 13, 2026 | Hilltop · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | Webster | 3 | Webster warns that failing to keep pace with technological change, including AI, could materially harm its business and financial results. (Form 10-K, risk factors, filed Mar 3, 2025) | 2 filings | Mar 3, 2025 | Webster · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | Truist | 3 | Truist says competitors adopting AI could force it to make substantial investments or radically alter its business. (Form 10-K, risk factors, filed Feb 25, 2025) | 2 filings | Feb 25, 2025 | Truist · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | Zions | 3 | Zions says adoption of AI and other technologies may fundamentally change banking and competitive pressure from fintechs and platforms is increasing. (Form 10-K, risk factors, filed Feb 25, 2025) | 2 filings | Feb 25, 2025 | Zions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | FirstSun | 2 | FirstSun says rapid AI adoption by competitors could pressure pricing and its competitive position if it falls behind. (Form 10-K, risk factors, filed Mar 6, 2026) | 2 filings | Mar 6, 2026 | FirstSun · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | Beacon Bank | 2 | Beacon says AI, including generative AI, could intensify competition and accelerate disruption in financial services. (Form 10-K, risk factors, filed Mar 2, 2026) | 2 filings | Mar 2, 2026 | Beacon Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | ServisFirst Bank | 2 | ServisFirst warns that better-resourced competitors investing in technology could hurt its ability to compete and raise its expenses. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | ServisFirst Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | Nicolet | 2 | Nicolet notes rapid technological change in financial services, including AI and machine learning, and says it must keep pace or its business could be harmed. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | Nicolet · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | Ameris | 2 | Ameris says widespread adoption of AI and other emerging technologies could intensify competition and accelerate disruption in financial services. (Form 10-K, risk factors, filed Feb 26, 2026) | 2 filings | Feb 26, 2026 | Ameris · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | HSBC USA | 2 | HSBC USA says new technologies including AI could force it to spend more to adapt products to retain customers. (Form 10-K, risk factors, filed Feb 25, 2026) | 2 filings | Feb 25, 2026 | HSBC USA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | Wells Fargo | 2 | Wells Fargo warns competitors may use AI to improve products, efficiency, operations and customer service. (Form 10-K, risk factors, filed Feb 24, 2026) | 2 filings | Feb 24, 2026 | Wells Fargo · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | Northern Trust | 2 | Northern Trust fears competitors may adopt AI in products faster or better, impairing its competitiveness. (Form 10-K, risk factors, filed Feb 24, 2026) | 2 filings | Feb 24, 2026 | Northern Trust · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 20 | State Street | 2 | State Street expects it may face new and increasing competition as AI and other new technologies evolve. (Form 10-K, business, filed Feb 19, 2026) | 2 filings | Feb 19, 2026 | State Street · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 21 | First Financial Bank | 2 | The bank expects AI and related technologies to intensify competition in its already highly competitive industry. (Form 10-K, risk factors, filed Feb 19, 2026) | 2 filings | Feb 19, 2026 | First Financial Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 22 | Huntington | 2 | Huntington admits its AI use may not succeed or be adopted by staff, and competitors may adopt AI faster than it does. (Form 10-K, risk factors, filed Feb 13, 2026) | 2 filings | Feb 13, 2026 | Huntington · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 23 | Morgan Stanley | 2 | Morgan Stanley expects generative artificial intelligence, alongside electronic trading, to keep pressuring its revenues through price competition. (Form 10-K, risk factors, filed Feb 21, 2025) | 2 filings | Feb 21, 2025 | Morgan Stanley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 24 | BancFirst | 2 | BancFirst says the financial industry is changing rapidly with new technology products, including AI-leveraging offerings, and that this shapes its competitive position. (Form 10-K, business, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | BancFirst · in their words → | SEC EDGAR ↗ |
| 25 | Western Alliance | 2 | Western Alliance notes the industry is changing rapidly with new technology-driven products, including AI and machine learning offerings. (Form 10-K, risk factors, filed Feb 25, 2025) | 1 filing | Feb 25, 2025 | Western Alliance · in their words → | SEC EDGAR ↗ |
| 26 | First Horizon | 2 | First Horizon says AI-based robo-advisory firms compete more directly with it in personal advice, financial planning and wealth management. (Form 10-K, risk factors, filed Feb 23, 2024) | 1 filing | Feb 23, 2024 | First Horizon · in their words → | SEC EDGAR ↗ |
| 27 | BNY | 1 | BNY warns that failing to adopt AI agents and digital employees swiftly could cause significant competitive disadvantages. (Form 10-Q, other, filed Jul 31, 2026) | 1 filing | Jul 31, 2026 | BNY · in their words → | SEC EDGAR ↗ |
| 28 | Pinnacle | 1 | Pinnacle says better-resourced competitors investing more heavily in new technologies, including AI, may put it at a disadvantage. (Form 10-Q, risk factors, filed May 6, 2026) | 1 filing | May 6, 2026 | Pinnacle · in their words → | SEC EDGAR ↗ |
| 29 | SouthState | 1 | SouthState cites technology changes including AI as a risk, along with disruption to its business model and lacking resources to match competitors' technology… (Form 10-Q, MD&A, filed May 1, 2026) | 1 filing | May 1, 2026 | SouthState · in their words → | SEC EDGAR ↗ |
| 30 | Central Bank | 1 | Central Bank acknowledges it may not keep pace with competitors in implementing technology-driven products like AI-based offerings. (Form 10-K, risk factors, filed Mar 25, 2026) | 1 filing | Mar 25, 2026 | Central Bank · in their words → | SEC EDGAR ↗ |
| 31 | East West | 1 | East West says the financial industry is changing rapidly with new technology, including recent developments in artificial intelligence, and that keeping pace matters… (Form 10-K, risk factors, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | East West · in their words → | SEC EDGAR ↗ |
| 32 | First Merchants | 1 | First Merchants warns that failing to embrace AI or achieve expected productivity gains could leave it at a competitive disadvantage. (Form 10-K, risk factors, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | First Merchants · in their words → | SEC EDGAR ↗ |
| 33 | Banner Bank | 1 | Banner warns that competitors gaining an edge from generative and agentic AI could hurt its competitiveness and results. (Form 10-K, risk factors, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | Banner Bank · in their words → | SEC EDGAR ↗ |
| 34 | Fifth Third | 1 | Fifth Third is uncertain its AI use will succeed and fears competitors may adopt AI faster than it does. (Form 10-K, risk factors, filed Feb 24, 2026) | 1 filing | Feb 24, 2026 | Fifth Third · in their words → | SEC EDGAR ↗ |
| 35 | Regions | 1 | Regions warns competitors may adopt AI faster or more successfully, impairing its ability to compete. (Form 10-K, risk factors, filed Feb 24, 2026) | 1 filing | Feb 24, 2026 | Regions · in their words → | SEC EDGAR ↗ |
| 36 | Old National | 1 | Old National says advances in AI and automation could significantly affect competition for financial services. (Form 10-K, risk factors, filed Feb 19, 2026) | 1 filing | Feb 19, 2026 | Old National · in their words → | SEC EDGAR ↗ |
| 37 | M&T | 1 | M&T says advances in robotic process automation and AI could significantly change competition for financial services. (Form 10-K, risk factors, filed Feb 18, 2026) | 1 filing | Feb 18, 2026 | M&T · in their words → | SEC EDGAR ↗ |
| 38 | JPMorgan | 1 | JPMorgan says failing to keep pace with generative AI adoption could cost it clients, market share and revenue. (Form 10-K, risk factors, filed Feb 13, 2026) | 1 filing | Feb 13, 2026 | JPMorgan · in their words → | SEC EDGAR ↗ |
| 39 | Synchrony | 1 | Synchrony says agentic AI shopping agents could autonomously handle purchases, threatening its relationships with consumers and merchants if competitors gain advantaged… (Form 10-K, MD&A, filed Feb 6, 2026) | 1 filing | Feb 6, 2026 | Synchrony · in their words → | SEC EDGAR ↗ |
| 40 | Atlantic Union | 1 | Atlantic Union says that, given rapid AI growth, it plans to remain a fast follower rather than a leader. (Form 8-K, 8-K exhibit, filed Dec 10, 2025) | 1 filing | Dec 10, 2025 | Atlantic Union · in their words → | SEC EDGAR ↗ |
Each row quotes one record from SEC EDGAR filings dataset; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the SEC filings dataset (data/sec/quotes.jsonl): verbatim AI statements from 10-K, 10-Q, 8-K and DEF 14A filings of the banks' holding companies, each with its EDGAR link, filing date, section and topic.
Rule: Quotes classified as AI and competition. Score = such quotes; ties by distinct filings, then the newest filing.
Counts: 56 of 141 profiled banks qualify; the table shows the top 40; 63 distinct sources cited in the table. Data checked 2026-10-31; ranking template updated 2026-10-30.
What are the caveats?
The dataset holds the AI passages the extractor found in filings since January 2024; a bank with few quotes may say more in passages not captured. Quotes are verbatim; the one-line claim is the extractor's summary and links the EDGAR text.
Banks without a US SEC filer (most non-US groups, private and mutual banks) have no quotes and are absent.
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
United Community Banks leads with 4 filing quotes: United Community says rapid technological change, including AI and machine learning, is reshaping financial services and affecting its future success. (Form 10-K, risk factors, filed Feb 17, 2026). Capital One is second with 3.
How many large banks cite AI as a competitive factor in filings?
56 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 40 are US banks and 0 non-US groups.
What counts, and what does not?
Quotes classified as AI and competition. Score = such quotes; ties by distinct filings, then the newest filing. Source: the SEC filings dataset (data/sec/quotes.jsonl): verbatim AI statements from 10-K, 10-Q, 8-K and DEF 14A filings of the banks' holding companies, each with its EDGAR link, filing date, section and topic.
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-31 (SEC EDGAR filings dataset). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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