# First Busey Corporation competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/busey/competitors
Last updated: Oct 20, 2026

*Part of the [First Busey Corporation AI strategy profile](https://www.bankingnewsai.com/banks/busey). Peer group: First Merchants Corporation, Central Bancompany, Enterprise Financial Services Corp, First Financial Bancorp, Commerce Bancshares, Old National Bancorp, Wintrust Financial Corporation, UMB Financial.*

## Who are First Busey Corporation's competitors, and what are the alternatives?

Busey's 2025 10-K, filed February 26, 2026, says Busey Bank competes with national and state banks, savings and loan associations and credit unions for deposits and loans, and that Busey Bank and FirsTech also compete with asset managers, brokers, payment technology companies, fintech companies and digital asset providers. Its 79 banking centers span 10 states, and its strongest positions are in central Illinois: it ranked fourth by deposits among Illinois-headquartered institutions and first in Champaign and Macon counties (FDIC data, June 30, 2025). In suburban Chicago it meets Wintrust, with 209 locations, Old National, with 346 banking centers in states including Illinois, and First Financial, which put its Chicagoland franchise at $4.1 billion of deposits after its Finward deal (July 2026). In St. Louis and Kansas City, where Busey has 20 and three banking centers, the rivals are Commerce, with 140 branches in Missouri, Illinois, Kansas, Oklahoma and Colorado, UMB, Central Bancompany and Enterprise. In wealth management Busey's $16.51 billion of assets under care competes with Commerce Trust's $94.5 billion and with brokers such as Schwab. The non-bank rivals are clearest in deposits and payments: its 10-K's risk factors name 'fintech companies offering digital-first products', Chime had 10.4 million active members in June 2026, and Block lists banks that provide payment processing among Square's competitors, the market FirsTech's payment technology fees ($20.0 million in 2025) sit in. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [American Banker](https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does Busey Bank say about its competition?

"Busey Bank competes actively with national and state banks, savings and loan associations, and credit unions for deposits and loans. Busey Bank competes for real estate and other loans primarily on the basis of type of loan, interest rates and loan fees, and the quality of services provided. Busey Bank and FirsTech compete with other financial institutions, including asset management and trust companies, security broker/dealers, personal loan companies, insurance companies, finance companies, leasing companies, mortgage companies, payment technology solution companies, financial technology companies, digital asset providers, and certain governmental agencies, all of which actively engage in marketing various types of loans, deposit accounts, wealth management, and other products and services." ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

"Busey Bank faces substantial competition in attracting deposits from other commercial banks, savings institutions, digital banks, money market and mutual funds, credit unions, insurance agencies, brokerage firms, and other investment vehicles. Customers for banking services are generally influenced by convenience, quality of service and technology, personal contacts, price of services, and availability of products. Busey Bank attracts a significant amount of deposits through its banking centers, primarily from the communities in which those banking centers are located; therefore, competition for those deposits is principally from other commercial banks, savings institutions, and credit unions located in the same communities." ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

"Based on information obtained from the FDIC Summary of Deposits dated June 30, 2025, the most recent report available, out of 349 financial institutions headquartered in the State of Illinois, Busey Bank ranked fourth in total deposits within the Illinois market." ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

From the risk factors of the same 10-K: "Busey operates in highly competitive markets across its geographic footprint, competing with national and regional banks, community banks, credit unions, and a range of non‑bank financial services providers, including fintech companies offering digital‑first products and platforms. Advances in financial technology have enabled non‑banks and large technology firms to provide services historically offered by regulated financial institutions, such as payment processing, credit products, and deposit‑like alternatives." (2025 Form 10-K, filed February 26, 2026.) ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

## Who competes with Busey Bank in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Illinois, St. Louis and Kansas City | [Wintrust Financial](https://www.bankingnewsai.com/banks/wintrust) | Bank | Wintrust owned 16 nationally chartered banks with 209 banking locations in the Chicago area, southern Wisconsin, west Michigan, northwest Indiana and southwest Florida at December 31, 2025; Busey has 11 banking centers in suburban Chicago in its East Region and six more in the Chicago MSA. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Home region: Illinois, St. Louis and Kansas City | [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Bank | Old National operated 346 banking centers at December 31, 2025, primarily in the Midwest and Southeast, including Illinois and Indiana, where Busey runs suburban Chicago branches and an Indianapolis banking center. ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Home region: Illinois, St. Louis and Kansas City | [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Bank | First Financial bought Chicago-area BankFinancial (closed January 1, 2026) and agreed in July 2026 to buy Finward, putting its Chicagoland franchise at $4.1 billion of deposits and more than 40 branches, a third acquirer in Busey's suburban Chicago market. ([American Banker](https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Home region: Illinois, St. Louis and Kansas City | [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Bank | Commerce has 140 branch locations primarily in Missouri, Illinois, Kansas, Oklahoma and Colorado and offices in Kansas City and Clayton; Busey operates 20 banking centers in the St. Louis MSA and three in the Kansas City MSA. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Home region: Illinois, St. Louis and Kansas City | [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | Bank | Central Bancompany operated 155 full-service branches in Missouri, Kansas, Oklahoma and Colorado at December 31, 2025 with a weighted average deposit market share of about 24%; Busey has branches in all four states. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Home region: Illinois, St. Louis and Kansas City | [Enterprise Financial Services](https://www.bankingnewsai.com/banks/enterprise-bank) | Bank | Enterprise is headquartered in Clayton, Missouri in the St. Louis metro and has branches in the Kansas City and Phoenix metros and in New Mexico, overlapping Busey's St. Louis, Kansas City, Arizona and New Mexico locations. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Retail deposits and digital banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | A national bank of the kind Busey's 10-K names first among its rivals; Chase reported 5,083 branches and 74.6 million active digital customers in 2025, and Busey's risk factors warn of 'increasing competition from large banks and fintech firms for retail deposits'. ([JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Retail deposits and digital banking | [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | Bank | Chicago-headquartered BMO's US bank has more than 850 financial centers and 12,000 team members (March 2026), a national-scale rival in the Illinois market where Busey ranks fourth among Illinois-headquartered institutions. ([BMO Financial Group (investor relations)](https://www.bmo.com/pdf/2026BMOInvestoDayTranscript.pdf), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Retail deposits and digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A digital bank of the kind Busey's 10-K lists among deposit competitors; Chime's own 10-K claims a cost advantage over traditional banks from avoiding branches, and it had 10.4 million active members at June 30, 2026. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits and digital banking | Credit unions in the footprint | Credit union | Busey's 10-K says competition for branch-gathered deposits is 'principally from other commercial banks, savings institutions, and credit unions located in the same communities', and its risk factors list credit unions among non-bank competitors. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Commercial banking and specialty lending | [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Bank | Kansas City-based UMB operated 193 banking centers at December 31, 2025 after its $2 billion Heartland acquisition took it from eight to 13 states; Busey runs three Kansas City-area banking centers, two of them in Leawood, Kansas. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Commercial banking and specialty lending | [Wintrust Financial](https://www.bankingnewsai.com/banks/wintrust) | Bank | Wintrust originated about $21.8 billion of premium finance receivables in 2025 and runs specialty lenders such as Wintrust Specialty Finance; Busey runs industry verticals across its footprint in sponsor finance, energy, Life Equity and SBA lending. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Commercial banking and specialty lending | [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Bank | In SBA lending, one of Busey's named verticals, Live Oak's AI-run Live Oak Express program for SBA 7(a) loans below $350,000 originated $82 million in Q2 2026, up 63%. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending)) |
| Wealth management and trust | [Commerce Trust (Commerce Bancshares)](https://www.bankingnewsai.com/banks/commerce) | Bank | Commerce, headquartered in Kansas City with offices in Clayton, Missouri, reported $94.5 billion of trust assets under administration at June 30, 2026, against Busey's $16.51 billion of assets under care. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html)) |
| Wealth management and trust | [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | Bank | Central Bancompany reported $17.3 billion of wealth assets under advice at June 30, 2026, a wealth book of similar size to Busey's in overlapping Missouri, Kansas and Oklahoma markets. ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html), [First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html)) |
| Wealth management and trust | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | Busey's 10-K names security broker/dealers and asset managers among its competitors; Schwab gathered $120 billion of core net new assets in Q2 2026 alone. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607210730BIZWIRE_USPRX____20260721_BW955369-1)) |
| Payments and treasury (FirsTech) | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Busey's 10-K says FirsTech competes with payment technology solution companies and fintech companies; Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |
| Payments and treasury (FirsTech) | [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Bank | Commerce processed $9.9 billion of commercial card volume in 2025 and sells receivables automation to commercial clients, a treasury business that meets Busey's treasury management, whose fees more than doubled in 2025 with CrossFirst's commercial clients. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |

## How do the AI and digital offerings of Busey Bank's competitors compare?

Busey Bank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [First Busey Corporation (this page)](https://www.bankingnewsai.com/banks/busey) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) | [Index 44.9 (#64); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/busey) | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing (Aug 6, 2026) ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm)) |
| [Wintrust Financial](https://www.bankingnewsai.com/banks/wintrust) | AI credit adjudication at Wintrust Specialty Finance: more than 4,000 deals, roughly $500 million, in the first half of 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | [Index 38.1 (#76); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom (Sep 8, 2026) ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | An AI center of excellence; Abrigo's AI Loan Review Assistant (about 31% reviewer efficiency gain, vendor-reported) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/)) | [Index 66 (#40); 14 use cases, 10 in production](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language (Jul 29, 2026) ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Not disclosed | [Index 4.4 (#105); 11 use cases, 8 in production](https://www.bankingnewsai.com/banks/first-financial-ohio) | Succession reshuffle: Anderson president, former CIO Myers COO (Sep 14, 2026) ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm), [American Banker](https://www.americanbanker.com/news/after-year-of-rapid-growth-ohio-bank-revamps-its-top-ranks)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | An AI pillar in its enterprise data strategy and an AI roadmap; 82% digital penetration ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | [Index 34 (#84); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed (Oct 1, 2026) ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | Personetics AI-driven money-management insights: 32.5 million delivered (vendor-reported) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [Index 24.7 (#95); 11 use cases, 8 in production](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised (Aug 14, 2026) ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| [Enterprise Financial Services](https://www.bankingnewsai.com/banks/enterprise-bank) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) | [Index 34.4 (#83); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace (Aug 6, 2026) ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for employees: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [BMO (U.S.)](https://www.bankingnewsai.com/banks/bmo-us) | Lumi employee assistant and the Aura underwriting agent, targeting 50% faster commercial underwriting by 2028 ([BMO AI Hub](https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028)) | [Index 85.8 (#10); 16 use cases, 14 in production](https://www.bankingnewsai.com/banks/bmo-us) | Evident AI Index 2026: top 20 overall, #2 for AI outcomes (Oct 6, 2026) ([BMO (CNW via FT Markets)](https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | AI powers roughly 70% of member-support interactions (January 2026) ([Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| Credit unions in the footprint | Not disclosed | No profile | Not disclosed |
| [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/)) | [Index 47.9 (#61); 10 use cases, 9 in production](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' (Aug 20, 2026) ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Casca AI loan application and origination platform for Live Oak Express ([American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending)) | [Index 53.1 (#54); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/live-oak) | Glia names Live Oak a Catalyst Awards Pacesetter (Oct 8, 2026) ([Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| [Commerce Trust (Commerce Bancshares)](https://www.bankingnewsai.com/banks/commerce) | Commerce Trust live on SS&C Advent Genesis (June 2026); the wealth business is 'actively exploring' AI tools ([Yahoo Finance (SS&C via Business Wire)](https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) | [Index 34 (#84); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed (Oct 1, 2026) ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights generative-AI summaries for all self-directed US retail clients (May 2026) ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot AI business agent for Square sellers (April 2026) ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |

## Who should look beyond Busey Bank, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want branches across the Chicago suburbs | [Wintrust or Old National](https://www.bankingnewsai.com/banks/wintrust) | Busey has 11 banking centers in suburban Chicago plus six more in the Chicago MSA. Wintrust has 209 banking locations across the Chicago area, southern Wisconsin and west Michigan, and Old National 346 banking centers in states including Illinois. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm)) |
| People who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Busey gathers most deposits through its banking centers. Chime's model avoids branches, it had 10.4 million active members at June 30, 2026, and it says AI powers roughly 70% of its member-support interactions. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/)) |
| Small businesses that want a fast, AI-run SBA 7(a) loan below $350,000 | [Live Oak Bank (Live Oak Express)](https://www.bankingnewsai.com/banks/live-oak) | Busey offers SBA lending as one of its verticals but discloses no automated SBA product. Live Oak Express runs on Casca's AI origination platform and targets 7 to 10 days from application to funding. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending)) |
| Self-directed investors who want AI portfolio summaries | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Busey's wealth business is advisory and trust-led and discloses no client AI tool. Schwab's Portfolio Insights generative-AI summaries reached all self-directed US retail clients by the end of May 2026. ([First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) |
| Customers who need branches in the Southeast or on the coasts | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Busey's 79 banking centers are in 10 states, with Florida limited to three around Fort Myers. Chase reported 5,083 branches nationally in 2025. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |

## Where does Busey rank by deposits in its home markets?

Busey Bank's county deposit-share ranks as its 2025 10-K reports them from the FDIC Summary of Deposits at June 30, 2025.

| State | County | Busey Bank rank |
| --- | --- | --- |
| Illinois | Champaign | 1 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Illinois | Macon | 1 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Illinois | Madison | 2 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Illinois | Grundy, McLean | 3 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Illinois | St. Clair, Tazewell, Peoria | 4 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Illinois | Will | 8 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Kansas | Johnson; Sedgwick | 6; 7 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| New Mexico | Harding, Union | 1 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |

## How does Busey's branch network compare with its competitors'?

Branch counts as each bank reports them, with the date.

| Bank | Branches | Where | As of |
| --- | --- | --- | --- |
| Busey | 79 banking centers | 10 states: Illinois, Missouri, Kansas, Oklahoma, Texas, Arizona, Colorado, New Mexico, Florida, Indiana | December 31, 2025 ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Old National | 346 banking centers | Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, North Carolina, North Dakota, Tennessee, Wisconsin | December 31, 2025 ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm)) |
| Wintrust | 209 banking locations | Chicago area, southern Wisconsin, west Michigan | December 31, 2025 ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm)) |
| UMB | 193 banking centers | 13 states | December 31, 2025 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank)) |
| Central Bancompany | 155 full-service branches | Missouri, Kansas, Oklahoma, Colorado | December 31, 2025 ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)) |
| Commerce | 140 branch locations, plus 13 from FineMark | Missouri, Illinois, Kansas, Oklahoma, Colorado; FineMark mainly Florida | December 31, 2025; January 1, 2026 ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm)) |

## Common questions

### Who are Busey Bank's biggest competitors?

In Illinois, Wintrust (209 locations), Old National (346 banking centers in states including Illinois) and First Financial in the Chicago suburbs; in St. Louis and Kansas City, Commerce, UMB, Central Bancompany and Enterprise. Busey's 10-K also names national banks, credit unions, digital banks, brokers and payment technology and fintech companies. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [American Banker](https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### Is Wintrust a competitor of Busey Bank?

Yes, in suburban Chicago. Wintrust had 209 banking locations in the Chicago area, southern Wisconsin and west Michigan at the end of 2025; Busey has 11 banking centers in suburban Chicago and six more in the Chicago MSA. Its CEO described AI as a modest competitive factor in Chicago so far (July 2026). ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html))

### Is Chime a competitor of Busey?

By category, yes: Busey's 10-K lists digital banks among deposit competitors and its risk factors name fintech companies offering digital-first products. Chime had 10.4 million active members at June 30, 2026 and says its model avoids the cost of branches. Neither company names the other. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm))

### Who competes with Busey in St. Louis and Kansas City?

Commerce, headquartered in Kansas City with offices in Clayton, has 140 branches in Missouri, Illinois, Kansas, Oklahoma and Colorado; UMB in Kansas City has 193 banking centers; Enterprise is based in Clayton; and Central Bancompany has 155 branches in Missouri, Kansas, Oklahoma and Colorado. Busey has 20 St. Louis-area and three Kansas City-area banking centers. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### What are alternatives to Busey for small business banking?

For a quick SBA 7(a) loan below $350,000, Live Oak Express runs on an AI origination platform; for card acceptance and point-of-sale software, Square sells payments and banking to sellers. Busey offers SBA lending as a vertical, treasury management and payment processing through FirsTech. ([American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### Who competes with Busey's wealth management business?

Commerce Trust, with $94.5 billion of trust assets under administration, and Central Bancompany, with $17.3 billion of wealth assets under advice (June 30, 2026), in Busey's Missouri markets; and brokers such as Schwab, which Busey's 10-K covers under broker/dealers. Busey reported $16.51 billion of assets under care and record wealth fees. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html))

### Who competes with FirsTech, Busey's payments company?

Busey's 10-K says FirsTech competes with payment technology solution companies and financial technology companies. FirsTech earned $21.6 million of revenue in 2025 and payment technology fees fell 9.0% to $20.0 million on lower online bill-payment income; Block's 10-K counts banks that provide payment processing among Square's rivals. ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

### Is Old National a competitor of Busey Bank?

Yes, in Illinois and Indiana. Old National, headquartered in Evansville with its commercial and consumer banking operations headquartered in Chicago, operated 346 banking centers at the end of 2025 in states including Illinois and Indiana, where Busey has its central Illinois and suburban Chicago branches and an Indianapolis banking center. Old National reported about $74 billion of assets in July 2026. ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [Old National Bancorp](https://ir.oldnational.com), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### Is Commerce Bank a competitor of Busey?

Yes, in Missouri and Illinois. Commerce has 140 branch locations primarily in Missouri, Illinois, Kansas, Oklahoma and Colorado, with offices in Kansas City and Clayton, and $94.5 billion of trust assets under administration. Busey has 20 banking centers in the St. Louis MSA, three in the Kansas City MSA and $16.51 billion of wealth assets under care. On this site's AI index Busey scores 44.9 and Commerce 34. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html))

### Busey vs JPMorgan Chase: how do they compare in Illinois?

Chase is a national bank with 5,083 branches and 74.6 million active digital customers (2025); Busey is an Illinois-chartered bank with 79 banking centers that ranked fourth by deposits among Illinois-headquartered institutions and first in Champaign and Macon counties (June 2025). Busey's 10-K says customers weigh convenience, service quality and technology, personal contacts and price. ([JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

## Peers on this site

- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) · [vs peers](https://www.bankingnewsai.com/banks/first-merchants/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [Enterprise Financial Services Corp AI strategy](https://www.bankingnewsai.com/banks/enterprise-bank) · [vs peers](https://www.bankingnewsai.com/banks/enterprise-bank/vs-peers)
- [First Financial Bancorp AI strategy](https://www.bankingnewsai.com/banks/first-financial-ohio) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-ohio/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)

## Sources

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2. Wintrust Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Wintrust Financial Corporation (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm
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4. Cincinnati's First Financial strikes third deal in 13 months — American Banker, Jul 22, 2026. https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months
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25. Building Relationships When Checking No Longer Confers Primacy — The Financial Brand, Feb 24, 2026. https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883
26. Busey Bank: 30,000 New Customers, Zero Hiring — Glia (case study), Sep 24, 2026. https://www.glia.com/case-study/busey-bank
27. First Busey Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — First Busey Corporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm
28. AI driving funding growth via credit adjudication — Equipment Finance News (first published by sister title FinAi News), Aug 6, 2026. https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/
29. Financing the AI innovation roadmap — Wintrust Financial Corporation, Sep 8, 2026. https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html
30. Old National (ONB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html
31. Old National Bank increased loan review efficiency and capacity with Abrigo — Abrigo, Jul 7, 2026. https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/
32. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Old National Bancorp (SEC filings), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm
33. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Old National Bancorp (SEC filings), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm
34. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure
35. First Financial Bancorp. Form 8-K (Item 5.02: appointment of President, Chief Banking Officer and Chief Operating Officer) — First Financial Bancorp (SEC filings), Sep 15, 2026. https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm
36. After year of rapid growth, Ohio bank revamps its top ranks — American Banker, Sep 22, 2026. https://www.americanbanker.com/news/after-year-of-rapid-growth-ohio-bank-revamps-its-top-ranks
37. 2025 Annual Report — Commerce Bancshares, Feb 24, 2026. https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf
38. Commerce Bancshares, Inc. Investor Update, 4th Quarter 2025 — Commerce Bancshares, Feb 9, 2026. https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf
39. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
40. How Personetics and Central Bank Drive Customer-Centered Banking — Personetics, Apr 16, 2026. https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking
41. Central Bancompany, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Central Bancompany (SEC filings), Aug 14, 2026. https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm
42. Enterprise Financial Services C (EFSCP) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 23, 2026. https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html
43. Why AI Is a CEO's Business Imperative — Enterprise Bank & Trust (Enterprise University), Mar 3, 2026. https://enterprisebank.com/insights/eu-ai-ceo-business-imperative
44. Microsoft Copilot: Transforming Everyday Work — Enterprise Bank & Trust (Enterprise University), Aug 3, 2026. https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work
45. Automation, Efficiency & Resilience: How Privately Held Businesses Can Seize Opportunity in 2026 — Enterprise Bank & Trust, Dec 17, 2025. https://enterprisebank.com/insights/automation-efficiency-resilience
46. Enterprise Bank & Trust Enhances Property Management Client Service Through AppFolio Stack App Partnership — Enterprise Bank & Trust, Aug 6, 2026. https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership
47. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
48. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
49. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
50. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
51. Aura: Helping power BMO's goal of 50% faster underwriting by 2028 — BMO AI Hub, Aug 6, 2026. https://ai.bmo.com/our-stories/aura-helping-power-bmos-goal-of-50-faster-underwriting-by-2028
52. BMO Earns Top Recognition for Responsible AI Leadership in Global Banking — BMO (CNW via FT Markets), Oct 6, 2026. https://markets.ft.com/data/announce/full?dockey=600-202610060700CANADANWCANADAPR_C6630-1
53. How Chime Is Using AI to Rewire Financial Services — Chime, Jan 9, 2026. https://www.chime.com/newsroom/news/how-chime-is-using-ai-to-rewire-financial-services/
54. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
55. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
56. 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/
57. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead — CNBC, Aug 20, 2026. https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html
58. 4 Banks and Credit Unions Recognized for AI Innovation — Glia (Business Wire via Yahoo Finance), Oct 8, 2026. https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html
59. Commerce Trust Goes Live on SS&C Advent’s Genesis — Yahoo Finance (SS&C via Business Wire), Jun 4, 2026. https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html
60. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
61. Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key — Traders Magazine, Oct 8, 2026. https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/
62. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
63. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
64. Wintrust Financial Corporation (WTFC) Q2 FY2026 earnings call transcript — Yahoo Finance (Quartr), Jul 21, 2026. https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html
65. Old National Bancorp — Investor Relations (approximately $74 billion of assets) — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com

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