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, 66 of the 141 large banks profiled mention generative AI in a verbatim statement in an SEC filing. Ranked by quotes (filings), the top 5 are Citi (10 filing quotes), Capital One (10 filing quotes), Amex (7 filing quotes), Goldman (6 filing quotes) and PNC (6 filing quotes). Citi's strongest evidence: 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).
141 banks profiled (120 US, 21 non-US) · 66 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks mention generative AI in their SEC filings?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Citi | 10 | 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) | 6 filings | Apr 2, 2026 | Citi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | Capital One | 10 | Capital One says the Board's risk oversight covers generative AI as a notable emerging risk. (Form DEF 14A, proxy, filed Mar 25, 2026) | 6 filings | Mar 25, 2026 | Capital One · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | Amex | 7 | Amex cites advanced GenAI and agentic commerce initiatives, including Dining Companion, as strategic priorities tied to executive compensation. (Form DEF 14A, proxy, filed Mar 25, 2026) | 4 filings | Mar 25, 2026 | Amex · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | Goldman | 6 | Goldman says the Board and its Committees kept risks from deploying generative and agentic AI top of mind across their oversight. (Form DEF 14A, proxy, filed Mar 20, 2026) | 5 filings | Mar 20, 2026 | Goldman · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | PNC | 6 | 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) | 4 filings | Mar 11, 2026 | PNC · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | HSBC USA | 6 | HSBC USA says AI and machine learning models are a key focus of its model risk framework, with enhanced governance on generative AI. (Form 10-K, MD&A, filed Feb 19, 2025) | 2 filings | Feb 19, 2025 | HSBC USA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | Morgan Stanley | 5 | Morgan Stanley says its Cybersecurity Program is adjusted to address threats from generative AI as part of its ERM framework. (Form 10-K, MD&A, filed Feb 19, 2026) | 4 filings | Feb 19, 2026 | Morgan Stanley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | Busey Bank | 5 | Busey warns that failing to adopt or govern generative AI could hurt customer retention, competitiveness and efficiency gains. (Form 10-K, risk factors, filed Feb 26, 2026) | 3 filings | Feb 26, 2026 | Busey Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | Synchrony | 5 | Synchrony warns that generative AI may increase its fraud susceptibility, with perpetrators using AI to create convincing false identities and documents. (Form 10-K, MD&A, filed Feb 6, 2026) | 3 filings | Feb 6, 2026 | Synchrony · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | 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) | 3 filings | Apr 7, 2026 | Bread Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | Pinnacle | 3 | Pinnacle prohibits team members from using generative AI applications or inputting proprietary data into unauthorized apps unless internal governance approves it. (Form 10-Q, other, filed May 6, 2026) | 3 filings | May 6, 2026 | Pinnacle · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | First Citizens | 3 | First Citizens warns generative AI may produce incorrect outputs, leak confidential information, show bias, or infringe IP, and is hard to explain. (Form 10-K, risk factors, filed Feb 24, 2026) | 3 filings | Feb 24, 2026 | First Citizens · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | U.S. Bank | 3 | U.S. Bank says adopting generative AI and other new technologies requires substantial ongoing expense to adapt its systems, products and services. (Form 10-K, risk factors, filed Feb 23, 2026) | 3 filings | Feb 23, 2026 | U.S. Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | SouthState | 3 | SouthState says its internal AI use, including generative AI and machine learning, has increased efficiency and will continue expanding in line with its AI Strategy. (Form 10-K, risk factors, filed Feb 20, 2026) | 3 filings | Feb 20, 2026 | SouthState · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | Regions | 3 | Regions states its generative AI strategy is guided by human-in-the-loop design, managed risk and a secure AI platform, aiming for significant value.} (Form 8-K, 8-K exhibit, filed Aug 7, 2026) | 2 filings | Aug 7, 2026 | Regions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | Simmons Bank | 3 | Simmons says cyber-attacks increasingly use generative AI and deepfakes, making attacks harder to anticipate. (Form 10-Q, risk factors, filed May 6, 2026) | 2 filings | May 6, 2026 | Simmons Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | 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) | 2 filings | Apr 7, 2026 | Citizens Business Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | BofA | 3 | Bank of America says it strategically deployed generative AI tools company-wide under strong governance from an internal AI council. (Form DEF 14A, proxy, filed Mar 23, 2026) | 2 filings | Mar 23, 2026 | BofA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | BOK Financial | 3 | 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 ↗ |
| 20 | Axos Bank | 3 | Axos warns generative AI models may produce incorrect, biased, confidential-leaking or infringing output. (Form 10-K, risk factors, filed Aug 21, 2025) | 2 filings | Aug 21, 2025 | Axos Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 21 | Seacoast Bank | 3 | Seacoast warns generative AI models may produce incorrect, biased, privacy-breaching, infringing or otherwise harmful outputs. (Form 10-K, risk factors, filed Feb 25, 2025) | 2 filings | Feb 25, 2025 | Seacoast Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 22 | First Financial Bank | 3 | First Financial says customers, competitors and vendors are using AI, generative AI, LLMs and AI agents at rapidly increasing rates, raising risks to its business. (Form 10-K, risk factors, filed Feb 19, 2026) | 1 filing | Feb 19, 2026 | First Financial Bank · in their words → | SEC EDGAR ↗ |
| 23 | Northern Trust | 3 | Northern Trust warns generative AI can produce hallucinated, biased or inaccurate output that may be hard to detect. (Form 10-K, risk factors, filed Feb 24, 2025) | 1 filing | Feb 24, 2025 | Northern Trust · in their words → | SEC EDGAR ↗ |
| 24 | Hancock Whitney | 2 | The Board and Board Risk Committee have spent significant time overseeing management's efforts on growing technology risks, most recently generative AI use and… (Form DEF 14A, proxy, filed Mar 17, 2026) | 2 filings | Mar 17, 2026 | Hancock Whitney · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 25 | Rockland Trust | 2 | Independent Bank warns generative AI models may produce incorrect, biased, or harmful output and leak confidential information. (Form 10-K, risk factors, filed Feb 27, 2026) | 2 filings | Feb 27, 2026 | Rockland Trust · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 26 | Banner Bank | 2 | 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) | 2 filings | Feb 25, 2026 | Banner Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 27 | 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 ↗ |
| 28 | Wells Fargo | 2 | Wells Fargo plans to scale its investment in generative AI to drive more automation and better client service in 2026. (Form 8-K, 8-K exhibit, filed Jan 14, 2026) | 2 filings | Jan 14, 2026 | Wells Fargo · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 29 | WaFd Bank | 2 | WaFd warns generative or agentic AI models may produce incorrect, biased, privacy-breaching, infringing or harmful outputs or actions. (Form 10-K, business, filed Nov 18, 2025) | 2 filings | Nov 18, 2025 | WaFd Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 30 | Fifth Third | 2 | Fifth Third says generative models and AI may add operational risk considerations alongside third-party, data and cloud reliance. (Form 10-K, MD&A, filed Feb 24, 2025) | 2 filings | Feb 24, 2025 | Fifth Third · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 31 | Ally | 2 | 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) | 1 filing | Mar 18, 2026 | Ally · in their words → | SEC EDGAR ↗ |
| 32 | Renasant | 2 | Renasant says its development and use of AI, including generative and agentic AI, presents risks that may materially and adversely affect its business. (Form 10-K, risk factors, filed Mar 2, 2026) | 1 filing | Mar 2, 2026 | Renasant · in their words → | SEC EDGAR ↗ |
| 33 | Huntington | 2 | Huntington says the development and use of generative AI presents risks and challenges that may adversely affect its business. (Form 8-K, 8-K exhibit, filed Dec 1, 2025) | 1 filing | Dec 1, 2025 | Huntington · in their words → | SEC EDGAR ↗ |
| 34 | Banc of California | 2 | Banc of California says generative AI is increasing cybersecurity risk and making fraud detection, especially voice-based authentication, more difficult. (Form 10-K, risk factors, filed Mar 3, 2025) | 1 filing | Mar 3, 2025 | Banc of California · in their words → | SEC EDGAR ↗ |
| 35 | Schwab | 1 | Schwab warns that its generative AI output may be inaccurate, hallucinated, stale, or incomplete. (Form 8-K, 8-K exhibit, filed Jul 21, 2026) | 1 filing | Jul 21, 2026 | Schwab · in their words → | SEC EDGAR ↗ |
| 36 | Santander US | 1 | Santander warns threat actors could use generative AI for convincing phishing, deepfake fraud and faster, customized cyberattacks. (Form 10-K, risk factors, filed Mar 2, 2026) | 1 filing | Mar 2, 2026 | Santander US · in their words → | SEC EDGAR ↗ |
| 37 | Beacon Bank | 1 | Beacon says AI, including generative AI, could intensify competition and accelerate disruption in financial services. (Form 10-K, risk factors, filed Mar 2, 2026) | 1 filing | Mar 2, 2026 | Beacon Bank · in their words → | SEC EDGAR ↗ |
| 38 | Community Bank N.A. | 1 | The company has deployed machine learning and generative AI for security monitoring, threat detection, and faster incident triage. (Form 10-K, other, filed Feb 27, 2026) | 1 filing | Feb 27, 2026 | Community Bank N.A. · in their words → | SEC EDGAR ↗ |
| 39 | Atlantic Union | 1 | Atlantic Union warns generative AI could produce incorrect outputs, leak confidential information, reflect bias, or cause harm, and be hard to explain. (Form 10-K, risk factors, filed Feb 26, 2026) | 1 filing | Feb 26, 2026 | Atlantic Union · in their words → | SEC EDGAR ↗ |
| 40 | FirstBank | 1 | 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) | 1 filing | Feb 26, 2026 | FirstBank · 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 whose verbatim text contains "generative". Score = such quotes; ties by distinct filings, then the newest filing.
Counts: 66 of 141 profiled banks qualify; the table shows the top 40; 68 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?
Citigroup leads with 10 filing quotes: 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). Capital One is second with 10.
How many large banks mention generative AI in SEC filings?
66 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 whose verbatim text contains "generative". 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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