Banner Corporation:
the AI strategy, sourced.

Last updated Oct 25, 2026 · 22 dated moves · 27 sources · open AI roles as of Oct 25, 2026

A 135-year-old Northwest bank investing in 'digital platforms and AI capabilities', including a new loan and deposit origination system and a virtual assistant that customers can talk to 'like you would a person', while buying Bank of the Pacific.

How is Banner Bank using AI?

Banner Corporation, the Walla Walla, Washington parent of Banner Bank with $16.3 billion of assets and branches across Washington, Oregon, Idaho and California, discussed with investors in April 2026 its ongoing investments in digital platforms and AI capabilities, including a new loan and deposit origination system, and presented investment in digital infrastructure and talent as key to future competitiveness next to the core-deposit resilience and expense control that CEO Mark Grescovich credits for its results. The most visible AI-adjacent product is the Banner Virtual Assistant, available by phone and secure chat, which answers balance questions, moves money between accounts, troubleshoots debit cards and online banking, and transfers to a representative on request; customers are told to 'speak to the Virtual Assistant like you would a person'. Financially the second quarter of 2026 brought net income of $48.9 million, or $1.43 per diluted share, against $54.7 million in the first quarter and $45.5 million a year earlier, with net interest income of $153.7 million, a 4.13% tax-equivalent margin, revenue up 6% year on year to $172.0 million and a $0.52 dividend; first-half net income was $103.6 million, or $3.03 per share. On 30 April 2026 Banner agreed to buy Pacific Financial Corporation, parent of the $1.29 billion-asset Bank of the Pacific in Aberdeen, Washington, for about $177 million in stock, adding 18 branches and offices in Western Washington and Northern Oregon, immediately accretive to 2027 earnings; the deal closed on 1 September 2026, taking Banner to about $18 billion of assets, with systems integration planned for November. The AI record behind that is governance-first. Banner has run a Generative AI policy since 2023 ('2024 also marked the first full year' of it, per its corporate responsibility report), under which every proposed generative-AI use is vetted by an internal Fintech Council against strategy, risk appetite and data-security policies; the 2026 proxy describes it as a Board-approved policy on the responsible use of generative AI, and the board's nominating committee now looks for artificial-intelligence expertise, adding former Deloitte vice chairman Monica O'Reilly, an adviser on AI and cybersecurity, in March 2026. On the October 2025 call CFO Rob Butterfield said the bank had begun to 'turn on different AI features on existing software' while working on 'a longer-term strategic AI road map', and that it sees AI as 'a longer-term investment' rather than immediate cost reduction; in April 2026 he added that the new loan and deposit origination systems 'went fully live last year', and CEO Grescovich named BSA/AML and a 24/7 call centre as the kind of AI applications regional banks should be expected to invest in, while warning that banks must 'protect the data integrity of our clients'. The 2025 10-K adds an AI risk factor covering model risk, biased data, 'black-box' explainability, data poisoning, over-reliance on AI and disruptions to AI-supported fraud detection and transaction monitoring, and reports information and computer data services expense up 13% to $33.1 million, driven partly by the origination-system rollout. Open roles include a principal AI and cloud security engineer. Banner Bank is a Washington state nonmember bank supervised by the FDIC; no AI vendor, model or budget has been named.

Lead bank

Banner Bank

Assets (lead bank, Jun 30, 2026)

$17 billion

Charter

Washington state nonmember bank (FDIC)

Headquarters

Walla Walla, WA

Flagship platform

Digital platform and AI capability investments; Banner Virtual Assistant

AI leadership

Mark J. Grescovich · Rob Butterfield · Janet M. Brown · Cynthia D. Purcell · James M. (Jim) Costa · Dan Oxford

  • Management discussed ongoing investments in digital platforms and AI capabilities, including a new loan and deposit origination system (April 2026 call, per StockStory).
  • Banner Virtual Assistant handles balances, transfers and troubleshooting by phone and chat, with handoff to staff.
  • Q2 2026 net income $48.9 million ($1.43); NIM 4.13%; revenue $172.0 million (+6%); first-half net income $103.6 million ($3.03).
  • Pacific Financial (Bank of the Pacific) acquisition agreed 30 April 2026: about $177 million in stock; 18 locations; closed 1 September 2026, combined assets about $18 billion; systems integration planned for November 2026.
  • Generative AI policy since 2023, Board-approved, with every proposed Gen AI use vetted by an internal Fintech Council; the board now recruits for AI expertise (2026 proxy, corporate responsibility reports).
  • Calls: AI switched on inside existing software, a longer-term strategic AI roadmap, AI seen as scalability rather than immediate cost cuts (Q3 2025); CEO cites BSA/AML and a 24/7 call centre as regional-bank AI uses (Q1 2026).
  • 2025 10-K: AI risk factor (model risk, bias, black-box explainability, data poisoning); IT and data services expense up 13% to $33.1 million with the new origination system.
  • Core deposit growth of $165 million in Q1 2026 and reduced reliance on brokered CDs.
  • No AI vendor, model inventory or budget disclosed.
  • Banner Virtual Assistant is "guided by artificial intelligence" to interpret requests, holds answers to hundreds of frequently asked questions and is available 24 hours a day; staff take over 7 a.m. to 7 p.m. PT on weekdays by phone (Banner Bank help page).
  • Glia supplies the AI assistants on Banner's voice and digital channels; Glia gave Banner its 2025 Harmonizer Award, and client engagement center director Brenda Wilbur says they let the bank expand service hours without adding agent headcount (October 2025).
  • On the Q3 2025 call CFO Rob Butterfield said Banner continues to invest in fraud-related technology because "our fraud costs outpace our credit losses", alongside the new origination system and an AI roadmap.
  • Technology, operations and risk sit under COO Jim Costa since May 2024; Dan Oxford became Chief Risk Officer in October 2025 with Model Risk, Fraud, Financial Crimes (AML/BSA/OFAC) and Vendor Risk in his remit, and chairs the Risk Management Oversight Committee.
  • Information and computer data services expense rose to $10.3 million in Q2 2026 from $8.2 million a year earlier ($18.6 million against $15.8 million for six months), mainly computer software, including a $924,000 write-off of the old commercial loan origination system (Q2 2026 10-Q and call).
  • The Q2 2026 call and 10-Q add no new AI disclosure: the call focused on the origination system, which Butterfield said automates back-office processes and speeds deals through the pipeline, and the 10-Q mentions AI only in its list of forward-looking risk factors.

What is Digital platform and AI capability investments; Banner Virtual Assistant?

On its April 2026 earnings call Banner's management discussed 'ongoing investments in digital platforms and AI capabilities, including a new loan and deposit origination' system, alongside talent investment, as keys to future competitiveness; CEO Mark Grescovich credited 'a strong core deposit base', 'a very good net interest margin and core expense control'. Customers already interact with the Banner Virtual Assistant by phone or secure chat, which handles balance enquiries, transfers, debit-card and online-banking problems and hands off to a person on request, with identity verified through online-banking sign-in for chat. No AI vendor, model inventory or budget has been disclosed.[2][5]

What AI partnerships and patents does Banner Bank have?

Glia is the only AI partner Banner has publicly tied to its operations: its AI assistants answer voice and digital client questions around the clock and hand off to staff. Banner has not named the vendor of its loan and deposit origination system, any model or cloud provider, or a fraud-detection supplier, and a Google Patents search under the assignee names Banner Bank, Banner Corp and Banner Financial returned no Banner filings.[17][5][23]

ItemWhat it isStatusDate
GliaAI assistants for voice and digital channels in the client engagement center; 2025 Harmonizer AwardIn production2025-10-14[17]

What has Banner Bank done on AI, and when?

Banner Bank's dated AI moves by year2024May 29Technology, operations and risk placed unde…Dec 31First full year of the Generative AI policy2025Jun 242024 corporate responsibility reportJul 17Q2 2025 call: origination modules to go liv…Sep 03Millicent Tracey joins the boardOct 01Dan Oxford becomes Chief Risk OfficerOct 14Glia award for AI assistantsOct 16Q3 2025 call: governance first, then a stra…Nov 04Q3 2025 10-Q: AI in the forward-looking ris…2026Jan 22Q4 2025 call: origination system fully roll…Feb 252025 10-K: AI risk factorFeb 252025 10-K: CIO and CISO lead cybersecurity…Mar 02Monica O'Reilly and Judith Steiner join the…Apr 06Proxy: Board-approved generative-AI policyApr 23Q1 2026 call: digital platforms and AI capa…Apr 30Agreement to acquire Pacific Financial Corp…May 05Q1 2026 10-Q: IT expense up 9% year on yearJul 142025 corporate responsibility report: Gen A…Jul 22Second-quarter 2026 resultsJul 23Q2 2026 call: origination system, no AI dis…Aug 04Q2 2026 10-Q: IT and data services expense…Sep 01Pacific Financial acquisition completed
Figure 1 · Banner Bank's AI moves by year, from the timeline below. Filled boxes are the current year. Every entry cites its source in the list at the end of the page.
  • Sep 1, 2026

    Pacific Financial acquisition completed[11]

    Combined assets about $18 billion; systems integration planned for November.

  • Aug 4, 2026

    Q2 2026 10-Q: IT and data services expense up 26%[27]

    Information and computer data services expense $10.3 million against $8.2 million a year earlier, mainly computer software; AI named only among forward-looking risk factors.

  • Jul 23, 2026

    Q2 2026 call: origination system, no AI discussion[24]

    Loan originations up 45% from Q1; $924,000 write-off of the previous commercial loan origination system; Butterfield credits the new system with automating back-office steps.

  • Jul 22, 2026

    Second-quarter 2026 results[6]

    Net income $48.9 million; NIM 4.13%; $0.52 dividend.

  • Jul 14, 2026

    2025 corporate responsibility report: Gen AI policy and Fintech Council vetting[15]

    Approach maintained in 2025 as 'our internal use expands'.

  • May 5, 2026

    Q1 2026 10-Q: IT expense up 9% year on year[26]

    Information and computer data services expense $8.3 million against $7.6 million; AI again appears only as a forward-looking risk factor.

  • Apr 30, 2026

    Agreement to acquire Pacific Financial Corporation[3][4]

    About $177 million in stock; Bank of the Pacific's 18 locations.

  • Apr 23, 2026

    Q1 2026 call: digital platforms and AI capabilities[2][13][14]

    New loan and deposit origination system; talent investment; core deposits up $165 million. In Q&A the CFO describes a fintech council that evaluates AI and AI switched on within existing platforms; the CEO cites BSA/AML and the call centre as regional-bank AI uses.

  • Apr 6, 2026

    Proxy: Board-approved generative-AI policy[9]

    Nominating committee's board succession planning now includes AI expertise.

  • Mar 2, 2026

    Monica O'Reilly and Judith Steiner join the board[16][10]

    Two new directors.

  • Feb 25, 2026

    2025 10-K: CIO and CISO lead cybersecurity risk management[8][9]

    Item 1C says the programme is led by the Chief Information Officer and Chief Information Security Officer (more than a decade at Banner, unnamed); the board Risk Committee oversees IT and cybersecurity.

  • Feb 25, 2026

    2025 10-K: AI risk factor[8]

    Model risk, biased data, black-box explainability, data poisoning and over-reliance on AI; generative and agentic AI named as competitive threats; origination system implemented during 2025.

  • Jan 22, 2026

    Q4 2025 call: origination system fully rolled out[22]

    Butterfield says IT expenses rose as the new loan and deposit origination system was fully rolled out early in the fourth quarter.

  • Nov 4, 2025

    Q3 2025 10-Q: AI in the forward-looking risk factors[25]

    Lists the ability to adapt to rapid technological change, including advancements in artificial intelligence, digital banking and cybersecurity.

  • Oct 16, 2025

    Q3 2025 call: governance first, then a strategic AI roadmap[12]

    Origination system's first modules live, the rest due in Q4; AI features being turned on in existing software; AI treated as a longer-term scalability investment, not an immediate cost cut.

  • Oct 14, 2025

    Glia award for AI assistants[17]

    Glia gave Banner its 2025 Harmonizer Award for unifying voice and digital service with AI agents that extend hours and hand off smoothly to human staff.

  • Oct 1, 2025

    Dan Oxford becomes Chief Risk Officer[19]

    Remit covers Enterprise, Model, Climate and Vendor Risk, Compliance, Financial Crimes (AML/BSA/OFAC), Fraud, Appraisal and Credit Review; the post was previously held by COO Jim Costa. The release gives the month only.

  • Sep 3, 2025

    Millicent Tracey joins the board[7]

    Board refresh.

  • Jul 17, 2025

    Q2 2025 call: origination modules to go live in the second half[20]

    CFO Rob Butterfield expects IT expenses to rise as modules of the new deposit and loan origination system go live, partly offset over time by back-office space consolidation.

  • Jun 24, 2025

    2024 corporate responsibility report[1]

    Governance and community disclosures.

  • Dec 31, 2024

    First full year of the Generative AI policy[1]

    Proposed Gen AI uses vetted by the Fintech Council; process refined to 'better facilitate innovation in day-to-day work'.

  • May 29, 2024

    Technology, operations and risk placed under a new COO[18]

    Jim Costa, already Chief Risk Officer, becomes Chief Operating Officer; CEO Mark Grescovich says bringing together the technology, operations and risk teams will create synergies.

Where does Banner Bank use AI today?

Banner Bank's AI systems on the status ladder from announced to in productionANNOUNCEDPILOTROLLING OUTIN PRODUCTIONBanner Virtual AssistantNew loan and deposit origination systemBank of the Pacific integrationGenerative AI policy and Fintech Council ve…AI features turned on in existing softwareAI risk-factor disclosureGlia AI assistants in the client engagement…Fraud-related technology investmentBSA/AML as a named AI useModel Risk team under the Chief Risk OfficerCIO- and CISO-led information security prog…Vendor Risk team and third-party RFP questi…
Figure 2 · Where AI runs at Banner Bank, and how far along. 9 of 12 named systems are in production; the rest are rolling out, piloted or announced. Status is as described in the cited source at its date.
SystemWhat it doesStatusUse case
Banner Virtual Assistant[5]Conversational phone and chat assistant for account servicing with human handoff.In productionCustomer-facing chatbots
New loan and deposit origination system[2][8][13]Part of digital-platform and AI-capability investment; implemented during 2025 and fully live by year-end.In productionCredit scoring & underwriting
Bank of the Pacific integration[3][11]18 locations to be converted after a Q3 2026 close; the deal closed on 1 September 2026 and systems integration is planned for November.Rolling outThird-party & vendor AI
Generative AI policy and Fintech Council vetting[1][15][9]Board-approved policy since 2023; every proposed Gen AI application is vetted by the Fintech Council against strategic priorities, values, risk appetite and data-security policies.In productionAI governance (general)
AI features turned on in existing software[12][13]Banner's first AI adoption is enabling AI inside software platforms it already runs, alongside a longer-term strategic AI roadmap.In productionGenerative & agentic AI
AI risk-factor disclosure[8]The 10-K flags model risk, biased data, black-box explainability, data poisoning and disruption to AI-supported fraud detection, transaction monitoring and client support.In productionModel risk management
Glia AI assistants in the client engagement center[17]Glia AI assistants on voice and digital channels answer basic client questions 24/7 and hand off to staff; client engagement center director Brenda Wilbur says they let Banner 'expand our service hours without increasing agent headcount'.In productionCustomer-facing chatbots
Fraud-related technology investment[21][8]CFO Rob Butterfield said in October 2025 that fraud costs outpace credit losses and that Banner keeps investing in fraud-related technology; the 10-K warns that AI disruptions could affect AI-supported fraud detection and transaction monitoring. No fraud vendor or model is named.Rolling outFraud detection
BSA/AML as a named AI use[23][19]CEO Mark Grescovich named BSA/AML tools as an example of where regional banks will invest in AI in April 2026; financial crimes (AML/BSA/OFAC) reports to the Chief Risk Officer. No product is named.AnnouncedAML / KYC
Model Risk team under the Chief Risk Officer[19][9]The Model Risk function sits in Dan Oxford's remit with Enterprise Risk, Compliance, Fraud and Vendor Risk, reporting to the board Risk Committee and the COO; the Risk Committee oversees IT and cybersecurity.In productionModel risk management
CIO- and CISO-led information security programme[8][9]The cybersecurity programme is led by CIO Janet Brown and a Chief Information Security Officer (unnamed, more than a decade at Banner), with vendor risk oversight through due diligence, and the 10-K lists data poisoning and adversarial attacks among AI risks.In productionCybersecurity
Vendor Risk team and third-party RFP questions[19][1]Vendor Risk reports to the Chief Risk Officer; Banner's 2024 request-for-proposal rounds added questions on corporate responsibility and ethical practices.In productionThird-party & vendor AI

Use-case links open the tracker's rules-by-use-case matrix: which documents govern each system type.

Which AI vendors and fintechs does Banner Bank work with?

CompanyWhat Banner Bank uses it forStatusCategory
GliaGlia AI assistants on voice and digital channels in Banner's client engagement center, extending service hours with hand-offs to human staff; winner of Glia's 2025 Harmonizer Award.In productionConversational AI

Each vendor and fintech page cites the source for the relationship, and vendor pages list products, pricing and other bank customers. Compare AI tools for banks by category, or read the fintech and neobank AI dossiers.

What has Banner Bank disclosed in numbers?

MetricValueAs of
Q2 2026 net income / diluted EPS$48.9 million / $1.43[6]Jul 22, 2026
Net interest margin / revenue, Q2 20264.13% / $172.0 million[6]Jul 22, 2026
Pacific Financial acquisition≈ $177 million in stock; $1.29 billion assets[4][3]Apr 30, 2026
Core deposit growth, Q1 2026$165 million[2]Apr 22, 2026
Information and computer data services expense, 2025$33.1 million (+13% from $29.2 million)[8]Dec 31, 2025
Combined assets after Pacific Financial close≈ $18 billion[11]Sep 1, 2026
Information and computer data services expense, Q2 2026$10.3 million (Q2 2025: $8.2 million)[27]Jun 30, 2026
Information and computer data services expense, first half 2026$18.6 million (first half 2025: $15.8 million)[27]Jun 30, 2026
Information and computer data services expense, Q1 2026$8.3 million (Q1 2025: $7.6 million)[26]Mar 31, 2026
Write-off of the previous commercial loan origination system, Q2 2026$924,000[24]Jul 23, 2026
Loan originations, Q2 2026 against Q1 2026+45% (commercial +85%, construction +73%)[24]Jul 23, 2026
Banner Virtual Assistant availability24 hours a day, 7 days a week; staff 7 a.m. to 7 p.m. PT weekdays by phone[5]Sep 24, 2026

“Bank of the Pacific is a highly-respected, financially strong community bank with exceptional core deposits, and we're pleased they selected Banner as their merger partner.”[3]

Mark J. Grescovich · President and CEO · Apr 30, 2026

“But when we think about AI, we don't think about it as immediate cost reductions. We think about AI as being a longer-term investment that will give the scalability to the organization.”[12]

Robert Butterfield · Executive Vice President and Chief Financial Officer · Oct 16, 2025

“Examples of AI applications would be in BSA/AML, where you can really utilize some of the tools, and in the call center, which can allow you to be more responsive to your client base over a 24/7 period.”[13]

Mark J. Grescovich · President and CEO · Apr 23, 2026

“Monica’s distinguished background advising Fortune 500 boards on regulatory compliance, cybersecurity and artificial intelligence, alongside Judy’s significant expertise in legal, risk and compliance, collectively strengthens our Board in meaningful ways.”[10]

Mark J. Grescovich · President and CEO · Mar 2, 2026

“Speak to the Virtual Assistant like you would a person. Use short sentences to explain what you need, rather than keywords.”[5]

Banner Bank · Virtual Assistant guidance · Sep 24, 2026

“Other areas that we continue to invest in is fraud-related technology, which, I mean, we've talked about multiple times that our fraud costs outpace our credit losses.”[21]

Robert Butterfield · Executive Vice President and Chief Financial Officer · Oct 16, 2025

“We have started to adopt some AI technology. At this point, it's more turning on AI within existing software platforms.”[23]

Rob Butterfield · Chief Financial Officer · Apr 23, 2026

“When you think about AI, regional banks like us, we want to be very cautious and make sure that we're protecting the data integrity of our clients.”[23]

Mark Grescovich · President and Chief Executive Officer · Apr 23, 2026

“We've been able to expand our service hours without increasing agent headcount.”[17]

Brenda Wilbur · Senior Vice President and Client Engagement Center Director · Oct 14, 2025

“It really automates a lot of the processes and allows the time it takes a deal to get through the system from start to finish.”[24]

Rob Butterfield · Chief Financial Officer · Jul 23, 2026

Who runs AI at Banner Bank?

Mark J. GrescovichLinkedIn ↗

President and CEO[3][2]

Rob ButterfieldLinkedIn ↗

Chief Financial Officer[2][12][13]

Janet M. BrownLinkedIn ↗

Executive Vice President, Chief Information Officer (since 2020)[9]

Cynthia D. PurcellLinkedIn ↗

Executive Vice President, Chief Strategy and Administration Officer (digital strategy and delivery channels)[9]

James M. (Jim) Costa

Executive Vice President, Chief Operating Officer (technology, operations and risk teams brought together under him in May 2024; Chief Risk Officer until October 2025)[18][19][9]

Dan Oxford

Executive Vice President, Chief Risk Officer (since October 2025; Model Risk, Fraud, Financial Crimes, Vendor Risk and Compliance; chairs the Risk Management Oversight Committee)[19][9]

What AI roles is Banner Bank hiring for?

Data as of · 1 AI-titled posting · read from Banner Bank's own careers site, re-checked weekly

1 open AI-related posting on Banner Bank's careers site as of Oct 25, 2026. A snapshot of current openings, not a source: postings close. Compare with other banks on which banks are hiring for AI.

Which regulators govern Banner Bank's AI?

The regulators around Banner Bank's AIBanner BankFDIC2 documentsCFPB2 documentsState of California1 document
Figure 3 · The regulatory perimeter. Each authority links to its tracker page; the number is how many of its documents this page cites. Solid lines are the bank's direct supervisors; dashed lines are consumer, market and global standard-setters that reach it through its activities.
AuthorityWhy it matters hereDocuments
FDICBanner Bank is a state nonmember bank; FDIC model-risk and third-party guidance govern the origination system and virtual assistant.FDIC FIL-29-2023
FDIC FIL-15-2026
CFPBA customer-facing virtual assistant and automated origination fall under CFPB chatbot guidance and adverse-action rules.CFPB Chatbots in Consumer Finance (issue spotlight, 2023)
ECOA / Regulation B adverse action (15 U.S.C. 1691(d); 12 CFR 1002.9)
State of CaliforniaCalifornia branches bring the state's automated-decision and privacy rules into scope.CPPA ADMT, risk-assessment and cybersecurity-audit regulations

Side by side: SR 11-7 vs SR 26-2 · OCC vs CFPB on AI lending · all comparisons.

What does the public record suggest about Banner Bank's AI strategy?

Analysis by BankingNewsAI from the sources cited on this page. Observations, not advice.

01

Origination systems are where AI enters credit

A new loan and deposit origination platform is the point at which decisioning models get embedded; the governance file should be built now.

02

The virtual assistant is already a CFPB matter

Conversational servicing with identity verification sits inside chatbot guidance; escalation and complaint metrics should be tracked.

03

Merger conversion will compete for the same team

Integrating Bank of the Pacific in late 2026 will pull technology capacity from the AI roadmap; sequence deliberately.

04

Name the capabilities

'AI capabilities' in a call is a start; investors will want the use cases and expected efficiency effect.

Where does the Banner Bank record go deeper?

Which leader rankings does Banner Bank appear in?

2 of the computed leaders rankings include Banner Bank, each ranked from the same sourced bank pages.

How does Banner Bank compare with its peers?

Its peer group on this site, by business model and size:

Does Banner Bank use AI?

Banner says it is investing in digital platforms and AI capabilities, including a new loan and deposit origination system, and operates a conversational Banner Virtual Assistant for account servicing by phone and chat. It governs generative AI through a Board-approved policy under which an internal Fintech Council vets every proposed use, and says it has begun by turning on AI features in existing software. No vendor, model or budget has been disclosed.

What is Banner acquiring?

Pacific Financial Corporation, parent of Bank of the Pacific in Aberdeen, Washington, with $1.29 billion of assets and 18 locations in Western Washington and Northern Oregon, for about $177 million in stock. The deal, announced 30 April 2026, closed on 1 September 2026, creating a bank of about $18 billion in assets; systems integration is planned for November.

Who leads AI at Banner Bank?

Banner has not named a head of AI, chief AI officer or chief data officer. Generative-AI use is vetted by an internal Fintech Council, which CFO Rob Butterfield described on the April 2026 call, under a Board-approved policy. Janet Brown, Chief Information Officer since 2020, directs IT and security; Jim Costa, Chief Operating Officer since May 2024, oversees technology, operations and risk teams; Dan Oxford, Chief Risk Officer since October 2025, owns Model Risk, Fraud and Vendor Risk; Brenda Wilbur runs the client engagement center that uses Glia AI assistants. CEO Mark Grescovich frames AI as cautious, data-protective investment.

Which AI vendors does Banner Bank use?

Glia is the only AI vendor Banner has publicly tied to its operations: its AI assistants handle voice and digital client questions around the clock and hand off to staff, and Glia gave Banner its 2025 Harmonizer Award in October 2025. Banner has not named the vendor of its new loan and deposit origination system, a cloud or model provider, or a fraud-detection supplier, and no Banner-assigned AI patents turned up in a Google Patents search.

Did Banner Bank discuss AI on its second-quarter 2026 earnings call?

Not in the transcript reviewed. The 23 July 2026 call focused on loan originations, which rose 45% from the first quarter, the Bank of the Pacific merger and expenses, including a $924,000 write-off of the old commercial loan origination system. The Q2 10-Q, filed 4 August 2026, names AI only in its forward-looking risk factors. AI strategy remarks came on the October 2025 and April 2026 calls, when management described a Fintech Council, AI switched on within existing software and a longer-term AI roadmap.

  1. Corporate Responsibility Report 2024
    Banner Bank · Jun 24, 2025
  2. BANR Q1 Deep Dive: Deposit Growth, Margin Resilience, and Strategic Positioning
    StockStory (Yahoo Finance) · Apr 23, 2026
  3. Banner Corporation to Acquire Pacific Financial Corporation
    Banner Corporation · Apr 30, 2026
  4. Banner to buy Pacific Financial, boosting presence in Northwest
    American Banker · May 1, 2026
  5. Banner Virtual Assistant
    Banner Bank · Sep 24, 2026
  6. Banner Corporation Reports Net Income of $48.9 Million, or $1.43 Per Diluted Share, for Second Quarter 2026
    Banner Corporation · Jul 22, 2026
  7. Millicent Tracey Joins Banner Corporation Board of Directors
    Banner Corporation · Sep 3, 2025
  8. Banner Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Banner Corporation (SEC filings) · Feb 25, 2026
  9. Banner Corporation 2026 Proxy Statement (Schedule 14A)
    Banner Corporation (SEC filings) · Apr 6, 2026
  10. Monica O’Reilly and Judith Steiner Join Banner Corporation Board of Directors (Form 8-K, Exhibit 99.1)
    Banner Corporation (SEC filings) · Mar 2, 2026
  11. Banner Corporation Completes Acquisition of Pacific Financial Corporation (Form 8-K, Exhibit 99.1)
    Banner Corporation (SEC filings) · Sep 1, 2026
  12. Banner (BANR) Q3 2025 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Apr 22, 2026
  13. Banner (BANR) Q1 2026 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Apr 23, 2026
  14. Banner Q1 Earnings Call Highlights
    MarketBeat (Yahoo Finance) · Apr 23, 2026
  15. Corporate Responsibility Report 2025
    Banner Bank · Jul 14, 2026
  16. Monica O'Reilly and Judith Steiner Join Banner Corporation Board of Directors
    Banner Corporation · Mar 2, 2026
  17. Glia Announces 2025 Catalyst Awards Winners, Celebrating AI-Driven Breakthroughs in Community Banking
    Glia · Oct 14, 2025
  18. Jim Costa promoted to expanded role including Chief Operating Officer
    Banner Bank · May 29, 2024
  19. Dan Oxford Promoted to Executive Vice President and Chief Risk Officer
    Banner Bank · Oct 1, 2025
  20. Banner (BANR) Q2 2025 Earnings Transcript
    The Motley Fool · Apr 22, 2026
  21. Banner (BANR) Q3 2025 Earnings Call Transcript
    The Motley Fool · Apr 22, 2026
  22. Banner (BANR) Q4 2025 Earnings Call Transcript
    The Motley Fool · Apr 21, 2026
  23. Earnings call transcript: Banner Corporation Q1 2026 shows strong earnings beat
    Investing.com · Apr 23, 2026
  24. Earnings call transcript: Banner misses Q2 2026 estimates as shares slip
    Investing.com · Jul 23, 2026
  25. Banner Corporation Quarterly Report on Form 10-Q for the quarter ended September 30, 2025
    Banner Corporation (SEC filings) · Nov 4, 2025
  26. Banner Corporation Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Banner Corporation (SEC filings) · May 5, 2026
  27. Banner Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Banner Corporation (SEC filings) · Aug 4, 2026

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