# City National Bank of Florida competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/city-national-florida/competitors
Last updated: Oct 19, 2026

*Part of the [City National Bank of Florida AI strategy profile](https://www.bankingnewsai.com/banks/city-national-florida). Peer group: BankUnited, Seacoast Banking Corporation of Florida, Ameris Bancorp, SouthState Bank, Hancock Whitney, Valley National Bancorp, Popular, Inc., Regions Financial.*

## Who are City National Bank of Florida's competitors, and what are the alternatives?

City National Bank of Florida files no 10-K. Its owner Bci describes its competition in its 2025 integrated annual report. CNB, it says, operates among many community and regional banks and a significant presence of the largest US commercial banks. It also competes with savings associations, credit unions, consumer-finance and mortgage-banking companies, mutual funds and large retailers. Bci names the largest bank competitors in Florida as Bank of America, Wells Fargo, JPMorgan Chase, Citibank, Truist, Regions, BankUnited and TD Bank. FDIC data for June 30, 2025 show how they stack up in CNB's home market. In Miami-Fort Lauderdale-West Palm Beach, CNB holds 6.20% of deposits from 29 offices, fifth after Bank of America (16.00%), JPMorgan Chase (12.41%), Wells Fargo (11.14%) and Citibank (6.60%). Truist (6.13%) and BankUnited (6.00%) are just behind. Bci calls CNB the third-largest Florida-based bank. In Orlando, where CNB is expanding, it holds 0.95% from 2 offices; Truist leads with 19.18%. CNB's business is commercial: small business, middle-market and corporate clients and commercial real estate loans of $5 million to $50 million, per Bci. That puts it against Regions, Seacoast, Hancock Whitney and SouthState across the state. The non-bank rivals Bci names are mortgage banks, consumer-finance companies and mutual funds. In small-business payments, Square sells banking alongside card acceptance. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/519beff9-e150-4e8c-a6b2-531962f3968e/original/New_Corporate_Presentation_4Q2025.pdf), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does City National Florida say about its competition?

From Bci's Memoria Integrada 2025, section 2.9.1 "Entorno competitivo" (in Spanish): "City National Bank of Florida (CNB) opera en una industria conformada por un gran número de bancos comunitarios y regionales y una presencia significativa de los bancos comerciales más grandes del país. CNB compite también con asociaciones de ahorro y uniones de crédito por depósitos y préstamos. Asimismo, compite con otros intermediarios financieros, como compañías de financiamiento al consumo, compañías de banca hipotecaria y fondos mutuos; y con los principales comercios minoristas. Entre los mayores competidores bancarios en el mercado de Florida están Bank of America, Wells Fargo, JP Morgan Chase, Citibank, Truist Bank, Regions Bank, Bank United y TD Bank." ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf))

Our translation: "City National Bank of Florida (CNB) operates in an industry made up of a large number of community and regional banks and a significant presence of the country's largest commercial banks. CNB also competes with savings associations and credit unions for deposits and loans. It also competes with other financial intermediaries, such as consumer finance companies, mortgage banking companies and mutual funds, and with major retailers. Among the largest bank competitors in the Florida market are Bank of America, Wells Fargo, JP Morgan Chase, Citibank, Truist Bank, Regions Bank, Bank United and TD Bank." ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf))

The same report describes CNB, founded in 1946 and based in Miami, as having 29 branches in four Florida counties, serving small businesses with loans and credit lines and middle-market and large companies with annual revenue above $10 million, and lending on Florida commercial real estate in amounts that typically range from $5 million to $50 million. Bci's 4Q2025 corporate presentation calls CNB the third-largest Florida-based bank. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/519beff9-e150-4e8c-a6b2-531962f3968e/original/New_Corporate_Presentation_4Q2025.pdf))

## Who competes with City National Florida in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Miami-Dade, Broward and Palm Beach | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Named by Bci among CNB's largest Florida competitors; the Miami-area deposit leader with 16.00% from 159 offices at June 30, 2025, against CNB's 6.20% from 29. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Miami-Dade, Broward and Palm Beach | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Named by Bci; second in the Miami area with 12.41% of deposits from 174 offices at June 30, 2025, the most offices of any bank there. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Miami-Dade, Broward and Palm Beach | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Named by Bci; 11.14% of Miami-area deposits from 160 offices at June 30, 2025. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Miami-Dade, Broward and Palm Beach | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Named by Bci; 6.13% of Miami-area deposits from 117 offices, just behind CNB, and the Orlando deposit leader with 19.18% (June 30, 2025). ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Miami-Dade, Broward and Palm Beach | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Bank | Named by Bci and based in Miami Lakes; it held 6.00% of Miami-area deposits from 36 offices at June 30, 2025, against CNB's 6.20% from 29. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Miami-Dade, Broward and Palm Beach | [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | Bank | Named by Bci; 3.54% of Miami-area deposits from 80 offices at June 30, 2025. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Miami-Dade, Broward and Palm Beach | Amerant and Ocean Bank | Bank | Miami-based banks of the community and regional kind Bci describes: Amerant held 2.44% of Miami-area deposits and Ocean Bank 1.82% at June 30, 2025. CNB's former head of digital banking later became Amerant's chief digital officer. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://digital-banking.americanbanker.com/profile/mark-jaundoo)) |
| Commercial, middle-market and real estate banking across Florida | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Named by Bci among CNB's largest Florida competitors; it holds 1.68% of Miami-area deposits from 59 offices and 4.11% in Orlando (June 30, 2025), and ran 270 Florida branches at the end of 2025. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm)) |
| Commercial, middle-market and real estate banking across Florida | [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Bank | A Florida-based commercial lender with 104 branch offices in Florida and Georgia (December 2025), a record $1.3 billion commercial pipeline in Q2 2026 and 1.07% of Miami-area deposits. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-seacoast-banking-tops-q2-2026-eps-forecast-93CH-4820882), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial, middle-market and real estate banking across Florida | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Bank | Bought Orlando's One Florida Bank for about $377.6 million in cash, closing on August 1, 2026, as CNB expands in Orlando (0.95% of deposits there in June 2025) and opened a Tampa Bay headquarters in July 2026. ([Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526329625/d118362d8k.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters)) |
| Commercial, middle-market and real estate banking across Florida | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Bank | Ranks #2 among regional banks in Central Florida with $12 billion of deposits (June 2026 deck), the market CNB is entering from Miami. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters)) |
| Private and international banking in Miami | [Citigroup (Citibank)](https://www.bankingnewsai.com/banks/citigroup) | Bank | Named by Bci among CNB's largest Florida competitors; Citibank held 6.60% of Miami-area deposits from 53 offices at June 30, 2025, ahead of CNB. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Private and international banking in Miami | [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | Bank | A wealth-focused bank holding 1.36% of Miami-area deposits from 8 offices at June 30, 2025. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Private and international banking in Miami | [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | Bank | Held 1.15% of Miami-area deposits from just 2 offices at June 30, 2025, alongside other internationally owned banks such as Bradesco Bank (1.26%) and Banco do Brasil Americas. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Private and international banking in Miami | Mutual funds | Broker or asset manager | Bci's annual report names mutual funds among the financial intermediaries CNB competes with for clients' money. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf)) |
| Residential lending | Mortgage banking companies | Non-bank lender | Bci names mortgage banking companies among CNB's competitors; CNB's residential lending team moved to Polly's pricing engine as it expands beyond South Florida (July 2026). ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy)) |
| Residential lending | Consumer finance companies | Non-bank lender | Named by Bci among the other financial intermediaries CNB competes with. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf)) |
| Small business banking and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors; CNB serves small businesses with loans, credit lines and treasury services such as ePartner. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [City National Bank of Florida](https://www.citynational.com/post/how-growing-businesses-can-modernize-payables)) |
| Small business banking and payments | Credit unions | Credit union | Bci's annual report says CNB competes with credit unions and savings associations for deposits and loans. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf)) |

## How do the AI and digital offerings of City National Florida's competitors compare?

City National Florida 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 |
| --- | --- | --- | --- |
| [City National Bank of Florida (this page)](https://www.bankingnewsai.com/banks/city-national-florida) | Not disclosed | [Index 26.9 (#91); 9 use cases, 9 in production](https://www.bankingnewsai.com/banks/city-national-florida) | Residential lending strategy and Polly pricing engine (Jul 28, 2026) ([HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [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)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist: 12.5 million+ requests from 2023 to March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | AWS AI services including Bedrock and Lex (then-CTO, 2023) ([Bank Automation News](https://bankautomationnews.com/allposts/ai/bankunited-cto-to-speak-at-bank-automation-summit-u-s-2024)) | [Index 63.5 (#44); 15 use cases, 10 in production](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion (Aug 6, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | A vendor voice AI agent aimed at about 50% of incoming calls (September 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html)) | [Index 91.8 (#4); 18 use cases, 13 in production](https://www.bankingnewsai.com/banks/td-bank-us) | Agentic AI extended to mortgage funding and discharge (Oct 13, 2026) ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html)) |
| Amerant and Ocean Bank | Not disclosed | No profile | Not disclosed |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms generating 35% of new business opportunities (January 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Abrigo AI loan review: line sheets cut from 8-10 hours to 4-6 hours ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) | [Index 42.1 (#67); 11 use cases, 10 in production](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study (Oct 8, 2026) ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [Index 37.4 (#78); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance (Sep 9, 2026) ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | 2,500+ premium Copilot users; a GenAI Knowledge Assistant ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Citigroup (Citibank)](https://www.bankingnewsai.com/banks/citigroup) | 80%+ of colleagues using AI tools; 42 million AI interactions (April 2026) ([Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf)) | [Index 94.9 (#2); 20 use cases, 15 in production](https://www.bankingnewsai.com/banks/citigroup) | Payments chief: no AI model to authorise payments (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-7-debopama-sen-citi)) |
| [Northern Trust](https://www.bankingnewsai.com/banks/northern-trust) | 150+ AI use cases in production (October 2025) ([GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/northern-trust-corp-ntrs-q3-190424060.html)) | [Index 79.7 (#23); 17 use cases, 11 in production](https://www.bankingnewsai.com/banks/northern-trust) | CFO David Fox to retire around March 2027 (Sep 29, 2026) ([Northern Trust (SEC filings)](https://www.sec.gov/Archives/edgar/data/73124/000007312426000057/ntrs-20260928.htm)) |
| [HSBC USA](https://www.bankingnewsai.com/banks/hsbc-usa) | Group gen-AI tools for 85% of employees (February 2026) ([Banking Dive](https://bankingdive.com/news/hsbc-generative-ai-leading-investment-elhedery/813353)) | [Index 81.9 (#17); 16 use cases, 7 in production](https://www.bankingnewsai.com/banks/hsbc-usa) | Ant Digital test: AI agents pay with HSBC tokenised deposits (Oct 9, 2026) ([Ant Digital Technologies (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/ant-digital-technologies-hsbc-announce-063000243.html)) |
| Mutual funds | Not disclosed | No profile | Not disclosed |
| Mortgage banking companies | Not disclosed | No profile | Not disclosed |
| Consumer finance companies | Not disclosed | No profile | Not disclosed |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([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)) |
| Credit unions | Not disclosed | No profile | Not disclosed |

## Who should look beyond City National Florida, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI assistant in their banking app | [Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)](https://www.bankingnewsai.com/banks/bank-of-america) | CNB discloses no customer AI assistant. All three are larger in the Miami area: Bank of America holds 16.00% of deposits, Wells Fargo 11.14% and Truist 6.13% (June 30, 2025). Erica has helped more than 24.6 million clients. ([City National Bank of Florida](https://www.citynational.com/team), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| People who need branches outside South Florida or outside the state | [JPMorgan Chase, Bank of America or Regions](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bci describes CNB's 29 branches as spread over four Florida counties, though it opened a Tampa Bay headquarters in July 2026. Chase had 174 Miami-area offices alone in June 2025 and 5,083 branches nationally in 2025. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Central Florida businesses that want a bank with a deep local branch network | [Truist, SouthState or Hancock Whitney](https://www.bankingnewsai.com/banks/southstate) | CNB had 2 offices and 0.95% of Orlando-area deposits in June 2025. Truist leads Orlando with 19.18%, SouthState ranks #2 among regional banks in Central Florida, and Hancock Whitney bought Orlando's One Florida Bank in August 2026. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html)) |
| Sellers who want card acceptance and banking from one provider | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Block's 10-K says Square competes with banks that provide payment processing, checking, savings, loans and payroll. CNB offers small businesses loans, credit lines and treasury tools such as ePartner rather than point-of-sale software. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [City National Bank of Florida](https://www.citynational.com/post/how-growing-businesses-can-modernize-payables)) |

## Where does City National Bank of Florida rank by deposits in the Miami area?

FDIC Summary of Deposits market share for the Miami-Fort Lauderdale-West Palm Beach MSA, June 30, 2025.

| Bank | Offices | Deposits | Share |
| --- | --- | --- | --- |
| Bank of America | 159 | $53.8 billion | 16.00% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| JPMorgan Chase | 174 | $41.7 billion | 12.41% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Wells Fargo | 160 | $37.4 billion | 11.14% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Citibank | 53 | $22.2 billion | 6.60% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| City National Bank of Florida | 29 | $20.9 billion | 6.20% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Truist | 117 | $20.6 billion | 6.13% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| BankUnited | 36 | $20.2 billion | 6.00% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| TD Bank | 80 | $11.9 billion | 3.54% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Amerant | 20 | $8.2 billion | 2.44% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## What AI do the banks Bci names as CNB's competitors have on the record?

One line per bank, from this site's profiles; CNB discloses no AI deployment of its own.

| Rival | AI on the record | Date |
| --- | --- | --- |
| Bank of America | Erica, 24.6 million+ clients helped | 2026 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Wells Fargo | Fargo, 1 billion+ interactions | March 2026 ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| Citigroup | 80%+ of colleagues using AI tools | April 2026 ([Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf)) |
| Truist | Truist Assist, 12.5 million+ requests | March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| Regions | AI-driven banker platforms, 35% of new business opportunities | January 2026 ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools)) |
| BankUnited | AWS Bedrock and Lex (2023) | November 2023 ([Bank Automation News](https://bankautomationnews.com/allposts/ai/bankunited-cto-to-speak-at-bank-automation-summit-u-s-2024)) |

## Common questions

### Who are City National Bank of Florida's biggest competitors?

Its owner Bci names Bank of America, Wells Fargo, JPMorgan Chase, Citibank, Truist, Regions, BankUnited and TD Bank as its largest bank competitors in Florida. In the Miami area at June 30, 2025, Bank of America (16.00%), Chase (12.41%), Wells Fargo (11.14%) and Citibank (6.60%) held more deposits than CNB (6.20%). ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Is BankUnited a competitor of City National Bank of Florida?

Yes, the closest one. Bci names BankUnited among CNB's largest Florida competitors, and the two are nearly level in the Miami area: CNB held 6.20% of deposits from 29 offices and BankUnited 6.00% from 36 at June 30, 2025. On AI, BankUnited scores 63.5 on this site's disclosure index and CNB 26.9. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Who owns City National Bank of Florida?

Chile's Banco de Crédito e Inversiones (Bci), which has controlled it since 2015 through Bci Financial Group. Bci's 4Q2025 presentation calls CNB the third-largest Florida-based bank, and its 2025 annual report describes 29 branches in four Florida counties. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/519beff9-e150-4e8c-a6b2-531962f3968e/original/New_Corporate_Presentation_4Q2025.pdf))

### Who competes with City National Bank of Florida in Orlando and Tampa?

In Orlando, Truist (19.18% of deposits), Bank of America (17.71%), JPMorgan Chase (13.73%) and Wells Fargo (13.24%) lead; CNB held 0.95% from 2 offices at June 30, 2025. CNB opened a Tampa Bay regional headquarters in July 2026, with its regional team tripled in a year and Tampa Bay loan activity up 175%. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters))

### Does City National Bank of Florida compete with fintechs?

Bci's description of CNB's competition names non-bank intermediaries (consumer finance companies, mortgage banking companies, mutual funds and major retailers) rather than fintechs. CNB runs its own digital-only bank, TotalBank, under its chief strategy officer. In small-business payments, Square's parent Block lists banks as Square's competitors. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [City National Bank of Florida](https://www.citynational.com/team/ernest-hartner), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

### Is Citibank a competitor of City National Bank of Florida?

Yes. Bci names Citibank among CNB's largest Florida competitors, and Citibank held 6.60% of Miami-area deposits from 53 offices at June 30, 2025, just ahead of CNB's 6.20%. Citigroup reports that more than 80% of its colleagues use AI tools (April 2026). ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Citigroup](https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf))

### How big is CNB in Tampa Bay?

Small so far. CNB did not appear among the 25 largest deposit holders in the Tampa-St. Petersburg-Clearwater market at June 30, 2025, where Raymond James Bank, Bank of America (11.29%), Truist (10.40%) and Wells Fargo (9.78%) led. It opened a Tampa Bay regional headquarters in July 2026 after tripling its regional team in a year. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tampa-St.%20Petersburg-Clearwater%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters))

### Is City National Bank of Florida the same as City National Bank?

No. City National Bank of Florida is a Miami bank owned by Chile's Bci. City National Bank, based in Los Angeles, is owned by Royal Bank of Canada and has its own page on this site. ([Banco de Crédito e Inversiones (Bci)](https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf), [Royal Bank of Canada (SEC filings)](https://www.sec.gov/Archives/edgar/data/1000275/000119312525305927/d95203dex2.htm))

## Peers on this site

- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [Popular, Inc. AI strategy](https://www.bankingnewsai.com/banks/popular) · [vs peers](https://www.bankingnewsai.com/banks/popular/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)

## Sources

1. Memoria Integrada 2025 — Banco de Crédito e Inversiones (Bci), Apr 14, 2026. https://cdn3.bci.cl/uploads/f79a2458-4df2-47d9-a504-0e178080c968/original/14ABR_final_memoria_Bci_2025_compressed.pdf
2. Summary of Deposits, deposit market share: Miami-Fort Lauderdale-West Palm Beach, FL MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Miami-Fort%20Lauderdale-West%20Palm%20Beach%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
3. Summary of Deposits, deposit market share: Orlando-Kissimmee-Sanford, FL MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Orlando-Kissimmee-Sanford%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
4. Bci corporate presentation 4Q2025 — Banco de Crédito e Inversiones (Bci), Jan 30, 2026. https://cdn3.bci.cl/uploads/519beff9-e150-4e8c-a6b2-531962f3968e/original/New_Corporate_Presentation_4Q2025.pdf
5. City National Bank of Florida Opens New Tampa Bay Headquarters — City National Bank of Florida, Jul 13, 2026. https://www.citynational.com/post/new-tampa-bay-headquarters
6. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
7. Mark Jaundoo — American Banker, May 27, 2026. https://digital-banking.americanbanker.com/profile/mark-jaundoo
8. Regions Financial Corporation Annual Report on Form 10-K for 2025 — Regions Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm
9. Seacoast Banking Corporation of Florida Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Seacoast Banking Corporation of Florida (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm
10. Earnings call transcript: Seacoast Banking tops Q2 2026 EPS forecast — Investing.com (earnings call transcript), Jul 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-seacoast-banking-tops-q2-2026-eps-forecast-93CH-4820882
11. Hancock Whitney Completes One Florida Bank Acquisition — Business Wire via Yahoo Finance, Aug 3, 2026. https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html
12. Hancock Whitney Corporation Form 8-K: completion of the OFB Bancshares mergers — Hancock Whitney (SEC filings), Aug 3, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526329625/d118362d8k.htm
13. SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — SouthState Bank Corporation (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm
14. The New York sessions: City National Bank of Florida's service-first growth strategy — HousingWire, Jul 28, 2026. https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy
15. How Growing Businesses Can Modernize Payables — City National Bank of Florida, May 19, 2026. https://www.citynational.com/post/how-growing-businesses-can-modernize-payables
16. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
17. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
18. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
19. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
20. 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
21. 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
22. 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
23. 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
24. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
25. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
26. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
27. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
28. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
29. BankUnited CTO to speak at Bank Automation Summit U.S. 2024 — Bank Automation News, Nov 21, 2023. https://bankautomationnews.com/allposts/ai/bankunited-cto-to-speak-at-bank-automation-summit-u-s-2024
30. BankUnited, Inc. Quarterly Report on Form 10-Q for June 30, 2026 — SEC EDGAR, Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm
31. TD Bank Targets 100 U.S. Branches as AML Remediation Continues — MarketBeat (Yahoo Finance), Sep 17, 2026. https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html
32. TD expands agentic AI across mortgage operations to make banking faster, simpler and more human — TD Bank Group (Canada Newswire via Yahoo Finance), Oct 13, 2026. https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html
33. Regions Bank Says AI Lifts Productivity 20% as Loan Growth Cools — PYMNTS, Jan 16, 2026. https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools
34. 'Progressive modernization' for cores — ABA Banking Journal, Oct 6, 2026. https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores
35. Seacoast Bank cuts complex loan review documentation time nearly in half with Abrigo Loan Review Assistant — Abrigo, Oct 8, 2026. https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/
36. Nate Gardner, Chief Xperience Officer, MX (Digital Banking speaker profile; session 'From Old Money to New Momentum: How Hancock Whitney Modernized for the Next Generation') — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/nate-gardner
37. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
38. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients — Hancock Whitney, Nov 12, 2025. https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients
39. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
40. Hancock Whitney Corporation Annual Report on Form 10-K for 2025 — Hancock Whitney (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm
41. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
42. Earnings Results Presentation, First Quarter 2026 — Citigroup, Apr 14, 2026. https://www.citigroup.com/rcs/citigpa/storage/public/Earnings/Q12026/2026psqtr1rslt.pdf
43. The Most Powerful Women in Banking Women to Watch, #7, Debopama Sen, Citi — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-7-debopama-sen-citi
44. Northern Trust Corp (NTRS) Q3 2025 Earnings Call Highlights — GuruFocus (Yahoo Finance), Oct 22, 2025. https://finance.yahoo.com/news/northern-trust-corp-ntrs-q3-190424060.html
45. Northern Trust Corporation Form 8-K: Chief Financial Officer David W. Fox, Jr. plans to retire — Northern Trust (SEC filings), Sep 29, 2026. https://www.sec.gov/Archives/edgar/data/73124/000007312426000057/ntrs-20260928.htm
46. HSBC names generative AI a leading investment area — Banking Dive, Feb 27, 2026. https://bankingdive.com/news/hsbc-generative-ai-leading-investment-elhedery/813353
47. Ant Digital Technologies and HSBC announce successful AI agent micropayment technical verification test — Ant Digital Technologies (PR Newswire via Yahoo Finance), Oct 9, 2026. https://finance.yahoo.com/technology/ai/articles/ant-digital-technologies-hsbc-announce-063000243.html
48. 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
49. 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
50. Team directory — City National Bank of Florida, Oct 14, 2026. https://www.citynational.com/team
51. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
52. Ernest Hartner — City National Bank of Florida, Sep 24, 2026. https://www.citynational.com/team/ernest-hartner
53. Summary of Deposits, deposit market share: Tampa-St. Petersburg-Clearwater, FL MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Tampa-St.%20Petersburg-Clearwater%2C%20FL&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
54. Royal Bank of Canada Annual Report 2025, Management's Discussion and Analysis (Form 40-F exhibit) — Royal Bank of Canada (SEC filings), Dec 3, 2025. https://www.sec.gov/Archives/edgar/data/1000275/000119312525305927/d95203dex2.htm

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