# Bank OZK vs peers: AI and technology compared

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

*Part of the [Bank OZK AI strategy profile](https://www.bankingnewsai.com/banks/bank-ozk). Peer group: Home BancShares (Centennial Bank), Simmons First National Corporation, Arvest Bank, Western Alliance Bancorporation, Texas Capital Bancshares, Prosperity Bancshares, Banc of California, Valley National Bancorp.*

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

On this site's AI disclosure index Bank OZK scores 29.5 (#89 of 120 US banks), seventh in a nine-bank group of Arkansas banks and real-estate-weighted commercial lenders, ahead of Simmons (3.6) and Home BancShares (3.5) but well behind Valley (76.6), Western Alliance (71.8) and Texas Capital (49.1). Its own disclosures are short. Management comments of January and April 2026 say it has made 'significant investments in technology' over two years and added staff in 'data, analytics, modeling and artificial intelligence', and its 2025 10-K names 'emerging technologies, including AI' as essential to efficiency. Its one named AI project came from its core vendor: Fiserv said on May 14, 2026 that Bank OZK is co-developing AI agents on agentOS with SouthState, City National and Salem Five. Peers report results. Valley says AI produced about $15 million of run-rate savings against $3 million to $4 million of new AI expense (July 2026); Western Alliance estimates more than 150,000 employee hours saved (May 2026); more than 80% of Banc of California's developers use AI daily (April 2026). Where Bank OZK stands out is cost: a 39.2% efficiency ratio in Q2 2026, against 45.99% at Prosperity and 54.26% at Simmons. On its earnings calls AI appears mostly as tenant demand for the buildings it finances. ([Bank OZK](https://ir.ozk.com/4Q25_Management_Comments), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [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), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [Bank OZK](https://ir.ozk.com/static-files/28274d07-6b97-45f9-9bae-831820a102eb))

## Where does Bank OZK lead its peers on AI?

- **A co-development seat on Fiserv's agentOS.** Bank OZK is one of the banks Fiserv named on May 14, 2026 as co-developing its next wave of AI agents, with deployments from summer 2026; SouthState and First Interstate are the other co-developers on this site. None of Bank OZK's Arkansas rivals, Arvest, Simmons or Home BancShares, has disclosed a comparable AI vendor partnership. ([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), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai))
- **The lowest cost base among the larger lenders in the group.** Bank OZK's efficiency ratio was 39.2% in Q2 2026, against 45.99% at Prosperity and 54.26% at Simmons; only Home BancShares, at 40.46% adjusted, is close. That leaves less of the cost case for AI that Valley's CEO makes, about 500 basis points of efficiency-ratio improvement industry-wide. ([Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [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), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))
- **More dated moves than most of the group.** Bank OZK logged 18 dated moves in the last 12 months, 3rd of nine behind Texas Capital (22), including the agentOS announcement, its AI-hiring statements in two sets of management comments and an AI risk factor in its 2025 10-K covering opaque models, bias and third-party training data. ([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/4Q25_Management_Comments), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f))

## Where does Bank OZK trail its peers on AI?

- **No AI use case of its own in production.** Bank OZK's earnings calls and releases describe no AI application in its own operations. Western Alliance records 16 of 17 described use cases in production and Valley 13 of 17, including Valley's AI Assistant and three vendor contracts being replaced by AI (July 2026). ([Bank OZK](https://ir.ozk.com/static-files/4e55b057-bd91-45cc-9cee-2b0f7d1467dd), [Bank OZK](https://ir.ozk.com/static-files/28274d07-6b97-45f9-9bae-831820a102eb), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))
- **No AI results or spend disclosed.** Bank OZK gives no AI headcount, budget or savings figure. Valley reports about $15 million of AI run-rate savings and $3 million to $4 million of new AI expense (July 2026); Western Alliance puts AI productivity value at $10 million-plus within about $250 million of 2024 to 2026 technology investment. ([Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))
- **Little independent coverage of its technology.** Bank OZK scores 5 on independent sources, 7th of nine; the coverage it does get concerns credit, such as American Banker on its Q4 2025 charge-offs. Western Alliance scores 13, with trade-press reporting on its fraud and AI programmes. ([American Banker](https://www.americanbanker.com/news/bank-ozk-says-spike-in-chargeoffs-is-no-cause-for-alarm), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))

## Where does Bank OZK 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | [76.6](https://www.bankingnewsai.com/banks/ai-index) | #26 of 120 | [11](https://www.bankingnewsai.com/banks/valley#sources) | [22](https://www.bankingnewsai.com/banks/valley#sources) | [13 of 17](https://www.bankingnewsai.com/banks/valley#where) | [22](https://www.bankingnewsai.com/banks/valley#timeline) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Arvest Bank](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)) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | [34.7](https://www.bankingnewsai.com/banks/ai-index) | #82 of 120 | [1](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [21](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [10 of 14](https://www.bankingnewsai.com/banks/banc-of-california#where) | [15](https://www.bankingnewsai.com/banks/banc-of-california#timeline) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) |
| [Bank OZK (this page)](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 |
| [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 Bank OZK ahead of or behind its peers?

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

| Component (weight) | Bank OZK | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 6 | [Western Alliance (13)](https://www.bankingnewsai.com/banks/western-alliance) | 7th of 9 |
| Use cases in production (10%) | 4 | 8 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 7th of 9 |
| Own primary disclosures (10%) | 15 | 17 | [Simmons Bank (22)](https://www.bankingnewsai.com/banks/simmons) | 6th of 9 |
| Dated moves, last 12 months (10%) | 18 | 17.5 | [Valley (22)](https://www.bankingnewsai.com/banks/valley) | 4th of 9 |
| Disclosed numbers (5%) | 13 | 13.5 | [Valley (18)](https://www.bankingnewsai.com/banks/valley) | 5th of 9 |
| Named AI leaders (5%) | 9 | 7.5 | [Valley (14)](https://www.bankingnewsai.com/banks/valley) | 3rd of 9 |
| Use cases described (5%) | 8 | 11.5 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 8th of 9 |

## What has each bank in Bank OZK'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 |
| --- | --- | --- | --- | --- | --- |
| [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) |
| [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) |
| [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 |
| [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 |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) | [5, incl. Jared Wolff (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/banc-of-california#people) ([American Banker](https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf)) | Developers using AI in daily workflows: More than 80% (Apr 23, 2026) ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/banc-of-california#roles) |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) | [14, incl. Ira Robbins (Chairman and CEO)](https://www.bankingnewsai.com/banks/valley#people) ([Valley National Bancorp](https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf)) | Vendor contracts being replaced by AI: 3 (Jul 10, 2026) ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Bank OZK 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)) |
| Sep 29, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| Sep 28, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Bluevine acquired for $340 million to accelerate the AI roadmap ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banking Dive](https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/)) |
| 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 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| 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 7, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 10-Q lists AI among competing technologies ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Jul 29, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 call: APIs added, no AI remarks ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| 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)) |

## What have Bank OZK's peers disclosed about AI, and what has Bank OZK?

The most concrete AI deployment or result each bank has disclosed, with its date. A blank means nothing is disclosed, not that nothing exists.

| Bank | Deployment or programme | Result disclosed | Date |
| --- | --- | --- | --- |
| Bank OZK | Co-developing agents on Fiserv agentOS (vendor-disclosed); more staff in data, analytics, modeling and AI | Not disclosed | January, April and 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), [Bank OZK](https://ir.ozk.com/4Q25_Management_Comments), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073)) |
| Valley | Valley's AI Assistant; AI replacing vendor contracts | About $15 million run-rate savings against $3-4 million of new AI expense; 3 vendor contracts being replaced | July 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| Western Alliance | Enterprise AI programme and the Triangle of Fraud Protection | 150,000+ employee hours saved (estimate); $10 million+ productivity value | May 12, 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| Texas Capital | Ranger, an in-house multi-LLM platform | About 80% of employees used it in the prior four weeks; 280 employee-built agents | April 23, 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Banc of California | AI in software development | More than 80% of developers use AI daily | April 23, 2026 ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| Simmons | Mobile-deposit fraud scoring (Jack Henry) | Fraud losses down 96%, to under 1 basis point; limits raised from $1,500 to up to $150,000 a month | September 2025 ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) |
| Arvest | Cloud-native core and Google Cloud | First product on the new core built in under nine months | 2023 ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html)) |

## How does Bank OZK's agentOS work compare with the other co-developing banks?

Banks on this site that Fiserv named as agentOS co-developers in May 2026, and what each has said about the work.

| Bank | What is disclosed | Disclosed by | Date |
| --- | --- | --- | --- |
| Bank OZK | Co-developing the next wave of agents; deployments from summer 2026; which agents is not stated | Fiserv and American Banker | May 14, 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), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| SouthState | Co-developing agents alongside City National, Bank OZK and Salem Five; agents run inside a controlled architecture with audit trails and kill switches | Fiserv, American Banker | May 2026 ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [GlobeNewswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/detail?dockey=1330-9720168en-4LJN4EPGO0K6J4L2SCCECO1O5B)) |
| First Interstate | A commercial loan onboarding agent in pilot | American Banker | May 2026 ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |

## How do Bank OZK's costs and technology spending compare?

Efficiency ratios and technology expense lines as each bank reports them. Lower efficiency ratios mean lower cost per dollar of revenue.

| Bank | Efficiency ratio | Technology expense disclosed | Period |
| --- | --- | --- | --- |
| Bank OZK | 39.2% | Non-interest expense $170.6 million, up 11.4% year on year; no technology line given | Q2 2026 ([Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [Zacks (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-ozk-q2-earnings-beat-162300494.html)) |
| Home BancShares | 40.46% (adjusted) | Not disclosed | Q2 2026 ([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)) |
| Prosperity | 45.99% | $75-90 million a year (CEO estimate) | Q2 and Q1 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |
| Simmons | 54.26% (adjusted) | Not disclosed | Q2 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results)) |
| Valley | Not shown here | Technology, furniture and equipment $31.9 million, up about 7% | Q1 2026 ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| Banc of California | Not shown here | IT and data processing $55.5 million (2024: $60.4 million) | 2025 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm)) |

## Where does AI show up in Bank OZK's business today?

On Bank OZK's earnings calls AI appears mainly as tenant demand for the real estate it finances. On the first-quarter 2026 call management described Bay Area life-science and office projects with 'tech AI-type users' in contention, and the CEO pointed to AI demand in Silicon Valley in January 2026. Its Real Estate Specialties Group, headquartered in Dallas, lends on construction and commercial real estate nationwide and held a book of over $15 billion in July 2026. ([Bank OZK](https://ir.ozk.com/static-files/28274d07-6b97-45f9-9bae-831820a102eb), [Bank OZK](https://ir.ozk.com/static-files/4e55b057-bd91-45cc-9cee-2b0f7d1467dd), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146))

That puts Bank OZK on the lending side of the AI build-out, as Banc of California is in a different way: Banc keeps technology loans on an AI-disruption watch list, a little over $4 million of roughly $450 million in April 2026. Inside the bank, Bank OZK's 10-K says a mix of proprietary applications and third-party providers supports lending, deposits, treasury and data analytics, and its OZK Labs unit in St. Petersburg, Florida, ran a machine-learning team in 2019. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [The Financial Brand](https://thefinancialbrand.com/news/banking-innovation/community-bank-innovation-lab-disruption-83211))

## Which banks are Bank OZK's peers, and why these?

Bank OZK is compared here with Home BancShares (Centennial Bank), Simmons First National Corporation, Arvest Bank, Western Alliance Bancorporation, Texas Capital Bancshares, Prosperity Bancshares, Banc of California and Valley National Bancorp: chosen by the editors for this page (see the note below the table). Bank OZK is classed as a commercial and business bank in the Southwest.

The computed group included CIBC US and Customers Bancorp, whose business models differ from Bank OZK's; this group pairs it with the Arkansas banks it meets at home (Arvest, Simmons and Home BancShares) and with similar-sized commercial lenders weighted to real estate and specialty lending (Western Alliance, Texas Capital, Prosperity, Banc of California and Valley).

## Common questions

### Is Bank OZK better than Western Alliance at AI?

The record cannot settle capability, but Western Alliance has put far more on it: 71.8 on this site's index against Bank OZK's 29.5. Western Alliance estimates more than 150,000 employee hours saved by AI and counts 16 of 17 described use cases in production. Bank OZK has named no internal AI use case. ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Bank OZK](https://ir.ozk.com/static-files/28274d07-6b97-45f9-9bae-831820a102eb))

### Does Bank OZK use AI?

It says it is investing. Management comments in January and April 2026 say it added staff in data, analytics, modeling and artificial intelligence, and Fiserv named it in May 2026 as a co-developer of AI agents on agentOS. The bank has not described any AI application in production or named an AI leader. ([Bank OZK](https://ir.ozk.com/4Q25_Management_Comments), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073), [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))

### How does Bank OZK compare with Arvest and Simmons in Arkansas?

In Arkansas deposits Arvest led with $14.2 billion in June 2025, Bank OZK was 2nd with $12.5 billion and Simmons 3rd with $9.2 billion. On AI disclosure Arvest scores 37.2, Bank OZK 29.5 and Simmons 3.6. Arvest describes a cloud-native core; Simmons reports a 96% cut in mobile-deposit fraud losses from Jack Henry scoring. ([FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3AAR+AND+YEAR%3A2025&fields=NAMEFULL%2CDEPSUMBR%2CCERT%2CRSSDHCR%2CNAMEHCR&limit=10000), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring))

### How does Bank OZK's technology spending compare?

Bank OZK does not disclose a technology budget. Its Q2 2026 non-interest expense was $170.6 million, up 11.4% year on year, and its efficiency ratio 39.2%. Prosperity puts its technology spend at $75 million to $90 million a year, and Valley reported $31.9 million of technology, furniture and equipment expense in Q1 2026. ([Zacks (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/bank-ozk-q2-earnings-beat-162300494.html), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))

### What is Fiserv agentOS and what is Bank OZK building on it?

agentOS is Fiserv's platform for AI agents in banking, launched on May 14, 2026 with four Fiserv agents and nine third-party agents covering tasks such as commercial loan onboarding, deposit intelligence and AML triage. Fiserv named Bank OZK among the banks co-developing the next wave of agents but did not say which ones; deployments were due from summer 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), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai))

### How does Bank OZK compare with Texas Capital on technology?

Texas Capital scores 49.1 on this site's index against Bank OZK's 29.5. Texas Capital runs an in-house AI platform, Ranger, used by about 80% of employees, and says 96% of its critical infrastructure is in the cloud. Bank OZK describes a mix of proprietary applications and third-party providers and its co-development work on Fiserv agentOS. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [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))

### Who leads technology at Bank OZK?

Jason Cathey has been chief information officer since 2022, after serving as chief information security officer from 2018 to 2022; Arindam Majumdar, chief risk officer since 2025, ran enterprise risk analytics from 2019 to 2023. The bank has not named a chief AI or data officer. ([Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f))

### How does Bank OZK compare with Valley on AI?

Valley scores 76.6 on this site's index against Bank OZK's 29.5. Valley reports about $15 million of AI run-rate savings, three vendor contracts being replaced by AI and an AI Assistant for staff. Both are commercial lenders weighted to real estate; Bank OZK's efficiency ratio, 39.2% in Q2 2026, is among the lowest in the group. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings))

## Peers on this site

- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Banc of California AI strategy](https://www.bankingnewsai.com/banks/banc-of-california) · [vs peers](https://www.bankingnewsai.com/banks/banc-of-california/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)

## Sources

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