AI index slices · computed from bank profiles via the AI index; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 28, 2026, 21 of the 141 large banks profiled are US banks with consolidated assets between $100bn and $500bn. Ranked by AI index score (/100), the top 5 are Amex (93.2 index points), TD (91.6 index points), BNY (89.5 index points), Santander US (89.3 index points) and BMO (85.3 index points). Amex's strongest evidence: Index score 93.2/100: 13 of 24 use cases in production, platform Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection, 31 independent of 73 sources.
141 banks profiled (120 US, 21 non-US) · 21 with matching evidence · ranked answer, not a comparison
Which of the US banks with $100 billion to $500 billion in assets lead in AI?
| # | Bank | AI index score (/100) | Index components | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Amex | 93.2 | Index score 93.2/100: 13 of 24 use cases in production, platform Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection, 31 independent of 73 sources | AI programme disclosed | Oct 26, 2026 | Amex profile → | American Express ↗ · American Express via FT Markets ↗ |
| 2 | TD | 91.6 | Index score 91.6/100: 13 of 18 use cases in production, platform Layer 6 and TD AI Prism, 27 independent of 55 sources | AI programme disclosed | Oct 28, 2026 | TD profile → | TD Bank Group ↗ · TD Bank Group ↗ |
| 3 | BNY | 89.5 | Index score 89.5/100: 12 of 14 use cases in production, platform Eliza, 29 independent of 58 sources | AI programme disclosed | Oct 19, 2026 | BNY profile → | American Banker ↗ · BNY ↗ |
| 4 | Santander US | 89.3 | Index score 89.3/100: 11 of 16 use cases in production, platform ONE Transformation: shared platforms, AI for every employee, agentic commerce, 25 independent of 49 sources | AI programme disclosed | Oct 21, 2026 | Santander US profile → | Bloomberg ↗ · PYMNTS ↗ |
| 5 | BMO | 85.3 | Index score 85.3/100: 14 of 16 use cases in production, platform Lumi, Aura and the Institute for Applied AI & Quantum, 16 independent of 50 sources | AI programme disclosed | Oct 13, 2026 | BMO profile → | BMO ↗ · BMO AI Hub ↗ |
| 6 | Citizens | 85.0 | Index score 85.0/100: 10 of 20 use cases in production, platform CiZi and the cloud-native core, 25 independent of 50 sources | AI programme disclosed | Oct 13, 2026 | Citizens profile → | American Banker ↗ · American Banker ↗ |
| 7 | Fifth Third | 83.8 | Index score 83.8/100: 10 of 13 use cases in production, platform Jeanie and the Newline MCP server, 27 independent of 50 sources | AI programme disclosed | Oct 19, 2026 | Fifth Third profile → | Fifth Third ↗ · Fifth Third via FT Markets ↗ |
| 8 | Regions | 83.5 | Index score 83.5/100: 13 of 15 use cases in production, platform AI-driven banker platforms on a modernised stack, 22 independent of 45 sources | AI programme disclosed | Oct 16, 2026 | Regions profile → | PYMNTS ↗ · American Banker ↗ |
| 9 | Huntington | 83.3 | Index score 83.3/100: 15 of 17 use cases in production, platform Agentic process transformation, run from finance, 19 independent of 50 sources | AI programme disclosed | Oct 16, 2026 | Huntington profile → | Fortune ↗ · American Banker ↗ |
| 10 | HSBC USA | 81.8 | Index score 81.8/100: 7 of 16 use cases in production, platform The group AI programme: Google Cloud, Mistral and a central model platform, 18 independent of 53 sources | AI programme disclosed | Oct 19, 2026 | HSBC USA profile → | Banking Dive ↗ · Banking Dive ↗ |
| 11 | Ally | 80.9 | Index score 80.9/100: 10 of 14 use cases in production, platform Ally.ai and the Personas, 24 independent of 53 sources | AI programme disclosed | Oct 21, 2026 | Ally profile → | Ally Financial ↗ · American Banker ↗ |
| 12 | KeyBank | 79.9 | Index score 79.9/100: 10 of 16 use cases in production, platform Conversational AI in the contact centre and 'cognitive banking' in the app, 25 independent of 48 sources | AI programme disclosed | Oct 13, 2026 | KeyBank profile → | PYMNTS ↗ · Banking Dive ↗ |
| 13 | Northern Trust | 79.0 | Index score 79.0/100: 11 of 17 use cases in production, platform Open Semantic Interchange and the data foundation, 12 independent of 51 sources | AI programme disclosed | Oct 13, 2026 | Northern Trust profile → | Northern Trust ↗ · Northern Trust ↗ |
| 14 | M&T | 75.4 | Index score 75.4/100: 10 of 14 use cases in production, platform Microsoft Copilot on a data-lineage foundation, 18 independent of 37 sources | AI programme disclosed | Oct 19, 2026 | M&T profile → | American Banker ↗ · Fast Company ↗ |
| 15 | State Street | 75.2 | Index score 75.2/100: 9 of 14 use cases in production, platform State Street Alpha and the AI hiring build-out, 15 independent of 41 sources | AI programme disclosed | Oct 19, 2026 | State Street profile → | American Banker ↗ · Motley Fool (Yahoo Finance) ↗ |
| 16 | UBS (US) | 74.2 | Index score 74.2/100: 10 of 14 use cases in production, platform UBS Claves, the Chief AI Office and the 'Big Rocks', 21 independent of 35 sources | AI programme disclosed | Oct 13, 2026 | UBS (US) profile → | UBS ↗ · UBS ↗ |
| 17 | Morgan Stanley | 70.1 | Index score 70.1/100: 9 of 14 use cases in production, platform AI @ Morgan Stanley (Assistant, Debrief) and AskResearchGPT, 21 independent of 37 sources | AI programme disclosed | Oct 13, 2026 | Morgan Stanley profile → | Morgan Stanley ↗ · Morgan Stanley ↗ |
| 18 | Synchrony | 68.2 | Index score 68.2/100: 10 of 15 use cases in production, platform Synchrony GPT and the ChatGPT Enterprise rollout, 12 independent of 33 sources | AI programme disclosed | Oct 13, 2026 | Synchrony profile → | Synchrony ↗ · Synchrony (PR Newswire) ↗ |
| 19 | First Citizens | 67.1 | Index score 67.1/100: 12 of 14 use cases in production, platform An enterprise AI program being built, not bought, 11 independent of 32 sources | AI programme disclosed | Oct 19, 2026 | First Citizens profile → | First Citizens Bank ↗ · First Citizens Bank ↗ |
| 20 | Pinnacle | 65.5 | Index score 65.5/100: 9 of 12 use cases in production, platform A head of AI inside a banker-led model, 12 independent of 32 sources | AI programme disclosed | Oct 16, 2026 | Pinnacle profile → | American Banker ↗ · American Banker ↗ |
| 21 | USAA | 63.3 | Index score 63.3/100: 8 of 14 use cases in production, platform EagleGPT, 20 independent of 39 sources | AI programme disclosed | Oct 13, 2026 | USAA profile → | TechTarget ↗ · USAA ↗ |
Each row quotes one record from bank profiles via the AI index; 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 AI disclosure index (/banks/ai-index): eight components of the public record on AI (independent coverage, use cases in production, a named platform, own disclosures, moves in the last twelve months, numbers, leaders, use cases described), each a percentile rank; peer group: US banks with consolidated assets between $100bn and $500bn.
Rule: The peer group filtered from the index, in index order (score, then independent coverage, then assets). The score is the bank's percentile rank on each component against the full index set, weighted and summed; a bank that has disclosed no AI programme is capped at 30.
Counts: 21 of 141 profiled banks qualify; 42 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.
What are the caveats?
The index measures depth of the public record, not capability; a bank that builds quietly ranks below one that publishes.
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?
American Express leads with 93.2 index points: Index score 93.2/100: 13 of 24 use cases in production, platform Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection, 31 independent of 73 sources. TD is second with 91.6.
How many large banks with $100-500bn in assets rank on the AI index?
21 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 21 are US banks and 0 non-US groups.
What counts, and what does not?
The peer group filtered from the index, in index order (score, then independent coverage, then assets). The score is the bank's percentile rank on each component against the full index set, weighted and summed; a bank that has disclosed no AI programme is capped at 30. Source: the AI disclosure index (/banks/ai-index): eight components of the public record on AI (independent coverage, use cases in production, a named platform, own disclosures, moves in the last twelve months, numbers, leaders, use cases described), each a percentile rank; peer group: US banks with consolidated assets between $100bn and $500bn.
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 2026-10-28 (bank profiles via the AI index). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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