AI Readiness Assessment

A practical internal scorecard for community banks considering AI workflows, vendor tools, and governance controls.

AI Readiness Assessment

Score the bank across strategy, data, controls, use cases, staff, and vendor governance.

100%

NameEmailInstitutionRoleStateAsset SizePrimary Regulator

1. AI strategy and ownership

No formal owner or roadmapEarly discussion onlyOwner identified and priorities draftedBoard-aware roadmap with accountable owner

2. Data access and quality

Data is fragmented and manually reconciledCore reports are available but inconsistentKey datasets are mapped and reviewedReliable datasets support repeatable workflows

3. Model risk and compliance controls

No AI-specific controlsGeneral vendor review onlyDraft controls and review checkpointsDocumented controls with human review and audit trail

4. Use case clarity

No prioritized use casesSeveral ideas but no scoringUse cases ranked by value and riskPilot-ready use cases with success measures

5. Staff readiness

No AI training or policy awarenessLimited awareness among leadershipRole-based guidance is being draftedStaff have clear policies, training, and escalation paths

6. Vendor and tool governance

AI tools are not inventoriedKnown tools are reviewed informallyVendor questions include AI/data handlingAI vendor review is built into procurement and monitoring

OAKBRIDGE

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Carroll, Iowa

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