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, 103 of the 141 large banks profiled have at least one verbatim AI statement in an SEC filing in the dataset. Ranked by quotes (filings), the top 5 are State Street (38 filing quotes), BNY (37 filing quotes), Regions (34 filing quotes), Wells Fargo (33 filing quotes) and JPMorgan (30 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) · 103 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks say the most about AI in their SEC filings?
| # | Bank | Quotes (filings) | Latest statement (extractor's one-line claim) | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | State Street | 38 | 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) | 19 filings | Oct 14, 2026 | State Street · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 2 | BNY | 37 | BNY warns that AI-enhanced cyber threats could challenge the effectiveness of its cybersecurity measures and controls. (Form 10-Q, other, filed Jul 31, 2026) | 14 filings | Jul 31, 2026 | BNY · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 3 | Regions | 34 | 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) | 14 filings | Aug 7, 2026 | Regions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 4 | Wells Fargo | 33 | Wells Fargo says its data shows customers are doing well despite economic uncertainty, citing AI infrastructure investment as a positive economic force. (Form 8-K, 8-K exhibit, filed Oct 13, 2026) | 11 filings | Oct 13, 2026 | Wells Fargo · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 5 | JPMorgan | 30 | JPMorgan says its market risk models are inherently imprecise and may be less reliable during sudden or severe market shifts. (Form 10-Q, other, filed May 1, 2026) | 9 filings | May 1, 2026 | JPMorgan · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 6 | Zions | 29 | Zions lists adoption and integration of AI among emerging technology risks that could affect its results. (Form 10-Q, MD&A, filed Aug 6, 2026) | 11 filings | Aug 6, 2026 | Zions · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 7 | Goldman | 28 | Goldman has a Firmwide Artificial Intelligence Risk Committee overseeing AI-use risks, co-chaired by its CIO and chief risk officer. (Form 10-Q, MD&A, filed Aug 3, 2026) | 14 filings | Aug 3, 2026 | Goldman · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 8 | Citi | 27 | Citi's credit loss reserve qualitative adjustments account for risks from AI to vulnerable sectors that the quantitative model does not fully capture. (Form 10-Q, MD&A, filed May 7, 2026) | 8 filings | May 7, 2026 | Citi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 9 | Fifth Third | 26 | 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) | 13 filings | Oct 19, 2026 | Fifth Third · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 10 | Amex | 26 | 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) | 12 filings | Oct 23, 2026 | Amex · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 11 | Customers Bank | 25 | Customers Bancorp says AI-driven automation has shifted staff time from manual processing to clients while per-employee revenue, profit and assets rise. (Form 8-K, 8-K exhibit, filed Oct 22, 2026) | 11 filings | Oct 22, 2026 | Customers Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 12 | PNC | 25 | PNC names a sudden reversal in AI-related sentiment as a risk to its growth and inflation outlook, with knock-on effects on capex and consumer spending. (Form 10-Q, MD&A, filed Aug 5, 2026) | 8 filings | Aug 5, 2026 | PNC · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 13 | Huntington | 24 | Huntington has a dedicated Artificial Intelligence Risk Committee among its management committees overseeing risk. (Form 10-Q, MD&A, filed Jul 28, 2026) | 12 filings | Jul 28, 2026 | Huntington · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 14 | BofA | 24 | 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) | 10 filings | Oct 14, 2026 | BofA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 15 | Bread Financial | 24 | 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) | 8 filings | Oct 22, 2026 | Bread Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 16 | Capital One | 23 | 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) | 7 filings | Mar 25, 2026 | Capital One · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 17 | SouthState | 22 | 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) | 10 filings | Oct 21, 2026 | SouthState · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 18 | Ally | 22 | Ally says frontier and emerging AI models are rapidly raising the speed, scale, and complexity of cyber threats across financial services. (Form 10-Q, MD&A, filed Jul 23, 2026) | 6 filings | Jul 23, 2026 | Ally · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 19 | Valley | 21 | Valley uses machine-learning models to segment risk and identify wire fraud, reducing false positives in AML alert review. (Form 8-K, 8-K exhibit, filed Oct 22, 2026) | 8 filings | Oct 22, 2026 | Valley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 20 | Citizens | 21 | 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) | 8 filings | Apr 16, 2026 | Citizens · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 21 | U.S. Bank | 21 | 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) | 6 filings | Mar 10, 2026 | U.S. Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 22 | FNB | 20 | 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) | 10 filings | Jul 17, 2026 | FNB · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 23 | Truist | 20 | Truist says its Model Risk Oversight unit independently validates all decision models, including trading market risk models. (Form 10-Q, MD&A, filed May 1, 2026) | 6 filings | May 1, 2026 | Truist · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 24 | BOK Financial | 19 | BOK Financial says its Model Risk Management unit enforces model governance and can require remediation or restrict model usage. (Form 10-Q, MD&A, filed Aug 4, 2026) | 7 filings | Aug 4, 2026 | BOK Financial · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 25 | Synchrony | 18 | 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) | 8 filings | Oct 20, 2026 | Synchrony · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 26 | Northern Trust | 17 | 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) | 5 filings | Mar 11, 2026 | Northern Trust · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 27 | First Hawaiian | 16 | The company represents it maintains reasonable technical safeguards and written policies governing employee and contractor use of generative AI tools, complied with in… (Form 8-K, 8-K exhibit, filed Jul 15, 2026) | 7 filings | Jul 15, 2026 | First Hawaiian · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 28 | Renasant | 16 | Renasant lists sophisticated attacks using AI as a source of increased cybersecurity risk that could cause breaches or financial losses. (Form 8-K, 8-K exhibit, filed Jul 28, 2026) | 6 filings | Jul 28, 2026 | Renasant · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 29 | Busey Bank | 16 | Busey cites technological changes, including AI tools from it and its third-party vendors, as a factor that could cause unforeseen consequences for the company and its… (Form 8-K, 8-K exhibit, filed Apr 28, 2026) | 6 filings | Apr 28, 2026 | Busey Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 30 | HSBC USA | 16 | HSBC USA says new technologies including AI could force it to spend more to adapt products to retain customers. (Form 10-K, risk factors, filed Feb 25, 2026) | 5 filings | Feb 25, 2026 | HSBC USA · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 31 | Community Bank N.A. | 15 | 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) | 7 filings | May 8, 2026 | Community Bank N.A. · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 32 | KeyBank | 15 | KeyCorp's board committee reviews and approves technology strategy and investments, including those related to AI. (Form DEF 14A, proxy, filed Mar 27, 2026) | 5 filings | Mar 27, 2026 | KeyBank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 33 | Webster | 15 | Webster says bad actors using AI to commit fraud and cyber-attacks is a risk that could hinder its prevention and detection efforts. (Form 10-K, risk factors, filed Feb 27, 2026) | 4 filings | Feb 27, 2026 | Webster · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 34 | Axos Bank | 14 | Axos says bad actors' use of AI exposes it to fraud, fund misappropriation, and cyberattack risks. (Form 10-K, risk factors, filed Aug 20, 2026) | 7 filings | Aug 20, 2026 | Axos Bank · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 35 | SoFi | 14 | SoFi warns that threat actors increasingly use AI to scale and speed up their cyberattacks. (Form 10-Q, other, filed Aug 6, 2026) | 6 filings | Aug 6, 2026 | SoFi · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 36 | Morgan Stanley | 14 | 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) | 6 filings | Aug 4, 2026 | Morgan Stanley · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 37 | Raymond James | 14 | Raymond James says its Board receives educational sessions that have included advances in artificial intelligence and related technologies. (Form DEF 14A, proxy, filed Jan 7, 2026) | 5 filings | Jan 7, 2026 | Raymond James · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 38 | Western Alliance | 13 | 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) | 6 filings | May 12, 2026 | Western Alliance · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 39 | Glacier | 13 | Glacier says rapidly evolving AI presents ethical and legal challenges and may diminish brand trust and cause reputational harm. (Form 10-K, risk factors, filed Feb 25, 2026) | 5 filings | Feb 25, 2026 | Glacier · in their words → | SEC EDGAR ↗ · SEC EDGAR ↗ |
| 40 | Seacoast Bank | 13 | Seacoast flags risks and costs from developing and using AI and emerging technologies, including data privacy, model accuracy, and regulatory compliance. (Form 10-Q, MD&A, filed Aug 4, 2026) | 4 filings | Aug 4, 2026 | Seacoast Bank · 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: Every quote in the dataset. Score = quotes; ties by distinct filings, then the newest filing.
Counts: 103 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?
State Street leads with 38 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). BNY is second with 37.
How many large banks make AI statements in SEC filings?
103 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?
Every quote in the dataset. Score = 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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