Review of Bank Director's 2026 Risk Survey

Bank Director has released their 2026 Risk Survey. Key findings from the survey include regulatory risk recedes, examiners are learning on the job, cybersecurity oversight, identifying cybersecurity gaps, credit risk concerns, and risk responsibility. Bank are feeling better about being overburdened by bank regulators. They also feel like new bank examiners are inexperienced. Less than 50% of bank board’s brought in an outside cybersecurity expert to learn from. 89% of banks did conduct a tabletop exercise of their cybersecurity incident response plan. Overall credit and commercial real estate were top concerns this year. 54% of banks surveyed employ a Chief Risk Officer (CRO). This episode reviewed an article from Bank Director titled “2026 Risk Survey: AI exposes threats, knowledge gaps” and the 2026 Risk Survey report. Links to both are included below. Link: 2026 Risk Survey: AI Exposes Threats, Knowledge Gaps | Bank Director Link: 2026-Risk-Report-Open.pdf