Ameris Bancorp vs peers
AI and technology compared

Last updated Oct 19, 2026 · 8 peers · 84 sources cited

How does Ameris Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index Ameris scores 20.7 (#97 of 120 US banks), eighth in a nine-bank Southeast group, ahead only of Renasant (2.4). SouthState (70.9), Pinnacle (65.3) and BankUnited (63.5) lead the group. The gap is in what each bank has put on the record, not in stated intent. Ameris's 2025 10-K, filed February 26, 2026, says generative AI and machine-learning tools adopted 'for limited internal use' have increased its efficiency. In April 2026 CEO Palmer Proctor called AI 'more of an evolution than a revolution' and said it is used to build capacity, not to cut expense. Ameris gives no usage figures. SouthState reported 2,500+ premium Copilot users and 12K+ prompts a day at June 30, 2026. Pinnacle employs almost 20 AI engineers under a named head of AI (July 2026). ServisFirst selected Covecta's agentic AI on September 10, 2026. Ameris's strongest numbers are in fraud: its 2025 annual report says the earlier Voice ID system protected more than $95 million of customer funds, and an upgrade now scores calls for risk before they reach a banker. United Community reports fraud losses down 50% over two years, partly thanks to vendors' AI (April 2026). Ameris has named no AI leader or AI committee. Hancock Whitney's 2025 10-K describes an AI Working Group that approves use cases, and BankUnited set up an AI and Data Advisory Group in July 2025.[1][2][3][4][5][6][7][8][9][10]

Data as of Oct 19, 2026 · Ameris profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where does Ameris lead its peers on AI?

01

Its 10-K credits AI with an efficiency gain; BankUnited's calls its AI use immaterial

Ameris's 2025 10-K says generative AI and machine-learning tools adopted for limited internal use 'have increased our efficiency' and that it expects to keep adopting them. BankUnited's 2025 10-K repeats that its current use of AI 'is not material to our operations'. Ameris added its AI risk factor in the 10-K filed February 2025; its 10-K for 2023 had none.[1][11][12][13]

02

A dollar figure on fraud protection

Ameris's 2025 annual report says its earlier Voice ID system protected more than $95 million of customer funds; the upgrade begun in 2025 automates risk checks and scores each call before it reaches a banker, beside photo ID scanning at account opening. United Community gives a percentage, fraud losses down 50% over two years (April 2026); Seacoast's Quavo dispute platform (December 2025) has no figure attached.[7][8][14]

03

An AI-marketed product in a national specialty line

Ameris's US Premium Finance unit advertises 'AI-powered automation' through robotic process automation that speeds agreement processing, and premium finance loans grew to $1.53 billion at June 30, 2026 from $1.31 billion at December 2025. United Community, by contrast, sold its national equipment-finance unit Navitas for about $2.0 billion, completed in September 2026.[15][16][17]

Where does Ameris trail its peers on AI?

01

The least independent coverage but one in the group

Ameris scores 2 on independent sources, eighth of nine; SouthState scores 12. Its AI record rests on its own 10-K, annual report and one earnings-call answer. SouthState's record includes 2,500+ premium Copilot users and a GenAI Knowledge Assistant answering 1,100+ questions a day (June 30, 2026).[1][2][3]

02

No named AI leader or AI committee while four peers have one

Ameris's 10-K names CIO Ross Creasy, to whom the CISO reports, and no AI owner. Pinnacle names a head of AI, Kevin Johnson. Hancock Whitney's 10-K describes an AI Working Group of Legal, Compliance, Risk and IT that approves use cases. BankUnited's proxy describes an AI and Data Advisory Group formed in July 2025. Seacoast's IT Committee charter lists AI among the risks it assesses.[1][5][9][10][18]

03

No agentic-AI vendor on the record while three Southeast peers have one

Ameris has named no AI vendor. ServisFirst selected Covecta to embed AI agents in operational workflows (September 2026). Fiserv named SouthState a co-developer of its agentOS agents (May 2026). Seacoast adopted Quavo's agentic-AI dispute platform (December 2025).[6][19][14]

04

No customer digital metrics to set beside Hancock Whitney's

Ameris reports a 15% rise in online account openings in 2025 but no digital-user count, app rating or customer AI tool. Hancock Whitney says mobile account openings rose 20% and 80% of new checking accounts are digitally active (Q4 2025), and its new MX-built app was rated sixth best among banks and credit unions per an MX session description (June 2026).[7][20][21]

Where does Ameris rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
SouthState Bank70.9#33 of 120121610 of 2020Copilot at scale, tested models, and Fiserv agentOS agents[22][23][24]
Pinnacle Financial Partners65.3#42 of 12012179 of 1221A head of AI inside a banker-led model[5][25][26][27][4]
BankUnited63.5#44 of 12072610 of 1519SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[28][29][30][31][13]
Seacoast Banking Corporation of Florida42.1#67 of 12041810 of 1114Quavo agentic dispute management and Seacoast's AI-information page[14][32][33]
ServisFirst Bancshares39.7#72 of 1207134 of 617Covecta agentic AI[6][34]
United Community Banks38.7#75 of 1204278 of 1321Not disclosed
Hancock Whitney37.4#78 of 1204205 of 1113MX-powered digital banking modernisation[35][21][36][37][9]
Ameris Bancorp (this page)20.7#97 of 1202189 of 1114Not disclosed
Renasant Corporation2.4#111 of 12022412 of 1212Not disclosed

On which parts of the AI record is Ameris ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Ameris and the 8 peers that are scored on the same basis. "Place" is Ameris's position in the group of 9 (1st = most).

Component (weight)AmerisPeer medianMost in the groupPlace
Independent sources (45%)25.5SouthState (12)8th of 9
Use cases in production (10%)99.5Renasant (12)5th of 9
Own primary disclosures (10%)1819United Community (27)5th of 9
Dated moves, last 12 months (10%)1418United Community (21)6th of 9
Disclosed numbers (5%)1113SouthState (20)9th of 9
Named AI leaders (5%)99Pinnacle (12)5th of 9
Use cases described (5%)1112SouthState (20)6th of 9

What has each bank in Ameris's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Ameris BancorpNot disclosed9, incl. Palmer Proctor (Chief Executive Officer)[38][2]Full-time-equivalent employees: 2,673 (Dec 31, 2025)[1]Not disclosed1 open AI roles (Oct 1, 2026); most in AI engineering
United Community BanksNot disclosed6, incl. Lynn Harton (Chairman, CEO and President)[39][40][41][8]Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026)[8]Not disclosedNot surveyed
SouthState BankCopilot at scale, tested models, and Fiserv agentOS agents[22][23][24]10, incl. John Corbett (Chief Executive Officer)[42]Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026)[3]None found (the profile's patent search)[43]1 open AI roles (Sep 24, 2026); most in AI engineering
Pinnacle Financial PartnersA head of AI inside a banker-led model[5][25][26][27][4]12, incl. Kevin Blair (President and CEO)[25][44][27][4]AI engineers employed: almost 20 (Jul 23, 2026)[4]Not disclosedNot surveyed
Seacoast Banking Corporation of FloridaQuavo agentic dispute management and Seacoast's AI-information page[14][32][33]10, incl. Charles M. Shaffer (Chairman and CEO)[45][46]Full-time-equivalent employees: 1,962 (Dec 31, 2025)[47]1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs)[48]Not surveyed
Renasant CorporationNot disclosed2, incl. Kevin D. Chapman (President and CEO)[49][50]Full-time equivalent employees, Renasant plus The First: mid-2024 vs 31 March 2026: ≈ 3,400 vs ≈ 2,950 (down 450) (Apr 29, 2026)[51]Not disclosedNot surveyed
Hancock WhitneyMX-powered digital banking modernisation[35][21][36][37][9]8, incl. John Hairston (President and CEO)[52][53]New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026)[21]Not disclosedNot surveyed
ServisFirst BancsharesCovecta agentic AI[6][34]5, incl. Tom Broughton (Chairman, President and CEO)[54][55]Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026)[54]Not disclosedNot surveyed
BankUnitedSAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[28][29][30][31][13]11, incl. Rajinder Singh (Chairman, President and CEO)[56]Not disclosedNot disclosedNot surveyed

What are the latest dated moves on the AI record of Ameris and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 8, 2026Seacoast BankAbrigo publishes Seacoast loan-review AI case study[57]
Oct 2, 2026SouthStateQ3 2026 results scheduled[58]
Oct 1, 2026PinnacleChief digital officer: 200,000-plus customers move to a new app in March 2027[59]
Oct 1, 2026SouthStateEdmonds profiled for tokenized-deposit and instant-payments work[60]
Sep 18, 2026United CommunityCustomer guidance on AI-enabled scams[61]
Sep 17, 2026RenasantVendor StrategyCorps buys AI-native Quantuma[62]
Sep 15, 2026ServisFirst BankTrade press frames Covecta as a third US bank client[63]
Sep 14, 2026United CommunityNamed as a Microsoft Copilot adopter[64]
Sep 10, 2026ServisFirst BankSelects Covecta to deploy agentic AI[6]
Sep 9, 2026Hancock Whitney'AI is raising business cyber risk' guidance[37]
Aug 7, 2026Hancock WhitneySecond-quarter 2026 10-Q[65]
Aug 7, 2026AmerisQ2 2026 10-Q: no AI language; technology cost and premium finance figures[16]
Aug 6, 2026BankUnitedQ2 2026 10-Q has no AI discussion[66]
Aug 5, 2026RenasantQ2 2026 10-Q repeats the two AI references[67]
Aug 4, 2026Seacoast BankQ2 2026 10-Q widens its AI risk language[68][69]
Aug 4, 2026PinnacleQ2 10-Q: AI initiatives listed as an execution risk[70]
Jul 24, 2026AmerisQ2 2026 call: no AI discussion[71]
Jul 22, 2026BankUnitedQ2 2026 call: staying out of data-centre lending[72]

What AI has each Southeast peer of Ameris put on the record?

The AI tool or program each bank has disclosed, with any scale figure and its date. Vendor-reported figures are marked. A blank means nothing is disclosed, not that nothing exists.

BankAI tool or programScale disclosedDate
AmerisGenerative AI and machine-learning tools in limited internal use; AI for software-contract review; RPA in premium financeNo usage figure; 10-K says efficiency increasedFebruary and April 2026[1][2][15]
SouthStateMicrosoft Copilot and a GenAI Knowledge Assistant; about 90% of credit spreads done by AI2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a dayJune 30, 2026[3]
PinnacleChatPFP assistant and an AI engineering team under a head of AI18,000 banker questions answered; almost 20 AI engineersApril and July 2026[27][4][5]
United CommunityVendor AI in fraud; contact-center chatbots; AI-assisted programming; Microsoft Copilot for bankersFraud losses down 50% over two yearsApril and September 2026[8][64]
BankUnitedTalkdesk AI contact center with agent assist and self-service; internal policy chatbot on AWSNet promoter score up 104% (Talkdesk-reported); 95% accuracy across about 400 policy documents (AWS)2025[29][28]
SeacoastQuavo agentic-AI dispute management; Abrigo AI Loan Review AssistantClean line sheets cut from 8 to 10 hours to 4 to 6 (Abrigo-reported)December 2025; October 2026[14][57]
ServisFirstCovecta agentic AI in operational workflowsNot disclosedSeptember 10, 2026[6]
Hancock WhitneyAI tools in the cybersecurity program; MX-built mobile app80% of new checking accounts digitally active (Q4 2025)February 2026[9][20]

How does Ameris govern AI compared with its peers?

Who owns AI risk and AI decisions at each bank, as its own filings describe it.

BankAI owner or bodyWhat it doesWhere disclosed
AmerisNone named; CIO Ross Creasy, with the CISO reporting to himBoard Enterprise Risk Committee reviews the cybersecurity risk profile quarterly; the 10-K warns vendors may add AI without the bank's prior knowledge2025 10-K (February 2026)[1]
Hancock WhitneyAI Working Group (Legal, Compliance, Risk, IT)Approves AI use cases under board oversight; the proxy puts AI risk under the Board Risk Committee2025 10-K and 2026 proxy[9][73]
BankUnitedAI and Data Advisory Group, formed July 2025Management updates the Risk Committee on AI models and initiatives; directors had AI training in 20252026 proxy[10]
PinnacleHead of AI, Kevin JohnsonLeads the bank's AI initiativesAmerican Banker (2026)[5]
SeacoastBoard Information Technology CommitteeCharter lists AI among the technology risks it assesses; Principal Financial's CIO Kathy Kay joined the board in March 20262026 proxy and 8-K[18][74]
ServisFirstChief information and operations officer Michael LindseyChairs the Information Technology Steering Committee; chose Covecta2025 10-K; September 2026[75][6]

How does Ameris's fraud technology compare with its peers'?

Fraud is where Ameris has said the most. Its 2025 annual report describes a Voice ID upgrade begun in 2025 that automates risk checks and gives each incoming call a risk score before it reaches a banker; the previous Voice ID system protected more than $95 million of customer funds. It also added a photo ID scanning system to flag fraudulent IDs at account opening and runs a Lion Team for high-risk fraud events. The report does not call these tools AI or name a vendor.[7]

Peers describe their fraud tools in AI terms. United Community said in April 2026 that fraud losses fell 50% over two years, partly thanks to vendors' AI. Seacoast adopted Quavo's agentic-AI dispute platform with AI fraud detection in December 2025. Hancock Whitney's 10-K says its cybersecurity program uses AI tools while tracking AI-driven threats. Ameris's own 10-K names AI as something that may sharpen attackers' tactics.[8][14][9][1]

On the customer side Ameris, BankUnited and United Community all publish scam education. Ameris's fraud-trends guidance covers deepfake voices and AI-enabled phishing. BankUnited's June 2026 guide to AI-generated phishing is titled 'Scams without the typos' and ends with a five-step checklist for clients. United Community told business clients in September 2026 that AI-empowered tools make social-engineering scams more convincing. None of these pages is a product; they show that these banks treat AI-enabled fraud as a customer risk, while only some say AI is part of their own defenses.[76][77][61]

Which banks are Ameris's peers, and why these?

Ameris Bancorp is compared here with United Community Banks, SouthState Bank, Pinnacle Financial Partners, Seacoast Banking Corporation of Florida, Renasant Corporation, Hancock Whitney, ServisFirst Bancshares and BankUnited: chosen by the editors for this page (see the note below the table). Ameris Bancorp is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in banks from West Virginia and Virginia and a Chilean-owned Miami bank; this group holds the Southeast regional banks that operate in Ameris's Georgia, Florida, Alabama and Carolinas footprint, five of which (SouthState, Pinnacle, United Community, Renasant and Hancock Whitney) also sit in Ameris's own 2026 proxy compensation peer group.

Is Ameris better than SouthState at AI?

The record cannot settle capability, but SouthState has put far more on it: 70.9 on this site's disclosure index against Ameris's 20.7. SouthState reports 2,500+ premium Copilot users, 12K+ prompts a day and about 90% of credit spreads done by AI (June 30, 2026). Ameris's 10-K says AI tools in limited internal use have increased efficiency but gives no figures.[3][1]

How does Ameris compare with United Community on AI?

United Community scores 38.7 on the disclosure index and Ameris 20.7. United Community's CEO reported fraud losses down 50% over two years partly thanks to vendors' AI, contact-center chatbots and AI-assisted programming (April 2026), and its bankers use Microsoft Copilot. Ameris's CEO described AI as an evolution used to build capacity and to review software contracts.[8][64][2]

Does Ameris have an AI virtual assistant like Erica?

Not one it has disclosed. Ameris's public AI material covers internal tools, contract review, premium-finance automation and customer education on AI-generated fraud. Bank of America says Erica helps more than 24.6 million clients, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026; Truist is the largest bank by deposits in Georgia.[1][15][76][78][79][80]

What has Ameris's CEO said about AI?

On the April 24, 2026 earnings call Palmer Proctor said 'AI here is more of an evolution than a revolution', used 'to build capacity, not so much to cut out expense', after reviewing processes in high-volume areas for automation. He added that AI helps read software contracts to find opportunities as vendors push longer lock-ins. AI was not discussed on the July 2026 call.[2][81][71]

How does Ameris's technology spending compare with its peers?

Ameris's data processing and communications expense was $32.4 million in the first half of 2026, up 7.1%. United Community's communications and equipment expense was $55.2 million in 2025, up 12% on new software contracts. Seacoast's outsourced data processing cost $37.6 million in 2025. BankUnited's software and cloud arrangements carried a gross cost of $121.8 million at end-2025.[16][82][47][13]

Who leads AI at Ameris?

No one holds an AI title. Ross Creasy, corporate executive vice president and chief information officer, runs technology, and the corporate information security officer, Jorge Perez, reports to him. Among peers, Pinnacle has a head of AI and ServisFirst's chief information and operations officer, Michael Lindsey, chose Covecta's agentic AI in September 2026.[1][83][5][6]

How does Ameris compare with Pinnacle and Synovus on AI?

Pinnacle, which merged with Synovus on January 1, 2026, scores 65.3 on the disclosure index against Ameris's 20.7. Pinnacle names a head of AI and almost 20 AI engineers, and its ChatPFP assistant had answered 18,000 banker questions by April 2026. Both banks sit in each other's markets: Synovus was fourth by Georgia deposits at June 30, 2025 and Ameris fifth.[84][5][4][27][80]

How does Ameris compare with Seacoast on AI?

Seacoast scores 42.1 on this site's disclosure index and Ameris 20.7. Seacoast adopted Quavo's agentic-AI dispute platform in December 2025, and an Abrigo case study says its AI loan-review assistant cut clean line sheets from 8 to 10 hours to 4 to 6, with human review of every output (October 2026). Ameris has named no AI vendor; its fraud tools are described without the AI label.[14][57][7]

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    Ameris Bancorp (SEC filings) · Feb 26, 2026
  2. Ameris (ABCB) Q1 2026 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Apr 24, 2026
  3. SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2)
    SouthState Bank Corporation (SEC filings) · Jul 23, 2026
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    Yahoo Finance (earnings call transcript) · Jul 23, 2026
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    American Banker · Apr 21, 2026
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    ServisFirst Bank · Sep 10, 2026
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    Ameris Bancorp (SEC filings) · Apr 7, 2026
  8. United Community Banks first-quarter 2026 earnings call transcript (filed under Rule 425)
    United Community Banks (SEC filings) · Apr 21, 2026
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    Hancock Whitney (SEC filings) · Feb 27, 2026
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    SEC EDGAR · Apr 10, 2026
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    Ameris Bancorp (SEC filings) · Feb 28, 2025
  12. Ameris Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2023
    Ameris Bancorp (SEC filings) · Feb 28, 2024
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    SEC EDGAR · Feb 26, 2026
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    Quavo (GlobeNewswire) · Dec 9, 2025
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    Ameris Bank · Sep 1, 2026
  16. Ameris Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Ameris Bancorp (SEC filings) · Aug 7, 2026
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    United Community Banks · Sep 1, 2026
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    Seacoast Banking Corporation of Florida (SEC filings) · Apr 10, 2026
  19. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking
    Fiserv (GlobeNewswire) · May 14, 2026
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    Earnings call transcript (The Motley Fool) · Jan 20, 2026
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    American Banker · May 14, 2026
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    American Banker · Apr 23, 2026
  26. AI and Treasury Management: More Opportunity, More Risk
    Pinnacle Financial Partners · Jun 1, 2026
  27. Pinnacle (PNFP) Q1 2026 Earnings Transcript
    The Motley Fool (earnings call transcript) · Apr 23, 2026
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    Amazon Web Services · Sep 24, 2026
  29. BankUnited Crushes CX With 104% Increase in Net Promoter Score
    Talkdesk · Mar 11, 2025
  30. Talkdesk shatters outdated customer experience paradigm with launch of Customer Experience Automation platform
    Talkdesk · Jun 11, 2025
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    Talkdesk · Sep 24, 2026
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    Seacoast Bank · Mar 5, 2025
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    ServisFirst Bancshares (SEC filings) · Aug 7, 2026
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    American Banker · Jun 3, 2026
  36. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients
    Hancock Whitney · Nov 12, 2025
  37. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider
    Hancock Whitney · Sep 9, 2026
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    Ameris Bancorp · Apr 23, 2026
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    United Community Banks · Mar 31, 2026
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    United Community Banks · Jun 12, 2026
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    Reuters · Aug 21, 2025
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    Seacoast Banking Corporation of Florida (SEC filings) · Jul 28, 2026
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    American Banker · May 30, 2025
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    The Motley Fool (earnings call transcript) · Apr 29, 2026
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    Hancock Whitney · Apr 21, 2026
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    StrategyCorps (PR Newswire) · Sep 17, 2026
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    Seacoast Banking Corporation of Florida (SEC filings) · Aug 4, 2026
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    Pinnacle Financial Partners (SEC filing) · Aug 4, 2026
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    Investing.com · Jul 24, 2026
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    Yahoo Finance · Jul 23, 2026
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    Hancock Whitney (SEC filings) · Mar 17, 2026
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    Seacoast Banking Corporation of Florida (SEC filings) · Mar 26, 2026
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    ServisFirst Bancshares (SEC filings) · Feb 27, 2026
  76. Cybersecurity and Fraud Trends for 2025 (undated page, retrieved 2026-09-24)
    Ameris Bank · Sep 24, 2026
  77. Navigating the Rise of AI-Generated Phishing Attacks
    BankUnited · Jun 4, 2026
  78. Bank of America Fast Facts (undated page, retrieved 2026-10-19)
    Bank of America Newsroom · Oct 19, 2026
  79. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K)
    Truist Financial (SEC filing) · Apr 17, 2026
  80. FDIC Summary of Deposits, Georgia branches, deposits aggregated by institution (June 30, 2025)
    FDIC · Jun 30, 2025
  81. Ameris (ABCB) Q1 2026 Earnings Call Transcript
    The Motley Fool (earnings call transcript) · Apr 24, 2026
  82. United Community Banks, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    United Community Banks (SEC filings) · Feb 17, 2026
  83. Ameris Bank Hires Jorge Perez as Corporate Information Security Officer
    Ameris Bank via PR Newswire · Aug 7, 2024
  84. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion
    Pinnacle Financial Partners · Jan 2, 2026

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