# Atlantic Union Bankshares vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/atlantic-union/vs-peers
Last updated: Oct 20, 2026

*Part of the [Atlantic Union Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/atlantic-union). Peer group: United Bankshares, TowneBank, F.N.B. Corporation, Fulton Financial Corporation, SouthState Bank, WesBanco, Pinnacle Financial Partners, Hancock Whitney.*

## How does Atlantic Union Bankshares compare with its peers on AI and technology?

On this site's AI disclosure index Atlantic Union scores 53.7 (#52 of 120 US banks), fourth in a nine-bank group of Mid-Atlantic and Southeast regionals behind SouthState (70.9), Pinnacle (65.3) and F.N.B. (60.2), and ahead of Fulton (44.3), TowneBank (38.8) and United Bankshares (2). Its distinctive record is engineering, not a branded AI program. For the October 2025 Sandy Spring conversion its CIO's ten-person team wrote code that checked more than 80 million values instead of sampling about 10%, and call-center abandonment came in at 13% against a 50% to 70% forecast. Its plan is explicitly a 'fast follower' one: the December 2025 investor-day deck put governance, vendor pilots and internal productivity first, with an AI-enhanced chatbot and AI call-center quality control still on the roadmap. That leaves it behind peers that have shipped employee AI at scale: SouthState reports 2,500+ premium Copilot users (June 2026), and Fulton put Salesforce Agentforce agents in front of 3,000 employees within six weeks (September 2026). Against the large banks in Virginia the gap is scale. Truist holds 21.3% of Virginia deposits in the investor-day table against Atlantic Union's 8.9%, Bank of America says Erica helps more than 24.6 million clients, and Wells Fargo passed 1 billion Fargo interactions in March 2026. Atlantic Union's CIO says a regional bank 'is not going to have the funding to buy all the latest tech'; its 2026 expense guidance is $742 million to $752 million in total. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697))

## Where does Atlantic Union lead its peers on AI?

- **The best-documented merger conversion in the group.** Atlantic Union's October 2025 Sandy Spring conversion validated more than 80 million values with no sampling, returned call volumes to normal in six days and held abandonment to 13% against a 50% to 70% forecast. Fulton converted Blue Foundry about three months after closing and TowneBank converts Dogwood in November 2026, but neither has published validation or service figures. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [TowneBank](https://townebank.com/about-towne/news-room/2026/completionofdogwoodstatebank))
- **Third in the group on independent coverage.** Atlantic Union scores 10 on independent sources, third of nine behind SouthState (12) and well above the group median of 5. Its CIO Matt Linderman was ranked #31 on American Banker's 2026 Most Innovative People in Finance list for the conversion; United Bankshares scores 3 and has named no AI program, vendor or leader in its releases. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html))
- **A named fintech stack where several peers name none.** Atlantic Union's December 2025 investor-day deck lists Socure for machine-learning identity verification and fraud, Salesforce, nCino, Blend, Q2 and MuleSoft, and an aim to reduce reliance on one core vendor. WesBanco and United Bankshares disclose no AI platform on this site's profiles; F.N.B. names its own eStore and Common app. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1))
- **The largest Virginia-headquartered regional bank.** Atlantic Union's 10-K puts its Virginia deposit share at 6.3% and Maryland at 4.8% (FDIC data, June 30, 2025). In the investor-day table of Virginia banks, which leaves out branches with more than $6 billion of deposits, it ranks 4th with $20.4 billion, ahead of TowneBank (5.6%) and United Bankshares (4.2%). ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000021/aub-20251231x10k.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm))

## Where does Atlantic Union trail its peers on AI?

- **No customer-facing AI assistant, while the large banks in Virginia have theirs.** An AI-enhanced chatbot is on Atlantic Union's consumer roadmap, not in production (December 2025 deck). In its Virginia market Bank of America says Erica helps more than 24.6 million clients, Wells Fargo passed 1 billion Fargo interactions in March 2026, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm))
- **Fewer use cases in production than most peers.** Atlantic Union's profile records 5 of 12 AI use cases in production, 7th of 9 in the group; Fulton records 10 of 12 and TowneBank 9 of 12. Fulton runs NICE generative-AI agent assist and Agentforce agents; TowneBank runs Talkdesk Copilot in its contact center. Atlantic Union's call-center AI screening is announced, not live. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/))
- **No dedicated AI leader, unlike Pinnacle and F.N.B..** No chief AI or data officer is named at Atlantic Union; the CIO, Matt Linderman, owns the AI agenda. Pinnacle names a head of AI, Kevin Johnson, and F.N.B. hired a director of AI and innovation who works with its Data and AI Governance Committee. Atlantic Union places 5th of 9 on named AI leaders. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918))
- **Silent on AI in its 2026 earnings calls.** The Q1 (April 21) and Q2 (July 21, 2026) call transcripts contain no AI discussion, and Atlantic Union scores 14 on its own primary disclosures, 8th of 9 against a group median of 21.5. F.N.B.'s management named AI among the drivers of its 2026 expense guidance in April 2026. ([The Motley Fool](https://www.fool.com/earnings/call-transcripts/2026/04/21/atlantic-union-aub-q1-2026-earnings-transcript/), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-corporation-q1-123000791.html))

## Where does Atlantic Union 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)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [Atlantic Union Bankshares (this page)](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [TowneBank](https://www.bankingnewsai.com/banks/townebank) | [38.8](https://www.bankingnewsai.com/banks/ai-index) | #74 of 120 | [4](https://www.bankingnewsai.com/banks/townebank#sources) | [13](https://www.bankingnewsai.com/banks/townebank#sources) | [9 of 12](https://www.bankingnewsai.com/banks/townebank#where) | [17](https://www.bankingnewsai.com/banks/townebank#timeline) | Technology organisation under CIO Varun Chandhok; Talkdesk contact centre, SAS analytics and Microsoft Copilot ([TowneBank](https://townebank.com/about-towne/news-room/2026/varunchandhok), [TowneBank (from The CEO Magazine)](https://www.townebank.com/about-towne/news-room/2025/information-superhighway-denys-diaz/), [Talkdesk](https://www.talkdesk.com/customers/townebank/), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [Talkdesk (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/18/3346962/0/en/talkdesk-transforms-the-bank-branch-into-an-ai-powered-advisory-hub.html), [SAS (PR Newswire)](https://www.prnewswire.com/news-releases/banking-on-cloud-townebank-primes-for-continued-growth-with-sas-302153251.html), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1), [TowneBank](https://townebank.com/personal/resource/security/fraud/ai-scams)) |
| [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)) |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | [26.9](https://www.bankingnewsai.com/banks/ai-index) | #92 of 120 | [2](https://www.bankingnewsai.com/banks/wesbanco#sources) | [23](https://www.bankingnewsai.com/banks/wesbanco#sources) | [9 of 12](https://www.bankingnewsai.com/banks/wesbanco#where) | [17](https://www.bankingnewsai.com/banks/wesbanco#timeline) | Not disclosed |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | [2](https://www.bankingnewsai.com/banks/ai-index) | #116 of 120 | [3](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [25](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [5 of 8](https://www.bankingnewsai.com/banks/united-bankshares#where) | [13](https://www.bankingnewsai.com/banks/united-bankshares#timeline) | Not disclosed |

## On which parts of the AI record is Atlantic Union ahead of or behind its peers?

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

| Component (weight) | Atlantic Union | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 10 | 5 | [SouthState (12)](https://www.bankingnewsai.com/banks/southstate) | 3rd of 9 |
| Use cases in production (10%) | 5 | 9 | [Fulton (10)](https://www.bankingnewsai.com/banks/fulton) | 7th of 9 |
| Own primary disclosures (10%) | 14 | 21.5 | [United Bank (25)](https://www.bankingnewsai.com/banks/united-bankshares) | 8th of 9 |
| Dated moves, last 12 months (10%) | 19 | 17 | [FNB (21)](https://www.bankingnewsai.com/banks/fnb) | 4th of 9 |
| Disclosed numbers (5%) | 14 | 13.5 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 4th of 9 |
| Named AI leaders (5%) | 8 | 8.5 | [Pinnacle (12)](https://www.bankingnewsai.com/banks/pinnacle) | 5th of 9 |
| Use cases described (5%) | 12 | 12 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 3rd of 9 |

## What has each bank in Atlantic Union'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 |
| --- | --- | --- | --- | --- | --- |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [6, incl. Richard M. Adams Jr. (Chief Executive Officer)](https://www.bankingnewsai.com/banks/united-bankshares#people) ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-celebrates-187-years-of-service.html)) | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) | Not disclosed | Not surveyed |
| [TowneBank](https://www.bankingnewsai.com/banks/townebank) | Technology organisation under CIO Varun Chandhok; Talkdesk contact centre, SAS analytics and Microsoft Copilot ([TowneBank](https://townebank.com/about-towne/news-room/2026/varunchandhok), [TowneBank (from The CEO Magazine)](https://www.townebank.com/about-towne/news-room/2025/information-superhighway-denys-diaz/), [Talkdesk](https://www.talkdesk.com/customers/townebank/), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [Talkdesk (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/18/3346962/0/en/talkdesk-transforms-the-bank-branch-into-an-ai-powered-advisory-hub.html), [SAS (PR Newswire)](https://www.prnewswire.com/news-releases/banking-on-cloud-townebank-primes-for-continued-growth-with-sas-302153251.html), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1), [TowneBank](https://townebank.com/personal/resource/security/fraud/ai-scams)) | [9, incl. William I. Foster III (President and CEO)](https://www.bankingnewsai.com/banks/townebank#people) ([TowneBank (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/23/3331831/0/en/TowneBank-Reports-Second-Quarter-2026-Earnings.html)) | Full-time equivalent employees: 2,976 (Dec 31, 2025) ([TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1)) | Not disclosed | Not surveyed |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#roles) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | 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) |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Not disclosed | [5, incl. Jeff Jackson (President and CEO)](https://www.bankingnewsai.com/banks/wesbanco#people) ([WesBanco](https://wesbanco.com/wp-content/uploads/2026/03/2025-Annual-Report-ADA-Compliant.pdf), [WesBanco (PR Newswire)](https://www.prnewswire.com/news-releases/wesbanco-announces-second-quarter-2026-financial-results-302831242.html)) | Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) | Not disclosed | Not surveyed |
| [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 |
| [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 |

## What are the latest dated moves on the AI record of Atlantic Union 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 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| Oct 6, 2026 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | blueharbor bank acquisition announced ([Banking Dive](https://bankingdive.com/news/townebank-blueharbor-deal-north-carolina-bank-acquisition-targets/832513), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/townebank-agrees-acquire-blueharbor-bank-145031180.html)) |
| 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 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 23, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Charleston operations centre opens ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html)) |
| 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 27, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| Aug 18, 2026 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | Talkdesk cites TowneBank as an automation reference ([Talkdesk (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/18/3346962/0/en/talkdesk-transforms-the-bank-branch-into-an-ai-powered-advisory-hub.html)) |
| Aug 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| 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 6, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 5, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.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 30, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q2 2026 10-Q has no AI language ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526326145/wsbc-20260630.htm)) |
| Jul 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## How do Atlantic Union's digital services compare with the large banks in its home state?

Virginia deposit share and branches come from the table in Atlantic Union's December 2025 investor-day deck (FDIC and SNL data as of June 30, 2025, pro forma, excluding branches with more than $6 billion of deposits, which removes headquarters deposits such as Capital One's). A blank means nothing is disclosed, not that nothing exists.

| Bank | Virginia deposit share and branches | Customer AI assistant | Digital scale disclosed | Employee AI |
| --- | --- | --- | --- | --- |
| Atlantic Union | 4th, 8.9%, 131 branches | None in production; an AI-enhanced chatbot is on the consumer roadmap (December 2025) | More than 800,000 customers across four jurisdictions; no digital-user count | LLMs 'like Chat GPT or Copilot' planned for teammate productivity; AI screening of every call-center recording announced as the first major deployment ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Business Wire (via Morningstar)](https://www.morningstar.com/news/business-wire/20260616510067/atlantic-union-bank-selects-spiral-to-boost-customer-savings-and-community-impact-through-everyday-banking), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| Truist | 1st, 21.3%, 259 branches | Truist Assist: 12.5 million+ requests from 2023 to March 2026, 9 million+ handled end to end by AI | 5.4 million active mobile users; about 85% of client logins on mobile (2Q26) | AI Call Summaries: 4.5 million+ summaries (September 2026) ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions)) |
| Wells Fargo | 2nd, 14.5%, 178 branches | Fargo: more than 1 billion interactions in under three years (March 2026) | More than 33 million mobile active users (February 2026) | Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025) ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/)) |
| Bank of America | 3rd, 10.5%, 98 branches | Erica: helps more than 24.6 million clients; 3.6 billion interactions since 2018 | 60 million clients use its digital capabilities | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Bank of America (SEC filings)](https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm)) |
| Capital One | 8th, 1.8%, 20 branches (headquarters deposits excluded by the table's cut-off) | Eno, live since March 2017; no interaction or user count published | Largest US credit card issuer by outstanding card loans (December 31, 2025) | Generative models customized in-house; MACAW summarizes fraud calls for staff ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Capital One](https://www.capitalone.com/digital/gai-transparency/), [VentureBeat (sponsored by Capital One)](https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models)) |

## How does Atlantic Union's employee AI compare with its regional peers'?

Internal assistants and contact-center AI that each bank has put on the record, with the date.

| Bank | Tool or program | Scale or result disclosed | Status and date |
| --- | --- | --- | --- |
| Atlantic Union | AI screening of every call-center recording; LLMs for teammates; Socure machine-learning identity verification | Manual review of about 10% of calls today, AI to screen 100% | Announced (June 2026); Socure in production (December 2025) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| SouthState | Microsoft Copilot and a GenAI Knowledge Assistant | 2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a day | In production (June 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Fulton | Salesforce Agentforce agents; NICE CXone generative-AI agent assist | 3,000 employees using Agentforce six weeks after the first agent; more than 3 million customer interactions a year on NICE | In production (September 2026) ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| TowneBank | Talkdesk Copilot in the contact center; Microsoft Copilot for bankers | Talkdesk reports a 23-second cut in average handle time (vendor figure); Copilot rarely used by many bankers | In production; Copilot rolling out (2025 to 2026) ([Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/)) |
| F.N.B. | Opportunity IQ AI cross-sell; 10 AI-enabled fraud tools | About 190,000 leads a quarter in 2025 | In production (November 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) |
| Pinnacle | ChatPFP and an AI engineering team | 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)) |

## How does Atlantic Union's merger technology compare with peers that are also integrating deals?

Most banks in this group have bought another bank since 2025. What each has disclosed about the systems conversion.

| Bank | Deal | Conversion | What is disclosed about the technology |
| --- | --- | --- | --- |
| Atlantic Union | Sandy Spring Bancorp, about $1.3 billion in stock, closed April 1, 2025 | October 2025, completed October 14 | Every field validated, more than 80 million values; real-time operations dashboard; abandonment 13% against a 50% to 70% forecast ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/195/atlantic-union-bankshares-corporation-completes-acquisition), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| TowneBank | Old Point (September 2025) and Dogwood State Bank (January 2026) | Dogwood core systems convert in November 2026 | Talkdesk says the contact center handled 200+ simultaneous calls during a conversion (vendor figure) ([TowneBank](https://townebank.com/about-towne/news-room/2026/completionofdogwoodstatebank), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/)) |
| Fulton | Blue Foundry, $243 million in stock | July 11, 2026, about three months after the April 1 close | An AI chatbot on the Blue Foundry welcome page ([American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Bank](https://www.fultonbank.com/WelcomeBlueFoundry)) |
| Pinnacle | Synovus, merged January 1, 2026 | Systems conversion and a new banking app in March 2027 | More than 200,000 customers moving to the new app ([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://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |

## Which banks are Atlantic Union's peers, and why these?

Atlantic Union Bankshares is compared here with United Bankshares, TowneBank, F.N.B. Corporation, Fulton Financial Corporation, SouthState Bank, WesBanco, Pinnacle Financial Partners and Hancock Whitney: chosen by the editors for this page (see the note below the table). Atlantic Union Bankshares is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in Florida banks (BankUnited, City National Bank of Florida, EverBank) that do not operate in Atlantic Union's Virginia, Maryland, Washington, D.C. and North Carolina footprint; this group holds the regional banks that do (United Bankshares, TowneBank, F.N.B., Fulton, SouthState, WesBanco, Pinnacle), and every one of them, with Hancock Whitney, sits in Atlantic Union's own 2025 compensation peer group in its 2026 proxy.

## Common questions

### Does Atlantic Union have an AI virtual assistant like Erica or Fargo?

Not yet. Atlantic Union's December 2025 investor-day deck puts an AI-enhanced chatbot on its consumer roadmap under a 'fast follower' strategy that starts with internal, low-risk uses. Bank of America says Erica helps more than 24.6 million clients, and Wells Fargo says Fargo passed 1 billion interactions in March 2026. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones))

### Is Atlantic Union better than TowneBank at AI?

The record cannot settle capability. Atlantic Union has put more on it: 53.7 on this site's disclosure index against TowneBank's 38.8. TowneBank has more AI in production, including Talkdesk Copilot agent assist in its contact center and Microsoft Copilot for bankers, while Atlantic Union's best-documented work is the automated Sandy Spring conversion. ([Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking))

### How does Atlantic Union compare with Truist in Virginia?

Truist is the larger bank in Atlantic Union's home state: 21.3% of Virginia deposits and 259 branches in the investor-day table, against Atlantic Union's 8.9% and 131 branches. Truist reports 5.4 million active mobile users and a Truist Assist chatbot; Atlantic Union discloses neither a digital-user count nor a customer AI assistant. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm))

### How does Atlantic Union's technology spending compare?

Atlantic Union does not disclose a technology budget. It guides 2026 adjusted operating noninterest expense of $742 million to $752 million in total, and its CIO says a regional bank will not have the funding to buy all the latest technology. F.N.B. reported about $1 billion of 2025 non-interest expense including technology; JPMorgan Chase guided about $19.8 billion of 2026 technology expense alone. ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026010693/firmoverview.htm))

### Who leads AI at Atlantic Union compared with its peers?

Chief information officer Matt Linderman, who joined in 2023 from Capital One and PNC, owns Atlantic Union's AI agenda; no chief AI or data officer is named. Pinnacle has a head of AI, Kevin Johnson, and F.N.B. has a director of AI and innovation working with a Data and AI Governance Committee. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918))

### How does Atlantic Union compare with United Bankshares on AI?

Both are Virginia-market regionals in each other's peer sets, but their records differ sharply: Atlantic Union scores 53.7 on this site's index and United Bankshares 2. United names no AI program, vendor or leader in its releases and its Q1 and Q2 2026 10-Qs contain no AI language; Atlantic Union names a fintech stack and a CIO-led AI roadmap. ([Atlantic Union Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/883948/000110465926034176/aub-20260505xdef14a.htm), [United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm))

### Which AI and technology vendors does Atlantic Union use, compared with peers?

Atlantic Union names fintech platforms rather than AI labs: Socure, Salesforce, nCino, Blend, Q2 and MuleSoft (December 2025), Spiral for savings tools (June 2026) and the Cari tokenized-deposit network (July 2026). Fulton names Salesforce Agentforce and NICE; TowneBank names Talkdesk, SAS and Microsoft; SouthState names Microsoft Copilot. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [Business Wire (via Morningstar)](https://www.morningstar.com/news/business-wire/20260616510067/atlantic-union-bank-selects-spiral-to-boost-customer-savings-and-community-impact-through-everyday-banking), [Cari Network (via Business Wire, Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/cari-joins-american-bankers-association-120000507.html), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [SAS (PR Newswire)](https://www.prnewswire.com/news-releases/banking-on-cloud-townebank-primes-for-continued-growth-with-sas-302153251.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))

## Peers on this site

- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)
- [TowneBank AI strategy](https://www.bankingnewsai.com/banks/townebank) · [vs peers](https://www.bankingnewsai.com/banks/townebank/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)

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84. Atlantic Union Bankshares Corporation Completes Acquisition of Sandy Spring Bancorp, Inc. — Atlantic Union Bankshares, Apr 1, 2025. https://investors.atlanticunionbank.com/news-events/press-releases/detail/195/atlantic-union-bankshares-corporation-completes-acquisition
85. Fulton to acquire money-losing New Jersey bank for $243M — American Banker, Nov 24, 2025. https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m
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87. 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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92. Cari Joins American Bankers Association's Premier Partner Network, Expands Bank-Governed Tokenized Deposit Network — Cari Network (via Business Wire, Yahoo Finance), Jul 2, 2026. https://finance.yahoo.com/technology/ai/articles/cari-joins-american-bankers-association-120000507.html

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