# BankUnited vs peers: AI and technology compared

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

*Part of the [BankUnited AI strategy profile](https://www.bankingnewsai.com/banks/bankunited). Peer group: Valley National Bancorp, Webster Bank, Texas Capital Bancshares, SouthState Bank, Seacoast Banking Corporation of Florida, City National Bank of Florida, Ameris Bancorp, EverBank Financial Corp.*

## 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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

## Where does BankUnited lead its peers on AI?

- **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy))
- **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. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))
- **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. ([Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html))

## Where does BankUnited trail its peers on AI?

- **'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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm), [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/))
- **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))
- **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). ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))
- **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000043/bku-20260331.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-q2-earnings-call-highlights-150647635.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))

## 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.

| 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)) |
| [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)) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #37 of 120 | [14](https://www.bankingnewsai.com/banks/webster#sources) | [17](https://www.bankingnewsai.com/banks/webster#sources) | [7 of 11](https://www.bankingnewsai.com/banks/webster#where) | [24](https://www.bankingnewsai.com/banks/webster#timeline) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) |
| [BankUnited (this page)](https://www.bankingnewsai.com/banks/bankunited) | [63.5](https://www.bankingnewsai.com/banks/ai-index) | #44 of 120 | [7](https://www.bankingnewsai.com/banks/bankunited#sources) | [26](https://www.bankingnewsai.com/banks/bankunited#sources) | [10 of 15](https://www.bankingnewsai.com/banks/bankunited#where) | [19](https://www.bankingnewsai.com/banks/bankunited#timeline) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) |
| [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)) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | [42.1](https://www.bankingnewsai.com/banks/ai-index) | #67 of 120 | [4](https://www.bankingnewsai.com/banks/seacoast#sources) | [18](https://www.bankingnewsai.com/banks/seacoast#sources) | [10 of 11](https://www.bankingnewsai.com/banks/seacoast#where) | [14](https://www.bankingnewsai.com/banks/seacoast#timeline) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) |
| [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | [26.9](https://www.bankingnewsai.com/banks/ai-index) | #91 of 120 | [5](https://www.bankingnewsai.com/banks/city-national-florida#sources) | [15](https://www.bankingnewsai.com/banks/city-national-florida#sources) | [9 of 9](https://www.bankingnewsai.com/banks/city-national-florida#where) | [10](https://www.bankingnewsai.com/banks/city-national-florida#timeline) | Not disclosed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | [20.7](https://www.bankingnewsai.com/banks/ai-index) | #97 of 120 | [2](https://www.bankingnewsai.com/banks/ameris#sources) | [18](https://www.bankingnewsai.com/banks/ameris#sources) | [9 of 11](https://www.bankingnewsai.com/banks/ameris#where) | [14](https://www.bankingnewsai.com/banks/ameris#timeline) | Not disclosed |
| [EverBank Financial Corp](https://www.bankingnewsai.com/banks/everbank) | [3.3](https://www.bankingnewsai.com/banks/ai-index) | #109 of 120 | [10](https://www.bankingnewsai.com/banks/everbank#sources) | [5](https://www.bankingnewsai.com/banks/everbank#sources) | [0 of 5](https://www.bankingnewsai.com/banks/everbank#where) | [12](https://www.bankingnewsai.com/banks/everbank#timeline) | Not disclosed |

## 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) | BankUnited | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 8 | [Webster (14)](https://www.bankingnewsai.com/banks/webster) | 5th of 9 |
| Use cases in production (10%) | 10 | 9 | [Valley (13)](https://www.bankingnewsai.com/banks/valley) | 2nd of 9 |
| Own primary disclosures (10%) | 26 | 17 | [BankUnited (26)](https://www.bankingnewsai.com/banks/bankunited) | 1st of 9 |
| Dated moves, last 12 months (10%) | 19 | 17 | [Webster (24)](https://www.bankingnewsai.com/banks/webster) | 5th of 9 |
| Disclosed numbers (5%) | 15 | 13 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 4th of 9 |
| Named AI leaders (5%) | 11 | 9.5 | [Webster (17)](https://www.bankingnewsai.com/banks/webster) | 3rd of 9 |
| Use cases described (5%) | 15 | 11 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 3rd of 9 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [11, incl. Rajinder Singh (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/bankunited#people) ([BankUnited](https://ir.bankunited.com/node/13726/pdf)) | Not disclosed | Not disclosed | Not surveyed |
| [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 |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) | [17, incl. John Ciulla (CEO, Santander Bank, N.A.)](https://www.bankingnewsai.com/banks/webster#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/)) | Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026) ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm)) | Not disclosed | Not surveyed |
| [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 |
| [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) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) | [10, incl. Charles M. Shaffer (Chairman and CEO)](https://www.bankingnewsai.com/banks/seacoast#people) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [American Banker](https://americanbanker.com/news/seacoast-to-buy-the-bank-of-the-villages-in-florida)) | Full-time-equivalent employees: 1,962 (Dec 31, 2025) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) | 1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240020590A1/en)) | Not surveyed |
| [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Not disclosed | [6, incl. Jorge Gonzalez (Vice Chairman and CEO)](https://www.bankingnewsai.com/banks/city-national-florida#people) ([City National Bank of Florida](https://www.citynational.com/post/city-national-bank-of-florida-to-expand-corporate-headquarters-in-coral-gables)) | Employees (FDIC): 1,172 (1,134 at 31 March 2026) (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A20234&fields=REPDTE,ASSET,DEP,NUMEMP,LNLSNET,NETINC,ROA,EQ&sort_by=REPDTE&sort_order=DESC&limit=5)) | Not disclosed | Not surveyed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Not disclosed | [9, incl. Palmer Proctor (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ameris#people) ([Ameris Bancorp](https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) | Full-time-equivalent employees: 2,673 (Dec 31, 2025) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm)) | Not disclosed | [1 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/ameris#roles) |
| [EverBank Financial Corp](https://www.bankingnewsai.com/banks/everbank) | Not disclosed | [8, incl. Greg Seibly (Chief Executive Officer, EverBank Financial Corp)](https://www.bankingnewsai.com/banks/everbank#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609071700PR_NEWS_USPRX____NY41981-1), [EverBank](https://everbank.com/about/news/09-08-25/everbank-completes-conversion-sterling-bank)) | Not disclosed | 1 patent listed on the profile, e.g. US 6,904,412 B1 (Mortgage loan originator compliance engine) ([Google Patents (USPTO)](https://patents.google.com/patent/US6904412B1/en)) | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 13, 2026 | [EverBank](https://www.bankingnewsai.com/banks/everbank) | Federal Register notice of the Federal Reserve application ([Federal Register](https://www.federalregister.gov/d/2026-20887)) |
| Oct 8, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| 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 | [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 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 | [EverBank](https://www.bankingnewsai.com/banks/everbank) | WaFd FAQ sets out the two systems estates ([SEC (WaFd, Inc. DEFA14A)](https://www.sec.gov/Archives/edgar/data/936528/000114036126037850/ef20082870_defa14a.htm)) |
| 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 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)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Integration plan: one platform by end-2027 ([American Banker](https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Webster Bank, N.A. merges into Santander Bank, N.A. ([Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm)) |
| Aug 7, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| Aug 6, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| Aug 4, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Q2 2026 10-Q widens its AI risk language ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026031220/sbcf-20260331.htm)) |
| 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 28, 2026 | [City National Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Residential lending strategy and Polly pricing engine ([HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy)) |
| Jul 24, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 call: no AI discussion ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964)) |
| Jul 22, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 call: staying out of data-centre lending ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html)) |
| Jul 13, 2026 | [City National Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Tampa Bay regional headquarters opens ([City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters)) |

## 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.

| Bank | South Florida deposits and branches | Customer AI assistant | Employee AI disclosed |
| --- | --- | --- | --- |
| BankUnited | 7th: 6.0%, 36 branches | None branded; Talkdesk Autopilot self-service in the contact center | SAVI on Claude 2 via Amazon Bedrock: about 400 policy documents, 95% accuracy reported by AWS ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/)) |
| Bank of America | 1st: 16.0%, 159 branches | Erica: helps more than 24.6 million clients; 3.6 billion interactions since 2018 | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [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)) |
| JPMorgan Chase | 2nd: 12.4%, 174 branches | No consumer assistant launched; a consumer travel agent targeted for pilot before end-2026 | LLM Suite: 150,000 weekly users (February 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |
| Wells Fargo | 3rd: 11.1%, 160 branches | Fargo: more than 1 billion interactions in under three years (March 2026) | Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [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/)) |
| Citigroup | 4th: 6.6%, 53 branches | Citi Sky AI wealth adviser, rolling out to Citigold clients from summer 2026 | Stylus Workspaces at more than 180,000 people with 87%-plus adoption (September 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Citigroup (PR Newswire)](https://www.prnewswire.com/news-releases/citi-wealth-unveils-citi-sky--an-ai-powered-member-of-the-citi-wealth-team-built-using-google-cloud-and-google-deepmind-technologies-302749822.html), [Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution)) |
| City National Bank of Florida | 5th: 6.2%, 29 branches | None disclosed | Vendor-driven mortgage pricing (Polly); a CISO-led AI webinar ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy)) |

## 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.

| Bank | Tool | Scale or result disclosed | Date and source type |
| --- | --- | --- | --- |
| BankUnited | SAVI staff assistant (Claude 2, Amazon Bedrock); Talkdesk Copilot and Autopilot | About 400 documents, 95% accuracy; net promoter score up 104% | AWS case study (undated); Talkdesk, March 2025 (vendor figures) ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/)) |
| Valley | Valley's AI Assistant with custom generative-AI agents; five tiers of AI access | About 80 of roughly 3,600 employees with open AI access | July 2026, Banking Dive ([American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| Texas Capital | Ranger assistant and employee-built agents | About 80% of employees used Ranger in four weeks; 280 agents built by about 64 employees | April 2026, earnings call ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| SouthState | Microsoft Copilot and a GenAI Knowledge Assistant | 2,500+ premium Copilot users; 1.1K+ assistant questions a day | June 30, 2026, earnings deck ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Seacoast | Abrigo Loan Review Assistant; Quavo agentic dispute management | Loan-review line sheet from 8 to 10 hours to 4 to 6 hours | October 2026, vendor case study ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html)) |

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

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

| Bank | Statement | Date |
| --- | --- | --- |
| BankUnited | Current 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 automation | February 2026 10-K; January 2026 call ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm), [Yahoo Finance](https://finance.yahoo.com/news/bankunited-bku-q4-2025-earnings-155351688.html), [BankUnited (SEC filings)](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000008/bkuinvestorpresentation_.htm)) |
| Valley | About $15 million of run-rate savings against $3 million to $4 million of new AI expense; three vendor contracts 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/)) |
| 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 operations | February to April 2026 ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm), [Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000114036126016415/ny20070640x1_defm14a.htm), [American Banker](https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth)) |
| Texas Capital | Continues to invest in automation, data and artificial intelligence on a cloud-native platform | 2026 ([Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |

## 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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400824000006/bku-20231231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400825000005/bku-20241231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000043/bku-20260331.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm))

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. ([Bank Automation News](https://bankautomationnews.com/allposts/ai/bankunited-cto-to-speak-at-bank-automation-summit-u-s-2024), [Bank Automation News](https://bankautomationnews.com/allposts/ai/bankunited-deploys-chatbot-for-internal-searches), [Bank Automation News](https://bankautomationnews.com/allposts/business-banking/movers-and-shakers-michael-lehmbeck-new-cio-at-agfirst), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/))

## 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. ([Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk (Business Wire)](https://businesswire.com/news/home/20240304488255/en/Talkdesk-Unveils-Talkdesk-Autopilot-a-Generative-Artificial-Intelligence-Customer-Service-Experience-with-New-Self-Service-Use-Cases-for-Banks-and-Retailers), [Talkdesk](https://www.talkdesk.com/customers/bankunited/))

### 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. ([Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### 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. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm))

### 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. ([American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/))

### 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. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:33100%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/))

### 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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [American Banker](https://americanbanker.com/news/lisa-shim-bankunited-most-powerful-women-next), [American Banker](https://www.americanbanker.com/news/citigroup-it-veteran-to-become-bankuniteds-chief-information-officer))

### 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/))

### 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). ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:FL%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### 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%. ([Yahoo Finance](https://finance.yahoo.com/news/bankunited-bku-q4-2025-earnings-155351688.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))

## Peers on this site

- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [Webster Bank AI strategy](https://www.bankingnewsai.com/banks/webster) · [vs peers](https://www.bankingnewsai.com/banks/webster/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)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)
- [City National Bank of Florida AI strategy](https://www.bankingnewsai.com/banks/city-national-florida) · [vs peers](https://www.bankingnewsai.com/banks/city-national-florida/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [EverBank Financial Corp AI strategy](https://www.bankingnewsai.com/banks/everbank) · [vs peers](https://www.bankingnewsai.com/banks/everbank/vs-peers)

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49. WaFd, Inc. Enters into a $3.9 Billion Reverse Merger Transaction with EverBank Financial Corp — PR Newswire via FT Markets, Sep 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609071700PR_NEWS_USPRX____NY41981-1
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83. BankUnited deploys chatbot for internal searches — Bank Automation News, Mar 19, 2024. https://bankautomationnews.com/allposts/ai/bankunited-deploys-chatbot-for-internal-searches
84. Movers and shakers: Michael Lehmbeck new CIO at AgFirst — Bank Automation News, May 29, 2025. https://bankautomationnews.com/allposts/business-banking/movers-and-shakers-michael-lehmbeck-new-cio-at-agfirst
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. https://businesswire.com/news/home/20240304488255/en/Talkdesk-Unveils-Talkdesk-Autopilot-a-Generative-Artificial-Intelligence-Customer-Service-Experience-with-New-Self-Service-Use-Cases-for-Banks-and-Retailers
86. Lisa Shim, BankUnited | Most Powerful Women: Next — American Banker, Jul 29, 2020. https://americanbanker.com/news/lisa-shim-bankunited-most-powerful-women-next
87. Citigroup IT Veteran to Become BankUnited's Chief Information Officer — American Banker, Sep 12, 2016. https://www.americanbanker.com/news/citigroup-it-veteran-to-become-bankuniteds-chief-information-officer
88. FDIC Summary of Deposits: Florida, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR:FL%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000

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