Arvest Bank vs peers
AI and technology compared

Last updated Oct 19, 2026 · 9 peers · 96 sources cited

How does Arvest Bank compare with its peers on AI and technology?

On this site's AI disclosure index Arvest scores 37.2 (#79 of 120 US banks), third in a ten-bank group of the largest deposit holders in Arkansas, Oklahoma, Missouri and Kansas, behind UMB (47.9) and BOK Financial (41.8) and ahead of Commerce (34) and Bank OZK (29.5). Its Arkansas rivals Simmons (3.6) and Home BancShares (3.5) sit at the bottom. What separates Arvest is its infrastructure. It became the first US bank to lend on Thought Machine's cloud-native Vault Core in October 2022, and by April 2025 it had moved 40% of targeted applications to Google Cloud, with modernization due to finish in 2027. Central Bancompany, by contrast, was still in the middle of its core conversion in April 2026. What Arvest lacks is a disclosed AI deployment. The Google tools it named in July 2022, Contact Center AI Insights and Document AI for commercial lending, have no reported rollout. Peers have put live AI on the record: BOK Financial's trust team saves about four hours per initial trust review with Vanilla (vendor-reported, August 2026), Central Bancompany has delivered 32.5 million Personetics insights, and Bank OZK is one of four banks co-developing Fiserv's agentOS agents (May 2026). Arvest also files no 10-K, so it has no AI governance text to set beside BOK Financial's 2025 10-K, which says each AI initiative is reviewed for data quality, bias, regulatory compliance and ethics. It competes on scale at home: it held $14.2 billion of Arkansas deposits at June 30, 2025, more than any other bank in the state.[1][2][3][4][5][6][7][8][9]

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

Where does Arvest lead its peers on AI?

01

The widest described use-case list in its four-state group

Arvest's profile describes 11 AI and technology use cases, first of 10 in the group. They range from Google Document AI and Contact Center AI Insights (named 2022) to Google AI Code Assist and Gemini for Workspace (under exploration in April 2025) and an agentic-AI security maturity assessment (May 2026). Simmons and Home BancShares describe no AI programme in their 2026 filings.[4][2][10][11][12]

02

A cloud-native core years ahead of its regional neighbors

Arvest launched an equipment-finance loan on Thought Machine's Vault Core in October 2022, the first US bank to lend on it, and reported 40% of targeted applications on Google Cloud by April 2025. Central Bancompany chose TCS BaNCS in March 2024 and had capitalized $12 million of core modernization by June 30, 2026, and Home BancShares converted its legacy platforms in June 2026.[1][2][13][14][15]

03

More AI on the record than its two largest Arkansas rivals

Arvest scores 37.2 on the index against 29.5 for Bank OZK, 3.6 for Simmons and 3.5 for Home BancShares. Simmons' 2026 proxy statement mentions AI zero times. Home BancShares' 2026 10-Qs mention it once each, in the forward-looking list. Arvest's chief information officer since December 2025, Jennifer Baker, holds a Cornell AI-strategy certification.[11][16][12][17]

Where does Arvest trail its peers on AI?

01

No AI deployment disclosed while BOK, Central and BancFirst report results

Arvest has reported no production use of the Google AI tools it named in 2022. BOK Financial's trust team saves about four hours per initial trust review with Vanilla (vendor-reported, August 2026). Central Bancompany reports 32.5 million Personetics insights and a 29% digital engagement rate (April 2026). BancFirst is a Webex AI Agent customer (Cisco, September 2025).[4][5][6][18]

02

The fewest dated AI moves in the group over the last 12 months

Arvest places 10th of 10 on dated moves in the last 12 months, with 9 against BOK Financial's 20. Its most recent entries are a Forbes ranking (April 2026) and a security engineer's endorsement of an AI security model (May 2026). Bank OZK was named a Fiserv agentOS co-developer in May 2026, and Commerce moved Commerce Trust onto SS&C Advent Genesis in June 2026.[19][10][7][20]

03

No AI governance disclosure, unlike BOK Financial and UMB

As a private bank Arvest files no 10-K or proxy statement. BOK Financial's 2025 10-K says its board gets periodic updates on AI governance and that each AI initiative is reviewed for data quality, bias, regulatory compliance and ethics. UMB's 2026 proxy statement places emerging technology, including AI, under the board Risk Committee.[8][21]

04

No digital-engagement figures to set beside Commerce and Central

Arvest discloses no digital user count or app rating. Commerce reported 82% digital penetration, a 4.7 app rating and 30% mobile deposit use (investor update, February 2026). Central Bancompany's 10-K cites a 4.9 iOS rating from more than 53,000 customer ratings and 310 mobile functionalities.[22][23]

Where does Arvest 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
UMB Financial47.9#61 of 1207149 of 1016Integration first: the Heartland systems conversion[24][25][26]
BOK Financial Corporation41.8#69 of 1209184 of 620Not disclosed
Arvest Bank (this page)37.2#79 of 1207124 of 119Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY)[17][27][28][29][1][4]
Commerce Bancshares34#84 of 1203216 of 1015Enterprise data strategy with an AI pillar; receivables automation for commercial clients[30][31][32][33]
Bank OZK29.5#89 of 1205154 of 818Not disclosed
First United Bank & Trust (Spend Life Wisely Company)26.7#93 of 1205138 of 1012Not disclosed
Central Bancompany24.7#95 of 1202118 of 1113In-house technology division and core modernisation programme[23][34][35][36][6]
BancFirst Corporation11.3#101 of 1203146 of 711Not disclosed
Simmons First National Corporation3.6#106 of 1205228 of 1019Not disclosed
Home BancShares (Centennial Bank)3.5#108 of 1206177 of 1017Not disclosed

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

Each row is one input of the index, counted on the profiles of Arvest and the 9 peers that are scored on the same basis. "Place" is Arvest's position in the group of 10 (1st = most).

Component (weight)ArvestPeer medianMost in the groupPlace
Independent sources (45%)75BOK Financial (9)2nd of 10
Use cases in production (10%)47UMB (9)8th of 10
Own primary disclosures (10%)1215Simmons Bank (22)9th of 10
Dated moves, last 12 months (10%)916BOK Financial (20)10th of 10
Disclosed numbers (5%)1212Centennial Bank (16)5th of 10
Named AI leaders (5%)78UMB (11)6th of 10
Use cases described (5%)1110Arvest (11)1st of 10

What has each bank in Arvest'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
Arvest BankMulti-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY)[17][27][28][29][1][4]7, incl. Matt Machen (President and CEO)[19]Employees (call report): 6,087 (Jun 30, 2026)[37]Not disclosedNot surveyed
Bank OZKNot disclosed9, incl. George Gleason (Chairman and CEO)[38][39]Full-time-equivalent employees: About 3,280 (3,028 a year earlier) (Dec 31, 2025)[40][41]5 patents listed on the profile, e.g. US 2015/0348186 A1 (Customer acquisition probability and risk-adjusted return-on-equity analysis)[42]0 open AI roles (Sep 24, 2026)
Simmons First National CorporationNot disclosed8, incl. Jay Brogdon (President and CEO)[43][44]Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026)[11]Not disclosedNot surveyed
Home BancShares (Centennial Bank)Not disclosed4, incl. John W. Allison (Chairman and CEO, Home BancShares)[45][46]Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025)[47][48][49]Not disclosed0 open AI roles (Sep 24, 2026)
BOK Financial CorporationNot disclosed9, incl. Stacy Kymes (President and CEO)[50][51]Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026)[52][53][54][55]Not disclosed3 open AI roles (Oct 13, 2026); most in AI engineering
BancFirst CorporationNot disclosed4, incl. David Harlow (President and Chief Executive Officer)[56][57]Full-time-equivalent employees: 2,260 (Dec 31, 2025)[56]Not disclosedNot surveyed
First United Bank & Trust (Spend Life Wisely Company)Not disclosed10, incl. Greg Massey (Chairman and CEO)[58]Employees (FDIC call report): 1,886 (end-2023: 1,945) (Jun 30, 2026)[59]Not disclosedNot surveyed
Commerce BancsharesEnterprise data strategy with an AI pillar; receivables automation for commercial clients[30][31][32][33]7, incl. John Kemper (President and CEO)[30][60]Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025)[22]Not disclosedNot surveyed
Central BancompanyIn-house technology division and core modernisation programme[23][34][35][36][6]6, incl. John 'JR' Ross (President and CEO)[61]Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026)[6]Not disclosedNot surveyed
UMB FinancialIntegration first: the Heartland systems conversion[24][25][26]11, incl. Mariner Kemper (Chairman and CEO)[62][25]Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026)[63][64][65][66]Not disclosedNot surveyed

What are the latest dated moves on the AI record of Arvest 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 16, 2026Simmons BankQ3 2026 call: technology and automation 'barely scratching the surface'[67]
Oct 15, 2026Centennial BankQ3 2026 call: Mountain Commerce conversion set for 6 November[68]
Oct 14, 2026Centennial BankRecord third-quarter 2026 results[69]
Oct 1, 2026CommerceNolan & Associates acquisition completed[70]
Sep 22, 2026Simmons BankInvestor Day set for 10 December 2026[71]
Sep 10, 2026First United BankBusiness fraud-awareness guidance[72]
Aug 31, 2026CommerceFraud guide says scammers use generative AI[73]
Aug 31, 2026Bank OZKU.S. Bank hires from Bank OZK for its Sun Belt push[74]
Aug 20, 2026UMB'Playing with the big boys'[75]
Aug 17, 2026BOK Financial18th for customer reputation[76]
Aug 14, 2026Central BankQ2 2026 10-Q: AI-related fraud and cyber risks monitored[14]
Aug 14, 2026Central BankQ2 2026 10-Q: $12 million of core modernisation capitalised[14]
Aug 13, 2026BOK FinancialVanilla case study: AI trust-document review[5]
Aug 11, 2026First United BankTransformation leader on technology as enterprise capability[77]
Aug 7, 2026BancFirst10-Q lists AI among technology and competition risks[78]
Jul 30, 2026UMBQ2 2026 10-Q has no AI language[79]
Jul 23, 2026BancFirstCEO Harlow's second-quarter comment omits AI[80]
Jul 22, 2026Bank OZKGleason sizes the RESG and CIB books[81]
May 5, 2026ArvestSecurity engineer on agentic-AI risk[10]
Apr 8, 2026Arvest20th among US banks on Forbes' World's Best Banks[19]

Which banks in Arvest's group have AI in use, and at what scale?

The AI each bank has said is live or in development, with any figure attached and its date. Vendor-reported figures are marked. A blank means nothing is disclosed, not that nothing exists.

BankAI in use or in developmentScale disclosedDate
ArvestGoogle Contact Center AI Insights and Document AI named in the Google Cloud deal; Google AI Code Assist and Gemini for Workspace under explorationNo deployment reportedJuly 2022; April 2025[4][2]
BOK FinancialVanilla AI review of trust and estate documents in Advisor Trust ServicesAbout four hours saved per initial trust review (vendor-reported)August 2026[5]
Central BancompanyPersonetics AI insights and advice in digital channels; AI-enabled cash-flow forecasting in a money-management tool32.5 million insights, 29% digital engagement (vendor-reported)March 2024; April 2026[36][6][23]
Bank OZKCo-developing AI agents on Fiserv's agentOS with three other banksDeployments due to begin in summer 2026 (disclosed by Fiserv)May 2026[7]
BancFirstWebex AI Agent for internal employee supportCustomer named by Cisco; no results disclosed by the bankSeptember 2025[18]
CommerceAI pillar and roadmap in its enterprise data strategy; AI receivables automation for commercial clientsNot disclosedFebruary 2026[30][32]
SimmonsIn-house mobile-deposit customer scoring built with Jack Henry (not described as machine learning)Fraud losses down 96%, to under 1 basis pointSeptember 2025[82]
First UnitedAI in process improvement, user experience and leadership development, per the bankNot disclosedDecember 2025[83]

How does Arvest's core and cloud program compare with its peers'?

The platform each bank runs or is moving to, as disclosed, with the date. AI tools need these foundations, which is why the comparison matters.

BankCore and platform moveStatusDate
ArvestThought Machine Vault Core beside Fiserv Signature; Google Cloud as primary cloudEquipment-finance loan live on Vault since October 2022; 40% of targeted applications in the cloud; completion due 2027April 2025[1][84][2]
Central BancompanyTCS BaNCS replacing an in-house core$12 million capitalized to date; 'still in the middle' of the conversion in AprilJune 30, 2026[13][3][14]
CommerceTemenos core for deposits, private-bank lending and FedNow payments2.5 million customers and 6.9 million accounts migrated in 2022February 2024[85][86]
Home BancSharesLegacy platforms converted; Mountain Commerce conversion nextConverted June 2026; Mountain Commerce in November 2026July 2026[15]
UMBHeartland Financial systems moved onto UMB platformsConversion completed in October 2025; 192 branches and 347 ATMsOctober 2025[25][87]
BOK FinancialCloud spend managed as a precondition for AI, per its chief data officerNot disclosedOctober 2025[88]

Who leads AI at Arvest compared with its peers?

Arvest has named no chief AI officer. Jennifer Baker, a former Synovus chief technology officer with a Cornell AI-strategy certification, became chief information officer in December 2025 in a newly designed role over all technology teams. Technology also sits under chief operating officer Yurik Paroubek. The CTO who built the new core, Ninish Ukkan, left for Fiserv in February 2026.[17][89][90]

Peers have put more structure on the record. BOK Financial's chief data and analytics officer, Shanthi Pudota, leads enterprise data and AI strategy (March 2026). First United's 2025 impact report names a director of AI program strategy and execution. Bank OZK's management comments of January and April 2026 say it has increased headcount in data, analytics, modeling and AI. UMB's board Risk Committee oversees emerging technology including AI.[91][58][92][93][21]

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

Arvest Bank is compared here with Bank OZK, Simmons First National Corporation, Home BancShares (Centennial Bank), BOK Financial Corporation, BancFirst Corporation, First United Bank & Trust (Spend Life Wisely Company), Commerce Bancshares, Central Bancompany and UMB Financial: chosen by the editors for this page (see the note below the table). Arvest Bank is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in banks from Florida, Georgia, West Virginia and the Pacific Northwest; this group holds the banks that hold the most deposits in Arvest's own four states, Arkansas, Oklahoma, Missouri and Kansas, by FDIC Summary of Deposits data for June 30, 2025.

Is Arvest better than Bank OZK at AI?

The record cannot settle capability, but Arvest has put more on it: 37.2 on this site's disclosure index against Bank OZK's 29.5. Arvest leads on infrastructure, with a cloud-native core and 40% of targeted applications on Google Cloud by April 2025. Bank OZK has more in development: Fiserv named it one of four banks co-developing agentOS AI agents in May 2026, and it says it has added data, modeling and AI staff.[2][1][7][93]

How does Arvest compare with BOK Financial on AI?

BOK Financial scores 41.8 on the disclosure index and Arvest 37.2. BOK has a named chief data and analytics officer leading AI strategy, an AI governance description in its 2025 10-K and a live AI tool in trust operations that saves about four hours per initial review (vendor-reported). Arvest has a more modern core but has reported no AI deployment and, as a private bank, publishes no 10-K.[91][8][5][1][4]

Does Arvest have an AI virtual assistant like Erica?

No, not one it has disclosed. Arvest's July 2022 Google Cloud agreement named Contact Center AI Insights for the contact center, but no deployment has been reported since. Bank of America says Erica helps more than 24.6 million clients. Among Arvest's regional peers, Central Bancompany runs Personetics AI insights in its digital channels.[4][94][36]

How does Arvest's core modernization compare with Commerce and Central Bancompany?

Arvest has run an equipment-finance loan on Thought Machine's Vault Core since October 2022, beside its Fiserv Signature core, and expects application modernization to finish in 2027. Commerce moved 2.5 million customers and 6.9 million accounts to Temenos in 2022. Central Bancompany chose TCS BaNCS in 2024 and had capitalized $12 million of the project by June 30, 2026.[1][84][2][85][13][14]

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

Arvest does not disclose it; as a private bank it publishes no income statement detail. Its peers do. BOK Financial spent $198.5 million on data processing and communications in 2025. Commerce's data processing and software expense was $38.2 million in the second quarter of 2026, up 16.2%. Central Bancompany's software and maintenance expense was $22.6 million in 2025.[8][95][23]

Who leads AI at Arvest?

No one holds an AI title. Chief information officer Jennifer Baker, appointed in December 2025, leads all technology teams and holds a Cornell AI-strategy certification. Executive director of IT Mark Chastain named Google's AI Code Assist and Gemini for Workspace as 2025 candidates. At BOK Financial, by contrast, a chief data and analytics officer leads AI strategy.[17][2][91]

Why does Arvest score below UMB on the AI index?

UMB scores 47.9 against Arvest's 37.2, mainly on primary disclosure and governance. UMB's 2025 10-K names AI seven times, its 2026 proxy puts AI under the board Risk Committee, and its CEO said on the first-quarter 2026 call that machine learning is being deployed across the organization. Arvest files no 10-K and holds no earnings calls, so its record rests on its newsroom, vendor releases and trade-press interviews with its technology staff.[96][21][65]

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    Arvest Bank (PR Newswire) · Feb 23, 2023
  2. Arvest Bank moves 40% of apps to cloud
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    earnings call transcript (The Motley Fool) · Apr 28, 2026
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    Investing.com · Jul 22, 2026
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    Jack Henry · Sep 10, 2025
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    Equipment Finance News · Mar 8, 2023
  85. Top US Bank, Commerce goes live with loan origination on Temenos banking platform
    Temenos · Feb 20, 2024
  86. Top US Bank, Commerce Bank, goes live on the FedNow Service with Temenos
    Temenos · May 15, 2024
  87. UMB Successfully Completes Systems and Brand Conversion Following Acquisition of Heartland Financial USA, Inc.
    Business Wire via Yahoo Finance · Oct 16, 2025
  88. AI shapes cloud spend amid adoption efforts
    CIO Dive · Oct 21, 2025
  89. Arvest CEO retires, COO to take over
    KNWA/KFTA (Yahoo Finance) · Nov 6, 2025
  90. Ninish Ukkan joins Fiserv as CIO of digital and financial services
    Bank Automation News · Feb 26, 2026
  91. Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile)
    American Banker · Mar 24, 2026
  92. Bank OZK Fourth Quarter and Full Year 2025 Management Comments
    Bank OZK · Jan 20, 2026
  93. Bank OZK Form 8-K and First Quarter 2026 Management Comments
    Bank OZK · Apr 21, 2026
  94. Bank of America Fast Facts (undated page, retrieved 2026-10-19)
    Bank of America Newsroom · Oct 19, 2026
  95. Commerce Bancshares, Inc. Quarterly Report on Form 10-Q for the quarter ended 30 June 2026
    Commerce Bancshares (SEC filings) · Aug 5, 2026
  96. UMB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    UMB Financial (SEC filings) · Feb 26, 2026

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