# BOK Financial Corporation vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/bok-financial/vs-peers
Last updated: Oct 19, 2026

*Part of the [BOK Financial Corporation AI strategy profile](https://www.bankingnewsai.com/banks/bok-financial). Peer group: Cullen/Frost Bankers, Arvest Bank, BancFirst Corporation, Commerce Bancshares, UMB Financial, Prosperity Bancshares, Texas Capital Bancshares, Zions Bancorporation.*

## How does BOK Financial Corporation compare with its peers on AI and technology?

On this site's AI disclosure index BOK Financial scores 41.8 (#69 of 120 US banks), fifth in a nine-bank group of Southwest and central banks behind Zions (59.6), Frost (49.3), Texas Capital (49.1) and UMB (47.9), and ahead of Prosperity (40), Arvest (37.2), Commerce (34) and BancFirst (11.3). What sets it apart is governance and a named data owner rather than deployments. Its 2025 10-K, filed February 18, 2026, says every AI initiative is reviewed for data quality, bias, regulatory compliance and ethics, with periodic board updates, and its chief data and analytics officer, Shanthi Pudota, owns enterprise data and AI strategy (March 2026). Its one disclosed deployment comes from a vendor: Vanilla says BOK's Advisor Trust Services team saves about four hours on each initial trust review (August 2026). Where it trails is anything counted. AI came up on none of its four earnings calls from October 2025 to July 2026, and it discloses no adoption, budget or customer metric. Texas Capital says about 80% of employees used its in-house Ranger platform in the four weeks before April 2026; Zions put generative-AI use at 56% of its workforce; Frost reports digital account-opening completion rising from 50% to 80% on Blend. In its home state BOK is the largest institution, with 14% of Oklahoma's deposits and 33% of Tulsa's, and its 10-K says the two nationwide banks it meets there have greater access to technology resources. Bank of America's Erica helps more than 24.6 million clients; BOK discloses no customer assistant. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

## Where does BOK Financial lead its peers on AI?

- **More independent coverage than all but Zions.** BOK Financial scores 9 on independent sources, second in its nine-bank group behind Zions (11) and above the median of 6.5; its chief data and analytics officer has been covered by American Banker, CIO Dive and Forbes. Texas Capital and Prosperity score 6, Commerce and BancFirst 3. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [CIO Dive](https://ciodive.com/news/ai-drives-cloud-spend-focus/803279), [Forbes](https://forbes.com/sites/pamkaur/2026/03/30/the-women-behind-fintechs-most-important-infrastructure-decisions))
- **A named owner of data and AI strategy.** Shanthi Pudota, BOK's chief data and analytics officer, leads enterprise data and AI strategy and a data-first operating model (March 2026). Frost's 10-K names no AI or data officer, and Arvest created a chief information officer role only in December 2025; Texas Capital added a chief digital and information officer in July 2026. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm), [Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))
- **A per-initiative AI review written into the 10-K.** BOK's 2025 10-K says each AI initiative is assessed for data quality, bias, regulatory compliance and ethics, with periodic board updates. BancFirst's 10-K says AI 'is not material to us at this time', and Prosperity's names AI only as a risk; UMB's 2026 proxy gives its board Risk Committee oversight of emerging technology including AI. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm))
- **AI in trust operations, where Frost and Commerce are cautious.** Vanilla reports that BOK's Advisor Trust Services team saves about four hours on each initial trust review with its AI platform, after a security review of close to a year (August 2026). Frost Investment Services limits AI tools to internal research and administration (March 2026); Commerce's 2025 annual report says its wealth unit is 'actively exploring' AI tools. ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Frost Bank](https://www.frostbank.com/FormADVPart2A), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf))

## Where does BOK Financial trail its peers on AI?

- **Silent on AI to investors while UMB and Texas Capital talk about it.** AI came up on none of BOK's four earnings calls from October 2025 to July 2026. UMB's CEO said in April 2026 that machine learning is being deployed across the whole organization, and Texas Capital laid out a three-pronged AI strategy, with agents in loan operations and fraud, on its April 2026 call. ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- **No staff adoption figure, unlike Texas Capital and Zions.** Texas Capital says about 80% of employees used its in-house Ranger platform in the four weeks before April 23, 2026, and staff built 280 agents; Zions said 56% of its workforce was using generative AI in September 2025. BOK has disclosed no internal AI platform or adoption share. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))
- **No customer digital metric while Frost and Commerce publish theirs.** Frost reports 81% of checking households engaging digitally and 53% of consumer deposit accounts opened online (Q2 2026); Commerce reports 82% digital penetration and a 4.7 app rating. BOK publishes no digital-user, app or online-opening figure. ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))
- **The fewest use cases described in the group.** BOK's profile describes 6 AI use cases, 4 of them in production, last in the group (median 10); Texas Capital describes 16 and Zions 16. Even BancFirst, which calls AI immaterial, is named by Cisco as a Webex AI Agent customer. ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations))

## Where does BOK Financial 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.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)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [BOK Financial Corporation (this page)](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | [37.2](https://www.bankingnewsai.com/banks/ai-index) | #79 of 120 | [7](https://www.bankingnewsai.com/banks/arvest#sources) | [12](https://www.bankingnewsai.com/banks/arvest#sources) | [4 of 11](https://www.bankingnewsai.com/banks/arvest#where) | [9](https://www.bankingnewsai.com/banks/arvest#timeline) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | [11.3](https://www.bankingnewsai.com/banks/ai-index) | #101 of 120 | [3](https://www.bankingnewsai.com/banks/bancfirst#sources) | [14](https://www.bankingnewsai.com/banks/bancfirst#sources) | [6 of 7](https://www.bankingnewsai.com/banks/bancfirst#where) | [11](https://www.bankingnewsai.com/banks/bancfirst#timeline) | Not disclosed |

## On which parts of the AI record is BOK Financial ahead of or behind its peers?

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

| Component (weight) | BOK Financial | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 9 | 6.5 | [Zions (11)](https://www.bankingnewsai.com/banks/zions) | 2nd of 9 |
| Use cases in production (10%) | 4 | 6.5 | [Zions (10)](https://www.bankingnewsai.com/banks/zions) | 7th of 9 |
| Own primary disclosures (10%) | 18 | 14.5 | [Commerce (21)](https://www.bankingnewsai.com/banks/commerce) | 2nd of 9 |
| Dated moves, last 12 months (10%) | 20 | 15.5 | [Texas Capital (21)](https://www.bankingnewsai.com/banks/texas-capital) | 2nd of 9 |
| Disclosed numbers (5%) | 12 | 12.5 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 5th of 9 |
| Named AI leaders (5%) | 9 | 7.5 | [Frost (12)](https://www.bankingnewsai.com/banks/frost) | 4th of 9 |
| Use cases described (5%) | 6 | 10 | [Zions (16)](https://www.bankingnewsai.com/banks/zions) | 9th of 9 |

## What has each bank in BOK Financial'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 |
| --- | --- | --- | --- | --- | --- |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [7, incl. Matt Machen (President and CEO)](https://www.bankingnewsai.com/banks/arvest#people) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) | Employees (call report): 6,087 (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) | Not disclosed | Not surveyed |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | Not disclosed | [4, incl. David Harlow (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bancfirst#people) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [American Banker](https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival)) | Full-time-equivalent employees: 2,260 (Dec 31, 2025) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm)) | Not disclosed | Not surveyed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [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 |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of BOK Financial 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 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| 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 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 7, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.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 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 23, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | CEO Harlow's second-quarter comment omits AI ([BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |
| May 5, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| Apr 8, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 20th among US banks on Forbes' World's Best Banks ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) |

## How does BOK Financial compare with JPMorgan Chase and Bank of America, its nationwide rivals in Oklahoma?

BOK's 10-K says it competes in Tulsa and Oklahoma City with two banks that operate nationwide and have greater access to technology resources. FDIC data show JPMorgan Chase and Bank of America in both metros (June 30, 2025).

| Bank | Tulsa / Oklahoma City deposit share | Customer AI assistant | Digital reach and staff AI |
| --- | --- | --- | --- |
| BOK Financial | 32.74% (21 offices) / 12.67% (15 offices) | None disclosed | No digital-user figure; Vanilla AI trust-document review (vendor-reported) ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| JPMorgan Chase | 3.38% (9 offices) / 7.66% (16 offices) | No consumer assistant launched; a consumer travel agent targeted for pilot before the end of 2026 | 74.6 million active digital customers (2025); LLM Suite with 150,000 weekly users (February 2026) ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |
| Bank of America | 4.50% (9 offices) / 7.00% (9 offices) | Erica: helps more than 24.6 million clients; 3.6 billion interactions since 2018 | 60 million clients use its digital capabilities; about 200,000 active users of general-purpose AI tools (June 30, 2026) ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [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)) |

## How does BOK Financial's AI leadership and governance compare with its peers'?

The executive or committee each bank names for data, AI or technology, and what its filings say about AI.

| Bank | Named owner | What the filings say | Date |
| --- | --- | --- | --- |
| BOK Financial | Shanthi Pudota, chief data and analytics officer (enterprise data and AI strategy) | Per-initiative review of data quality, bias, compliance and ethics; periodic board updates | February and March 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Texas Capital | Mo Jamous, chief digital and information officer (AI enablement in remit) | AI named among forward-looking risks | July 2026 ([Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000059/tcbi-20260630.htm)) |
| Zions | CIO Margaret Mayer after a March 2026 leadership split | A Data and AI Governance Committee; no fully autonomous AI in critical or client-facing decisions | February and March 2026 ([Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)) |
| Frost | No AI or data officer; CIO reports to the chief consumer banking officer | AI's 'unintended consequences', AI-enabled attacks and fraud | February 2026 ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm)) |
| UMB | Board Risk Committee with AI in its remit | Seven mentions of artificial intelligence in the 2025 10-K | March 2026 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm)) |
| Arvest | Jennifer Baker, chief information officer (new role); COO over technology | Private company; no 10-K | December 2025 ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [KNWA/KFTA (Yahoo Finance)](https://finance.yahoo.com/news/arvest-ceo-retires-coo-over-182143122.html)) |
| BancFirst | Information Security Committee | AI 'not material to us at this time' | February and April 2026 ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526141692/banf-20260403.htm)) |

## What AI has each bank in BOK Financial's group actually deployed?

The deployments on the record and the result disclosed, including vendor-reported figures (marked).

| Bank | Deployment | Result disclosed | Date |
| --- | --- | --- | --- |
| BOK Financial | Vanilla AI review of trust documents; AI in fraud defenses (CISO statement) | About four hours saved per initial trust review (vendor-reported); no fraud result named | July 2025; August 2026 ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [BOK Financial](https://www.bokfinancial.com/insights/articles/businesses-brace-for-fraudulent-payments)) |
| Texas Capital | Ranger multi-LLM platform; agents in loan operations and fraud | About 80% of employees in four weeks; 280 employee-built agents | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Frost | Contact-center copilot; Blend account opening | 38% more calls on 14% more staff; completion 50% to 80% | August 2026 ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |
| Zions | Gemini-based enterprise AI; Zest AI in lending (vendor-disclosed) | 56% of staff using generative AI | September 2025; August 2026 ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| BancFirst | Webex AI Agent for internal support (per Cisco) | Customer named by Cisco; no results disclosed by the bank | September 2025 ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations)) |
| Arvest | Cloud migration; Google AI Code Assist and Gemini under review | 40% of targeted applications in the cloud | April 2025 ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) |

## Which banks are BOK Financial's peers, and why these?

BOK Financial Corporation is compared here with Cullen/Frost Bankers, Arvest Bank, BancFirst Corporation, Commerce Bancshares, UMB Financial, Prosperity Bancshares, Texas Capital Bancshares and Zions Bancorporation: chosen by the editors for this page (see the note below the table). BOK Financial Corporation is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in banks from Pennsylvania, New Jersey, Florida and the West Coast; this group holds the banks BOK meets in its own states (Arvest and BancFirst in Oklahoma, Frost, Prosperity and Texas Capital in Texas, Commerce and UMB in Kansas City, Zions in Texas, Colorado, New Mexico and Arizona), five of which (Frost, Prosperity, Texas Capital, Commerce and UMB) also sit in BOK's own 2025 performance peer group.

## Common questions

### Is BOK Financial better than Frost at AI?

The record cannot settle capability, but Frost has put more on it: 49.3 on this site's disclosure index against BOK's 41.8. Frost reports customer results, such as digital account-opening completion rising from 50% to 80% on Blend; BOK reports a governance process and a vendor-reported trust-review saving of about four hours per review. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster))

### Does BOK Financial have an AI assistant for customers?

None is disclosed. BOK's public AI content for customers is fraud guidance on AI-written phishing, voice cloning and deepfakes. Bank of America's Erica helps more than 24.6 million clients; Bank of America also holds 4.50% of Tulsa deposits and 7.00% of Oklahoma City's (June 2025). ([BOK Financial](https://bokfinancial.com/Insights/articles/business-fraud-has-changed-so-have-the-warning-signs), [BOK Financial](https://bokfinancial.com/Insights/articles/How-to-protect-your-business-from-AI-driven-fraud-and-payment-scams), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Oklahoma%20City,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### How does BOK Financial compare with Texas Capital on AI?

Texas Capital scores 49.1 on this site's disclosure index and BOK 41.8. Texas Capital reports an in-house platform, Ranger, used by about 80% of employees, 280 employee-built agents and a chief digital and information officer appointed in July 2026; BOK reports a chief data and analytics officer and a per-initiative AI review in its 10-K. ([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), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

### How does BOK Financial compare with Arvest and BancFirst?

BOK scores 41.8, Arvest 37.2 and BancFirst 11.3. Arvest has described a cloud migration (40% of targeted applications by April 2025) and a review of Google's AI tools; BancFirst says AI is not material to it but uses a Webex AI Agent for internal support. BOK leads both on independent coverage and named AI ownership. ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))

### Who leads AI at BOK Financial?

Shanthi Pudota, SVP and chief data and analytics officer, leads enterprise data and AI strategy. CIO Derek Martin runs enterprise operations and IT, and CISO Paul Tucker, who reports to chief risk officer Mindy Mahaney, has spoken on AI-enabled fraud. The 2025 10-K says the board gets periodic AI governance updates but does not approve individual AI capabilities. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000023/bokf-20260318.htm), [BOK Financial](https://bokfinancial.com/Insights/articles/business-fraud-has-changed-so-have-the-warning-signs), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

### How does BOK Financial's technology spending compare with its peers?

BOK discloses no AI budget; its data processing and communications expense was $198.5 million in 2025, up 6% on ongoing projects. Prosperity's CEO put annual technology spend at $75 million to $90 million (April 2026), and Commerce's data processing and software expense rose 16.2% year on year in Q2 2026. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm))

### What does BOK Financial lead on if not AI disclosure?

Home-market scale and fee businesses. It is the largest financial institution in Oklahoma with 14% of the state's deposits and 33% of Tulsa's, and it services about $127 billion of assets under management or administration, with a broker-dealer, BOK Financial Securities, that underwrites municipal bonds. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tulsa,%20OK&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

## Peers on this site

- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/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)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)

## Sources

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34. AI POV: Impacts on the markets and what the future may hold — UMB Financial, Mar 2, 2026. https://blog.umb.com/economy-ai-impacts-on-the-markets/
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41. Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending — Baker Hill (PR Newswire), Feb 9, 2026. https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html
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