# The AI strategy of the 120 largest US banks

Source: https://www.bankingnewsai.com/banks
Last updated: Oct 5, 2026

Bank-by-bank pages on platforms, agents, budgets, headcount, leadership and regulators, 2006 sources in all. Ordered by consolidated assets.

| # | Bank | Assets ($m) | Posture | Updated |
| --- | --- | --- | --- | --- |
| 1 | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | 4,016,571 | Build the platform, rent the models, deploy to everyone — then redeploy the people. | Oct 1, 2026 |
| 2 | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | 2,672,192 | Own the assistant, insist on perfect data, scale one proven model across 30 billion interactions. | Oct 1, 2026 |
| 3 | [Citigroup](https://www.bankingnewsai.com/banks/citigroup) | 1,933,622 | Re-engineer the enterprise: AI as the tool that finishes the transformation, measured on the earnings deck. | Oct 1, 2026 |
| 4 | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | 1,852,239 | Google-first agents on a cloud-agnostic platform, run by a newly named head of AI, with headcount managed down through attrition. | Oct 1, 2026 |
| 5 | [Goldman Sachs](https://www.bankingnewsai.com/banks/goldman-sachs) | 751,776 | Developer-first, then vendor-built agents embedded in the back office — an 'assembly line' automated one function at a time. | Oct 1, 2026 |
| 6 | [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | 683,380 | A chief AI officer with a published playbook: pick high-frequency work, measure outcomes not outputs, build reusable patterns, prepare for agents. | Oct 1, 2026 |
| 7 | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | 672,010 | Build, don't buy: a research lab, a chief scientist from Amazon, and agents that act — starting with car buying. | Oct 1, 2026 |
| 8 | [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | 567,949 | An 'AI factory': own data centres, own GPUs, own small and large models — to stop paying for tokens. | Oct 1, 2026 |
| 9 | [Truist Financial](https://www.bankingnewsai.com/banks/truist) | 541,180 | Post-merger catch-up turned into a sprint: 50-plus use cases in a year, a chief AI officer from Microsoft, and 'digital teammates' hired in 2026. | Oct 1, 2026 |
| 10 | [The Charles Schwab Corporation](https://www.bankingnewsai.com/banks/charles-schwab) | 517,300 | A $517 billion brokerage-and-bank whose CEO calls AI a 'real accelerant' for extending wealthy-client service to everyone, with its first retail gen-AI feature live since May 2026, a gen-AI knowledge assistant for service staff, and an RIA programme to push AI adoption across 63% of advisers already using it. | Oct 1, 2026 |
| 11 | [BNY (Bank of New York Mellon)](https://www.bankingnewsai.com/banks/bny-mellon) | 467,349 | 'AI for everyone, everywhere, everything': one platform, half the staff building agents, 'digital employees' on the org chart. | Oct 1, 2026 |
| 12 | [Morgan Stanley](https://www.bankingnewsai.com/banks/morgan-stanley) | 391,305 | OpenAI-first copilots for advisors, evaluated relentlessly — and the first big bank to open its platforms to clients' own agents. | Oct 1, 2026 |
| 13 | [State Street](https://www.bankingnewsai.com/banks/state-street) | 386,546 | AI as the engine of a $1 billion productivity program on a custody-and-data platform — disclosed in targets more than in tools. | Oct 1, 2026 |
| 14 | [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | 345,611 | An in-house lab (Layer 6), a proprietary foundation model, and a dollar target for AI value — under a US asset cap that makes efficiency the growth plan. | Oct 1, 2026 |
| 15 | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | 296,118 | 'Enterprise-viable' AI: an award-winning chatbot, an AI-native app interface, agentic payments via Brex, and MCP for embedded-finance clients — while digesting Comerica. | Oct 1, 2026 |
| 16 | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | 284,135 | The CFO owns the AI strategy: a return target on every use case, 50 agents in production, and a venture studio — all while doubling in size. | Oct 1, 2026 |
| 17 | [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | 251,965 | 96% employee adoption, a chief AI and quantum officer, an institute, and a stated refusal to use AI as a layoff tool — with underwriting agents as the proof. | Sep 24, 2026 |
| 18 | [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | 235,521 | Deliberately conservative: human in the loop, stability first, a frontier-AI fact sheet, with a new head of AI building out the program. | Oct 1, 2026 |
| 19 | [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | 227,134 | 'Reimagine the Bank': a $300 million, three-year AI-led overhaul with a $450 million payoff, on the first super-regional to move its whole mainframe to the cloud. | Oct 1, 2026 |
| 20 | [American Express](https://www.bankingnewsai.com/banks/american-express) | 217,569 | Agentic commerce as the next 'accelerant': a developer kit, purchase protection for AI agents, an agentic-expense acquisition — and jobs managed by attrition. | Oct 5, 2026 |
| 21 | [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | 214,201 | 'Safety first' and data-lineage first: a Buffalo tech hub, Copilot for 16,000 staff, a second-line AI risk function — and a CEO who says the bank will keep humming 'a familiar refrain'. | Oct 1, 2026 |
| 22 | [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | 185,983 | A self-described 'fast follower': AI in the call centre at 25 cents a call, Personetics-powered insights in the app, and a CRO who says the analog risk function is over. | Sep 24, 2026 |
| 23 | [Ally Financial](https://www.bankingnewsai.com/banks/ally) | 185,664 | The all-digital bank built its own gen-AI platform in 2023, put it in every employee's hands in 2025, and now uses AI 'personas' to test experiences before humans do. | Oct 1, 2026 |
| 24 | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | 173,843 | A custody-and-wealth bank that talks about AI as data plumbing for an 'agentic future' — and whose family-office clients now arrive having asked ChatGPT first. | Sep 27, 2026 |
| 25 | [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | 167,706 | The US arm of a group whose CEO calls generative AI its biggest technology investment, with a chief AI officer since April 2026, a Google Cloud deal targeting 200 use cases, and job cuts on the table. | Oct 1, 2026 |
| 26 | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | 159,430 | A core-replacement bank that reports AI as productivity arithmetic: 35% of new business opportunities and a 20% banker productivity lift, with the new deposit platform due in 2027. | Oct 1, 2026 |
| 27 | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | 122,628 | A relationship bank that has just doubled through a merger of equals, with a head of AI and an AI policy but no public AI numbers — its stated growth engine is hiring bankers, not deploying agents. | Sep 24, 2026 |
| 28 | [UBS (US)](https://www.bankingnewsai.com/banks/ubs-usa) | 122,262 | A Swiss wealth manager with a chief AI officer, 300-plus live use cases and a single AI platform — whose US bank is a wealth-management balance sheet where AI shows up as advisor tooling. | Sep 24, 2026 |
| 29 | [Synchrony Financial](https://www.bankingnewsai.com/banks/synchrony) | 121,930 | A private-label and co-brand card lender that has put AI tools in nearly every professional's hands, hired a chief AI officer in June 2026 and signed an OpenAI collaboration in August 2026, because it sees agentic shopping as a threat and an opening for its financing. | Oct 5, 2026 |
| 30 | [USAA Federal Savings Bank](https://www.bankingnewsai.com/banks/usaa) | 106,188 | A member-owned military financial group whose AI record is mostly about the parent: hundreds of deployed AI solutions, an enterprise gen-AI programme run by a chief data, analytics and AI officer, and a 'unplug the keyboard' goal for member service, with the bank a branch of that effort. | Oct 5, 2026 |
| 31 | [Santander US](https://www.bankingnewsai.com/banks/santander-us) | 106,095 | A Spanish group that has put a €1 billion price on AI by 2028 and just bought Webster to become a top-20 US bank — with Openbank, agentic commerce and AI for all 185,000 employees as the levers. | Oct 1, 2026 |
| 32 | [City National Bank (RBC)](https://www.bankingnewsai.com/banks/city-national) | 99,947 | A turnaround bank inside one of the most AI-invested parents in banking: RBC targets $700 million to $1 billion of value from AI by 2027, while City National rebuilds risk controls, recruits bankers and heads for Texas. | Sep 24, 2026 |
| 33 | [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | 98,766 | A specialised commercial bank whose most concrete AI is defensive: machine-learning fraud screening that blocked 723 million bogus class-action claims in 2024 — while it builds a 24/7 on-chain settlement network and hires 'AI Forward' engineers. | Sep 24, 2026 |
| 34 | [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | 87,957 | The regional that finished a decade-long core replacement first — 56% of staff on generative AI, a Gemini-based enterprise platform, and a deliberate refusal to put autonomous AI in front of customers. | Sep 24, 2026 |
| 35 | [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | 87,129 | Two years after nearly failing, the former New York Community Bank has trademarked its technology platform and patented a multi-model AI orchestration system — and wants the option to sell both. | Sep 24, 2026 |
| 36 | [Webster Bank](https://www.bankingnewsai.com/banks/webster) | 85,527 | A Northeast commercial bank that spent 2025 building data, cyber and risk infrastructure for the $100 billion line — and then became the $12.3 billion deal that made Santander a top-20 US bank. | Sep 24, 2026 |
| 37 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | 83,824 | 'Let's not try to boil the ocean': an in-house gen-AI tool in production for over a year, an enterprise data hub with a data marketplace, and AI written into the commercial-strategy job description. | Oct 1, 2026 |
| 38 | [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | 82,474 | One of the best-performing banks over $50 billion, with record profits four years running — and almost nothing public about AI beyond an in-house cross-border payments rail and a fintech partnership. | Oct 1, 2026 |
| 39 | [Popular, Inc.](https://www.bankingnewsai.com/banks/popular) | 78,972 | Puerto Rico's largest bank talks about technology as digital origination, an ERP move to the cloud and branch modernisation; its public AI record is a generative-AI hackathon (2023), Microsoft Copilot for employees (since late 2023) and AI risk language in its 10-K. | Oct 5, 2026 |
| 40 | [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | 74,668 | A Chicago-area multi-charter bank group whose CEO says it put AI governance first, is 'in the early stages', and already runs dozens of 'robotics-type, efficiency-type' automations, while growing assets 10-11% on flat headcount. | Oct 5, 2026 |
| 41 | [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | 72,614 | A Midwest acquirer that has doubled in five years and now talks about AI the way it talks about payments plumbing: agentic dispute resolution from a vendor, automated Swift validation, and advice to clients on what not to tell a chatbot. | Oct 1, 2026 |
| 42 | [UMB Financial](https://www.bankingnewsai.com/banks/umb) | 72,350 | A consolidator that just absorbed Heartland Financial, whose technology chief owns product and operations together — and whose only public AI writing is its investment team telling clients not to panic about it. | Sep 24, 2026 |
| 43 | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | 67,871 | A Southeast-to-Texas bank that runs AI adoption as change management: 95% of licensed staff active on Copilot, 200,000 prompts a month, and co-developed agents on Fiserv's agentOS due this summer. | Sep 24, 2026 |
| 44 | [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | 66,011 | The West Coast's serial acquirer has finished its conversions and stopped buying — its AI record is operational (AI in the Pacific Premier conversion, developer tools and a support assistant now answering most chats), alongside a breach disclosed 119 days late and a promise of no more deals. | Sep 24, 2026 |
| 45 | [CIBC Bank USA](https://www.bankingnewsai.com/banks/cibc-us) | 65,130 | A Chicago commercial bank inside a Canadian group that built its own gen-AI platform, counts 1.2 million hours saved in a quarter, and has won 'Best Gen-AI Initiative' three years running. | Oct 1, 2026 |
| 46 | [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | 64,388 | A midsize bank that says AI has flipped build-versus-buy: three vendor contracts already replaced, five tiers of AI access, a head of AI and data science, and a COO who counts tokens monthly. | Oct 1, 2026 |
| 47 | [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | 53,493 | A data-first rebuild under a new chief data and analytics officer, with AI discussed publicly mostly through the bank's own journalism on fraud, healthcare and the economy rather than through product launches. | Sep 24, 2026 |
| 48 | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | 52,770 | A Texas-only, build-not-buy bank that talks about AI as a way to make its mobile app simpler and its account opening faster, and has kept its own AI claims modest. | Oct 1, 2026 |
| 49 | [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | 50,421 | A $50 billion bank whose CEO argues smaller banks will out-innovate the megabanks, built on a decade-old proprietary digital platform, an in-house data hub and newly hired AI and data-science directors. | Oct 1, 2026 |
| 50 | [SoFi Technologies](https://www.bankingnewsai.com/banks/sofi) | 49,668 | A branchless national bank shipping consumer-facing AI faster than any large incumbent: Cash Coach, SoFi Coach and the acquired Composer strategy engine, on top of AI-heavy engineering and a Galileo/Technisys technology stack it also sells to others. | Oct 1, 2026 |
| 51 | [EverBank Financial Corp](https://www.bankingnewsai.com/banks/everbank) | 47,233 | An online-banking pioneer under private-equity ownership that has said almost nothing public about AI while rebuilding its branch and commercial platforms and, in September 2026, agreeing a $3.9 billion reverse merger with WaFd. | Sep 24, 2026 |
| 52 | [Barclays US Consumer Bank](https://www.bankingnewsai.com/banks/barclays-us) | 46,648 | A co-brand credit-card issuer that has put generative AI into its contact centres at scale (eight million call summaries in four months) under a group-wide AI programme, and is adding an $800 million personal-loan platform. | Oct 1, 2026 |
| 53 | [Raymond James Financial](https://www.bankingnewsai.com/banks/raymond-james) | 45,737 | An advisor-centric wealth manager with a chief AI officer, a head of AI strategy, a $975 million technology budget and a proprietary gen-AI operations agent, Rai, built to augment rather than replace advisors. | Oct 1, 2026 |
| 54 | [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | 45,538 | Wisconsin's largest bank is organising for AI line by line: a senior director of AI for commercial banking hired from U.S. Bank, a chief digital officer from BMO with an explicit AI mandate, a new board technology committee and a chief data officer alongside CIO Terry Williams. | Sep 24, 2026 |
| 55 | [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | 43,609 | A serial Texas acquirer that spent 2026 on a real-time core conversion and three bank integrations, and has said nothing public about AI beyond the slogan 'real bankers, real-time banking'. | Sep 24, 2026 |
| 56 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | 41,664 | A construction and commercial real estate lender that meets AI mainly as tenant demand for the buildings it finances; its only named AI project, co-developing agents on Fiserv's agentOS, was disclosed by the vendor, not the bank. | Sep 24, 2026 |
| 57 | [Deutsche Bank (U.S.)](https://www.bankingnewsai.com/banks/deutsche-bank-us) | 39,745 | A Frankfurt-run AI programme with hard 2028 targets, applied in the US mainly through corporate-bank credit processes and trust-and-agency work, including acting as agent on AI data-centre financings. | Oct 5, 2026 |
| 58 | [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | 37,229 | A $37 billion Mid-Atlantic bank whose CIO calls it innovation 'with a little i': automate what you already have, which is how it converted a $14 billion acquisition with a ten-person team checking 80 million values. | Sep 24, 2026 |
| 59 | [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | 35,540 | A family-led Missouri bank that has put AI inside an enterprise data strategy with a written roadmap, offers AI-driven receivables automation to commercial clients, and is 'actively exploring' AI in a $94 billion trust business. | Sep 24, 2026 |
| 60 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 35,533 | A Gulf South bank with a customer base averaging 65 years old that is modernising its digital channels with MX and has bought into Orlando; its 10-K discloses board oversight of AI and an AI Working Group that approves use cases, while its client-facing AI statements concern the threats AI creates. | Sep 24, 2026 |
| 61 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | 35,342 | A Florida commercial bank that positions security as the reason small businesses switch banks, publishes a steady stream of AI-fraud guidance, and argues that 'digital plus human' beats digital alone; its filings call its AI use 'not material', while an AWS case study describes an internal generative-AI assistant, SAVI, built on Anthropic's Claude. | Sep 24, 2026 |
| 62 | [First National Bank of Omaha (FNBO)](https://www.bankingnewsai.com/banks/fnbo) | 34,725 | A 168-year-old family-owned bank that put AI agents into financial-crime investigations before most public banks its size, cutting time per case in half, while buying three banks in sixteen months. | Sep 24, 2026 |
| 63 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | 34,643 | Los Angeles' largest independent bank, nearly three years past the PacWest merger, is betting on payments, citing 'AI-driven intelligence' as the disruption it wants to ride, while restructuring its balance sheet for higher recurring earnings. | Sep 24, 2026 |
| 64 | [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | 33,609 | A 187-year-old Mid-Atlantic and Southeast bank posting record earnings with a 'consistent and disciplined' management style, and no public AI programme beyond consumer education. | Sep 24, 2026 |
| 65 | [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | 33,206 | A rebuilt Dallas bank that now runs on a cloud-native platform, has just hired a chief digital and information officer with AI enablement in his brief, and applies technology to the mortgage-asset trading market it knows best. | Sep 24, 2026 |
| 66 | [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | 32,108 | A $34 billion Mid-Atlantic community-banking group that converted a struggling New Jersey acquisition onto its platforms about three months after closing, uses vendor AI in its contact centre (call summarisation, NICE generative-AI agent assist and self-service), talks to customers about AI in investing and budgeting, and has produced a head of AI for a peer bank rather than for itself. | Oct 1, 2026 |
| 67 | [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | 31,717 | A serial acquirer that runs 18 locally branded divisions on one Montana charter, posting record earnings after two 2025 deals, with no disclosed AI programme and a customer-facing security stack built on authenticator apps rather than analytics. | Sep 24, 2026 |
| 68 | [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | 30,620 | Greater Boston's largest local bank, fresh from the HarborOne integration and an activist-driven retreat from M&A, with a chief digital officer who preaches experimentation and AI-as-tool but no disclosed AI deployment. | Sep 24, 2026 |
| 69 | [Axos Financial](https://www.bankingnewsai.com/banks/axos) | 29,962 | A branchless, proprietary-technology bank that now writes 90% of its committed code with AI, has more than 500 staff on an enterprise AI assistant, bought an AI-native fintech for its 'Archie' CFO agent, and tells investors the goal is to scale without hiring or offshoring. | Oct 1, 2026 |
| 70 | [SLM Corporation (Sallie Mae)](https://www.bankingnewsai.com/banks/sallie-mae) | 29,457 | The largest private student lender hired a Bank of America data-and-analytics technology head to run a data-first transformation, uses AI conversation simulation to train call-centre agents, and treats AI's effect on graduate employment as a credit question it has studied and dismissed. | Sep 24, 2026 |
| 71 | [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | 28,626 | Florida's second-largest bank, owned by Chile's Bci, has consolidated 800 Miami staff into one headquarters and is pushing north to Orlando and Tampa, while its disclosed AI is a CISO-led webinar and vendor-driven mortgage pricing, with data and analytics under its chief strategy officer. | Sep 24, 2026 |
| 72 | [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | 28,114 | The Southeast's most-awarded bank for customer satisfaction has a CEO who says AI 'will have a positive impact on our business', credits it with saving customers millions in fraud losses, and is embedding it in contact-centre and branch-support systems while selling its equipment-finance arm for $1.9 billion. | Oct 1, 2026 |
| 73 | [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | 28,024 | The Walton family's private bank is several years into a core and cloud modernisation, hired a Synovus technology chief with an AI-strategy certification as CIO, and was named one of Fortune's most innovative companies, while its customer-facing AI content is about scams. | Sep 24, 2026 |
| 74 | [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | 28,022 | A Southeastern bank whose CEO calls AI 'more of an evolution than a revolution', aimed at building capacity in high-volume processes rather than cutting costs, with robotic automation already selling in its insurance-premium-finance unit and a Q2 2026 litigation accrual that halved reported earnings. | Oct 1, 2026 |
| 75 | [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | 27,552 | A former thrift fifteen years into becoming a commercial bank, whose 'Build 2030' plan puts a data-driven 'digital focus' alongside deposit mix goals, with in-house software (AI-assisted development at more than twice the pace), an AI-powered call-centre agent, an nCino AI agent for commercial credit work, and a $3.9 billion reverse merger with EverBank agreed in September 2026. | Sep 24, 2026 |
| 76 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | 27,420 | A $28 billion regional bank that completed the largest acquisition and conversion in its history (Premier Financial, 2025), is closing branches while investing in digital products, and tells investors it is advancing automation and AI initiatives in loan operations, the call centre and credit underwriting without naming a tool, vendor, leader or result. | Sep 24, 2026 |
| 77 | [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | 27,091 | A Mississippi bank of more than 120 years that doubled down on the Southeast by absorbing The First Bancshares, hit the profitability goals it set itself two years earlier, and lists 'process automation' and data analytics among its technology investments without naming AI. | Sep 24, 2026 |
| 78 | [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | 26,361 | A Rocky Mountain bank deliberately shrinking after a decade of acquisitions, whose CEO is consolidating data into 'one clean source' to support AI and is piloting a Fiserv-built agentic AI tool for commercial loan onboarding. | Sep 24, 2026 |
| 79 | [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | 25,862 | The most aggressive AI adopter in the rank-51-to-100 group: a multiyear collaboration that embeds OpenAI engineers on site, a stated 2026 priority to 'operationalize AI at scale', 100% of staff AI-trained, and a CEO who used an AI clone of himself on an earnings call. | Sep 24, 2026 |
| 80 | [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | 24,788 | A Boston-area bank that stood up an Office of Digital Innovation and an AI governance framework in early 2026 to gate AI spending on use cases with a meaningful payback, while digesting the Enterprise Bank acquisition and preparing an October core conversion. | Sep 24, 2026 |
| 81 | [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | 24,649 | A Mid-South acquirer turned organic grower under a new CEO, with a chief information officer, a newly hired chief technology officer and a retiring first chief data officer, funding 'investments in talent and technology' from efficiency cuts, without a disclosed AI programme. | Sep 24, 2026 |
| 82 | [First Hawaiian, Inc.](https://www.bankingnewsai.com/banks/first-hawaiian) | 24,267 | Hawaii's oldest bank has put its AI programme under a newly promoted digital-banking executive and is about to add 68 California branches through the $2 billion TriCo acquisition, its first mainland network since splitting from Bank of the West. | Sep 24, 2026 |
| 83 | [Cathay General Bancorp](https://www.bankingnewsai.com/banks/cathay) | 24,035 | The largest Chinese-American bank in the US runs one of the sector's lowest efficiency ratios and a widening net interest margin, with a corporate responsibility report that covers information security in depth and no public AI programme. | Sep 24, 2026 |
| 84 | [Bank of Hawaii Corporation](https://www.bankingnewsai.com/banks/bank-of-hawaii) | 23,876 | Hawaii's second-largest bank introduced generative AI tools in 2025 under a retiring CEO who called AI 'a dramatic, technological, operational shift' he could not fully predict, and handed the next phase to a new chief executive in April 2026. | Sep 24, 2026 |
| 85 | [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | 23,173 | A regional bank that treats AI as an operating-leverage programme: Copilot in every department, a Databricks data layer, a governed Automation Transformation Office and a board committee that oversees it. | Oct 5, 2026 |
| 86 | [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | 23,029 | One of the most profitable banks in the country, run by a founder-chairman who talks about deals and discipline rather than technology, with a back-office system upgrade pacing its Tennessee acquisition and no disclosed AI programme. | Sep 24, 2026 |
| 87 | [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | 22,687 | A 163-year-old Cincinnati acquirer that struck three deals in 13 months and converted two of them inside a year, whose technology record is integration and fraud education rather than a disclosed AI programme. | Sep 24, 2026 |
| 88 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | 22,359 | A relationship bank that completed three acquisitions between April 2025 and January 2026, hired WesBanco's former CIO to run technology, runs member service on Talkdesk's AI contact-centre platform and analytics on SAS, has Microsoft Copilot on bankers' computers but is still working on getting them to use it, and gives AI a stand-alone risk factor in its 10-K. | Sep 24, 2026 |
| 89 | [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | 22,181 | A one-year-old New England regional formed by the Berkshire Hills and Brookline merger of equals, through its core conversion and rebrand, now adding AI-enabled document classification and spreading to small-business and SBA lending through Baker Hill. | Sep 24, 2026 |
| 90 | [Mechanics Bancorp](https://www.bankingnewsai.com/banks/mechanics) | 21,404 | A private-equity-controlled West Coast bank that absorbed HomeStreet through a reverse merger, converted its systems in March 2026 and sold a Fannie Mae business line, with no disclosed AI programme. | Sep 24, 2026 |
| 91 | [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | 21,183 | A conservative California commercial bank whose public AI record is a policy framework, an AI Governance Council and 'selective and limited' use, not product announcements. | Oct 5, 2026 |
| 92 | [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | 21,134 | Florida's sixth-largest bank runs agentic AI in its dispute operations, publishes a machine-readable 'AI information' page for language models, and has just finished converting the bank of The Villages, its largest integration ever. | Sep 24, 2026 |
| 93 | [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | 21,049 | Central Indiana's largest bank holding company converted its Louisville-area acquisition in May 2026, describes its edge as 'modern capabilities with people who genuinely understand their communities', has rolled Microsoft Copilot out across the organisation and is applying AI to mortgage intake, and says in its 2025 10-K that it uses and develops AI under governance frameworks; no AI leader or budget is named. | Sep 24, 2026 |
| 94 | [Optum Bank (UnitedHealth Group)](https://www.bankingnewsai.com/banks/optum-bank) | 20,995 | The health-savings-account bank inside UnitedHealth Group sits within one of the most aggressive enterprise AI programmes in the Fortune 10, with its chief credit officer speaking publicly about agentic lending, while the bank itself discloses no AI of its own. | Sep 24, 2026 |
| 95 | [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | 20,473 | A 124-year-old Missouri bank that went public in November 2025 to fund an acquisition, employs about 65 in-house programmers and designers, is replacing its core with real-time API-based systems, publishes customer guides on AI's economy and AI scams, and runs vendor AI in its mobile app: Personetics' AI-driven money-management insights (2024) and, per its first 10-K, a recently launched tool with AI-enabled cash-flow forecasting. | Sep 24, 2026 |
| 96 | [Merchants Bancorp](https://www.bankingnewsai.com/banks/merchants-indiana) | 20,263 | A multifamily and mortgage-warehouse specialist posting record assets and tangible book value for a 30th straight quarter, whose short-duration, securitisation-driven model is built on process speed, with no disclosed AI programme. | Sep 24, 2026 |
| 97 | [Stifel Financial (Stifel Bank & Trust)](https://www.bankingnewsai.com/banks/stifel-bank) | 20,063 | The bank inside a $580 billion-client-asset wealth and investment-banking firm whose CEO argues AI 'only increases the value of judgment, trust, and relationships', and whose research arm frames AI as a multi-trillion-dollar productivity supercycle. | Sep 24, 2026 |
| 98 | [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | 18,985 | A Mississippi bank that just replaced a 45-year-old core deposit system with 'state-of-the-art platforms', freeing management to 'turn our attention to those efficiency gains', and whose CEO says AI plans are drawn up but too early to quantify. | Sep 24, 2026 |
| 99 | [Hope Bancorp (Bank of Hope)](https://www.bankingnewsai.com/banks/bank-of-hope) | 18,652 | The largest Korean-American bank is rebuilding profitability through acquisitions in Hawaii and Japanese-corporate banking, balancing 'prudent expense control with targeted investments in technology', with no disclosed AI programme. | Sep 24, 2026 |
| 100 | [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | 18,170 | A branch-light commercial bank with an efficiency ratio under 30% and a stated model of 'loan making and deposit taking', which broke its silence on AI in September 2026 by selecting a vendor, Covecta, to deploy agentic AI across its operations. | Sep 24, 2026 |
| 101 | [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | 18,012 | A year after the CrossFirst acquisition lifted it to about $20 billion of combined assets, Busey, which already answers most contact-centre calls with Glia voice AI, created its first director of AI, data science and insights, hired from FNB and Huntington, with a mandate for 'responsible implementation of AI/ML models to drive revenue growth, operational efficiency and transformative productivity'. | Sep 24, 2026 |
| 102 | [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | 17,434 | A diversified upstate New York bank, benefits administrator, wealth manager and insurer whose CEO counts 'more than a dozen people' on AI with a handful fully dedicated, sees the gains so far in application development, and discloses rising data-processing expense for 'artificial intelligence applications'. | Sep 24, 2026 |
| 103 | [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | 17,196 | A St. Louis business bank on an 'automation journey' that converts manual procedures into automated workflows, teaches its clients why AI is 'a CEO's business imperative', and absorbed twelve First Interstate branches in Arizona and Kansas in late 2025. | Sep 24, 2026 |
| 104 | [FB Financial Corporation (FirstBank)](https://www.bankingnewsai.com/banks/fb-financial) | 16,433 | Nashville's FirstBank pairs 'the latest in financial products and capabilities with a century of hometown heart', ranks first in J.D. Power's South Central retail satisfaction study, and offers an Insights budgeting tool in its app, without a disclosed AI programme. | Sep 24, 2026 |
| 105 | [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | 16,404 | A family-controlled, purpose-driven Oklahoma and Texas bank whose transformation leader wants technology to be 'an enterprise capability' connected to strategy, data and risk, and who says 'modernisation cannot flatten the human character of community banking'; its officer roster includes a director of AI program strategy and execution, but no AI use case, vendor or budget has been disclosed. | Sep 24, 2026 |
| 106 | [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | 16,338 | A 135-year-old Northwest bank investing in 'digital platforms and AI capabilities', including a new loan and deposit origination system and a virtual assistant that customers can talk to 'like you would a person', while buying Bank of the Pacific. | Sep 24, 2026 |
| 107 | [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | 16,092 | A seven-state community bank that says AI 'is not new to NBT' and embeds it through its existing development lifecycle and model validation, without naming tools or leaders. | Oct 5, 2026 |
| 108 | [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | 15,960 | The largest SBA 7(a) lender by dollar volume, co-designing an AI-native loan origination platform with Casca and telling investors its AI strategy is 'offensive', not a cost play. | Oct 5, 2026 |
| 109 | [FirstSun Capital Bancorp](https://www.bankingnewsai.com/banks/firstsun) | 15,654 | A Denver commercial bank absorbing the First Foundation merger; it has not disclosed an AI programme, and its 10-K treats AI as a competitive and fraud risk. | Oct 5, 2026 |
| 110 | [Nicolet Bankshares](https://www.bankingnewsai.com/banks/nicolet) | 15,391 | A Green Bay community bank that doubled in size by buying MidWestOne in February 2026; it has not disclosed an AI programme and treats AI in its 10-K as a cyber, fraud and competition risk. | Oct 5, 2026 |
| 111 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | 15,234 | A Texas-only community bank with its own technology subsidiary that has not disclosed an AI programme; its 10-K mentions AI only as an adoption risk. | Oct 5, 2026 |
| 112 | [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | 15,034 | A Long Island bank remaking itself as a commercial lender, whose one disclosed AI deployment is in compliance: Quantifind's AI for sanctions screening of payments. | Oct 5, 2026 |
| 113 | [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | 14,402 | A New Jersey commercial bank that runs its lending on nCino and is building custom AI agents there, with the stated aim of making every frontline commercial banker 50% more productive rather than cutting staff. | Oct 5, 2026 |
| 114 | [Bread Financial Holdings](https://www.bankingnewsai.com/banks/bread-financial) | 13,859 | A private-label and co-brand card issuer that treats AI as operational-excellence spend: 200-plus machine-learning models, an in-house agentic platform under its CTO, 'fast follower' discipline and a governance-first, ROI-tracked rollout. | Oct 5, 2026 |
| 115 | [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | 12,805 | An Oklahoma community-bank consolidator whose 10-K says its use of AI 'is not material to us at this time' but is expected to grow, while its 2025-2026 filings are about buying American Bank of Oklahoma and SpiritBank. | Oct 5, 2026 |
| 116 | [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | 12,685 | A Dallas holding company (bank, mortgage lender, broker-dealer) whose AI record is generic risk disclosure plus PrimeLending's 'MoBots' and a management remark about deploying AI 'where practical'. | Oct 5, 2026 |
| 117 | [Park National Corporation](https://www.bankingnewsai.com/banks/park-national) | 12,609 | A relationship-banking Ohio holding company that treats AI as 'a tool', not a strategy: an AI-powered Auto-Coach for bankers, no AI in its 10-K, and a 2026-2030 plan about digital elegance with human empathy. | Oct 5, 2026 |
| 118 | [National Bank Holdings Corporation](https://www.bankingnewsai.com/banks/national-bank-holdings) | 12,537 | A Colorado-based regional bank, now $12.5 billion after buying Vista Bank, whose technology story is 2UniFi, a digital small-business platform it describes as automated rather than AI-driven, while AI shows up only as a risk and competitive factor. | Oct 5, 2026 |
| 119 | [First Commonwealth Financial Corporation](https://www.bankingnewsai.com/banks/first-commonwealth) | 12,175 | A Pennsylvania and Ohio regional bank that says it is 'on our front foot' with technology and gives one concrete AI example, a vendor-enabled call-centre assistant, while a new CIO takes over technology and digital strategy. | Oct 5, 2026 |
| 120 | [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | 9,206 | A fintech-sponsor bank that writes AI into its strategy as an efficiency lever: AI tools to handle rising payment volume without matching headcount, named in its 10-K, on three consecutive earnings calls and in a September 2026 restructuring. | Oct 5, 2026 |

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