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Key Findings
+ Cybersecurity (92%) tops respondents’ risk concerns, followed by fraud (79%), credit risk (60%) and strategic risk (42%). + More than half of executives and board members believe their bank could take more strategic risk. + Executives rank sophisticated scams targeting their customers (84%) and their bank or employees (77%) among the top risks artificial intelligence could pose to their institution. Far fewer — 38% — cite competitive pressures from other financial institutions. + Commercial real estate remains a point of concern for the industry. Twenty-seven percent worry about the credit quality of CRE loans in their portfolio, and 38%…
The second Trump administration has promised — and generally delivered on — a more lenient regulatory environment for banks, but that environment has also increased competitive pressures on the industry. Directors and executives taking part in Bank Director’s 2026 Risk Survey, sponsored by Baker Tilly, express more concern about strategic risk as anxieties about regulatory risk recede. Forty-two percent of survey respondents rank strategic risk as a top area of concern in 2026, up from 30% who said as much a year ago. Additionally, 53% believe their bank could take more strategic risk. It’s easy to see why. If the…
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WRITTEN BY
Laura Alix
Director of Research
Laura Alix is the Director of Research at Bank Director, where she collaborates on strategic research for bank directors and senior executives, including Bank Director’s annual surveys. She also writes for BankDirector.com and edits online video content. Laura is particularly interested in workforce management and retention strategies, environmental, social and governance issues, and fraud. She has previously covered national and regional banks for American Banker and community banks and credit unions for Banker & Tradesman. Based in Boston, she has a bachelor’s degree from the University of Connecticut and a master’s degree from CUNY Brooklyn College.