# Central Bancompany vs peers: AI and technology compared

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

*Part of the [Central Bancompany AI strategy profile](https://www.bankingnewsai.com/banks/central-bancompany). Peer group: Commerce Bancshares, Enterprise Financial Services Corp, First Busey Corporation, UMB Financial, Arvest Bank, Simmons First National Corporation, BOK Financial Corporation, First National Bank of Omaha (FNBO).*

## How does Central Bancompany compare with its peers on AI and technology?

On this site's AI disclosure index Central Bancompany scores 24.7 (#95 of 120 US banks), eighth in a nine-bank group of Missouri, Kansas, Oklahoma and Colorado rivals, ahead only of Simmons (3.6) and behind FNBO (53.2), UMB (47.9), Busey (44.9) and Commerce (34). The score reflects how little independent coverage it has, not an absence of technology. Central employs about 65 in-house programmers and designers and says its app carries 310 mobile functionalities, at least 98% of the features of large money-center banks per FinTech Insights, with a 4.9 iOS rating across more than 53,000 ratings (March 1, 2026). Commerce reports a 4.7 rating and 82% digital penetration (2025). Central's customer AI is vendor-built: Personetics insights since March 2024, which the vendor says reached a 29% engagement rate and 32.5 million insights by April 2026, and a money-management tool with AI-enabled cash-flow forecasting cited in its first 10-K. Where it trails is named AI work in operations. FNBO says Nasdaq Verafin AI agents cut investigator time per financial-crime case by 50% (June 2026), and Busey's Glia voice assistants handle 61.5% of calls (February 2026). Busey also hired a director of AI, data science and insights in April 2026; Central names no AI leader. Its core is mid-conversion: TCS BaNCS was chosen in March 2024 and $12 million had been capitalized by June 30, 2026, while Commerce moved deposits to Temenos in 2022 and Arvest lent on Thought Machine's core from October 2022. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm), [Temenos](https://temenos.com/news/2024/02/20/top-us-bank-commerce-goes-live-with-loan-origination-on-temenos-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))

## Where does Central Bank lead its peers on AI?

- **A broader, better-rated app than its Kansas City rival discloses.** Central's 2025 10-K reports 310 mobile functionalities, at least 98% of the features offered by large money-center banks according to FinTech Insights, and an average iOS rating of 4.9 across more than 53,000 ratings on March 1, 2026. Commerce, the larger Kansas City bank, reports an app rating of 4.7 (February 3, 2026) and 82% digital penetration. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))
- **An in-house engineering team most peers do not have.** Central says its technology division and innovation teams employ about 65 programmers and designers and that much of its treasury management for governments and associations is built with its own technology. Enterprise's 10-K says it relies on outside providers for mobile banking, general ledger, deposit and loan systems, and Simmons' 10-K says digital-only rivals may out-invest branch banks in technology. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm))
- **Customer-facing AI insights in production since 2024.** Central implemented Personetics' AI-driven insights, advice and smart savings in March 2024; Personetics reports 32.5 million insights delivered, a 29% digital engagement rate and a 22.9% click-through rate (vendor figures, April 2026). Arvest named Google Contact Center AI Insights and Document AI in its 2022 Google Cloud deal, and no deployment of either has been reported since. ([Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud))
- **More disclosed numbers than most of the group.** Central ranks second of nine on disclosed numbers (14 against a group median of 12), behind only FNBO (16): app ratings, mobile functionalities, vendor-reported engagement, $12 million of core modernization capitalized to June 30, 2026 and a $22.6 million software and maintenance bill for 2025, up 11.0%. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm))

## Where does Central Bank trail its peers on AI?

- **No AI in fraud or financial-crime operations on the record, while FNBO reports results.** Central's AI disclosure on fraud is risk language and customer education on AI-enhanced scams and voice cloning. FNBO says Nasdaq Verafin AI agents halved investigator time per financial-crime case (June 2026) and that Pindrop's Fraud Assist cut card-fraud case time by 35% to 40% (vendor-reported, March 2026). ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html))
- **No contact-center AI to set beside Busey's.** Central discloses no virtual assistant or voice AI in its call center. Busey's Glia virtual assistants handled 61.5% of calls and cut wrap-up time by 50% as it absorbed 30,000 new customers without adding headcount (February 2026), and Enterprise runs a 24/7 Virtual Assistant inside online and mobile banking. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant))
- **No named AI leader, unlike Busey and BOK Financial.** Central names no AI, data or analytics chief; technology sits with CIO Russ Goldammer. Busey appointed Adrianne Bernini its first director of AI, data science and insights in April 2026, and BOK Financial's chief data and analytics officer, Pudota, leads enterprise data and AI strategy (March 2026). Central places 8th of 9 on named AI leaders. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))
- **The least independent coverage in the group but one.** Central scores 2 on independent sources against a group median of 6, 8th of 9; its AI record rests on its own 10-K, its learning center and a vendor case study. FNBO leads the group with 10, including American Banker's reporting on its agentic financial-crime work in June 2026. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime))

## Where does Central Bank 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [First National Bank of Omaha (FNBO)](https://www.bankingnewsai.com/banks/fnbo) | [53.2](https://www.bankingnewsai.com/banks/ai-index) | #53 of 120 | [10](https://www.bankingnewsai.com/banks/fnbo#sources) | [11](https://www.bankingnewsai.com/banks/fnbo#sources) | [8 of 12](https://www.bankingnewsai.com/banks/fnbo#where) | [14](https://www.bankingnewsai.com/banks/fnbo#timeline) | Nasdaq Verafin AI agents for financial-crime investigation ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [FNBO](https://www.fnbo.com/insights/fraud-and-security-tips/2025/ai-powered-scams-target-consumers), [FNBO](https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships)) |
| [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/)) |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | [44.9](https://www.bankingnewsai.com/banks/ai-index) | #64 of 120 | [4](https://www.bankingnewsai.com/banks/busey#sources) | [21](https://www.bankingnewsai.com/banks/busey#sources) | [10 of 13](https://www.bankingnewsai.com/banks/busey#where) | [13](https://www.bankingnewsai.com/banks/busey#timeline) | 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)) |
| [BOK Financial Corporation](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 |
| [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)) |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | [34.4](https://www.bankingnewsai.com/banks/ai-index) | #83 of 120 | [1](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [26](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [10 of 13](https://www.bankingnewsai.com/banks/enterprise-bank#where) | [16](https://www.bankingnewsai.com/banks/enterprise-bank#timeline) | 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)) |
| [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)) |
| [Central Bancompany (this page)](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |

## On which parts of the AI record is Central Bank ahead of or behind its peers?

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

| Component (weight) | Central Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 2 | 6 | [FNBO (10)](https://www.bankingnewsai.com/banks/fnbo) | 8th of 9 |
| Use cases in production (10%) | 8 | 8 | [Enterprise Bank & Trust (10)](https://www.bankingnewsai.com/banks/enterprise-bank) | 4th of 9 |
| Own primary disclosures (10%) | 11 | 19.5 | [Enterprise Bank & Trust (26)](https://www.bankingnewsai.com/banks/enterprise-bank) | 8th of 9 |
| Dated moves, last 12 months (10%) | 13 | 15.5 | [BOK Financial (20)](https://www.bankingnewsai.com/banks/bok-financial) | 7th of 9 |
| Disclosed numbers (5%) | 15 | 12 | [FNBO (16)](https://www.bankingnewsai.com/banks/fnbo) | 2nd of 9 |
| Named AI leaders (5%) | 6 | 8 | [UMB (11)](https://www.bankingnewsai.com/banks/umb) | 8th of 9 |
| Use cases described (5%) | 11 | 10.5 | [Enterprise Bank & Trust (13)](https://www.bankingnewsai.com/banks/enterprise-bank) | 4th of 9 |

## What has each bank in Central Bank'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 |
| --- | --- | --- | --- | --- | --- |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([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)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | 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 |
| [Enterprise Financial Services Corp](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)) | [5, incl. James B. Lally (President and CEO)](https://www.bankingnewsai.com/banks/enterprise-bank#people) ([Enterprise Financial Services Corp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/enterprise-financial-services-corp-reports-200500224.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/enterprise-financial-services-q2-earnings-160738590.html)) | Not disclosed | Not disclosed | Not surveyed |
| [First Busey Corporation](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)) | [8, incl. Van A. Dukeman (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/busey#people) ([First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [First Busey Corporation (GlobeNewswire)](https://ir.busey.com/news-releases/news-release-details/busey-dukeman-agree-contract-extension/)) | Not disclosed | 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 |
| [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 |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [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) |
| [First National Bank of Omaha (FNBO)](https://www.bankingnewsai.com/banks/fnbo) | Nasdaq Verafin AI agents for financial-crime investigation ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [FNBO](https://www.fnbo.com/insights/fraud-and-security-tips/2025/ai-powered-scams-target-consumers), [FNBO](https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships)) | [11, incl. Clark Lauritzen (Chairman and President)](https://www.bankingnewsai.com/banks/fnbo#people) ([American Banker](https://americanbanker.com/news/no-pause-button-omaha-bank-inks-second-m-a-deal-since-june), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city)) | Americans who have used AI for personal finances: 46% (a further 50% trust AI for financial advice) (Sep 23, 2025) ([FNBO](https://www.fnbo.com/insights/newsroom/2025/fnbo-releases-2025-financial-wellbeing-study)) | 1 patent listed on the profile, e.g. US 2014/0304170 A1 (Remote credit issuance system, filed by First National of Nebraska, Inc.) ([Google Patents (USPTO)](https://patents.google.com/patent/US20140304170A1/en)) | [2 open AI roles (Sep 24, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/fnbo#roles) |

## What are the latest dated moves on the AI record of Central Bank 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 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 1, 2026 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | Blue Ridge acquisition closes ([FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City)) |
| 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 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 2, 2026 | [FNBO](https://www.bankingnewsai.com/banks/fnbo) | InBank deal valued at up to $204 million ([Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/)) |
| 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 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 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 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| 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 6, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm)) |
| Aug 6, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| Aug 3, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | Microsoft Copilot course for clients ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work)) |
| 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 28, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 investor presentation: AI in the CFO's portfolio ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm)) |
| 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 Central Bank's core modernization compare with its peers'?

Where each bank stands on its core and platform, with the date of the move. A core rebuild is the base on which most banks say AI will be added later.

| Bank | Core or platform move | Since | Scale or status disclosed |
| --- | --- | --- | --- |
| Central Bancompany | TCS BaNCS replacing a core built in house for more than 50 years; real-time, API-based capabilities; FedNow and RTP pre-integrated | Chosen March 2024; still in conversion | $12 million capitalized to June 30, 2026; 2025 software and maintenance expense $22.6 million, up 11.0% ([Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/28/cbc-q1-2026-earnings-transcript)) |
| Commerce Bancshares | Temenos core for deposits, then private-bank loan origination and FedNow on Temenos SaaS | Deposits 2022; loans February 2024; FedNow May 2024 | 2.5 million customers and 6.9 million accounts migrated ([Temenos](https://temenos.com/news/2024/02/20/top-us-bank-commerce-goes-live-with-loan-origination-on-temenos-banking-platform), [Temenos](https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos)) |
| Arvest | Thought Machine's cloud-native Vault core and a Google Cloud migration | First product October 2022; cloud deal July 2022 | 40% of targeted applications in the cloud; completion slated for 2027 ([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), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud)) |
| Enterprise Financial | Loans, deposits, financials and ancillary systems moved to a new core banking platform | October 2024 | Core-conversion expense fell $4.9 million in 2025 once complete ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583525000039/efsc-20241231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm)) |
| UMB Financial | Heartland Financial's banks converted onto UMB platforms and brand | October 2025 | 192 branches and 347 ATMs on one platform ([Business Wire via Yahoo Finance](https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html)) |
| First Busey | Busey Digital Banking and Busey Mobile replace eBank | June 8, 2026 | Daily credit score, goal recommendations, account-switch tool and dispute tracking; no AI feature claimed ([Busey Bank](https://busey.com/assets/files/GMNo9kJG/DigitalBankingInTheKnow_042326.pdf), [Busey Bank](https://busey.com/assets/files/Bw7Fi3VO/DigitalBankingInTheKnow_061126.pdf)) |

## How does Central Bank's customer-facing AI compare with its peers'?

The customer-facing AI or digital service each bank has put on the record, and any usage figure attached to it.

| Bank | Customer AI or digital service | When | Usage or scale disclosed |
| --- | --- | --- | --- |
| Central Bancompany | Personetics AI insights, advice and smart savings; a money-management tool with AI-enabled cash-flow forecasting; 310 mobile functionalities | March 2024; 2025 10-K | 32.5 million insights, 29% engagement, 22.9% click-through (vendor-reported); iOS 4.9 across 53,000+ ratings ([Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)) |
| First Busey | Glia digital virtual assistant and Glia Voice in place of the touch-tone IVR | 2024; results February 2026 | 61.5% of calls handled by virtual assistants; wrap-up time down 50% ([Glia (case study)](https://www.glia.com/case-study/busey-bank), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883)) |
| Enterprise Financial | Virtual Assistant chat in online banking and the app, with hand-off to a client service officer; the bank does not say whether it uses AI | Live September 2026 | Not disclosed ([Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant)) |
| Commerce Bancshares | Digital banking with mobile deposit; complimentary Greenlight family-finance access (not AI) | 2025; October 2026 | 82% digital penetration; 30% mobile deposit use; app rating 4.7 ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Yahoo Finance (Greenlight via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-expands-family-banking-130000852.html)) |
| Simmons | In-house customer-scoring algorithm that sets mobile-deposit eligibility, limits and holds | Award September 2025 | Fraud losses down 96%, to under 1 basis point; limits from $1,500 to up to $150,000 a month ([Jack Henry (PR Newswire)](https://prnewswire.com/news-releases/jack-henry-announces-2025-cobalt-award-winners-302546109.html), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) |

## How does Central Bank's use of AI against fraud compare with its peers'?

What each bank discloses about AI in fraud and financial-crime work, and how its board or management oversees AI.

| Bank | AI in fraud or financial crime | Oversight disclosed | Date |
| --- | --- | --- | --- |
| Central Bancompany | Customer guidance on AI-enhanced scams and voice cloning; 10-K names AI used by bad actors as a fraud and cyber risk | CIO-chaired Technology Management Committee reporting to the Risk Committee; weekly IT Risk Committee | March and August 2026 ([Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/how-ai-scammers-imitate-loved-ones/), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| FNBO | Nasdaq Verafin AI agents for alert triage, enhanced due diligence and sanctions; Pindrop Fraud Assist | Agents hold human-equivalent access; investigators decide on SARs | March and June 2026 ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html)) |
| First Busey | AI-powered tools add layers of fraud and threat detection | Vendor AI oversight within the chief risk officer's remit | February and July 2026 ([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)) |
| BOK Financial | CISO said in July 2025 the bank is implementing AI in its systems to protect them | Each AI initiative reviewed for data quality, bias, compliance and ethics; board receives periodic updates | July 2025; February 2026 ([BOK Financial](https://www.bokfinancial.com/insights/articles/businesses-brace-for-fraudulent-payments), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| UMB Financial | No AI fraud tool named | Board Risk Committee oversees emerging-technology risk including AI; TOPS committee in management | February and March 2026 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm)) |

## Which banks are Central Bank's peers, and why these?

Central Bancompany is compared here with Commerce Bancshares, Enterprise Financial Services Corp, First Busey Corporation, UMB Financial, Arvest Bank, Simmons First National Corporation, BOK Financial Corporation and First National Bank of Omaha (FNBO): chosen by the editors for this page (see the note below the table). Central Bancompany is classed as a regional or retail-commercial bank in the Midwest.

The computed group mixed in banks from Ohio, Indiana, Wisconsin, Florida and California; this group holds the banks that compete with Central in its own markets of Missouri, Kansas, Oklahoma and Colorado, led by the two Kansas City banks (Commerce and UMB), the St. Louis banks (Enterprise and Busey) and the Oklahoma, Arkansas and Nebraska banks that branch into the same states.

## Common questions

### Is Central Bank better than Commerce Bank at AI?

The record cannot settle capability, but Commerce has put more on it: 34 on this site's disclosure index against Central's 24.7. Commerce describes an AI pillar in its data strategy and sells AI-driven receivables automation to commercial clients. Central discloses more about its app (310 functionalities, a 4.9 iOS rating against Commerce's 4.7) and runs Personetics AI insights for consumers. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2024/turning-data-overload-into-business-intelligence), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html))

### Does Central Bank have an AI virtual assistant?

Not one it has disclosed. Its digital AI is Personetics' insights and smart-savings engine, live since March 2024, and a money-management tool with AI-enabled cash-flow forecasting. In its peer group, Busey's Glia virtual assistants handle 61.5% of calls, and Enterprise offers a Virtual Assistant chat in online and mobile banking. ([Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant))

### How does Central Bank's mobile app compare with other banks'?

Central's 2025 10-K reports 310 mobile functionalities, at least 98% of the features offered by large money-center banks according to FinTech Insights, and an average iOS rating of 4.9 from more than 53,000 ratings (March 1, 2026). Commerce reports an app rating of 4.7 and 82% digital penetration; Busey replaced its eBank platform on June 8, 2026. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Busey Bank](https://busey.com/assets/files/Bw7Fi3VO/DigitalBankingInTheKnow_061126.pdf))

### How does Central Bank's technology spending compare with its peers'?

Central's computer software and maintenance expense was $22.6 million in 2025, up 11.0%, partly for the new core, and it had capitalized $12 million of core modernization by June 30, 2026. Commerce's data processing and software expense was $38.2 million in Q2 2026 alone, up 16.2%; BOK Financial's data processing and communications expense was $198.5 million in 2025. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm))

### Who leads AI at Central Bank compared with its peers?

Central has not named an AI leader; CIO Russ Goldammer chairs the Technology Management Committee, and SVPs Jill Hansen and Cheryl Kendrick lead the core rebuild. Busey hired Adrianne Bernini as director of AI, data science and insights in April 2026, and BOK Financial's chief data and analytics officer leads enterprise data and AI strategy. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank (company news)](https://www.centralbank.net/central-bancompany/recent-news/how-two-women-are-powering-the-largest-modernization-in-company-history/), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))

### Which bank in Central's peer group discloses the most about AI?

FNBO, at 53.2 on this site's disclosure index, followed by UMB (47.9) and Busey (44.9). FNBO reports that Nasdaq Verafin AI agents cut investigator time per financial-crime case by 50%; Busey reports Glia voice AI handling 61.5% of calls. Central scores 24.7, eighth of nine, mostly because few independent sources cover its technology. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm))

### How does Central Bank's core banking project compare with Arvest's and Commerce's?

Central chose TCS BaNCS in March 2024 to replace a core built in house for more than 50 years, and management said in April 2026 it was still in the middle of the conversion. Commerce moved 2.5 million customers to Temenos in 2022, and Arvest launched its first product on Thought Machine's cloud-native core in October 2022. ([Fintech Futures](https://fintechfutures.com/core-banking-technology/us-based-central-bank-taps-tcs-for-core-banking-upgrade), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/28/cbc-q1-2026-earnings-transcript), [Temenos](https://temenos.com/news/2024/02/20/top-us-bank-commerce-goes-live-with-loan-origination-on-temenos-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))

## Peers on this site

- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/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 Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) · [vs peers](https://www.bankingnewsai.com/banks/busey/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [First National Bank of Omaha (FNBO) AI strategy](https://www.bankingnewsai.com/banks/fnbo) · [vs peers](https://www.bankingnewsai.com/banks/fnbo/vs-peers)

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85. UMB Successfully Completes Systems and Brand Conversion Following Acquisition of Heartland Financial USA, Inc. — Business Wire via Yahoo Finance, Oct 16, 2025. https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html
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