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BankUnited vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 88 sources cited

How does BankUnited compare with its peers on AI and technology?

On this site's AI disclosure index BankUnited scores 63.5 (#44 of 120 US banks), fourth in a nine-bank group of Florida and New York commercial banks, behind Valley (76.6), SouthState (70.9) and Webster (68.7) and ahead of Texas Capital (49.1), Seacoast (42.1), City National Bank of Florida (26.9), Ameris (20.7) and EverBank (3.3). Its record has more substance than its filings admit. The 10-K calls its current AI use 'not material', yet an AWS case study describes SAVI, a staff assistant on Anthropic's Claude 2 in Amazon Bedrock that answers questions from about 400 policy documents at a reported 95% accuracy, and Talkdesk reports a 104% rise in contact-center net promoter score after BankUnited adopted its AI agent tools (March 2025, vendor figures). Its 2026 proxy adds an AI and Data Advisory Group set up in July 2025. Where it trails is economics and leadership: Valley reported about $15 million of run-rate AI savings against $3 million to $4 million of new AI expense (July 2026) and has a head of AI and data science, while BankUnited names no chief AI or data officer. In South Florida, where it holds 6.0% of metro deposits, the leader is Bank of America (16.0%), whose Erica helps more than 24.6 million clients.[1][2][3][4][5][6][7][8]

Data as of Oct 20, 2026 · BankUnited profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does BankUnited lead its peers on AI?

01

The most primary disclosure in the group

BankUnited scores 25 on its own primary disclosures, first of nine: its 2026 proxy describes an AI and Data Advisory Group of business-line and IT staff set up in July 2025, board Risk Committee updates on AI models and director AI training. City National Bank of Florida, its closest Miami rival by deposits, has disclosed a CISO-led AI webinar and vendor mortgage pricing.[4][7][9]

02

A Claude-based staff assistant its Florida rivals have not matched on the record

SAVI runs on Anthropic's Claude 2 in Amazon Bedrock with Amazon Kendra search and answers questions from about 400 policy and procedure documents, with AWS reporting 95% accuracy and responses in under 10 seconds. Seacoast's disclosed AI is Quavo dispute management and an Abrigo loan-review assistant.[2][10][11]

03

Contact-center AI with a reported result

Talkdesk says BankUnited's move to its Financial Services Experience Cloud, with Copilot agent assist and Autopilot self-service, lifted net promoter score 104% (March 2025), and credits its Customer Experience Automation platform with 15% to 20% higher IVR containment; all figures are vendor-reported. Seacoast's contact-center-adjacent AI is Quavo's agentic dispute management.[3][12][10]

Where it trails

Where does BankUnited trail its peers on AI?

01

'Not material' while Valley counts AI savings

BankUnited's 10-K says its current use of AI is not material to operations. Valley reported about $15 million of run-rate savings from AI against $3 million to $4 million of new AI-associated expense year to date (July 2026), and says AI has already replaced three vendor contracts.[1][5][13]

02

No chief AI or data officer

BankUnited names a senior EVP for technology and innovation and a CIO, but no AI or data chief. Valley has a head of AI and data science, Nickolaus Lachman, and Texas Capital hired a chief digital and information officer in July 2026 with AI enablement in his remit. Webster leads the group on named AI leaders with 17.[4][6][14]

03

Less employee AI at scale than Texas Capital

SAVI serves staff with policy answers. Texas Capital said in April 2026 that about 80% of employees had used its Ranger assistant in the prior four weeks and that about 64 employees had built 280 agents; SouthState reports 2,500+ premium Copilot users (June 2026).[2][15][16]

04

Quiet on AI in its 2026 filings and calls

BankUnited's March and June 2026 10-Qs contain no AI language, and its Q2 2026 call centered on non-interest-bearing deposits. It scores 18 on dated moves, fifth of nine, against Webster's 24; Valley discussed AI savings on its July 2026 call.[17][18][19][5]

AI index

Where does BankUnited rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Valley National Bancorp76.6#26 of 120112213 of 1722Cloud-first infrastructure, Valley's AI Assistant and tiered access[13][20][6][21]
SouthState Bank70.9#33 of 120121610 of 2020Copilot at scale, tested models, and Fiserv agentOS agents[22][23][24]
Webster Bank68.7#37 of 12014177 of 1124Category IV readiness: data, cyber and open banking[25][26][27][28]
BankUnited (this page)63.5#44 of 12072610 of 1519SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[2][3][29][12][1]
Texas Capital Bancshares49.1#60 of 1206178 of 1221Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[30][14][31][15]
Seacoast Banking Corporation of Florida42.1#67 of 12041810 of 1114Quavo agentic dispute management and Seacoast's AI-information page[10][32][33]
City National Bank of Florida26.9#91 of 1205159 of 910Not disclosed
Ameris Bancorp20.7#97 of 1202189 of 1114Not disclosed
EverBank Financial Corp3.3#109 of 1201050 of 512Not disclosed
Component by component

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

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

Component (weight)BankUnitedPeer medianMost in the groupPlace
Independent sources (45%)78Webster (14)5th of 9
Use cases in production (10%)109Valley (13)2nd of 9
Own primary disclosures (10%)2617BankUnited (26)1st of 9
Dated moves, last 12 months (10%)1917Webster (24)5th of 9
Disclosed numbers (5%)1513SouthState (20)4th of 9
Named AI leaders (5%)119.5Webster (17)3rd of 9
Use cases described (5%)1511SouthState (20)3rd of 9
Head to head

What has each bank in BankUnited's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
BankUnitedSAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[2][3][29][12][1]11, incl. Rajinder Singh (Chairman, President and CEO)[34]Not disclosedNot disclosedNot surveyed
Valley National BancorpCloud-first infrastructure, Valley's AI Assistant and tiered access[13][20][6][21]14, incl. Ira Robbins (Chairman and CEO)[35]Vendor contracts being replaced by AI: 3 (Jul 10, 2026)[13]Not disclosedNot surveyed
Webster BankCategory IV readiness: data, cyber and open banking[25][26][27][28]17, incl. John Ciulla (CEO, Santander Bank, N.A.)[28][25]Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026)[36]Not disclosedNot surveyed
Texas Capital BancsharesCloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[30][14][31][15]8, incl. Rob C. Holmes (President and CEO)[30][37]Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026)[15]Not disclosedNot surveyed
SouthState BankCopilot at scale, tested models, and Fiserv agentOS agents[22][23][24]10, incl. John Corbett (Chief Executive Officer)[38]Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026)[16]None found (the profile's patent search)[39]1 open AI roles (Sep 24, 2026); most in AI engineering
Seacoast Banking Corporation of FloridaQuavo agentic dispute management and Seacoast's AI-information page[10][32][33]10, incl. Charles M. Shaffer (Chairman and CEO)[40][41]Full-time-equivalent employees: 1,962 (Dec 31, 2025)[42]1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs)[43]Not surveyed
City National Bank of FloridaNot disclosed6, incl. Jorge Gonzalez (Vice Chairman and CEO)[44]Employees (FDIC): 1,172 (1,134 at 31 March 2026) (Jun 30, 2026)[45]Not disclosedNot surveyed
Ameris BancorpNot disclosed9, incl. Palmer Proctor (Chief Executive Officer)[46][47]Full-time-equivalent employees: 2,673 (Dec 31, 2025)[48]Not disclosed1 open AI roles (Oct 1, 2026); most in AI engineering
EverBank Financial CorpNot disclosed8, incl. Greg Seibly (Chief Executive Officer, EverBank Financial Corp)[49][50]Not disclosed1 patent listed on the profile, e.g. US 6,904,412 B1 (Mortgage loan originator compliance engine)[51]Not surveyed
Last 12 months

What are the latest dated moves on the AI record of BankUnited and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 13, 2026EverBankFederal Register notice of the Federal Reserve application[52]
Oct 8, 2026Seacoast BankAbrigo publishes Seacoast loan-review AI case study[11]
Oct 2, 2026SouthStateQ3 2026 results scheduled[53]
Oct 1, 2026SouthStateEdmonds profiled for tokenized-deposit and instant-payments work[54]
Sep 29, 2026ValleyRobbins on CNBC: AI agents not a threat to regional banks[55]
Sep 28, 2026EverBankWaFd FAQ sets out the two systems estates[56]
Sep 28, 2026ValleyBluevine acquired for $340 million to accelerate the AI roadmap[57][58][59]
Sep 16, 2026Texas CapitalChief risk officer departs; chief credit officer steps in[60]
Aug 20, 2026WebsterIntegration plan: one platform by end-2027[61]
Aug 20, 2026WebsterWebster Bank, N.A. merges into Santander Bank, N.A.[62]
Aug 7, 2026AmerisQ2 2026 10-Q: no AI language; technology cost and premium finance figures[63]
Aug 6, 2026BankUnitedQ2 2026 10-Q has no AI discussion[18]
Aug 4, 2026Seacoast BankQ2 2026 10-Q widens its AI risk language[64][65]
Jul 29, 2026Texas CapitalSecond attempt to redomicile to Texas planned[66]
Jul 28, 2026City National FloridaResidential lending strategy and Polly pricing engine[9]
Jul 24, 2026AmerisQ2 2026 call: no AI discussion[67]
Jul 22, 2026BankUnitedQ2 2026 call: staying out of data-centre lending[68]
Jul 13, 2026City National FloridaTampa Bay regional headquarters opens[69]
BankUnited vs the large banks in South Florida

How do BankUnited's digital and AI services compare with the big banks in its home market?

Miami-Fort Lauderdale-West Palm Beach deposit share and branches are computed by this site from the FDIC Summary of Deposits (June 30, 2025, by holding company; City National Bank of Florida appears under its Chilean parent, Bci). A blank means nothing is disclosed, not that nothing exists.

BankSouth Florida deposits and branchesCustomer AI assistantEmployee AI disclosed
BankUnited7th: 6.0%, 36 branchesNone branded; Talkdesk Autopilot self-service in the contact centerSAVI on Claude 2 via Amazon Bedrock: about 400 policy documents, 95% accuracy reported by AWS[7][3][2]
Bank of America1st: 16.0%, 159 branchesErica: helps more than 24.6 million clients; 3.6 billion interactions since 2018About 200,000 active users of general-purpose AI tools (June 30, 2026)[7][8][70]
JPMorgan Chase2nd: 12.4%, 174 branchesNo consumer assistant launched; a consumer travel agent targeted for pilot before end-2026LLM Suite: 150,000 weekly users (February 2026)[7][71][72]
Wells Fargo3rd: 11.1%, 160 branchesFargo: more than 1 billion interactions in under three years (March 2026)Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025)[7][73][74]
Citigroup4th: 6.6%, 53 branchesCiti Sky AI wealth adviser, rolling out to Citigold clients from summer 2026Stylus Workspaces at more than 180,000 people with 87%-plus adoption (September 2026)[7][75][76]
City National Bank of Florida5th: 6.2%, 29 branchesNone disclosedVendor-driven mortgage pricing (Polly); a CISO-led AI webinar[7][9]
Staff and contact-center AI in the group

How does BankUnited's employee and contact-center AI compare with its peers'?

Assistants, agents and contact-center AI each bank has put on the record, with the source of the figure.

BankToolScale or result disclosedDate and source type
BankUnitedSAVI staff assistant (Claude 2, Amazon Bedrock); Talkdesk Copilot and AutopilotAbout 400 documents, 95% accuracy; net promoter score up 104%AWS case study (undated); Talkdesk, March 2025 (vendor figures)[2][3]
ValleyValley's AI Assistant with custom generative-AI agents; five tiers of AI accessAbout 80 of roughly 3,600 employees with open AI accessJuly 2026, Banking Dive[6][13]
Texas CapitalRanger assistant and employee-built agentsAbout 80% of employees used Ranger in four weeks; 280 agents built by about 64 employeesApril 2026, earnings call[15]
SouthStateMicrosoft Copilot and a GenAI Knowledge Assistant2,500+ premium Copilot users; 1.1K+ assistant questions a dayJune 30, 2026, earnings deck[16]
SeacoastAbrigo Loan Review Assistant; Quavo agentic dispute managementLoan-review line sheet from 8 to 10 hours to 4 to 6 hoursOctober 2026, vendor case study[11][10]
What the group says AI is worth

How does BankUnited describe the value of AI compared with its peers?

Each bank's own statement on AI's materiality, savings or targets.

BankStatementDate
BankUnitedCurrent use of AI is 'not material' to operations; the CFO listed AI workflows among 2026 investments, and the 2026 investor presentation commits to investing in digital onboarding, AI and automationFebruary 2026 10-K; January 2026 call[1][77][78]
ValleyAbout $15 million of run-rate savings against $3 million to $4 million of new AI expense; three vendor contracts replacedJuly 2026[5][13]
Webster (Santander)Santander targets more than €1 billion a year of business value from data and AI by 2028; Webster deal synergies of about $800 million, mainly overhead, technology and operationsFebruary to April 2026[36][79][61]
Texas CapitalContinues to invest in automation, data and artificial intelligence on a cloud-native platform2026[14][15]
BankUnited's AI trail

How has BankUnited's AI disclosure developed?

BankUnited's filings trace a short AI trail. The 2023 10-K has no AI language; the 2024 10-K adds a risk factor saying current use of AI is not material; the 2025 10-K adds AI and automated decision-making regulation to its strategic risks; the March and June 2026 10-Qs have none. The 2026 proxy adds governance: an AI and Data Advisory Group of business-line and IT staff set up in July 2025, management updates to the board's Risk Committee on AI models and initiatives, and director AI training in 2025.[80][81][1][17][18][4]

The practitioners have said more than the filings. In 2023 the then chief technology officer, Michael Lehmbeck, said the bank used AWS AI services including Bedrock and Lex, and in March 2024 he described an internal AI chatbot that lets branch staff ask how to complete procedures such as opening a trust account. He left for AgFirst in May 2025. AWS's undated case study describes the resulting assistant, SAVI, on Anthropic's Claude 2.[82][83][84][2]

The peer group

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

BankUnited is compared here with Valley National Bancorp, Webster Bank, Texas Capital Bancshares, SouthState Bank, Seacoast Banking Corporation of Florida, City National Bank of Florida, Ameris Bancorp and EverBank Financial Corp: chosen by the editors for this page (see the note below the table). BankUnited is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in Virginia, West Virginia, Mississippi and Ohio Valley banks; this group holds the commercial banks BankUnited meets in its two markets, Florida and the New York tri-state area (Valley, Webster, SouthState, Seacoast, City National Bank of Florida, Ameris, EverBank), and Texas Capital, a commercial-bank peer in Dallas where BankUnited now has branches; Valley, Webster, Texas Capital, SouthState and Ameris are also in BankUnited's 2025 compensation peer group.

Common questions

Does BankUnited use generative AI in customer service?

Its contact center runs Talkdesk's Financial Services Experience Cloud with Copilot agent assist and Autopilot self-service, which Talkdesk launched as a generative-AI customer-service product. Talkdesk reports a 104% rise in BankUnited's net promoter score and 15% to 20% higher IVR containment; the figures are vendor-reported.[3][85][12]

Does BankUnited have an AI virtual assistant like Erica?

Not a branded one for customers. Its contact center runs Talkdesk Autopilot self-service and Copilot agent assist, and staff use SAVI, an internal assistant on Anthropic's Claude 2. Bank of America, which holds 16.0% of South Florida deposits against BankUnited's 6.0%, says Erica helps more than 24.6 million clients.[3][2][7][8]

Does BankUnited use Anthropic's Claude?

According to an undated AWS case study, BankUnited's staff assistant SAVI runs on Anthropic's Claude 2 in Amazon Bedrock with Amazon Kendra search, answering questions from about 400 policy and procedure documents at a reported 95% accuracy. BankUnited's own filings name no AI vendor and call its AI use not material.[2][1]

Is BankUnited better than Valley at AI?

The record cannot settle capability. Valley has put more on it: 76.6 on this site's disclosure index against BankUnited's 63.5, with a head of AI and data science, tiered AI access and about $15 million of run-rate AI savings (July 2026). BankUnited has a Claude-based staff assistant and AI in its contact center.[6][5][2][3]

How does BankUnited compare with City National Bank of Florida?

Both are Miami commercial banks with about 6% of South Florida deposits each (FDIC, June 30, 2025). On AI, BankUnited scores 63.5 on this site's index and City National Bank of Florida 26.9; City National's disclosed AI is vendor mortgage pricing and a CISO-led webinar, while BankUnited has SAVI and Talkdesk AI agents.[7][9][2][3]

Who governs AI at BankUnited?

An AI and Data Advisory Group of business-line and IT staff, set up in July 2025, and management updates to the board's Risk Committee on AI models and initiatives; directors had AI training in 2025. Lisa Shim, senior EVP, leads technology and innovation and Julio Jogaib is CIO. No chief AI or data officer is named.[4][86][87]

How does BankUnited compare with Texas Capital on AI?

Texas Capital scores 49.1 on this site's index and BankUnited 63.5. Texas Capital says about 80% of its employees used its Ranger assistant in four weeks and that employees have built 280 agents (April 2026), and it hired a chief digital and information officer with AI enablement in his remit in July 2026. BankUnited's staff assistant is SAVI, on Anthropic's Claude 2.[15][14][2]

How does BankUnited compare with SouthState in Florida?

SouthState scores 70.9 on this site's index against BankUnited's 63.5, with 2,500+ premium Copilot users and a GenAI Knowledge Assistant (June 2026). In Florida deposits the two are close: BankUnited ranks 10th with 2.5% and SouthState 14th with 2.0% (FDIC, June 30, 2025).[16][88]

How does BankUnited's technology spending compare with peers?

BankUnited does not disclose a technology or AI budget; its CFO listed AI workflows and payment-system modernization among 2026 investments, and it took a $3.8 million software write-down in Q4 2025 after a technology-stack review. Valley reported $31.9 million of technology, furniture and equipment expense in Q1 2026, up about 7%.[77][1][13]

Peers on this site
Valley AI strategy →How Valley National Bancorp compares with its peers →Webster AI strategy →How Webster Bank compares with its peers →Texas Capital AI strategy →How Texas Capital Bancshares compares with its peers →SouthState AI strategy →How SouthState Bank compares with its peers →Seacoast Bank AI strategy →How Seacoast Banking Corporation of Florida compares with its peers →City National Florida AI strategy →How City National Bank of Florida compares with its peers →Ameris AI strategy →How Ameris Bancorp compares with its peers →EverBank AI strategy →How EverBank Financial Corp compares with its peers →
Deeper on BankUnited
BankUnited AI strategy: the full profile →BankUnited competitors and alternatives →What is BankUnited's AI strategy? →What virtual assistants does BankUnited use? →What technology stack does BankUnited run? →BankUnited AI profile →BankUnited virtual assistants →BankUnited competitors and alternatives →Bank AI index →Valley AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  69. City National Bank of Florida Opens New Tampa Bay Headquarters
    City National Bank of Florida · Jul 13, 2026
  70. Second Quarter 2026 Financial Results presentation (Form 8-K, Exhibit 99.2)
    Bank of America (SEC filings) · Jul 14, 2026
  71. JPMorgan's Lake sees longer road to agentic commerce adoption
    Banking Dive · Jun 10, 2026
  72. 2026 Company Update Transcript - Chairman and CEO Q&A
    JPMorganChase · Feb 25, 2026
  73. Wells Fargo Reaches Major Digital Milestones
    Wells Fargo (Business Wire) · Mar 26, 2026
  74. From legacy to Frontier: How 100-year brands are leading AI innovation
    Microsoft · Nov 20, 2025
  75. Citi Wealth Unveils "Citi Sky" - An AI-Powered Member of the Citi Wealth Team, Built Using Google Cloud and Google DeepMind Technologies
    Citigroup (PR Newswire) · Apr 22, 2026
  76. A Competitive Differentiator: David Griffiths on Building the World's Most AI-empowered Financial Institution
    Citigroup · Sep 22, 2026
  77. BankUnited (BKU) Q4 2025 Earnings Call Transcript
    Yahoo Finance · Jan 21, 2026
  78. BankUnited, Inc. investor presentation (Form 8-K, Exhibit 99.1)
    BankUnited (SEC filings) · Feb 11, 2026
  79. Webster Financial Corporation definitive proxy statement/prospectus for the Banco Santander transaction (DEFM14A)
    Webster Financial (SEC filings) · Apr 23, 2026
  80. BankUnited, Inc. Annual Report on Form 10-K for 2023
    SEC EDGAR · Feb 20, 2024
  81. BankUnited, Inc. Annual Report on Form 10-K for 2024
    SEC EDGAR · Feb 28, 2025
  82. BankUnited CTO to speak at Bank Automation Summit U.S. 2024
    Bank Automation News · Nov 21, 2023
  83. BankUnited deploys chatbot for internal searches
    Bank Automation News · Mar 19, 2024
  84. Movers and shakers: Michael Lehmbeck new CIO at AgFirst
    Bank Automation News · May 29, 2025
  85. Talkdesk Unveils Talkdesk Autopilot, a Generative Artificial Intelligence Customer Service Experience with New Self-Service Use Cases for Banks and Retailers
    Talkdesk (Business Wire) · Mar 4, 2024
  86. Lisa Shim, BankUnited | Most Powerful Women: Next
    American Banker · Jul 29, 2020
  87. Citigroup IT Veteran to Become BankUnited's Chief Information Officer
    American Banker · Sep 12, 2016
  88. FDIC Summary of Deposits: Florida, branch deposits as of June 30, 2025 (BankFind Suite API)
    Federal Deposit Insurance Corporation · Jun 30, 2025

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