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, 49 of the 141 large banks profiled have a verbatim filing statement about AI investment or strategy. Ranked by quotes (filings), the top 5 are State Street (10 filing quotes), FNB (8 filing quotes), Bread Financial (8 filing quotes), Goldman (7 filing quotes) and Capital One (6 filing quotes). State Street's strongest evidence: State Street lists AI-enabled transformation among its strategic growth initiatives alongside alternatives, digital assets and wealth tech. (Form 8-K, 8-K exhibit, filed Oct 14, 2026).
141 banks profiled (120 US, 21 non-US) · 49 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks describe AI investment and strategy in their SEC filings?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | State Street | 10 | State Street lists AI-enabled transformation among its strategic growth initiatives alongside alternatives, digital assets and wealth tech. (Form 8-K, 8-K exhibit, filed Oct 14, 2026) | 9 filings | Oct 14, 2026 | State Street · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | FNB | 8 | FNB says its investments in digital capabilities, data analytics and artificial intelligence drive efficiency and deeper household penetration across its customer base. (Form 8-K, 8-K exhibit, filed Jul 17, 2026) | 7 filings | Jul 17, 2026 | FNB · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | Bread Financial | 8 | Bread Financial says its capital and cash flow give it flexibility to invest in technology, including AI capabilities, alongside shareholder returns. (Form 8-K, 8-K exhibit, filed Oct 22, 2026) | 6 filings | Oct 22, 2026 | Bread Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | 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) | 6 filings | Mar 20, 2026 | Goldman · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | Capital One | 6 | 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) | 4 filings | Mar 25, 2026 | Capital One · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | Customers Bank | 5 | Customers Bank lists AI and automation as its first 2026 priority, expecting progress on top-down initiatives and bottom-up use cases to lift revenue and productivity. (Form 8-K, 8-K exhibit, filed Oct 22, 2026) | 4 filings | Oct 22, 2026 | Customers Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | Valley | 5 | Valley says acquiring Bluevine's engineering talent and AI experience gives it control over customer experience and faster solution delivery. (Form 8-K, 8-K exhibit, filed Sep 28, 2026) | 4 filings | Sep 28, 2026 | Valley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | Community Bank N.A. | 5 | Data processing cost increases reflect the company's continued investment in AI applications and workflow efficiency technologies. (Form 10-Q, MD&A, filed May 8, 2026) | 4 filings | May 8, 2026 | Community Bank N.A. · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | JPMorgan | 5 | JPMorgan says it continued investing in data, technology and AI research and capabilities throughout 2025. (Form DEF 14A, proxy, filed Apr 6, 2026) | 4 filings | Apr 6, 2026 | JPMorgan · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | Regions | 5 | Regions says it is building an enterprise-wide AI roadmap while maintaining strong data governance and risk controls. (Form DEF 14A, proxy, filed Mar 23, 2026) | 4 filings | Mar 23, 2026 | Regions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | 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) | 4 filings | Mar 10, 2026 | U.S. Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | Wells Fargo | 4 | Scharf says investment in AI infrastructure is a strong positive economic force outweighing macroeconomic risks such as higher rates, oil prices and inflation. (Form 8-K, 8-K exhibit, filed Oct 13, 2026) | 3 filings | Oct 13, 2026 | Wells Fargo · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | Amex | 4 | Amex says it furthered development of its AI capabilities in the first quarter of 2026 alongside product and partnership growth. (Form 10-Q, MD&A, filed Apr 23, 2026) | 3 filings | Apr 23, 2026 | Amex · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | Synchrony | 4 | Synchrony says it has established a partnership with OpenAI combining agentic commerce collaboration with enterprise AI access. (Form 8-K, 8-K exhibit, filed Oct 20, 2026) | 2 filings | Oct 20, 2026 | Synchrony · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | SouthState | 3 | SouthState's CEO says building artificial intelligence capabilities is one of the company's stated priorities alongside balance sheet growth and share repurchases. (Form 8-K, 8-K exhibit, filed Jul 23, 2026) | 3 filings | Jul 23, 2026 | SouthState · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | Citizens | 3 | Citizens has pilots scheduled for the second quarter to orchestrate agentic AI capabilities as part of its Reimagine the Bank initiatives. (Form 8-K, 8-K exhibit, filed Apr 16, 2026) | 3 filings | Apr 16, 2026 | Citizens · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | BNY | 3 | BNY says it established an company-wide 'AI for Everyone, Everywhere, in Everything' strategy alongside its Eliza 2.0 rollout. (Form DEF 14A, proxy, filed Mar 5, 2026) | 3 filings | Mar 5, 2026 | BNY · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | SoFi | 3 | SoFi acquired AI-powered investing platform Composer to make advanced investing tools more accessible to members. (Form 10-Q, MD&A, filed Aug 6, 2026) | 2 filings | Aug 6, 2026 | SoFi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | Axos Bank | 2 | Axos lists AI and machine learning among the drivers of its digital transformation and automation roadmap for 2026 and beyond. (Form 8-K, 8-K exhibit, filed Aug 6, 2026) | 2 filings | Aug 6, 2026 | Axos Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 20 | OceanFirst | 2 | OceanFirst says it created a centralized office to govern AI investment using ROI-based prioritization and concentrate capital on high-value use cases. (Form 8-K, 8-K exhibit, filed Jul 31, 2026) | 2 filings | Jul 31, 2026 | OceanFirst · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 21 | The Bancorp | 2 | The Bancorp says it is investing in AI tools to gain efficiency and productivity across its people and platform. (Form 10-Q, MD&A, filed May 6, 2026) | 2 filings | May 6, 2026 | The Bancorp · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 22 | Citi | 2 | Citi says it is investing in AI and technology to build new capabilities across FX, Equities, Spread Products and Rates. (Form DEF 14A, proxy, filed Apr 2, 2026) | 2 filings | Apr 2, 2026 | Citi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 23 | Banc of California | 2 | Banc of California says it is investing thoughtfully in technology, data and AI while keeping risk discipline. (Form DEF 14A, proxy, filed Mar 26, 2026) | 2 filings | Mar 26, 2026 | Banc of California · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 24 | Ally | 2 | Ally says it intends to improve operating efficiency across the organization through strategic implementation of AI and automation. (Form 10-K, business, filed Feb 25, 2026) | 2 filings | Feb 25, 2026 | Ally · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 25 | PNC | 2 | PNC's baseline economic forecast treats AI-related capital spending and wealth effects as key supports to growth. (Form 8-K, 8-K exhibit, filed Nov 7, 2025) | 2 filings | Nov 7, 2025 | PNC · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 26 | Live Oak | 1 | The CEO says the company is excited about possibilities AI may unlock for customers and employees. (Form 8-K, 8-K exhibit, filed Oct 21, 2026) | 1 filing | Oct 21, 2026 | Live Oak · in their words → | SEC EDGAR ↗ |
| 27 | ConnectOne | 1 | ConnectOne says it is committed to boosting productivity through technological innovation, including agentic workflows, to enhance operating performance. (Form 8-K, 8-K exhibit, filed Jul 23, 2026) | 1 filing | Jul 23, 2026 | ConnectOne · in their words → | SEC EDGAR ↗ |
| 28 | Western Alliance | 1 | Western Alliance reports a roughly 90% increase in tech spend over five years, now 10% of revenue and 17% of operating expenses. (Form 8-K, 8-K exhibit, filed May 12, 2026) | 1 filing | May 12, 2026 | Western Alliance · in their words → | SEC EDGAR ↗ |
| 29 | Flagstar | 1 | 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) | 1 filing | Apr 30, 2026 | Flagstar · in their words → | SEC EDGAR ↗ |
| 30 | United Community | 1 | United Community says AI offers opportunities to boost productivity, fraud prevention and innovation, and to deliver customer-benefiting improvements. (Form DEF 14A, proxy, filed Apr 1, 2026) | 1 filing | Apr 1, 2026 | United Community · in their words → | SEC EDGAR ↗ |
| 31 | KeyBank | 1 | KeyCorp says its technology leader pivoted in 2025 to focus on the impact and opportunity of AI for the company. (Form DEF 14A, proxy, filed Mar 27, 2026) | 1 filing | Mar 27, 2026 | KeyBank · in their words → | SEC EDGAR ↗ |
| 32 | Zions | 1 | Zions cites deployment of innovative AI and digital capabilities among its major technology initiatives progress. (Form DEF 14A, proxy, filed Mar 19, 2026) | 1 filing | Mar 19, 2026 | Zions · in their words → | SEC EDGAR ↗ |
| 33 | Renasant | 1 | Renasant says it is developing strategies to deploy AI and leverage data from its daily operations, supported by a director's AI expertise. (Form DEF 14A, proxy, filed Mar 18, 2026) | 1 filing | Mar 18, 2026 | Renasant · in their words → | SEC EDGAR ↗ |
| 34 | Bank of Hawaii | 1 | The company credits an executive with implementing an AI initiative to raise efficiency and reduce cost in 2025. (Form DEF 14A, proxy, filed Mar 13, 2026) | 1 filing | Mar 13, 2026 | Bank of Hawaii · in their words → | SEC EDGAR ↗ |
| 35 | Huntington | 1 | Huntington says it continued investing in digital capabilities and deploying AI implementations during 2025. (Form DEF 14A, proxy, filed Mar 12, 2026) | 1 filing | Mar 12, 2026 | Huntington · in their words → | SEC EDGAR ↗ |
| 36 | M&T | 1 | M&T says it encouraged responsible innovation, including expanded use of data science and AI, to stay competitive and regulatory ready. (Form DEF 14A, proxy, filed Mar 10, 2026) | 1 filing | Mar 10, 2026 | M&T · in their words → | SEC EDGAR ↗ |
| 37 | Pinnacle | 1 | The company lists investing in the bank of the future through automation, artificial intelligence, digital applications and analytics as one of its current strategic… (Form 8-K, 8-K exhibit, filed Mar 2, 2026) | 1 filing | Mar 2, 2026 | Pinnacle · in their words → | SEC EDGAR ↗ |
| 38 | NBT | 1 | NBT expects continued heavy AI and infrastructure investment to be a primary driver of business investment and growth in 2026. (Form 10-K, MD&A, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | NBT · in their words → | SEC EDGAR ↗ |
| 39 | Hilltop | 1 | Hilltop says it has begun or plans significant technology investments across all segments to stay competitive and efficient. (Form 10-K, risk factors, filed Feb 13, 2026) | 1 filing | Feb 13, 2026 | Hilltop · in their words → | SEC EDGAR ↗ |
| 40 | Atlantic Union | 1 | Atlantic Union says rapid AI growth cannot be ignored, so it will thoughtfully pursue AI as a strategic priority. (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 investment and strategy. Score = such quotes; ties by distinct filings, then the newest filing.
Counts: 49 of 141 profiled banks qualify; the table shows the top 40; 65 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?
State Street leads with 10 filing quotes: State Street lists AI-enabled transformation among its strategic growth initiatives alongside alternatives, digital assets and wealth tech. (Form 8-K, 8-K exhibit, filed Oct 14, 2026). FNB is second with 8.
How many large banks describe AI investment in SEC filings?
49 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 investment and strategy. 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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