# Arvest Bank vs peers: AI and technology compared

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

*Part of the [Arvest Bank AI strategy profile](https://www.bankingnewsai.com/banks/arvest). Peer group: 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, UMB Financial.*

## 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. ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/28/cbc-q1-2026-earnings-transcript), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [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), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AAR%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json))

## Where does Arvest lead its peers on AI?

- **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. ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000112/homb-20260630.htm))
- **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. ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629))
- **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. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000095/homb-20260331.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000112/homb-20260630.htm), [Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer))

## Where does Arvest trail its peers on AI?

- **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). ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations))
- **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. ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list), [Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era), [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), [Yahoo Finance (SS&C via Business Wire)](https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html))
- **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. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm))
- **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. ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Arvest Bank (this page)](https://www.bankingnewsai.com/banks/arvest) | [37.2](https://www.bankingnewsai.com/banks/ai-index) | #79 of 120 | [7](https://www.bankingnewsai.com/banks/arvest#sources) | [12](https://www.bankingnewsai.com/banks/arvest#sources) | [4 of 11](https://www.bankingnewsai.com/banks/arvest#where) | [9](https://www.bankingnewsai.com/banks/arvest#timeline) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | [29.5](https://www.bankingnewsai.com/banks/ai-index) | #89 of 120 | [5](https://www.bankingnewsai.com/banks/bank-ozk#sources) | [15](https://www.bankingnewsai.com/banks/bank-ozk#sources) | [4 of 8](https://www.bankingnewsai.com/banks/bank-ozk#where) | [18](https://www.bankingnewsai.com/banks/bank-ozk#timeline) | Not disclosed |
| [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | [26.7](https://www.bankingnewsai.com/banks/ai-index) | #93 of 120 | [5](https://www.bankingnewsai.com/banks/first-united#sources) | [13](https://www.bankingnewsai.com/banks/first-united#sources) | [8 of 10](https://www.bankingnewsai.com/banks/first-united#where) | [12](https://www.bankingnewsai.com/banks/first-united#timeline) | Not disclosed |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | [11.3](https://www.bankingnewsai.com/banks/ai-index) | #101 of 120 | [3](https://www.bankingnewsai.com/banks/bancfirst#sources) | [14](https://www.bankingnewsai.com/banks/bancfirst#sources) | [6 of 7](https://www.bankingnewsai.com/banks/bancfirst#where) | [11](https://www.bankingnewsai.com/banks/bancfirst#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#timeline) | Not 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) | Arvest | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 5 | [BOK Financial (9)](https://www.bankingnewsai.com/banks/bok-financial) | 2nd of 10 |
| Use cases in production (10%) | 4 | 7 | [UMB (9)](https://www.bankingnewsai.com/banks/umb) | 8th of 10 |
| Own primary disclosures (10%) | 12 | 15 | [Simmons Bank (22)](https://www.bankingnewsai.com/banks/simmons) | 9th of 10 |
| Dated moves, last 12 months (10%) | 9 | 16 | [BOK Financial (20)](https://www.bankingnewsai.com/banks/bok-financial) | 10th of 10 |
| Disclosed numbers (5%) | 12 | 12 | [Centennial Bank (16)](https://www.bankingnewsai.com/banks/home-bancshares) | 5th of 10 |
| Named AI leaders (5%) | 7 | 8 | [UMB (11)](https://www.bankingnewsai.com/banks/umb) | 6th of 10 |
| Use cases described (5%) | 11 | 10 | [Arvest (11)](https://www.bankingnewsai.com/banks/arvest) | 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [7, incl. Matt Machen (President and CEO)](https://www.bankingnewsai.com/banks/arvest#people) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) | Employees (call report): 6,087 (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) | Not disclosed | Not surveyed |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Not disclosed | [9, incl. George Gleason (Chairman and CEO)](https://www.bankingnewsai.com/banks/bank-ozk#people) ([American Banker](https://www.americanbanker.com/news/bank-ozk-says-spike-in-chargeoffs-is-no-cause-for-alarm), [Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa)) | Full-time-equivalent employees: About 3,280 (3,028 a year earlier) (Dec 31, 2025) ([Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Bank OZK](https://ir.ozk.com/static-files/d6a51e6b-58c9-4542-a44a-111ce32e45a3)) | 5 patents listed on the profile, e.g. US 2015/0348186 A1 (Customer acquisition probability and risk-adjusted return-on-equity analysis) ([Google Patents (USPTO)](https://patents.google.com/patent/US20150348186A1/en)) | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/bank-ozk#roles) |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#roles) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | Not disclosed | [4, incl. David Harlow (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bancfirst#people) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [American Banker](https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival)) | Full-time-equivalent employees: 2,260 (Dec 31, 2025) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm)) | Not disclosed | Not surveyed |
| [First United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | Not disclosed | [10, incl. Greg Massey (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-united#people) ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) | Employees (FDIC call report): 1,886 (end-2023: 1,945) (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20)) | Not disclosed | Not surveyed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 10, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Business fraud-awareness guidance ([First United Bank](https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 31, 2026 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | U.S. Bank hires from Bank OZK for its Sun Belt push ([American Banker](https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 11, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Transformation leader on technology as enterprise capability ([Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology)) |
| Aug 7, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 23, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | CEO Harlow's second-quarter comment omits AI ([BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |
| Jul 22, 2026 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Gleason sizes the RESG and CIB books ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146)) |
| May 5, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| Apr 8, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 20th among US banks on Forbes' World's Best Banks ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) |

## 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.

| Bank | AI in use or in development | Scale disclosed | Date |
| --- | --- | --- | --- |
| Arvest | Google Contact Center AI Insights and Document AI named in the Google Cloud deal; Google AI Code Assist and Gemini for Workspace under exploration | No deployment reported | July 2022; April 2025 ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) |
| BOK Financial | Vanilla AI review of trust and estate documents in Advisor Trust Services | About four hours saved per initial trust review (vendor-reported) | August 2026 ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Central Bancompany | Personetics AI insights and advice in digital channels; AI-enabled cash-flow forecasting in a money-management tool | 32.5 million insights, 29% digital engagement (vendor-reported) | March 2024; April 2026 ([Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)) |
| Bank OZK | Co-developing AI agents on Fiserv's agentOS with three other banks | Deployments due to begin in summer 2026 (disclosed by Fiserv) | May 2026 ([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)) |
| BancFirst | Webex AI Agent for internal employee support | Customer named by Cisco; no results disclosed by the bank | September 2025 ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations)) |
| Commerce | AI pillar and roadmap in its enterprise data strategy; AI receivables automation for commercial clients | Not disclosed | February 2026 ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time)) |
| Simmons | In-house mobile-deposit customer scoring built with Jack Henry (not described as machine learning) | Fraud losses down 96%, to under 1 basis point | September 2025 ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) |
| First United | AI in process improvement, user experience and leadership development, per the bank | Not disclosed | December 2025 ([Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/)) |

## 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.

| Bank | Core and platform move | Status | Date |
| --- | --- | --- | --- |
| Arvest | Thought Machine Vault Core beside Fiserv Signature; Google Cloud as primary cloud | Equipment-finance loan live on Vault since October 2022; 40% of targeted applications in the cloud; completion due 2027 | April 2025 ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Equipment Finance News](https://equipmentfinancenews.com/news/lender-operations/arvest-bank-building-new-core), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) |
| Central Bancompany | TCS BaNCS replacing an in-house core | $12 million capitalized to date; 'still in the middle' of the conversion in April | June 30, 2026 ([Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/28/cbc-q1-2026-earnings-transcript), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Commerce | Temenos core for deposits, private-bank lending and FedNow payments | 2.5 million customers and 6.9 million accounts migrated in 2022 | February 2024 ([Temenos](https://temenos.com/news/2024/02/20/top-us-bank-commerce-goes-live-with-loan-origination-on-temenos-banking-platform), [Temenos](https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos)) |
| Home BancShares | Legacy platforms converted; Mountain Commerce conversion next | Converted June 2026; Mountain Commerce in November 2026 | July 2026 ([Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629)) |
| UMB | Heartland Financial systems moved onto UMB platforms | Conversion completed in October 2025; 192 branches and 347 ATMs | October 2025 ([American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [Business Wire via Yahoo Finance](https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html)) |
| BOK Financial | Cloud spend managed as a precondition for AI, per its chief data officer | Not disclosed | October 2025 ([CIO Dive](https://ciodive.com/news/ai-drives-cloud-spend-focus/803279)) |

## 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. ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [KNWA/KFTA (Yahoo Finance)](https://finance.yahoo.com/news/arvest-ceo-retires-coo-over-182143122.html), [Bank Automation News](https://bankautomationnews.com/strategy/ninish-ukkan-joins-fiserv-as-cio-of-digital-and-financial-services))

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. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Bank OZK](https://ir.ozk.com/4Q25_Management_Comments), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm))

## 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.

## Common questions

### 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. ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [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), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073))

### 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. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud))

### 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. ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html))

### 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. ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Equipment Finance News](https://equipmentfinancenews.com/news/lender-operations/arvest-bank-building-new-core), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Temenos](https://temenos.com/news/2024/02/20/top-us-bank-commerce-goes-live-with-loan-origination-on-temenos-banking-platform), [Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm))

### 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. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm))

### 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. ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))

### 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. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html))

## Peers on this site

- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) · [vs peers](https://www.bankingnewsai.com/banks/bank-ozk/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)
- [First United Bank & Trust (Spend Life Wisely Company) AI strategy](https://www.bankingnewsai.com/banks/first-united) · [vs peers](https://www.bankingnewsai.com/banks/first-united/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)

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87. UMB Successfully Completes Systems and Brand Conversion Following Acquisition of Heartland Financial USA, Inc. — Business Wire via Yahoo Finance, Oct 16, 2025. https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html
88. AI shapes cloud spend amid adoption efforts — CIO Dive, Oct 21, 2025. https://ciodive.com/news/ai-drives-cloud-spend-focus/803279
89. Arvest CEO retires, COO to take over — KNWA/KFTA (Yahoo Finance), Nov 6, 2025. https://finance.yahoo.com/news/arvest-ceo-retires-coo-over-182143122.html
90. Ninish Ukkan joins Fiserv as CIO of digital and financial services — Bank Automation News, Feb 26, 2026. https://bankautomationnews.com/strategy/ninish-ukkan-joins-fiserv-as-cio-of-digital-and-financial-services
91. Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile) — American Banker, Mar 24, 2026. https://digital-banking.americanbanker.com/profile/shanthi-pudota
92. Bank OZK Fourth Quarter and Full Year 2025 Management Comments — Bank OZK, Jan 20, 2026. https://ir.ozk.com/4Q25_Management_Comments
93. Bank OZK Form 8-K and First Quarter 2026 Management Comments — Bank OZK, Apr 21, 2026. https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073
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95. Commerce Bancshares, Inc. Quarterly Report on Form 10-Q for the quarter ended 30 June 2026 — Commerce Bancshares (SEC filings), Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm
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. https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm

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