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, 67 of the 141 large banks profiled have a verbatim filing statement about how AI is used in the business. Ranked by quotes (filings), the top 5 are Fifth Third (12 filing quotes), Regions (11 filing quotes), Wells Fargo (8 filing quotes), Customers Bank (8 filing quotes) and BNY (8 filing quotes). Fifth Third's strongest evidence: Fifth Third says its Jeanie app was named Best Chatbot by Tearsheet AI Innovation Awards. (Form 8-K, 8-K exhibit, filed Oct 19, 2026).
141 banks profiled (120 US, 21 non-US) · 67 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks describe how they use AI in their SEC filings?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Fifth Third | 12 | Fifth Third says its Jeanie app was named Best Chatbot by Tearsheet AI Innovation Awards. (Form 8-K, 8-K exhibit, filed Oct 19, 2026) | 9 filings | Oct 19, 2026 | Fifth Third · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | Regions | 11 | Regions says its Copilots tools were deployed to over 12,000 associates and that it launched its ATLAS governed generative AI platform in 4Q 2025. (Form 8-K, 8-K exhibit, filed Aug 7, 2026) | 9 filings | Aug 7, 2026 | Regions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | Wells Fargo | 8 | Wells Fargo says it advanced its GenAI capabilities, built platforms, deployed several new tools and improved adoption and literacy through training. (Form DEF 14A, proxy, filed Mar 18, 2026) | 7 filings | Mar 18, 2026 | Wells Fargo · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | Customers Bank | 8 | Customers Bancorp notes its reported AI hours-saved figures are self-reported employee survey estimates rather than validated measurements. (Form 8-K, 8-K exhibit, filed Oct 22, 2026) | 5 filings | Oct 22, 2026 | Customers Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | BNY | 8 | BNY says it is building applied AI solutions into its workflows across the entire company on a foundation of prior investments. (Form 8-K, 8-K exhibit, filed Jul 15, 2026) | 5 filings | Jul 15, 2026 | BNY · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | Citizens | 7 | Citizens is incorporating LLM functionality into call center operations, targeting about 25% of calls handled without human interaction by year-end 2026. (Form 8-K, 8-K exhibit, filed Apr 16, 2026) | 6 filings | Apr 16, 2026 | Citizens · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | BofA | 7 | Bank of America says its Erica AI technology has been integrated into CashPro Chat, a client-facing banking chat channel, since August 2023. (Form 8-K, 8-K exhibit, filed Oct 14, 2026) | 5 filings | Oct 14, 2026 | BofA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | State Street | 7 | State Street expects modern AI tools to drive a 30-40% increase in developer productivity. (Form 8-K, 8-K exhibit, filed Jul 16, 2026) | 5 filings | Jul 16, 2026 | State Street · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | PNC | 7 | 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) | 5 filings | Mar 11, 2026 | PNC · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | Citi | 7 | Citi says it uses AI embedded in its platform to forecast liquidity, detect risk earlier, optimize funding and help clients make decisions. (Form DEF 14A, proxy, filed Apr 2, 2026) | 4 filings | Apr 2, 2026 | Citi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | Amex | 6 | Amex says it announced Resy integrations with OpenAI and released an Intent Intelligence framework for trusted agentic commerce. (Form 8-K, 8-K exhibit, filed Oct 23, 2026) | 6 filings | Oct 23, 2026 | Amex · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | SouthState | 6 | SouthState says its GenAI knowledge assistant, launched in early 2025, answers over 1,800 policy and procedure questions per day. (Form 8-K, 8-K exhibit, filed Oct 21, 2026) | 5 filings | Oct 21, 2026 | SouthState · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | Axos Bank | 6 | Axos describes target Arc as offering AI-powered financial software alongside cash management and capital markets services for businesses. (Form 8-K, 8-K exhibit, filed Jul 7, 2026) | 5 filings | Jul 7, 2026 | Axos Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | JPMorgan | 5 | JPMorgan says it deploys cutting-edge AI and ML technology firmwide to raise productivity and client experience. (Form DEF 14A, proxy, filed Apr 6, 2026) | 4 filings | Apr 6, 2026 | JPMorgan · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | Bread Financial | 4 | Bread Financial says it implemented Spark, a generative AI digital assistant, to improve customer service. (Form DEF 14A, proxy, filed Apr 7, 2026) | 4 filings | Apr 7, 2026 | Bread Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | FirstBank | 4 | FB Financial says its use of AI is limited and it does not rely on AI for core banking activities like credit decisions or pricing. (Form 10-K, risk factors, filed Feb 26, 2026) | 3 filings | Feb 26, 2026 | FirstBank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | Synchrony | 3 | Synchrony says it integrated CareCredit financing into Vetspire's AI-enabled veterinary practice management platform. (Form 8-K, 8-K exhibit, filed Oct 20, 2026) | 3 filings | Oct 20, 2026 | Synchrony · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | M&T | 3 | M&T says all of its developers use AI to speed up software development and productivity in key engineering activities. (Form 8-K, 8-K exhibit, filed Oct 16, 2026) | 3 filings | Oct 16, 2026 | M&T · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | FNB | 3 | FNB says its Director of AI and Innovation works with governance committees to evaluate and deploy AI tools under its policies. (Form DEF 14A, proxy, filed Mar 25, 2026) | 3 filings | Mar 25, 2026 | FNB · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 20 | SoFi | 3 | SoFi says it began integrating AI into members' experience and launched an AI-driven cash utilization recommendation feature in 2025. (Form 10-K, risk factors, filed Feb 17, 2026) | 3 filings | Feb 17, 2026 | SoFi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 21 | Northern Trust | 3 | Northern Trust says expanded digital and AI tools improved workflow efficiency and service quality, supporting its 2025 productivity savings. (Form DEF 14A, proxy, filed Mar 11, 2026) | 2 filings | Mar 11, 2026 | Northern Trust · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 22 | Santander US | 3 | Santander says it uses AI and explores more uses, while warning third-party AI could cause false information, inefficiencies, liability and reputational harm. (Form 10-K, risk factors, filed Mar 2, 2026) | 2 filings | Mar 2, 2026 | Santander US · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 23 | WesBanco | 3 | WesBanco ties its digital modernization, including cloud architecture, to reduced manual activities and a more efficient processing cost structure. (Form 8-K, 8-K exhibit, filed Sep 2, 2025) | 2 filings | Sep 2, 2025 | WesBanco · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 24 | Beacon Bank | 3 | Beacon previously originated loans via Upstart's AI underwriting partnership, suspended in mid-2022, with a $7 million remaining portfolio at year-end 2024. (Form 10-K, business, filed Mar 3, 2025) | 2 filings | Mar 3, 2025 | Beacon Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 25 | Morgan Stanley | 2 | Morgan Stanley says AI adoption is supporting active capital markets and improved investor sentiment in the second quarter of 2026. (Form 10-Q, MD&A, filed Aug 4, 2026) | 2 filings | Aug 4, 2026 | Morgan Stanley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 26 | OceanFirst | 2 | OceanFirst says it has deployed conversational AI across its omni-channel platform to improve customer experience and lower cost-to-serve. (Form 8-K, 8-K exhibit, filed Jul 31, 2026) | 2 filings | Jul 31, 2026 | OceanFirst · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 27 | Valley | 2 | Valley says associates have role-appropriate AI tools backed by an AI leadership team reporting to its Head of Data & Analytics. (Form 8-K, 8-K exhibit, filed Apr 23, 2026) | 2 filings | Apr 23, 2026 | Valley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 28 | Banc of California | 2 | Banc of California says AI-enabled tools support credit analysis, portfolio monitoring, fraud prevention and operational workflows. (Form DEF 14A, proxy, filed Mar 26, 2026) | 2 filings | Mar 26, 2026 | Banc of California · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 29 | Eastern Bank | 2 | Eastern Bank says it embedded AI into key systems and processes and enabled broad employee usage. (Form DEF 14A, proxy, filed Mar 26, 2026) | 2 filings | Mar 26, 2026 | Eastern Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 30 | Goldman | 2 | Goldman says a senior executive oversees automation and AI efforts across the firm as part of operating efficiency initiatives. (Form DEF 14A, proxy, filed Mar 20, 2026) | 2 filings | Mar 20, 2026 | Goldman · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 31 | Zions | 2 | Zions says it established the Innovate2Optimize program to build risk management solutions using AI. (Form DEF 14A, proxy, filed Mar 19, 2026) | 2 filings | Mar 19, 2026 | Zions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 32 | Truist | 2 | Truist says it implements AI to support strategic priorities and business and risk processes, backed by stronger governance and teammate training. (Form DEF 14A, proxy, filed Mar 16, 2026) | 2 filings | Mar 16, 2026 | Truist · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 33 | Bank of Hawaii | 2 | Bank of Hawaii says it rolled out AI-driven solutions and expanded Microsoft Copilot access to all employees. (Form DEF 14A, proxy, filed Mar 13, 2026) | 2 filings | Mar 13, 2026 | Bank of Hawaii · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 34 | First Hawaiian | 2 | First Hawaiian says it and its vendors or counterparties have developed or incorporated AI into business processes, services or products, creating risks and challenges. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | First Hawaiian · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 35 | First Horizon | 2 | First Horizon says it is accelerating its data capabilities and responsible use of AI to deliver client and associate outcomes. (Form 10-K, risk factors, filed Feb 26, 2026) | 2 filings | Feb 26, 2026 | First Horizon · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 36 | Prosperity | 2 | Prosperity says it and its vendors may use AI and machine learning to improve customer service, products, and automate business and risk decisions. (Form 10-K, risk factors, filed Feb 26, 2026) | 2 filings | Feb 26, 2026 | Prosperity · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 37 | Busey Bank | 2 | Busey says it uses AI-powered tools to add layers of fraud and threat detection. (Form 10-K, risk factors, filed Feb 26, 2026) | 2 filings | Feb 26, 2026 | Busey Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 38 | Stifel Bank | 2 | Stifel says it uses, develops and incorporates AI, machine learning and generative AI into its technology platform and services. (Form 10-K, risk factors, filed Feb 24, 2026) | 2 filings | Feb 24, 2026 | Stifel Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 39 | BOK Financial | 2 | BOK Financial says it is evaluating and selectively deploying AI, machine learning and generative AI into its business. (Form 10-K, risk factors, filed Feb 18, 2026) | 2 filings | Feb 18, 2026 | BOK Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 40 | Raymond James | 2 | Raymond James says it integrates AI tools into its advisor platform to reduce advisors' administrative workload. (Form 8-K, 8-K exhibit, filed Jun 5, 2025) | 2 filings | Jun 5, 2025 | Raymond James · 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 classified as AI use or customer-facing AI. Score = such quotes; ties by distinct filings, then the newest filing.
Counts: 67 of 141 profiled banks qualify; the table shows the top 40; 80 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?
Fifth Third Bancorp leads with 12 filing quotes: Fifth Third says its Jeanie app was named Best Chatbot by Tearsheet AI Innovation Awards. (Form 8-K, 8-K exhibit, filed Oct 19, 2026). Regions is second with 11.
How many large banks describe AI use in SEC filings?
67 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 use or customer-facing AI. 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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