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latest · pulse · Oct 2, 2026 · 3 min · AiBI Research Desk

State examiners now have an AI playbook. You can read it too.

CSBS published the framework state examiners will use to review AI at state-chartered institutions — including the scoping questions and the document request list.

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pulse · Oct 1, 2026 · 3 minThe FS AI RMF is the framework your examiners are reading.Treasury's Financial Services AI Risk Management Framework is non-binding — which is exactly why it's worth reading before your next exam, not after.essay · Apr 12, 2026 · 14 minAI governance without the jargon.Five regulatory frameworks govern AI use at community banks today. Here is what each one actually means for your daily work — no law degree required.essay · Apr 8, 2026 · 16 minSix ways AI fails in banking — and what to do about each one.The AIEOG AI Lexicon defines hallucination as factually incorrect output presented with apparent confidence. Six patterns surface specifically in banking.essay · Apr 4, 2026 · 13 minThe skill, not the prompt.Prompting is a one-time act. A skill is a persistent, repeatable, institution-grade instruction. Here is why the distinction matters for community banks.essay · Mar 27, 2026 · 11 minWhat your efficiency ratio is hiding.Community banks run at ~65% efficiency vs. ~55.7% industry-wide. The gap isn't capability — it's where the capability lives. AI is the lever that surfaces both.essay · Mar 21, 2026 · 9 minMembers will switch. The question is to whom.84% would switch FIs for AI-driven financial insights. 76% would switch banks for one that better meets their needs. Reading the consumer survey data against community-bank retention.essay · Mar 14, 2026 · 8 minThe widening AI gap.Top-25 banks moved from "AI exploration" to "AI deployment" in 2025. Community institutions are still in deck-review. The gap isn't time — it's posture.
Briefings — The AI Banking Institute