# Which large banks mention large language models in their SEC filings? Source: https://www.bankingnewsai.com/banks/leaders/large-language-models-in-filings Last updated: Oct 31, 2026 Checked 2026-10-31 · SEC EDGAR filings dataset. Nothing on this page is written by a model: every row is computed from that dataset. On the public record as of Oct 31, 2026, 8 of the 141 large banks profiled mention large language models in a verbatim statement in an SEC filing. Ranked by quotes (filings), the top 5 are First Financial Bank (4 filing quotes), Citizens (2 filing quotes), BNY (1 filing quote), Atlantic Union (1 filing quote) and JPMorgan (1 filing quote). First Financial Bank's strongest evidence: 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). ## Which of the large banks mention large language models in their SEC filings? | # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources | | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | 4 | 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) | 2 filings | Feb 19, 2026 | [First Financial Bank · in their words](https://www.bankingnewsai.com/banks/first-financial-ohio#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm); [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/708955/000070895525000012/ffbc-20241231.htm) | | 2 | [Citizens](https://www.bankingnewsai.com/banks/citizens) | 2 | 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) | 2 filings | Apr 16, 2026 | [Citizens · in their words](https://www.bankingnewsai.com/banks/citizens#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/a1q26earningspresentatio.htm); [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/759944/000075994425000013/cfg-20241231.htm) | | 3 | [BNY](https://www.bankingnewsai.com/banks/bny-mellon) | 1 | BNY says its model risk framework covers AI and large language model use cases and is part of a broader cross-functional AI risk management framework. (Form 10-K, MD&A, filed Feb 25, 2026) | 1 filing | Feb 25, 2026 | [BNY · in their words](https://www.bankingnewsai.com/banks/bny-mellon#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1390777/000139077726000033/bk-20251231_d2.htm) | | 4 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | 1 | Atlantic Union plans to use large language model tools like ChatGPT or Copilot to drive business value, focusing on employee productivity and customers. (Form 8-K, 8-K exhibit, filed Dec 10, 2025) | 1 filing | Dec 10, 2025 | [Atlantic Union · in their words](https://www.bankingnewsai.com/banks/atlantic-union#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm) | | 5 | [JPMorgan](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 1 | JPMorgan reports over 200,000 users of its LLM Suite, about 100 GenAI solutions in production, and 40,000+ engineers using AI coding assistants. (Form 8-K, 8-K exhibit, filed May 19, 2025) | 1 filing | May 19, 2025 | [JPMorgan · in their words](https://www.bankingnewsai.com/banks/jpmorgan-chase#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/19617/000001961725000483/investordaypresentation.htm) | | 6 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | 1 | First Interstate says it must keep pace with evolving AI regulation and notes various current and proposed US AI frameworks. (Form 10-K, risk factors, filed Feb 28, 2025) | 1 filing | Feb 28, 2025 | [First Interstate · in their words](https://www.bankingnewsai.com/banks/first-interstate#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/860413/000086041325000022/fibk-20241231.htm) | | 7 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | 1 | Fifth Third says its AI-powered digital assistant Jeanie handles about 200K customer interactions per month using large language models. (Form 8-K, 8-K exhibit, filed Apr 16, 2024) | 1 filing | Apr 16, 2024 | [Fifth Third · in their words](https://www.bankingnewsai.com/banks/fifth-third#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/35527/000003552724000117/a2024asmpresentation.htm) | | 8 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | 1 | Busey says emerging risks from generative AI and large language models are evolving rapidly as the technology and regulation develop. (Form 10-K, risk factors, filed Feb 23, 2024) | 1 filing | Feb 23, 2024 | [Busey Bank · in their words](https://www.bankingnewsai.com/banks/busey#words) | [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/314489/000031448924000054/buse-20231231.htm) | ## 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 "large language model" or "LLM". Score = such quotes. Counts: 8 of 141 profiled banks qualify; 10 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. ## FAQ ### Which bank ranks first? First Financial Bancorp leads with 4 filing quotes: 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). Citizens is second with 2. ### How many large banks mention LLMs in SEC filings? 8 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 8 are US banks and 0 non-US groups. ### What counts, and what does not? Quotes whose verbatim text contains "large language model" or "LLM". Score = such quotes. 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. ## Related questions - [Which large banks mention generative AI in their SEC filings?](https://www.bankingnewsai.com/banks/leaders/generative-ai-in-filings) - [Which large banks mention agentic AI or AI agents in their SEC filings?](https://www.bankingnewsai.com/banks/leaders/agentic-ai-in-filings) - [Which large banks name AI as a risk factor in their 10-K?](https://www.bankingnewsai.com/banks/leaders/ai-risk-factor-in-10-k) - [Which large banks discuss AI model risk in their SEC filings?](https://www.bankingnewsai.com/banks/leaders/model-risk-in-filings) - [Which large banks describe AI governance or board oversight in their proxy statements?](https://www.bankingnewsai.com/banks/leaders/ai-governance-in-proxy-statements) - [Which large banks say the most about AI in their SEC filings?](https://www.bankingnewsai.com/banks/leaders/most-ai-statements-in-filings) - [Which large banks describe AI investment and strategy in their SEC filings?](https://www.bankingnewsai.com/banks/leaders/ai-investment-in-filings) - [Which large banks describe how they use AI in their SEC filings?](https://www.bankingnewsai.com/banks/leaders/ai-use-in-filings) - [All ranked answers](https://www.bankingnewsai.com/banks/leaders) --- Canonical page: https://www.bankingnewsai.com/banks/leaders/large-language-models-in-filings Part of [BankingNewsAI](https://www.bankingnewsai.com/) — a free daily brief on AI in banking, an AI regulation tracker (45 authorities, 260 documents) and AI-strategy profiles of the 120 largest US banks. Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.