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, 59 of the 141 large banks profiled have a verbatim AI statement in a DEF 14A proxy statement. Ranked by quotes (filings), the top 5 are JPMorgan (13 filing quotes), Wells Fargo (10 filing quotes), PNC (10 filing quotes), BNY (10 filing quotes) and Regions (9 filing quotes). JPMorgan's strongest evidence: JPMorgan says it continued investing in data, technology and AI research and capabilities throughout 2025. (Form DEF 14A, proxy, filed Apr 6, 2026).
141 banks profiled (120 US, 21 non-US) · 59 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks describe AI governance or board oversight in their proxy statements?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | JPMorgan | 13 | JPMorgan says it continued investing in data, technology and AI research and capabilities throughout 2025. (Form DEF 14A, proxy, filed Apr 6, 2026) | 3 filings | Apr 6, 2026 | JPMorgan · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | Wells Fargo | 10 | Wells Fargo says its Risk Committee has primary oversight of technology risk, including AI, data management risk and model risk. (Form DEF 14A, proxy, filed Mar 18, 2026) | 3 filings | Mar 18, 2026 | Wells Fargo · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | PNC | 10 | PNC says it advanced its enterprise AI strategy and deployed multiple generative AI platforms, including Microsoft Copilot, to boost employee productivity. (Form DEF 14A, proxy, filed Mar 11, 2026) | 3 filings | Mar 11, 2026 | PNC · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | BNY | 10 | BNY says its Eliza 2.0 AI platform is adopted by 99% of employees, with 160 enterprise AI solutions and 134 digital employees in production. (Form DEF 14A, proxy, filed Mar 5, 2026) | 3 filings | Mar 5, 2026 | BNY · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | Regions | 9 | Regions says its AI-driven platforms drive 35% of new business opportunities and are expected to boost productivity by 20%. (Form DEF 14A, proxy, filed Mar 23, 2026) | 3 filings | Mar 23, 2026 | Regions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | Bread Financial | 8 | Bread Financial says its board oversees controls and a framework governing responsible AI use. (Form DEF 14A, proxy, filed Apr 7, 2026) | 3 filings | Apr 7, 2026 | Bread Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | Capital One | 8 | Capital One says its technology, infrastructure and data investments are enabling its ability to drive growth and leverage AI. (Form DEF 14A, proxy, filed Mar 25, 2026) | 3 filings | Mar 25, 2026 | Capital One · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | Citi | 8 | Citi says its board oversaw responsible AI deployment and treated governance and controls over Generative AI as a particular focus while scaling proprietary tools… (Form DEF 14A, proxy, filed Apr 2, 2026) | 2 filings | Apr 2, 2026 | Citi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | BofA | 7 | Bank of America says its Board enhanced strategy discussions to cover artificial intelligence and key competitor analysis. (Form DEF 14A, proxy, filed Mar 23, 2026) | 3 filings | Mar 23, 2026 | BofA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | Goldman | 7 | Goldman says its multi-year One GS 3.0 operating model, propelled by AI, targets profitability, productivity, risk management and client and employee experience gains. (Form DEF 14A, proxy, filed Mar 20, 2026) | 3 filings | Mar 20, 2026 | Goldman · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | Ally | 7 | Ally says it has rolled out Ally.ai, its proprietary generative AI platform, enterprise-wide to empower teammates and streamline workflows. (Form DEF 14A, proxy, filed Mar 18, 2026) | 2 filings | Mar 18, 2026 | Ally · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | Citizens | 7 | Citizens says it will use AI and agentic AI to enhance customer service and how it runs the bank under its Reimagine the Bank initiative. (Form DEF 14A, proxy, filed Mar 9, 2026) | 2 filings | Mar 9, 2026 | Citizens · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | First Financial Bank | 6 | First Financial says it has an AI governance framework covering ethical, transparent, responsible AI use and related data, model and human-oversight risks. (Form DEF 14A, proxy, filed Apr 16, 2026) | 2 filings | Apr 16, 2026 | First Financial Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | KeyBank | 6 | KeyCorp's board committee reviews and approves technology strategy and investments, including those related to AI. (Form DEF 14A, proxy, filed Mar 27, 2026) | 2 filings | Mar 27, 2026 | KeyBank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | FNB | 6 | FNB says its Board Risk Committee oversees AI governance and decision-making across multiple areas of operations. (Form DEF 14A, proxy, filed Mar 25, 2026) | 2 filings | Mar 25, 2026 | FNB · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | Zions | 6 | Board committees receive regular management reports on technology and cybersecurity risks and developments, including from the CISO and CTO. (Form DEF 14A, proxy, filed Mar 19, 2026) | 2 filings | Mar 19, 2026 | Zions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | Huntington | 6 | Huntington says it continued investing in digital capabilities and deploying AI implementations during 2025. (Form DEF 14A, proxy, filed Mar 12, 2026) | 2 filings | Mar 12, 2026 | Huntington · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | Texas Capital | 6 | Texas Capital launched a firm-wide AI initiative with four areas aimed at employee learning and engagement. (Form DEF 14A, proxy, filed Mar 12, 2026) | 2 filings | Mar 12, 2026 | Texas Capital · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | Northern Trust | 6 | Northern Trust says its Board oversees the company's use of AI as part of strategy, technology and risk oversight. (Form DEF 14A, proxy, filed Mar 11, 2026) | 2 filings | Mar 11, 2026 | Northern Trust · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 20 | Amex | 5 | Amex says it has an AI Risk Management Policy covering all AI systems, colleagues, products and lines of business. (Form DEF 14A, proxy, filed Mar 25, 2026) | 1 filing | Mar 25, 2026 | Amex · in their words → | SEC EDGAR ↗ |
| 21 | Webster | 5 | Webster says its board Risk Committee oversees a management Information Risk Committee that sets guidelines for developing, deploying and acceptably using AI. (Form DEF 14A, proxy, filed Apr 11, 2025) | 1 filing | Apr 11, 2025 | Webster · in their words → | SEC EDGAR ↗ |
| 22 | First Hawaiian | 4 | First Hawaiian says it advanced governance over data and AI risks while enabling innovation under disciplined oversight. (Form DEF 14A, proxy, filed Mar 12, 2026) | 3 filings | Mar 12, 2026 | First Hawaiian · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 23 | BankUnited | 4 | BankUnited established an AI and Data Advisory Group in July 2025 to support AI governance and AI risk management. (Form DEF 14A, proxy, filed Apr 10, 2026) | 2 filings | Apr 10, 2026 | BankUnited · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 24 | Renasant | 4 | Renasant says its technology committee oversees implementing AI capabilities in client-facing and back-office operations and related risks. (Form DEF 14A, proxy, filed Mar 18, 2026) | 2 filings | Mar 18, 2026 | Renasant · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 25 | U.S. Bank | 4 | U.S. Bank says investments in AI, automation and digital capabilities have helped it achieve meaningful cost savings in core operations. (Form DEF 14A, proxy, filed Mar 10, 2026) | 2 filings | Mar 10, 2026 | U.S. Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 26 | State Street | 4 | State Street says it grew AI-enabled capabilities to improve efficiency and support better decision-making. (Form DEF 14A, proxy, filed Apr 8, 2026) | 1 filing | Apr 8, 2026 | State Street · in their words → | SEC EDGAR ↗ |
| 27 | Truist | 4 | Truist says its AI program is founded on the NIST AI Risk Management Framework Core to manage AI risks and build trustworthy systems. (Form DEF 14A, proxy, filed Mar 16, 2026) | 1 filing | Mar 16, 2026 | Truist · in their words → | SEC EDGAR ↗ |
| 28 | Bank of Hawaii | 4 | The Board says it devotes significant time and attention to overseeing AI, cybersecurity and information security risk. (Form DEF 14A, proxy, filed Mar 13, 2026) | 1 filing | Mar 13, 2026 | Bank of Hawaii · in their words → | SEC EDGAR ↗ |
| 29 | Synchrony | 3 | Synchrony's board reviews strategy annually, with deep dives including generative artificial intelligence as an area of focus. (Form DEF 14A, proxy, filed Apr 29, 2026) | 3 filings | Apr 29, 2026 | Synchrony · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 30 | OceanFirst | 3 | OceanFirst says a board committee reviews the company's AI initiatives and its technology-related risk management activities. (Form DEF 14A, proxy, filed Apr 27, 2026) | 2 filings | Apr 27, 2026 | OceanFirst · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 31 | Western Alliance | 3 | Western Alliance's board approved a standing Technology & Cybersecurity Committee in February 2026, citing AI as a strategic consideration, not just an operational risk. (Form DEF 14A, proxy, filed Apr 22, 2026) | 2 filings | Apr 22, 2026 | Western Alliance · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 32 | Bank of Hope | 3 | The board has adopted an acceptable-use policy that restricts AI until proposed technology is vetted by management and information security and approved. (Form DEF 14A, proxy, filed Apr 10, 2026) | 2 filings | Apr 10, 2026 | Bank of Hope · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 33 | Popular | 3 | A board committee is responsible for overseeing Popular's emerging technology risks, including AI-related risks. (Form DEF 14A, proxy, filed Mar 24, 2026) | 2 filings | Mar 24, 2026 | Popular · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 34 | SouthState | 3 | SouthState says its directors received 2025 training that included artificial intelligence, alongside payments, regulatory and compliance topics. (Form DEF 14A, proxy, filed Mar 3, 2026) | 2 filings | Mar 3, 2026 | SouthState · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 35 | Citizens Business Bank | 3 | The bank has adopted a Policy Framework applying to all AI initiatives by the bank and its vendors. (Form DEF 14A, proxy, filed Apr 7, 2026) | 1 filing | Apr 7, 2026 | Citizens Business Bank · in their words → | SEC EDGAR ↗ |
| 36 | Old National | 3 | Old National says it is responsibly deploying AI capabilities as part of accelerating its digital transformation and product investment. (Form DEF 14A, proxy, filed Apr 2, 2026) | 1 filing | Apr 2, 2026 | Old National · in their words → | SEC EDGAR ↗ |
| 37 | Community Bank N.A. | 3 | The company set a 2026 objective to develop customer-facing artificial intelligence solutions, tied to its incentive scorecard. (Form DEF 14A, proxy, filed Mar 27, 2026) | 1 filing | Mar 27, 2026 | Community Bank N.A. · in their words → | SEC EDGAR ↗ |
| 38 | Flagstar | 2 | Flagstar says its internal AI and automation capabilities progressed, with an enterprise platform scheduled to launch in early 2026. (Form DEF 14A, proxy, filed Apr 30, 2026) | 2 filings | Apr 30, 2026 | Flagstar · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 39 | Banner Bank | 2 | Banner says its Corporate Governance/Nominating Committee considers artificial intelligence expertise when identifying needed board skills and selecting director… (Form DEF 14A, proxy, filed Apr 6, 2026) | 2 filings | Apr 6, 2026 | Banner Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 40 | National Bank Holdings | 2 | The Audit & Risk Committee receives quarterly updates that include artificial intelligence alongside information security and cybersecurity trends. (Form DEF 14A, proxy, filed Apr 3, 2026) | 2 filings | Apr 3, 2026 | National Bank Holdings · in their words → | SEC EDGAR ↗ · 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 from DEF 14A proxy statements (board oversight, committee charters, executive skills matrices, compensation). Score = such quotes; ties by distinct filings, then the newest filing.
Counts: 59 of 141 profiled banks qualify; the table shows the top 40; 72 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?
JPMorgan Chase leads with 13 filing quotes: JPMorgan says it continued investing in data, technology and AI research and capabilities throughout 2025. (Form DEF 14A, proxy, filed Apr 6, 2026). Wells Fargo is second with 10.
How many large banks describe AI oversight in proxy statements?
59 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 from DEF 14A proxy statements (board oversight, committee charters, executive skills matrices, compensation). 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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