A bank with no branches holds as much of this shelf as Wells Fargo.
Why these three lead the shelf
1. Chasechosen 36× / 10.9% / 4/4 models
Named by all four models across 14 of the 17 questions. It is not winning any single question by a wide margin: it is present at almost every one, which is what breadth of coverage buys.
2. Bank of Americachosen 28× / 8.5% / 4/4 models
The same pattern one step down: every model, most questions. Both leaders are the banks a model can find written about in every context it was trained on.
3. Capital Onechosen 26× / 7.9% / 4/4 models
The smallest of the three institutions and level with the other two on the shelf, because it owns a specific question, credit cards, rather than competing for the general one.
About the AI Shelf
The AI Shelf is the short list of names an AI assistant gives when someone asks what to buy. ChatGPT, Claude, Gemini and Perplexity answer the questions a real buyer asks, and every brand they name lands on the shelf. Your customer sees it before they see yours, and nobody can pay for position on it.
Each time a model chooses a brand over every other brand it could have named, that counts once. 329 choices were made here. Slice size is share of all of them.
10.9%largest holding — Chase
44.1%held by the 10 audited banks
70institutions named in total
The takeaway
Presence here is not bought with branches. Chase and Bank of America lead on sheer coverage, but Ally, which has none, matches Wells Fargo, and the four regional banks hold 4.6% of the shelf between them.
In the current ARA IndexNot currently in the ARA Index — shaded by rank, darkest = chosen least often
All 70 institutions — the annotated ranking
#
Name
Chosen
Share
Models
Best
Δ
1
Chase
36
10.9%
4/4
#1
—
2
Bank of America
28
8.5%
4/4
#1
—
3
Capital One
26
7.9%
4/4
#1
—
4
Ally Bank
23
7.0%
4/4
#1
—
5
Wells Fargo
23
7.0%
4/4
#1
—
6
Discover
17
5.2%
4/4
#1
—
7
U.S. Bank
16
4.9%
4/4
#1
—
8
Citibank
10
3.0%
4/4
#1
—
9
SoFi
10
3.0%
2/4
#1
—
10
American Express
8
2.4%
3/4
#2
—
11
Chime
7
2.1%
3/4
#1
—
12
Navy Federal Credit Union
7
2.1%
2/4
#2
—
13
PNC
7
2.1%
4/4
#1
—
14
Axos Bank
5
1.5%
3/4
#3
—
15
Marcus by Goldman Sachs
5
1.5%
3/4
#1
—
16
Regions Bank
5
1.5%
3/4
#1
—
17
Alliant Credit Union
4
1.2%
2/4
#4
—
18
Bluevine
4
1.2%
2/4
#2
—
19
Charles Schwab
4
1.2%
2/4
#2
—
20
Huntington National Bank
4
1.2%
3/4
#3
—
21
Relay
4
1.2%
2/4
#1
—
22
Barclays
3
0.9%
3/4
#2
—
23
Mercury
3
0.9%
2/4
#3
—
24
Novo
3
0.9%
3/4
#5
—
25
Rocket Mortgage
3
0.9%
3/4
#3
—
26
Synchrony Bank
3
0.9%
3/4
#2
—
27
Truist
3
0.9%
3/4
#2
—
28
USAA
3
0.9%
1/4
#1
—
29
Vio Bank
3
0.9%
2/4
#2
—
30
Better
2
0.6%
2/4
#5
—
31
CIT Bank
2
0.6%
2/4
#1
—
32
First National Bank
2
0.6%
1/4
#5
—
33
Frost Bank
2
0.6%
2/4
#2
—
34
Goldman Sachs
2
0.6%
2/4
#1
—
35
LendingClub
2
0.6%
1/4
#3
—
36
loanDepot
2
0.6%
2/4
#6
—
37
OpenSky
2
0.6%
2/4
#3
—
38
Petal
2
0.6%
2/4
#6
—
39
Self
2
0.6%
2/4
#3
—
40
TD Bank
2
0.6%
1/4
#2
—
41
TowneBank
2
0.6%
1/4
#1
—
42
Bank of Colorado
1
0.3%
1/4
#4
—
43
Banner Bank
1
0.3%
1/4
#1
—
44
Bread
1
0.3%
1/4
#7
—
45
CFG Bank
1
0.3%
1/4
#5
—
46
Community Banks of Colorado
1
0.3%
1/4
#5
—
47
Cross River Bank
1
0.3%
1/4
#6
—
48
Evercore
1
0.3%
1/4
#5
—
49
Fifth Third Bank
1
0.3%
1/4
#4
—
50
First Citizens Bank
1
0.3%
1/4
#7
—
51
First Direct
1
0.3%
1/4
#4
—
52
Found
1
0.3%
1/4
#4
—
53
HSBC
1
0.3%
1/4
#5
—
54
KeyBank
1
0.3%
1/4
#2
—
55
Liberty Savings Bank
1
0.3%
1/4
#3
—
56
Lili
1
0.3%
1/4
#2
—
57
Live Oak Bank
1
0.3%
1/4
#7
—
58
M&T Bank
1
0.3%
1/4
#4
—
59
Monzo
1
0.3%
1/4
#5
—
60
Pentagon Federal (PenFed)
1
0.3%
1/4
#7
—
61
Raisin
1
0.3%
1/4
#1
—
62
Silicon Valley Bank
1
0.3%
1/4
#7
—
63
The Federal Savings Bank
1
0.3%
1/4
#7
—
64
TomoCredit
1
0.3%
1/4
#7
—
65
United Bank
1
0.3%
1/4
#1
—
66
Valley Bank
1
0.3%
1/4
#2
—
67
Vanguard
1
0.3%
1/4
#7
—
68
Varo
1
0.3%
1/4
#1
—
69
Wise Business
1
0.3%
1/4
#3
—
70
First Horizon
0
0.0%
0/4
—
—
ARA · ALGORITHM READINESS ANALYSIS · ARACO.AI — 4 models × 17 customer questions, top answers per cell. MEASURING AI TRUST IN BRANDS. Naming variants merged before counting: Ally Bank · American Express · Axos Bank · Bank of America · Better · Bluevine · Charles Schwab · Chase · Citibank · Discover · Huntington National Bank · Marcus by Goldman Sachs · Navy Federal Credit Union · OpenSky · Petal · Regions Bank · Rocket Mortgage · Synchrony Bank · U.S. Bank · Varo · loanDepot. Query counts for merged brands are upper bounds.
