# Columbia Banking System vs peers: AI and technology compared

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

*Part of the [Columbia Banking System AI strategy profile](https://www.bankingnewsai.com/banks/columbia). Peer group: WaFd, Inc., Banner Corporation, Zions Bancorporation, Western Alliance Bancorporation, East West Bancorp, Banc of California, First Interstate BancSystem, Glacier Bancorp.*

## How does Columbia Banking System compare with its peers on AI and technology?

On this site's AI disclosure index Columbia Banking System scores 63.3 (#45 of 120 US banks), second in a nine-bank group of Western regionals behind Western Alliance (71.8) and ahead of Zions (59.6), WaFd (52.3), First Interstate (51.3) and East West (49.2). What sets it apart is customer-service AI it has counted. On April 23, 2026 the CEO said its support assistant had moved the mix from two human calls per AI chat to three AI chats per human call, and on September 15, 2026 its chief administrative officer said client messages get seven AI-agent replies for every human one while call-center staff stayed flat through a 30% rise in customers. No Western peer has put a comparable usage figure on the record: WaFd promised an AI call-center agent for the quarter to June 2026 and did not mention it on its next call, and Banner describes a 24/7 virtual assistant without usage data. Where Columbia trails is measured productivity and agentic pilots. Western Alliance put 150,000+ employee hours saved by AI on the record in May 2026, Zions said 56% of its workforce used generative AI in September 2025, and First Interstate runs a Fiserv agentOS commercial loan onboarding pilot; Columbia says AI in commercial lending comes 'over the next couple of quarters'. Against the national banks that its 10-K says hold top market share in its states the gap is scale: Bank of America's Erica helps more than 24.6 million clients and U.S. Bank's Smart Assistant is used 2.5 million times a month. Columbia's CEO frames the goal plainly: its platforms will be contemporary, not cutting edge. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))

## Where does Columbia lead its peers on AI?

- **The only usage ratio for a customer AI assistant in the group.** Columbia's support assistant moved the mix from two human calls per AI chat to three AI chats per human call (April 23, 2026), and client messages now draw seven AI-agent replies per human reply (September 15, 2026). WaFd's AI call-center agent, promised in April 2026 for the following quarter, went unmentioned on its July call. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729))
- **More named AI leaders than any Western peer.** Columbia's profile names 13 people tied to its AI and technology work, from CEO Clint Stein and chief administrative officer Drew Anderson to CIO Tom Rice and the board Technology Committee chair, the most in its nine-bank group, where the median is 8.5. Western Alliance names 12 and Zions 11. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [PR Newswire](https://prnewswire.com/news-releases/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand-302542727.html))
- **AI used inside a merger conversion, on the record.** Columbia says AI automated the review and validation of thousands of data fields in the January 2026 Pacific Premier systems conversion. Glacier completed its own Guaranty core conversion in the first quarter of 2026 and its April 2026 call contained no AI remarks; Banner plans its Pacific Financial integration for November 2026. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/24/glacier-bancorp-gbci-q1-2026-earnings-transcript), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm))
- **A written AI governance stack, with a named control platform.** Columbia's 2025 Corporate Citizenship Report describes a cross-functional Responsible AI Working Group, an internal AI Policy and the ServiceNow AI Control Tower aligned to the NIST AI Risk Management Framework. Zions' 2025 10-K describes a Data and AI Governance Committee, and Banner's 2026 proxy a board-approved generative-AI policy; neither names a control platform. ([Columbia Banking System](https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm))

## Where does Columbia trail its peers on AI?

- **No hours-saved or dollar figure while Western Alliance publishes both.** Western Alliance's May 2026 investor day put AI at 150,000+ employee hours saved, $10 million+ of productivity value and a projected 25% cut in lending cycle time. Columbia reports ratios (three AI chats per human call) and a flat call-center headcount, but no hours, dollars or AI budget. ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- **No staff adoption share, unlike Zions and Banc of California.** Zions said 56% of its workforce was using generative AI in September 2025, and Banc of California said more than 80% of its developers use AI in daily workflows (April 2026). Columbia says its developers test changes faster and write more secure software, but gives no adoption percentage. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))
- **Behind First Interstate and WaFd on agentic AI in lending.** First Interstate is one of two launch pilots of Fiserv's agentOS, with a commercial loan onboarding agent (May 2026), and nCino says WaFd is piloting its Analyst Digital Partner for credit risk (September 2026). Columbia's chief administrative officer said AI in commercial lending is expected over the next couple of quarters. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- **A repeated disclosure rather than a growing one.** The same four AI bullets appear in every Columbia investor deck from the third quarter of 2025 to the second quarter of 2026, and its independent-source score is 10, against Western Alliance's 13 and Zions' 11. Western Alliance added 15 AI use cases with a top five costed into 2027 plans in September 2026. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000165/colb2026q2earningspresen.htm), [Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090))

## Where does Columbia 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [Columbia Banking System (this page)](https://www.bankingnewsai.com/banks/columbia) | [63.3](https://www.bankingnewsai.com/banks/ai-index) | #45 of 120 | [10](https://www.bankingnewsai.com/banks/columbia#sources) | [14](https://www.bankingnewsai.com/banks/columbia#sources) | [15 of 16](https://www.bankingnewsai.com/banks/columbia#where) | [16](https://www.bankingnewsai.com/banks/columbia#timeline) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | [52.3](https://www.bankingnewsai.com/banks/ai-index) | #55 of 120 | [8](https://www.bankingnewsai.com/banks/wafd#sources) | [9](https://www.bankingnewsai.com/banks/wafd#sources) | [9 of 13](https://www.bankingnewsai.com/banks/wafd#where) | [18](https://www.bankingnewsai.com/banks/wafd#timeline) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | [51.3](https://www.bankingnewsai.com/banks/ai-index) | #56 of 120 | [7](https://www.bankingnewsai.com/banks/first-interstate#sources) | [17](https://www.bankingnewsai.com/banks/first-interstate#sources) | [5 of 11](https://www.bankingnewsai.com/banks/first-interstate#where) | [21](https://www.bankingnewsai.com/banks/first-interstate#timeline) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | [49.2](https://www.bankingnewsai.com/banks/ai-index) | #59 of 120 | [7](https://www.bankingnewsai.com/banks/east-west#sources) | [15](https://www.bankingnewsai.com/banks/east-west#sources) | [8 of 10](https://www.bankingnewsai.com/banks/east-west#where) | [18](https://www.bankingnewsai.com/banks/east-west#timeline) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | [36.7](https://www.bankingnewsai.com/banks/ai-index) | #80 of 120 | [3](https://www.bankingnewsai.com/banks/banner#sources) | [21](https://www.bankingnewsai.com/banks/banner#sources) | [9 of 12](https://www.bankingnewsai.com/banks/banner#where) | [15](https://www.bankingnewsai.com/banks/banner#timeline) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | [34.7](https://www.bankingnewsai.com/banks/ai-index) | #82 of 120 | [1](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [21](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [10 of 14](https://www.bankingnewsai.com/banks/banc-of-california#where) | [15](https://www.bankingnewsai.com/banks/banc-of-california#timeline) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |

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

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

| Component (weight) | Columbia | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 10 | 7 | [Western Alliance (13)](https://www.bankingnewsai.com/banks/western-alliance) | 3rd of 9 |
| Use cases in production (10%) | 15 | 9 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 2nd of 9 |
| Own primary disclosures (10%) | 14 | 16 | [Banner Bank (21)](https://www.bankingnewsai.com/banks/banner) | 6th of 9 |
| Dated moves, last 12 months (10%) | 16 | 16.5 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 5th of 9 |
| Disclosed numbers (5%) | 14 | 14 | [Zions (16)](https://www.bankingnewsai.com/banks/zions) | 4th of 9 |
| Named AI leaders (5%) | 13 | 8.5 | [Columbia (13)](https://www.bankingnewsai.com/banks/columbia) | 1st of 9 |
| Use cases described (5%) | 16 | 12.5 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 2nd of 9 |

## What has each bank in Columbia'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 |
| --- | --- | --- | --- | --- | --- |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) | [13, incl. Clint Stein (President and CEO, Columbia Banking System)](https://www.bankingnewsai.com/banks/columbia#people) ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat)) | Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/columbia#roles) |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) | [8, incl. Brent Beardall (President and CEO)](https://www.bankingnewsai.com/banks/wafd#people) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm)) | Software development pace with AI assistance: > 2x (Apr 17, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) | Not disclosed | Not surveyed |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | [6, incl. Mark J. Grescovich (President and CEO)](https://www.bankingnewsai.com/banks/banner#people) ([Banner Corporation](https://investor.bannerbank.com/news/news-details/2026/Banner-Corporation-to-Acquire-Pacific-Financial-Corporation), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html)) | Banner Virtual Assistant availability: 24 hours a day, 7 days a week; staff 7 a.m. to 7 p.m. PT weekdays by phone (Sep 24, 2026) ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI security](https://www.bankingnewsai.com/banks/banner#roles) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | [9, incl. Dominic Ng (Chairman and CEO)](https://www.bankingnewsai.com/banks/east-west#people) ([East West Bancorp](https://eastwestbank.com/assets/docs/news-room/EWBC_4Q2025-Earnings-Release.pdf), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | 2026 expense growth guidance (includes AI, cyber and monitoring investment): 7% to 9% (Apr 21, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html)) | Not disclosed | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/east-west#roles) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) | [5, incl. Jared Wolff (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/banc-of-california#people) ([American Banker](https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf)) | Developers using AI in daily workflows: More than 80% (Apr 23, 2026) ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/banc-of-california#roles) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) | [9, incl. Jim Reuter (President and CEO)](https://www.bankingnewsai.com/banks/first-interstate#people) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [American Banker](https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth)) | Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | Not disclosed | Not surveyed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Columbia 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 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | Q4 FY2026 call: EverBank merger, no AI update ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 15, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Barclays conference: AI answers most client messages ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Sep 14, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Barclays conference: CFO describes everyday AI use ([Investing.com](https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251)) |
| Sep 10, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | nCino: WaFd piloting Analyst Digital Partner for credit risk ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Sep 1, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Pacific Financial acquisition completed ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm)) |
| Aug 24, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Third among top-performing banks over $50 billion ([American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| Aug 21, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| Aug 7, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 10-Q lists AI among competing technologies ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 4, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Q2 2026 10-Q: IT and data services expense up 26% ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm)) |
| Aug 4, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Second-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm)) |
| Aug 3, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Q2 2026 10-Q: no material change to risk factors ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm)) |
| Jul 29, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 call: APIs added, no AI remarks ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/)) |

## How does Columbia's AI and digital banking compare with U.S. Bank, Wells Fargo, Bank of America and Chase?

Columbia's 10-K says major national banks generally hold top market share in its nine states. What each has disclosed about its customer assistant, digital reach and employee AI, with dates. A blank means nothing is disclosed, not that nothing exists.

| Bank | Customer AI assistant | Digital reach and branches | Employee AI |
| --- | --- | --- | --- |
| Columbia | Support assistant: three AI chats per human call (April 2026); seven AI-agent replies per human reply to client messages (September 2026); Glia chat and co-browse behind its Go-To digital service | Digital user count not disclosed; Oregon deposit share 16.39% (2nd) and Washington 7.79% (5th), June 30, 2025 | 83 platforms and solutions using some form of AI (July 2025); AI code generation and testing; Webex AI Assistant for about 450 contact-center agents ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [Glia](https://www.glia.com/case-study/columbia-bank), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript), [Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/)) |
| U.S. Bank | Smart Assistant on the website and app: 2.5 million uses a month | 2,075 branches across 26 states, primarily in the Midwest and West (December 31, 2025) | GenAI code-review assistant saving 75% of review time; persona-based AI training for 70,000 employees ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf), [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us)) |
| Bank of America | Erica, launched 2018: helps more than 24.6 million clients; 3.6 billion interactions since launch | 60 million clients use its digital capabilities; 3,500 financial centers | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Bank of America (SEC filings)](https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm)) |
| Wells Fargo | Fargo: more than 1 billion interactions in under three years (March 2026) | More than 33 million mobile active users (February 2026) | Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/)) |
| JPMorgan Chase | No consumer assistant launched; a consumer travel agent targeted for pilot before the end of 2026 | 74.6 million active digital and 61.7 million active mobile customers; 5,083 branches (2025) | LLM Suite: 150,000 weekly users (February 2026) ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |

## How does Columbia's customer-service AI compare with other Western regional banks?

The customer-facing or agent-facing AI each bank has described, and any usage figure it attached.

| Bank | What it has | Usage disclosed | Date |
| --- | --- | --- | --- |
| Columbia | Cisco Webex AI Assistant for agents (dropped-call summaries, topic analytics); an AI support assistant; about three AI applications serving agents and customers | Two human calls per AI chat became three AI chats per human call; seven AI-agent replies per human reply; 30% more customers with flat call-center staff | April 2025; April and September 2026 ([Webex Blog (Cisco)](https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| WaFd | Voicebot for balance inquiries; an AI call-center agent announced for the April-June 2026 quarter | Voicebot: 95% faster balance inquiries, 45% fewer calls to live representatives among voice-enrolled customers; no figure yet for the new agent | August 2024; April 2026 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) |
| Banner | Banner Virtual Assistant | Available 24 hours a day, 7 days a week; no usage figure | September 2026 ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) |
| Zions | AI in client authentication and product recommendations, among uses the president listed | Not disclosed | January 2026 ([Yahoo Finance](https://finance.yahoo.com/news/zions-zion-q4-2025-earnings-000408635.html)) |
| Banc of California | Customer-service use cases alongside BSA review support, with nearly universal employee AI access | Not disclosed | April 2026 ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |

## How does Columbia's use of AI in lending and fraud compare with its Western peers?

Disclosed credit, onboarding and fraud uses of AI, with the stage each bank reports.

| Bank | Use | Stage | Date |
| --- | --- | --- | --- |
| Columbia | In-house AI models layered on vendor fraud tools, catching fraud those tools missed; AI to speed commercial-lending analytics and reporting, 'not to decide the credit yes or no' | Fraud in production; lending expected over the next couple of quarters | September 2026 ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Western Alliance | Triangle of Fraud Protection for class-action claims; AI-assisted lending redesign | 800 million+ fraudulent claims prevented in 2024; lending cycle time −25% (internal projection) | May 2025; May 2026 ([American Banker](https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| First Interstate | Fiserv agentOS commercial loan onboarding agent | Pilot, one of two launch institutions | May 2026 ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| WaFd | nCino Analyst Digital Partner for loan-document review and credit risk | Pilot | May and September 2026 ([nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Zions | Zest AI for lending decisions; AI in credit review and fraud detection | Selected (vendor-disclosed); in use | January, April and August 2026 ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/), [Yahoo Finance](https://finance.yahoo.com/news/zions-zion-q4-2025-earnings-000408635.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/zions-zion-q1-2026-earnings-135526314.html)) |
| Banner | New loan and deposit origination system automating back-office steps | In production; previous commercial system written off ($924,000) | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-banner-misses-q2-2026-estimates-as-shares-slip-93CH-4809573)) |

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

Columbia Banking System is compared here with WaFd, Inc., Banner Corporation, Zions Bancorporation, Western Alliance Bancorporation, East West Bancorp, Banc of California, First Interstate BancSystem and Glacier Bancorp: chosen by the editors for this page (see the note below the table). Columbia Banking System is classed as a regional or retail-commercial bank in the West.

The computed group mixed in banks from New Jersey, the Southeast, the Midwest and Puerto Rico; this group holds the regional banks headquartered in the West that overlap Columbia's nine-state footprint, led by the two Pacific Northwest banks it meets most often (WaFd and Banner), and three of them (Zions, Western Alliance and East West) also sit in Columbia's own 2026 proxy compensation peer group.

## Common questions

### Is Columbia Bank better than Western Alliance at AI?

The record cannot settle capability, but Western Alliance has put more on it: 71.8 on this site's disclosure index against Columbia's 63.3. Western Alliance publishes productivity numbers (150,000+ hours saved, $10 million+ of value, May 2026); Columbia publishes customer-service ratios, such as three AI chats per human call and seven AI-agent replies per human reply. ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

### Does Columbia Bank have an AI assistant like Erica?

It runs an AI support assistant that by April 2026 handled three chats for every human call, and AI agents that by September 2026 sent seven replies to client messages for each human reply. It has not named or sized it like Bank of America's Erica, which helps more than 24.6 million clients, or U.S. Bank's Smart Assistant, used 2.5 million times a month. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf))

### How does Columbia compare with WaFd and Banner on AI?

Columbia scores 63.3 on this site's disclosure index, WaFd 52.3 and Banner 36.7. WaFd says AI more than doubled its software development pace and is piloting nCino's credit agent; Banner describes a 24/7 virtual assistant and a board-approved generative-AI policy. Columbia is the only one of the three to report usage ratios for a customer AI assistant. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))

### How does Columbia's AI compare with Zions?

Columbia scores 63.3 and Zions 59.6. Zions reported 56% of its workforce using generative AI in September 2025 and built a Gemini-based enterprise AI platform; its 10-K says no AI acts autonomously in critical decisions or client-facing activities. Columbia reports more customer-facing AI use, including AI agents answering most client messages (September 2026). ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

### Who leads AI at Columbia Banking System compared with its peers?

Columbia names no chief AI officer; chief administrative officer Drew Anderson, a former chief data officer, presented its AI work in September 2026, and Tom Rice is CIO. Western Alliance's CIO Sonny Sonnenstein presented its AI numbers at the May 2026 investor day; U.S. Bancorp has a chief AI officer. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [PR Newswire](https://prnewswire.com/news-releases/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand-302542727.html), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us))

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

Columbia discloses no technology or AI budget, and its 10-K says many competitors have substantially greater resources to invest in technology. Western Alliance put its 2024 to 2026 technology investment at about $250 million, or 10% of revenue. Banner's information and data services expense rose 26% year on year in the second quarter of 2026. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm))

### What does Columbia lead on if not AI disclosure scale?

Scale in its home markets and integration discipline. Its 10-K ranks it 2nd in Oregon with a 16.39% deposit share and 5th in Washington with 7.79% (June 30, 2025). Its Pacific Premier integration beat a $127 million cost-savings target by $5 million at June 30, 2026, and it added 30% more customers without adding call-center staff. ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-tops-q2-eps-forecast-shares-slip-93CH-4810216), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

## Peers on this site

- [WaFd, Inc. AI strategy](https://www.bankingnewsai.com/banks/wafd) · [vs peers](https://www.bankingnewsai.com/banks/wafd/vs-peers)
- [Banner Corporation AI strategy](https://www.bankingnewsai.com/banks/banner) · [vs peers](https://www.bankingnewsai.com/banks/banner/vs-peers)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [East West Bancorp AI strategy](https://www.bankingnewsai.com/banks/east-west) · [vs peers](https://www.bankingnewsai.com/banks/east-west/vs-peers)
- [Banc of California AI strategy](https://www.bankingnewsai.com/banks/banc-of-california) · [vs peers](https://www.bankingnewsai.com/banks/banc-of-california/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)

## Sources

1. Columbia (COLB) Q1 2026 Earnings Call Transcript — Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html
2. Columbia Banking System at Barclays conference: discipline drives gains — Investing.com, Sep 15, 2026. https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099
3. WaFd (WAFD) Q2 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 17, 2026. https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html
4. Earnings call transcript: WaFd posts Q3 2026 revenue beat, EPS misses slightly — Investing.com (earnings call transcript), Jul 17, 2026. https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729
5. Banner Virtual Assistant — Banner Bank, Sep 24, 2026. https://www.bannerbank.com/contact-us/banner-virtual-assistant
6. Western Alliance Bancorporation Investor Day 2026 presentation (Form 8-K, Exhibit 99.1) — Western Alliance Bancorporation (SEC filings), May 12, 2026. https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm
7. The Most Powerful Women to Watch, No. 3, Jennifer Smith, Zions Bancorporation — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation
8. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking — Fiserv (GlobeNewswire), May 14, 2026. https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html
9. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
10. Columbia Banking System Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Columbia Banking System (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000088/colb-20251231.htm
11. 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
12. U.S. Bancorp Annual Report 2025 — U.S. Bank, Feb 23, 2026. https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf
13. Columbia Banking System 2026 Proxy Statement (Form DEF 14A): executive officers — Columbia Banking System (SEC filings), Mar 31, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000126/colb-20260331.htm
14. Columbia Banking System Completes Acquisition of Pacific Premier Bancorp and Unifies Columbia Brand — PR Newswire, Sep 2, 2025. https://prnewswire.com/news-releases/columbia-banking-system-completes-acquisition-of-pacific-premier-bancorp-and-unifies-columbia-brand-302542727.html
15. Columbia Banking System, Inc. Reports First Quarter 2026 Results — PR Newswire via FT Markets, Apr 23, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1
16. Glacier Bancorp, Inc. Announces Results for the Quarter Ended March 31, 2026 (Form 8-K, Exhibit 99.1) — Glacier Bancorp (SEC filings), Apr 23, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm
17. Glacier Bancorp (GBCI) Q1 2026 Earnings Transcript — earnings call transcript (The Motley Fool), Apr 24, 2026. https://fool.com/earnings/call-transcripts/2026/04/24/glacier-bancorp-gbci-q1-2026-earnings-transcript
18. Banner Corporation Completes Acquisition of Pacific Financial Corporation (Form 8-K, Exhibit 99.1) — Banner Corporation (SEC filings), Sep 1, 2026. https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm
19. Corporate Citizenship Report 25 (PDF retrieved 2026-10-14; file last modified 2026-09-19) — Columbia Banking System, Sep 19, 2026. https://www.columbiabank.com/globalassets/media/documents/esg/columbia-banking-system-corporate-citizenship-report-2025.pdf
20. Zions Bancorporation, N.A. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Zions Bancorporation (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm
21. Banner Corporation 2026 Proxy Statement (Schedule 14A) — Banner Corporation (SEC filings), Apr 6, 2026. https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm
22. Banc of California (BANC) Q1 2026 Transcript — Yahoo Finance (Motley Fool transcript), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html
23. How AI in Commercial Lending Cuts the Two-Day Review — nCino, Sep 10, 2026. https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai
24. Third Quarter 2025 Investor Presentation (Form 8-K, Exhibit 99.2) — Columbia Banking System (SEC filings), Oct 30, 2025. https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm
25. Second Quarter 2026 Investor Presentation (Form 8-K, Exhibit 99.2) — Columbia Banking System (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000165/colb2026q2earningspresen.htm
26. Western Alliance at Barclays Conference: shift to profits, buybacks (transcript) — Investing.com, Sep 16, 2026. https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090
27. How Truist and Western Alliance deploy AI to fight fraud — American Banker, Jun 4, 2025. https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud
28. 2025 Digital Payments in Class Actions and Mass Torts — Western Alliance Bank, Apr 4, 2025. https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf
29. Innovation of the Year 2025: Meet the honorees — American Banker, May 6, 2025. https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees
30. Western Alliance Bank Launches WA VenueX — Always-On Institutional Liquidity Hub and Financial Platform for the On-Chain Economy — Business Wire via FT Markets, Jul 24, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1
31. Columbia CEO: Latest merger will avoid snags of the last one — American Banker, Apr 28, 2025. https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one
32. 2026 Columbia Bank Business Barometer: U.S. Small and Midsize Businesses Poised for Growth, Waiting to Make Significant Moves — PR Newswire via FT Markets, Jun 25, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1
33. Columbia eschews more M&A amid activist investor heat — American Banker, Oct 31, 2025. https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat
34. Columbia Bank (COLB) Q2 2025 earnings call transcript — earnings call transcript (The Motley Fool), Jul 24, 2025. https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript
35. Zions' revamped tech leadership team eyes AI, stablecoins — American Banker, Mar 10, 2026. https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins
36. Zions Bancorporation sees executive shuffle — Banking Dive, Mar 3, 2026. https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/
37. WaFd Bank Investor Presentation, June 2026 — WaFd, Inc., Jul 27, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf
38. WAFD Q1 Deep Dive: Loan Growth and Deposit Initiatives Drive Outperformance — StockStory (Yahoo Finance), Apr 17, 2026. https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html
39. Archway Software and WaFd Bank Modernize the Banking Experience Using AWS — Amazon Web Services, Aug 14, 2024. https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/
40. nSight 2026 Recap: AI in Banking Moves from Strategy to Delivery — nCino, May 29, 2026. https://ncino.com/en-SEA/blog/nsight-2026-recap
41. First Interstate BancSystem Q1 Earnings Call Highlights — MarketBeat (Yahoo Finance), Apr 30, 2026. https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html
42. Banking & Finance Quarterly: Enduring Headwinds (Los Angeles Business Journal interview, reprinted by East West Bank) — East West Bank, Mar 2, 2026. https://eastwestbank.com/en/newsroom/inthenews_030226
43. East West Bank to Offer Commercial Clients Worldpay Solutions — PYMNTS, Oct 8, 2025. https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/
44. The top-performing banks with more than $50B of assets in 2025 — American Banker, Aug 24, 2026. https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025
45. BANR Q1 Deep Dive: Deposit Growth, Margin Resilience, and Strategic Positioning — StockStory (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html
46. Banc of California Makes a Payments Push — Los Angeles Business Journal (reprint posted by Banc of California), Mar 9, 2026. https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf
47. Banc of California 2024 Impact Report — Banc of California, Aug 6, 2025. https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf
48. Banc of California Corporate Fact Sheet (financial highlights as of 30 June 2026) — Banc of California, Jul 28, 2026. https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf
49. Banc of California Renews Commitment to Alliance for Southern California Innovation — Banc of California, Nov 25, 2024. https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation
50. Banking & Finance Quarterly: Building Momentum (Los Angeles Business Journal interview with Jared Wolff) — Los Angeles Business Journal (reprint posted by Banc of California), Mar 2, 2026. https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf
51. The Growing Threat of AI Fraud — Banc of California, Sep 30, 2024. https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/
52. Banc of California 2026 proxy statement (DEF 14A), letter to stockholders — SEC EDGAR, Mar 26, 2026. https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm
53. Columbia Banking System Q1 Earnings Call Highlights — MarketBeat via Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html
54. WaFd Announces Quarterly Earnings Per Share of $0.84 — WaFd, Inc., Jul 16, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf
55. WaFd, Inc. Enters into a $3.9 Billion Reverse Merger Transaction with EverBank Financial Corp (Form 8-K, Exhibit 99.1) — WaFd, Inc. (SEC filings), Sep 7, 2026. https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm
56. Banner Corporation to Acquire Pacific Financial Corporation — Banner Corporation, Apr 30, 2026. https://investor.bannerbank.com/news/news-details/2026/Banner-Corporation-to-Acquire-Pacific-Financial-Corporation
57. Zions Bancorp's quarterly profit rises on interest income; offsets loan loss — Reuters, Oct 20, 2025. https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20
58. Western Alliance Bancorporation Investor Day 2026 presentation — Western Alliance Bancorporation, May 11, 2026. https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf
59. Western Alliance Appoints CEO Kenneth Vecchione as Chairman — Business Wire via Yahoo Finance, Jun 15, 2026. https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html
60. Western Alliance Bancorporation (WAL-PA) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html
61. East West Bancorp Reports Record Net Income for 2025 of $1.3 Billion — East West Bancorp, Jan 22, 2026. https://eastwestbank.com/assets/docs/news-room/EWBC_4Q2025-Earnings-Release.pdf
62. East West (EWBC) Q1 2026 Earnings Transcript — Yahoo Finance, Apr 21, 2026. https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html
63. Banc of California takes big 2Q loss due to restructuring — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring
64. Why one regional bank is shrinking after years of rapid growth — American Banker, Feb 5, 2026. https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth
65. Glacier Bancorp to acquire Texas bank in $476 million deal — American Banker, Jun 25, 2025. https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal
66. Glacier in Montana takes prolific acquisition strategy to Idaho — American Banker, Jan 14, 2025. https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho
67. Glacier Bancorp, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Glacier Bancorp (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm
68. Earnings call transcript: WaFd Q4 2026 profit misses, revenue beats — Investing.com (earnings call transcript), Oct 16, 2026. https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491
69. East West Bank at Barclays conference: growth, fees and capital (transcript) — Investing.com, Sep 14, 2026. https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251
70. Cari Raises Over $30 Million in First Tranche of Initial Funding Round, Backed Entirely by Banks — Cari via Business Wire (Morningstar), Sep 2, 2026. https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks
71. First Interstate BancSystem Form 8-K (Item 5.02: appointment of Chief Operations Officer) — First Interstate BancSystem (SEC filings), Aug 21, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm
72. First Interstate BancSystem Form 8-K (Item 5.02: Chief Operations Officer employment agreement) — First Interstate BancSystem (SEC filings), Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm
73. Banc of California, Inc. Form 10-Q for the quarter ended June 30, 2026 — SEC EDGAR, Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm
74. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Zions Bancorporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm
75. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Zions Bancorporation (SEC filings), May 7, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm
76. Zest AI Delivers Record First Half, Fueled by 77% Growth as Lenders Scale AI — Zest AI, Aug 5, 2026. https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/
77. Glacier Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Glacier Bancorp (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm
78. Banner Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Banner Corporation (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm
79. Columbia Banking System Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Columbia Banking System (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm
80. First Interstate BancSystem, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — First Interstate BancSystem (SEC filings), Aug 3, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm
81. Banc of California (BANC) Q2 2026 Earnings Call Transcript — The Motley Fool (earnings call transcript), Jul 29, 2026. https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/
82. Columbia Bank Stops Deciding Between Efficiency and Experience (undated case study, retrieved 2026-09-24) — Glia, Sep 24, 2026. https://www.glia.com/case-study/columbia-bank
83. How AI Enhanced Customer Experience at Columbia Bank — Webex Blog (Cisco), Apr 11, 2025. https://blog.webex.com/customer-experience/how-ai-enhanced-customer-experience-at-umpqua-bank/
84. U.S. Bancorp Annual Report on Form 10-K for 2025 — U.S. Bancorp via SEC EDGAR, Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm
85. Benchmarking AI adoption: What U.S. Bank's playbook tells us — American Banker, Sep 2, 2026. https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us
86. Second Quarter 2026 Financial Results presentation (Form 8-K, Exhibit 99.2) — Bank of America (SEC filings), Jul 14, 2026. https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm
87. 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
88. From legacy to Frontier: How 100-year brands are leading AI innovation — Microsoft, Nov 20, 2025. https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/
89. JPMorgan's Lake sees longer road to agentic commerce adoption — Banking Dive, Jun 10, 2026. https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426
90. 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
91. 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
92. Zions (ZION) Q4 2025 Earnings Call Transcript — Yahoo Finance, Jan 20, 2026. https://finance.yahoo.com/news/zions-zion-q4-2025-earnings-000408635.html
93. Western Alliance co-created tech blocks class action fraud — American Banker, May 23, 2025. https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud
94. Zions (ZION) Q1 2026 Earnings Call Transcript — Yahoo Finance, Apr 21, 2026. https://finance.yahoo.com/markets/stocks/articles/zions-zion-q1-2026-earnings-135526314.html
95. Earnings call transcript: Banner misses Q2 2026 estimates as shares slip — Investing.com, Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-banner-misses-q2-2026-estimates-as-shares-slip-93CH-4809573
96. Earnings call transcript: Columbia Banking tops Q2 EPS forecast, shares slip — Investing.com, Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-tops-q2-eps-forecast-shares-slip-93CH-4810216

---

Canonical page: https://www.bankingnewsai.com/banks/columbia/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.