What banks said about AI this quarter
Q3 2026 earnings season. Updated 16 Oct 2026. During earnings season this page is updated every day; outside it, it shows the last completed quarter.
12 of 36 banks (33%) mention AI in their earnings materials, compared with 38 of 256 (15%) in Q2 2026.
How to read this
- What this shows
- How many banks that have reported results for Q3 2026 mention AI in their earnings releases and investor presentations.
- What it means
- 12 of 36 banks (33%) mention AI in their earnings materials, compared with 38 of 256 (15%) in Q2 2026.
- How to read it
- A bank counts when its earnings materials say something about AI beyond a legal notice.
- Where it comes from
- Banks' earnings releases and investor presentations filed with the SEC (8-K), up to 16 Oct 2026.
New since their annual report
29 new statements. The most specific are listed first.
How to read this
- What this shows
- Statements about AI in this quarter's earnings materials that are not in the bank's latest annual report.
- What it means
- 29 new statements. The most specific are listed first.
- How to read it
- Each quote is copied exactly from the release or slide. Follow the link to read it in context.
- Where it comes from
- Banks' earnings releases and investor presentations filed with the SEC (8-K), up to 16 Oct 2026.
Our disciplined investments in AI are helping teammates serve clients better, work faster and manage risk more effectively. With more than 200,000 teammates using AI tools and 300-plus approved use cases across the company
41.1K interactions with CashPro® Chat, supported by Erica® technology
Introduced Charley, a new AI-powered assistant that provides U.S. retail clients with conversational access to Schwab’s tools and insights
Live IN PRODUCTION · 1H 2026 ✓ Retail AI Assistant – internal use ✓ Human Resources AI Assistant ✓ Loan Review – streamlining production to focus effort on review and decisioning
Established Digital Innovation team ◦ In process: creation of AI governance model ◦ Mid-2026: develop high priority/high impact AI capabilities
Established Digital Innovation team ◦ In process: creation of AI governance model ◦ Mid-2026: develop high priority/high impact AI capabilities
Approximately 75% of employee base with access to AI tools • More than 150 employee-developed AI solutions demonstrate growing adoption of automation and analytics capabilities
Full roll out of AI branch coaching tool launched with over 16,000 practice simulations
AI branch coaching tool in pilot with over 2,500 practice simulations
• ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE – Personalized product and service offering anticipating customer needs rVoice – Integrated customer feedback aggregation & analysis
Copilots (GitHub, Microsoft) Deployed to over 12,000 Associates Intelligent Doc Processing Leveraging AI to proactively detect, prevent, and remediate cybersecurity threats Launched ATLAS in 4Q 2025
AI Enabled Focus on the Fundamentals 21 21 Customer Experience Employee Experience Risk Management Faster, more personalized customer interactions • Personalized financial insights help customers make smarter financial decisions • Predictive credit insights enable earlier engagement
AI USED TO SUPPORT ADVISORS AND ASSOCIATES, IMPROVE EFFICIENCY, AND ENHANCE THE CLIENT EXPERIENCE
Free up advisor time: AI, automation and process improvement reduce administrative friction and low-value tasks.
AI Scaling and Automation
Our proprietary data advantage is supported by sustained investment in enterprise data platforms, enabling scalable AI capabilities and faster insight generation, and supporting more differentiated advisor and client experiences.
AI as an enabler of the Advisor-Client relationship 91 BACK OFFICE • Efficiency • Automation • Cost leverage MIDDLE OFFICE • Smarter support • Helping advisors operate more effectively FRONT OFFICE • Hyper-personalization
Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth
Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities
Prioritize forward-looking initiatives including Artificial Intelligence, Data Strategy, Personalized Customer Experience, Finance Transformation, and Strategic Payments.
Tech and AI-enabled Transformation
Our development and completion of new products and services, including State Street Alpha® and those related to wealth servicing, alternative investment management or digital assets or incorporating artificial intelligence, may impose costs on us, involve dependencies on third parties and may
Advancing automation and AI initiatives to improve efficiency, reduce costs, and enhance scalability across loan operations, call center, and credit underwriting
continuing to invest in growth and prepare for an AI-driven future.
advancing our AI, technology and cybersecurity agenda, and attracting great talent.
Leverage technology & AI
AI is an enabler of the Advisor- Client relationship
AI and integrated platforms are becoming competitive differentiators
strong positive forces such as the investment in AI infrastructure, high employment levels and consistent wage growth continue to outweigh the risks
Who has reported
36 banks have reported; 12 mentioned AI.
How to read this
- What this shows
- Banks that have filed an earnings release for Q3 2026.
- What it means
- 36 banks have reported; 12 mentioned AI.
- How to read it
- Yes means the bank's earnings materials say something about AI.
- Where it comes from
- Banks' earnings releases and investor presentations filed with the SEC (8-K), up to 16 Oct 2026.
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What is an earnings releaseThe press release a bank publishes when it reports quarterly results, filed with the SEC as part of an 8-K.? What is an investor presentationSlides a bank shows investors, often with its results. Filed with the SEC as part of an 8-K.?