# Ameris Bancorp vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/ameris/vs-peers
Last updated: Oct 19, 2026

*Part of the [Ameris Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/ameris). Peer group: United Community Banks, SouthState Bank, Pinnacle Financial Partners, Seacoast Banking Corporation of Florida, Renasant Corporation, Hancock Whitney, ServisFirst Bancshares, BankUnited.*

## 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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm))

## Where does Ameris lead its peers on AI?

- **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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156925000006/abcb-20241231.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156924000006/abcb-20231231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm))
- **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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html))
- **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. ([Ameris Bank](https://www.amerisbank.com/small-business/loans/insurance-premium-financing), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm), [United Community Banks](https://ir.ucbi.com/node/23736/pdf))

## Where does Ameris trail its peers on AI?

- **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). ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))
- **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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm))
- **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). ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html))
- **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). ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | [63.5](https://www.bankingnewsai.com/banks/ai-index) | #44 of 120 | [7](https://www.bankingnewsai.com/banks/bankunited#sources) | [26](https://www.bankingnewsai.com/banks/bankunited#sources) | [10 of 15](https://www.bankingnewsai.com/banks/bankunited#where) | [19](https://www.bankingnewsai.com/banks/bankunited#timeline) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | [42.1](https://www.bankingnewsai.com/banks/ai-index) | #67 of 120 | [4](https://www.bankingnewsai.com/banks/seacoast#sources) | [18](https://www.bankingnewsai.com/banks/seacoast#sources) | [10 of 11](https://www.bankingnewsai.com/banks/seacoast#where) | [14](https://www.bankingnewsai.com/banks/seacoast#timeline) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | [39.7](https://www.bankingnewsai.com/banks/ai-index) | #72 of 120 | [7](https://www.bankingnewsai.com/banks/servisfirst#sources) | [13](https://www.bankingnewsai.com/banks/servisfirst#sources) | [4 of 6](https://www.bankingnewsai.com/banks/servisfirst#where) | [17](https://www.bankingnewsai.com/banks/servisfirst#timeline) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | [38.7](https://www.bankingnewsai.com/banks/ai-index) | #75 of 120 | [4](https://www.bankingnewsai.com/banks/united-community#sources) | [27](https://www.bankingnewsai.com/banks/united-community#sources) | [8 of 13](https://www.bankingnewsai.com/banks/united-community#where) | [21](https://www.bankingnewsai.com/banks/united-community#timeline) | Not disclosed |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | [37.4](https://www.bankingnewsai.com/banks/ai-index) | #78 of 120 | [4](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [20](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [5 of 11](https://www.bankingnewsai.com/banks/hancock-whitney#where) | [13](https://www.bankingnewsai.com/banks/hancock-whitney#timeline) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| [Ameris Bancorp (this page)](https://www.bankingnewsai.com/banks/ameris) | [20.7](https://www.bankingnewsai.com/banks/ai-index) | #97 of 120 | [2](https://www.bankingnewsai.com/banks/ameris#sources) | [18](https://www.bankingnewsai.com/banks/ameris#sources) | [9 of 11](https://www.bankingnewsai.com/banks/ameris#where) | [14](https://www.bankingnewsai.com/banks/ameris#timeline) | Not disclosed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | [2.4](https://www.bankingnewsai.com/banks/ai-index) | #111 of 120 | [2](https://www.bankingnewsai.com/banks/renasant#sources) | [24](https://www.bankingnewsai.com/banks/renasant#sources) | [12 of 12](https://www.bankingnewsai.com/banks/renasant#where) | [12](https://www.bankingnewsai.com/banks/renasant#timeline) | Not 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) | Ameris | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 2 | 5.5 | [SouthState (12)](https://www.bankingnewsai.com/banks/southstate) | 8th of 9 |
| Use cases in production (10%) | 9 | 9.5 | [Renasant (12)](https://www.bankingnewsai.com/banks/renasant) | 5th of 9 |
| Own primary disclosures (10%) | 18 | 19 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 5th of 9 |
| Dated moves, last 12 months (10%) | 14 | 18 | [United Community (21)](https://www.bankingnewsai.com/banks/united-community) | 6th of 9 |
| Disclosed numbers (5%) | 11 | 13 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 9th of 9 |
| Named AI leaders (5%) | 9 | 9 | [Pinnacle (12)](https://www.bankingnewsai.com/banks/pinnacle) | 5th of 9 |
| Use cases described (5%) | 11 | 12 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Not disclosed | [9, incl. Palmer Proctor (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ameris#people) ([Ameris Bancorp](https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) | Full-time-equivalent employees: 2,673 (Dec 31, 2025) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm)) | Not disclosed | [1 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/ameris#roles) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | Not disclosed | [6, incl. Lynn Harton (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/united-community#people) ([United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment), [United Community Banks (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Not disclosed | Not surveyed |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [10, incl. John Corbett (Chief Executive Officer)](https://www.bankingnewsai.com/banks/southstate#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1)) | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | None found (the profile's patent search) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/southstate#roles) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) | [10, incl. Charles M. Shaffer (Chairman and CEO)](https://www.bankingnewsai.com/banks/seacoast#people) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [American Banker](https://americanbanker.com/news/seacoast-to-buy-the-bank-of-the-villages-in-florida)) | Full-time-equivalent employees: 1,962 (Dec 31, 2025) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) | 1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240020590A1/en)) | Not surveyed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Not disclosed | [2, incl. Kevin D. Chapman (President and CEO)](https://www.bankingnewsai.com/banks/renasant#people) ([Renasant Corporation](https://investors.renasant.com/node/25476/pdf), [Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html)) | Full-time equivalent employees, Renasant plus The First: mid-2024 vs 31 March 2026: ≈ 3,400 vs ≈ 2,950 (down 450) (Apr 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript)) | Not disclosed | Not surveyed |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [8, incl. John Hairston (President and CEO)](https://www.bankingnewsai.com/banks/hancock-whitney#people) ([Hancock Whitney](https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57), [American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank)) | New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | Not disclosed | Not surveyed |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) | [5, incl. Tom Broughton (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/servisfirst#people) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [American Banker](https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas)) | Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html)) | Not disclosed | Not surveyed |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [11, incl. Rajinder Singh (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/bankunited#people) ([BankUnited](https://ir.bankunited.com/node/13726/pdf)) | Not disclosed | Not disclosed | Not 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 8, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| Oct 2, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Oct 1, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Edmonds profiled for tokenized-deposit and instant-payments work ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank)) |
| Sep 18, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| Sep 17, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Vendor StrategyCorps buys AI-native Quantuma ([StrategyCorps (PR Newswire)](https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html)) |
| Sep 15, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Trade press frames Covecta as a third US bank client ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents)) |
| Sep 14, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Named as a Microsoft Copilot adopter ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| Sep 10, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Selects Covecta to deploy agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Sep 9, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| Aug 7, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Second-quarter 2026 10-Q ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-20260630.htm)) |
| Aug 7, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| Aug 6, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| Aug 5, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Q2 2026 10-Q repeats the two AI references ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-20260630.htm)) |
| Aug 4, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Q2 2026 10-Q widens its AI risk language ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026031220/sbcf-20260331.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| Jul 24, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 call: no AI discussion ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964)) |
| Jul 22, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 call: staying out of data-centre lending ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html)) |

## 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.

| Bank | AI tool or program | Scale disclosed | Date |
| --- | --- | --- | --- |
| Ameris | Generative AI and machine-learning tools in limited internal use; AI for software-contract review; RPA in premium finance | No usage figure; 10-K says efficiency increased | February and April 2026 ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html), [Ameris Bank](https://www.amerisbank.com/small-business/loans/insurance-premium-financing)) |
| SouthState | Microsoft Copilot and a GenAI Knowledge Assistant; about 90% of credit spreads done by AI | 2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a day | June 30, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Pinnacle | ChatPFP assistant and an AI engineering team under a head of AI | 18,000 banker questions answered; almost 20 AI engineers | April and July 2026 ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) |
| United Community | Vendor AI in fraud; contact-center chatbots; AI-assisted programming; Microsoft Copilot for bankers | Fraud losses down 50% over two years | April and September 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| BankUnited | Talkdesk AI contact center with agent assist and self-service; internal policy chatbot on AWS | Net promoter score up 104% (Talkdesk-reported); 95% accuracy across about 400 policy documents (AWS) | 2025 ([Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/)) |
| Seacoast | Quavo agentic-AI dispute management; Abrigo AI Loan Review Assistant | Clean line sheets cut from 8 to 10 hours to 4 to 6 (Abrigo-reported) | December 2025; October 2026 ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| ServisFirst | Covecta agentic AI in operational workflows | Not disclosed | September 10, 2026 ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Hancock Whitney | AI tools in the cybersecurity program; MX-built mobile app | 80% of new checking accounts digitally active (Q4 2025) | February 2026 ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript)) |

## 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.

| Bank | AI owner or body | What it does | Where disclosed |
| --- | --- | --- | --- |
| Ameris | None named; CIO Ross Creasy, with the CISO reporting to him | Board Enterprise Risk Committee reviews the cybersecurity risk profile quarterly; the 10-K warns vendors may add AI without the bank's prior knowledge | 2025 10-K (February 2026) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm)) |
| Hancock Whitney | AI Working Group (Legal, Compliance, Risk, IT) | Approves AI use cases under board oversight; the proxy puts AI risk under the Board Risk Committee | 2025 10-K and 2026 proxy ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm)) |
| BankUnited | AI and Data Advisory Group, formed July 2025 | Management updates the Risk Committee on AI models and initiatives; directors had AI training in 2025 | 2026 proxy ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm)) |
| Pinnacle | Head of AI, Kevin Johnson | Leads the bank's AI initiatives | American Banker (2026) ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) |
| Seacoast | Board Information Technology Committee | Charter lists AI among the technology risks it assesses; Principal Financial's CIO Kathy Kay joined the board in March 2026 | 2026 proxy and 8-K ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026021408/sbcfpressrelease20260326.htm)) |
| ServisFirst | Chief information and operations officer Michael Lindsey | Chairs the Information Technology Steering Committee; chose Covecta | 2025 10-K; September 2026 ([ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |

## 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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf))

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. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm))

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. ([Ameris Bank](https://www.amerisbank.com/personal/financial-education/ameris-advice/managing-your-money/cybersecurity-and-fraud-trends-for-2025), [BankUnited](https://bankunited.com/resource-corner/navigating-the-rise-of-ai-generated-phishing-attacks), [United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover))

## 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.

## Common questions

### 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. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm))

### 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. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html))

### 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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [Ameris Bank](https://www.amerisbank.com/small-business/loans/insurance-premium-financing), [Ameris Bank](https://www.amerisbank.com/personal/financial-education/ameris-advice/managing-your-money/cybersecurity-and-fraud-trends-for-2025), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AGA%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json))

### 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/24/ameris-abcb-q1-2026-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964))

### 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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm))

### 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. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [Ameris Bank via PR Newswire](https://prnewswire.com/news-releases/ameris-bank-hires-jorge-perez-as-corporate-information-security-officer-302216581.html), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations))

### 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. ([Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AGA%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json))

### 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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf))

## Peers on this site

- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)
- [Renasant Corporation AI strategy](https://www.bankingnewsai.com/banks/renasant) · [vs peers](https://www.bankingnewsai.com/banks/renasant/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [ServisFirst Bancshares AI strategy](https://www.bankingnewsai.com/banks/servisfirst) · [vs peers](https://www.bankingnewsai.com/banks/servisfirst/vs-peers)
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)

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84. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion

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