Commerce Bancshares vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 97 sources cited

How does Commerce Bancshares compare with its peers on AI and technology?

On this site's AI disclosure index Commerce Bancshares scores 34 (#84 of 120 US banks), eighth in a nine-bank group of Midwest and Plains regionals, ahead only of Central Bancompany (24.7) and behind its Kansas City neighbor UMB (47.9) and BOK Financial (41.8); Old National (66) and Associated (56.8) lead. The gap is coverage and people, not intent. Commerce's 2025 annual report says it set up an AI pillar inside its enterprise data strategy and wrote an AI roadmap, and its own primary disclosures score 21, second in the group. But it scores 3 on independent sources against a group median of 7.5 and names no AI leader, while Associated names a chief data officer and a head of AI for commercial banking and said in September 2026 it had 30 AI use cases in process. Where Commerce stands out is AI it sells to business clients: receivables automation with collections and cash-application modules, used by AlloSource (August 2025) and Interstates (January 2025), inside a payments business with $9.9 billion of commercial card volume in 2025. Its consumer digital numbers are on the record (82% digital penetration and a 4.7 app rating, February 2026), but it has no customer AI assistant; Central Bancompany delivers Personetics AI insights in its app. Commerce's data processing and software expense rose 16.2% to $38.2 million in Q2 2026.[1][2][3][4][5][6][7][8][9]

Data as of Oct 20, 2026 · Commerce profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where does Commerce lead its peers on AI?

01

A written AI roadmap, where some peers say nothing

Commerce scores 21 on its own primary disclosures, second of nine behind Old National (22): its 2025 annual report describes an AI pillar in the enterprise data strategy and an AI roadmap. BOK Financial made no AI remark in any of four earnings calls from Q3 2025 to Q2 2026; UMB discussed AI in one of four.[1][10][11][12][13]

02

AI sold to commercial clients, not just used inside

Commerce offers AI-driven receivables automation to business clients: AlloSource moved collections and cash application to the Esker platform through Commerce (August 2025), and Interstates' staff now review only exceptions (January 2025). UMB's only public AI writing on its profile is its investment team's outlook; Frost's AI-adjacent work is consumer account opening on Blend.[5][6][14][15]

03

A modernized wealth platform for a large trust business

Commerce Trust went live on SS&C Advent's Genesis cloud data platform on June 4, 2026 for a unit administering over $82 billion, and the annual report says it is actively exploring AI-enabled trust and investment tools. BOK Financial's trust team uses Vanilla for initial trust reviews, which the vendor says saves about four hours each.[16][1][17]

Where does Commerce trail its peers on AI?

01

Almost no independent coverage of its AI

Commerce scores 3 on independent sources, 8th of 9 against a group median of 7.5; Associated leads with 11, with trade-press coverage of its chief data officer and its September 2026 Barclays conference remarks on 30 AI use cases. Commerce's AI record rests on its own annual report, client stories and fraud guides.[1][2][4]

02

No named AI or data leader

The filings and releases reviewed name no chief AI, data or analytics officer at Commerce; CIO David Roller fronts technology. Associated names EVP and Chief Data Officer Alexander Bush and a senior director of AI for commercial banking, and BOK Financial names a chief data and analytics officer, Shanthi Pudota. Commerce places 8th of 9 on named AI leaders.[18][19][2][3][20]

03

No agentic or generative AI pilot on the record

Commerce discloses no internal generative-AI or agent deployment. First Interstate co-created a commercial loan onboarding agent with Fiserv on agentOS (May 2026), Old National says AI cleaned up legacy Power BI code in about a week against a month for top programmers (April 2026), and Wintrust uses AI credit adjudication in specialty finance.[1][21][22][23]

04

AI barely appears in its filings

Of six Commerce periodic filings reviewed, only the 2025 10-K uses AI terms, in one cybersecurity risk factor; the 2026 Q1 and Q2 10-Qs and the 2026 proxy have none. UMB's 10-K went from one mention of artificial intelligence (FY2024) to seven (FY2025), and its proxy names AI in the board risk committee's remit.[18][9][24][25][26]

Where does Commerce 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.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Old National Bancorp66#40 of 12092210 of 1418Vendor-delivered automation on an acquisition-built bank[27][28][29][30]
Associated Banc-Corp56.8#49 of 12011194 of 1117Line-of-business AI under a chief data officer / CIO[3][31][2][32]
First Interstate BancSystem51.3#56 of 1207175 of 1121Fiserv agentOS pilot and the 'one clean data source' project[33][34]
Cullen/Frost Bankers49.3#58 of 1207157 of 917Frost mobile app and Blend digital origination[35][15][36][37]
UMB Financial47.9#61 of 1207149 of 1016Integration first: the Heartland systems conversion[38][39][14]
BOK Financial Corporation41.8#69 of 1209184 of 620Not disclosed
Wintrust Financial Corporation38.1#76 of 1208167 of 916Not disclosed
Commerce Bancshares (this page)34#84 of 1203216 of 1015Enterprise data strategy with an AI pillar; receivables automation for commercial clients[1][5][6][40]
Central Bancompany24.7#95 of 1202118 of 1113In-house technology division and core modernisation programme[41][42][43][44][8]

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

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

Component (weight)CommercePeer medianMost in the groupPlace
Independent sources (45%)37.5Associated (11)8th of 9
Use cases in production (10%)67Old National (10)6th of 9
Own primary disclosures (10%)2116.5Old National (22)2nd of 9
Dated moves, last 12 months (10%)1517First Interstate (21)8th of 9
Disclosed numbers (5%)1413.5Frost (16)5th of 9
Named AI leaders (5%)710.5Associated (12)8th of 9
Use cases described (5%)1010.5Old National (14)5th of 9

What has each bank in Commerce'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.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Commerce BancsharesEnterprise data strategy with an AI pillar; receivables automation for commercial clients[1][5][6][40]7, incl. John Kemper (President and CEO)[1][45]Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025)[7]Not disclosedNot surveyed
UMB FinancialIntegration first: the Heartland systems conversion[38][39][14]11, incl. Mariner Kemper (Chairman and CEO)[46][39]Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026)[47][48][12][13]Not disclosedNot surveyed
Central BancompanyIn-house technology division and core modernisation programme[41][42][43][44][8]6, incl. John 'JR' Ross (President and CEO)[49]Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026)[8]Not disclosedNot surveyed
BOK Financial CorporationNot disclosed9, incl. Stacy Kymes (President and CEO)[50][51]Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026)[52][53][10][11]Not disclosed3 open AI roles (Oct 13, 2026); most in AI engineering
Associated Banc-CorpLine-of-business AI under a chief data officer / CIO[3][31][2][32]12, incl. Andy Harmening (President and CEO)[54][55]AI use cases in process: 30 (Sep 15, 2026)[4]1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account)[56]2 open AI roles (Sep 24, 2026); most in AI product & strategy
Cullen/Frost BankersFrost mobile app and Blend digital origination[35][15][36][37]12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)[57]Digital account-opening completion rate: 50% → 80% (Aug 18, 2026)[15]2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees)[58]2 open AI roles (Oct 1, 2026); most in AI security
Wintrust Financial CorporationNot disclosed10, incl. Tim Crane (President and Chief Executive Officer)[59][60][61]Wintrust Specialty Finance originations, first half 2026 (with AI credit adjudication): More than 4,000 deals, roughly $500 million; team of 34 (Jun 30, 2026)[23]Not disclosed1 open AI roles (Oct 5, 2026); most in responsible AI & governance
Old National BancorpVendor-delivered automation on an acquisition-built bank[27][28][29][30]12, incl. Jim Ryan (Chairman and CEO)[62][63]Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026)[22]None found (the profile's patent search)[64][65]1 open AI roles (Oct 1, 2026); most in AI product & strategy
First Interstate BancSystemFiserv agentOS pilot and the 'one clean data source' project[33][34]9, incl. Jim Reuter (President and CEO)[33][66]Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026)[33]Not disclosedNot surveyed

What are the latest dated moves on the AI record of Commerce 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.

DateBankMove
Oct 1, 2026CommerceNolan & Associates acquisition completed[67]
Sep 15, 2026AssociatedBarclays conference: 30 AI use cases in process[4]
Sep 8, 2026WintrustEquipment-finance unit writes on financing the AI boom[68]
Aug 31, 2026CommerceFraud guide says scammers use generative AI[69]
Aug 27, 2026FrostBlend 'Ecosystem Expander' award[70]
Aug 26, 2026WintrustWintrust insurance banking note: automated credit assessments, AI governance watch[71]
Aug 21, 2026First InterstateJeff Lee named chief operations officer[72][73]
Aug 20, 2026FrostBlend reports agentic Autopilot results across lenders[36]
Aug 20, 2026UMB'Playing with the big boys'[74]
Aug 17, 2026BOK Financial18th for customer reputation[75]
Aug 14, 2026Central BankQ2 2026 10-Q: AI-related fraud and cyber risks monitored[76]
Aug 14, 2026Central BankQ2 2026 10-Q: $12 million of core modernisation capitalised[76]
Aug 13, 2026BOK FinancialVanilla case study: AI trust-document review[17]
Aug 5, 2026AssociatedGuide on AI-powered social engineering[77]
Aug 3, 2026First InterstateQ2 2026 10-Q: no material change to risk factors[78]
Jul 30, 2026UMBQ2 2026 10-Q has no AI language[79]
Jul 29, 2026Old NationalQ2 2026 10-Q has no AI language[80][81][62]
Jul 22, 2026Old NationalQ2 2026 call: AI for scalability[82]

How does Commerce's digital and AI record compare with the banks it meets in Kansas City and St. Louis?

Deposit share is computed by this site from the FDIC Summary of Deposits (June 30, 2025, by holding company, Kansas City and St. Louis MSAs). Shares of banks that book national deposits at a local headquarters, such as UMB in Kansas City and Stifel in St. Louis, are inflated by that booking.

BankKansas City / St. Louis deposit shareCustomer AI or digital featureAI disclosed internally or for clients
Commerce10.0% (39 branches) / 5.9% (39 branches)No AI assistant; 82% digital penetration, 4.7 app rating, 30% mobile deposit use (February 2026)AI pillar and roadmap in the data strategy; AI receivables automation for clients[83][84][7][1][5]
UMB35.7% (35 branches; headquarters deposits) / 2.0%None disclosed on this site's profileAI named in the board risk committee's remit; seven AI mentions in the FY2025 10-K[83][84][26][25]
U.S. Bancorp5.5% (38 branches) / 13.0% (73 branches)Smart Assistant: 2.5 million uses a monthOne of the largest US providers of corporate and purchasing card services[83][84][85][86]
Bank of America5.4% (29 branches) / 12.5% (32 branches)Erica: helps more than 24.6 million clientsAbout 200,000 active users of general-purpose AI tools (June 30, 2026)[83][84][87][88]
Central Bancompany2.8% (47 branches) / not in the top 12Personetics AI insights in the app: 32.5 million insights delivered (vendor-reported); 4.9 iOS ratingAbout 65 in-house programmers and designers; core replacement under way[83][8][41]

How does Commerce's AI for business clients compare with peers and fintechs?

What each bank or fintech has disclosed about AI in commercial lending, payables and receivables.

ProviderWhat it offers or usesScale or result disclosedDate
CommerceAI-driven receivables automation (collections and cash application) for clients; CommercePayments purchasing and virtual cards$9.9 billion commercial card volume and $8.1 billion merchant volume in 2025; banking relationships with 500+ hospitals in 48 states2025 to February 2026[5][6][7][89]
RampAccounts Receivable product built on three AI agents; accounts payable agentsMedian 36 hours from invoice sent to paid (September 2026); $1 billion annualized revenue (September 2025)2025 to 2026[90][91][92]
Brex (Capital One)AI-powered corporate cards and spend agents; powers Fifth Third's commercial cardAbout 35,000 clients at the Capital One close; $5.6 billion of Fifth Third card volumeDecember 2025 to April 2026[93][94]
WintrustAI credit adjudication in Wintrust Specialty FinanceMore than 4,000 deals, roughly $500 million, in the first half of 2026June 30, 2026[23]
First InterstateCommercial loan onboarding agent co-created with Fiserv on agentOSOne of six banks co-developing agents with FiservMay 2026[21]

How does Commerce's technology spending compare with its peers'?

Technology lines as each bank reports them; categories differ, so compare direction more than size.

BankLine itemAmount and changePeriod
CommerceData processing and software$38.2 million, up 16.2% from $32.9 millionQ2 2026[9]
BOK FinancialData processing and communications$198.5 million, up $11.3 million (6%) on ongoing projects2025[95]
Central BancompanyComputer software and maintenance; core modernization capitalized$22.6 million, up 11.0%; $12 million capitalized to date2025; June 30, 2026[41][76]
UMBOperating efficiency ratio after the Heartland conversion48.1%, from 51.5% a year earlierQ2 2026[96]

Which banks are Commerce's peers, and why these?

Commerce Bancshares is compared here with UMB Financial, Central Bancompany, BOK Financial Corporation, Associated Banc-Corp, Cullen/Frost Bankers, Wintrust Financial Corporation, Old National Bancorp and First Interstate BancSystem: chosen by the editors for this page (see the note below the table). Commerce Bancshares is classed as a regional or retail-commercial bank in the Midwest.

The computed group mixed in banks from Florida, Virginia and Ohio; this group holds the lower-Midwest and Plains banks Commerce meets in its own markets (UMB and Central Bancompany in Missouri, BOK Financial in Oklahoma and Kansas City) plus regionals from Commerce's 2026 proxy compensation peer group with similar commercial and wealth franchises (Associated, Frost, Wintrust, Old National, First Interstate).

How does Commerce compare with Associated Banc-Corp on AI?

Associated scores 56.8 on this site's index and Commerce 34. Associated names a chief data officer and a senior director of AI for commercial banking, and its CEO cited 30 AI use cases in process and an internal tool built for $45,000 against an $800,000 purchase (September 2026). Commerce's AI is a written roadmap and client receivables automation.[2][3][4][1][5]

Does Commerce Bank have an AI virtual assistant like Erica?

Not one it has disclosed. Commerce reports 82% digital penetration, a 4.7 app rating and 30% mobile deposit use (February 2026), but no customer AI assistant. Bank of America, which holds 5.4% of Kansas City and 12.5% of St. Louis deposits by FDIC data, says Erica helps more than 24.6 million clients.[7][83][84][87]

Is Commerce Bank better than UMB at AI?

The record cannot settle capability. UMB has put more on it: 47.9 on this site's disclosure index against Commerce's 34, with AI in its board risk committee's remit and seven AI mentions in its 2025 10-K. Commerce has the more concrete client-facing product, AI receivables automation, and a written AI roadmap in its annual report.[26][25][5][1]

Who leads AI at Commerce Bancshares?

No chief AI, data or analytics officer is named. Chief information officer David Roller fronts technology announcements, and CFO Charles Kim told a February 2026 conference that the bank is investing in data and AI, APIs and core modernization. Associated and BOK Financial each name a chief data officer.[19][97][2][20]

How does Commerce's technology spending compare with its peers?

Commerce's data processing and software expense was $38.2 million in Q2 2026, up 16.2%, as it absorbed FineMark. BOK Financial reported $198.5 million of data processing and communications expense for 2025, up 6%, and Central Bancompany $22.6 million of software and maintenance, up 11.0%. No peer in the group discloses an AI budget.[9][95][41]

How does Commerce's commercial payments business compare with fintechs like Ramp?

Commerce reported $9.9 billion of commercial card volume in 2025 and offers AI receivables automation to clients. Ramp launched an Accounts Receivable product on three AI agents in September 2026 and reports $1 billion of annualized revenue; Brex, which powers Fifth Third's commercial card, became part of Capital One in April 2026.[7][5][90][91][93][94]

How does Commerce compare with Central Bancompany on digital banking?

Both are Missouri banks, and Central plans new branches in Commerce's Kansas City and St. Louis markets. Central reports a 4.9 iOS app rating, 310 mobile functionalities and Personetics AI insights in its app; Commerce reports a 4.7 app rating and 82% digital penetration. On this site's index Commerce scores 34 and Central 24.7.[41][8][7]

Does Commerce use generative AI internally?

Commerce has not disclosed an internal generative-AI tool such as Copilot or a staff chatbot. Its 2025 annual report describes an AI pillar and roadmap, and its 10-K mentions AI only as a tool attackers may use for social engineering. Peers in its group disclose more: Associated cites 30 AI use cases in process, and First Interstate is piloting a Fiserv loan-onboarding agent.[1][18][4][21]

How does Commerce compare with BOK Financial on AI?

BOK Financial scores 41.8 on this site's index and Commerce 34. BOK names a chief data and analytics officer and uses Vanilla for trust reviews, but made no AI remark on four straight earnings calls to Q2 2026. Commerce has a written AI roadmap and moved Commerce Trust onto SS&C Advent's Genesis platform in June 2026.[20][17][11][1][16]

  1. 2025 Annual Report
    Commerce Bancshares · Feb 24, 2026
  2. Alexander Bush, EVP, Chief Data Officer & CIO, Associated Bank (Digital Banking speaker profile)
    American Banker · Apr 23, 2026
  3. Associated Bank Hires Andy Miner as senior director, AI for Corporate & Commercial Banking
    Associated Banc-Corp · Jun 30, 2026
  4. Associated Banc-Corp at Barclays conference: growth, margins and AI (transcript)
    Investing.com · Sep 15, 2026
  5. Banking on a mission (AlloSource client story)
    Commerce Bank · Aug 19, 2025
  6. Iowa-based electrical contractor reduces payment processing time
    Commerce Bank · Jan 17, 2025
  7. Commerce Bancshares, Inc. Investor Update, 4th Quarter 2025
    Commerce Bancshares · Feb 9, 2026
  8. How Personetics and Central Bank Drive Customer-Centered Banking
    Personetics · Apr 16, 2026
  9. Commerce Bancshares, Inc. Quarterly Report on Form 10-Q for the quarter ended 30 June 2026
    Commerce Bancshares (SEC filings) · Aug 5, 2026
  10. BOK Financial (BOKF) Q1 2026 earnings call transcript
    The Motley Fool (earnings call transcript) · Apr 21, 2026
  11. Earnings call transcript: BOK Financial beats Q2 2026 EPS forecast, shares slip
    Investing.com · Jul 21, 2026
  12. UMB Financial (UMBF) Q1 2026 Earnings Transcript
    The Motley Fool (Yahoo Finance) · Apr 29, 2026
  13. Earnings call transcript: UMB Financial tops Q2 2026 estimates as shares rise
    Investing.com (earnings call transcript) · Jul 29, 2026
  14. AI POV: Impacts on the markets and what the future may hold
    UMB Financial · Mar 2, 2026
  15. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend
    Business Wire via FT Markets · Aug 18, 2026
  16. Commerce Trust Goes Live on SS&C Advent’s Genesis
    Yahoo Finance (SS&C via Business Wire) · Jun 4, 2026
  17. How BOK Financial Streamlines Trust Reviews with Vanilla
    Vanilla (vendor case study) · Aug 13, 2026
  18. Commerce Bancshares, Inc. Annual Report on Form 10-K for 2025
    Commerce Bancshares (SEC filings) · Feb 24, 2026
  19. Top US Bank, Commerce Bank, goes live on the FedNow Service with Temenos
    Temenos · May 15, 2024
  20. Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile)
    American Banker · Mar 24, 2026
  21. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking
    Fiserv (GlobeNewswire) · May 14, 2026
  22. Old National (ONB) Q1 2026 Earnings Transcript
    The Motley Fool (Yahoo Finance) · Apr 22, 2026
  23. AI driving funding growth via credit adjudication
    Equipment Finance News (first published by sister title FinAi News) · Aug 6, 2026
  24. Commerce Bancshares, Inc. 2026 Proxy Statement (Schedule 14A)
    Commerce Bancshares (SEC filings) · Mar 13, 2026
  25. UMB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    UMB Financial (SEC filings) · Feb 26, 2026
  26. UMB Financial Corporation 2026 Proxy Statement (DEF 14A)
    UMB Financial (SEC filings) · Mar 12, 2026
  27. Old National Receives 2026 Trust in Banking Award
    Old National Bancorp · Jan 22, 2026
  28. Old National Bank, Axletree Solutions Partnership Finalizes Critical Swift Architecture, Achieves ISO 20022 Compliance for 2026
    GlobeNewswire via FT Markets · Feb 10, 2026
  29. Four tips to identify AI solutions that solve real business problems
    Old National Bank · Apr 11, 2025
  30. What not to share when using AI for personal finance help
    Old National Bank · May 26, 2026
  31. Associated Bank chief digital officer joins from BMO
    Banking Dive · Jul 30, 2026
  32. Associated Announces Annual Meeting Results; Dividends; Stock Repurchase Program; and New Technology Committee
    Associated Banc-Corp · Apr 28, 2026
  33. Fiserv has co-created AI agents with six banks and OpenAI
    American Banker · May 14, 2026
  34. First Interstate BancSystem Q1 Earnings Call Highlights
    MarketBeat (Yahoo Finance) · Apr 30, 2026
  35. Frost Bank exec: AI to usher in simpler mobile banking era
    Banking Dive · Jan 29, 2025
  36. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending
    Business Wire via FT Markets · Aug 20, 2026
  37. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1)
    Cullen/Frost Bankers (SEC filings) · Aug 17, 2026
  38. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank
    American Banker · Sep 24, 2025
  39. UMB's post-acquisition systems conversion set for October
    American Banker · Jul 30, 2025
  40. How to stay safe from AI-powered fraud
    Commerce Bank · Jul 19, 2024
  41. Central Bancompany, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Central Bancompany (SEC filings) · Mar 25, 2026
  42. How AI is Changing the Economy (undated page, retrieved 2026-09-24)
    Central Bank · Sep 24, 2026
  43. The Rise of AI-Enhanced Scams
    Central Bank · Nov 7, 2024
  44. Central Bank Boosts Financial Wellness for Customers Through Personetics' AI-powered Platform
    Personetics (PR Newswire) · Mar 27, 2024
  45. Commerce eyes wealth-management gains after sealing M&A deal
    American Banker · Jan 7, 2026
  46. UMB CEO takes 'measured' tone on M&A
    Banking Dive · Jan 29, 2026
  47. UMB Financial Q3 2025 Earnings Call Transcript
    The Motley Fool (earnings call transcript) · Jan 26, 2026
  48. UMB (UMBF) Q4 2025 Earnings Call Transcript
    The Motley Fool (earnings call transcript) · Apr 21, 2026
  49. Central Bancompany, Inc. Reports Second Quarter 2026 Results, Declares Regular $0.12 Dividend and Authorizes $100 Million Share Repurchase
    Central Bancompany (GlobeNewswire) · Aug 4, 2026
  50. BOK counting on mortgage finance for a boost in 2026
    American Banker · Jan 27, 2026
  51. Kymes: Credit is still very benign despite recent headlines
    CNBC · Oct 22, 2025
  52. BOK Financial (BOKF) Q3 2025 earnings call transcript
    The Motley Fool (earnings call transcript) · Oct 21, 2025
  53. Earnings call transcript: BOK Financial Q4 2025 earnings beat expectations
    Investing.com · Jan 20, 2026
  54. Associated Bank CEO wants to pave 'highway to private wealth'
    Banking Dive · Apr 27, 2026
  55. Associated Banc-Corp Reports Second Quarter 2026 Earnings of $0.63 Per Common Share, or $0.73 Excluding Nonrecurring Items
    PR Newswire via FT Markets · Jul 23, 2026
  56. US 8,280,813 B2: System and method for providing debt protection for financial overdraft account (assignee Associated Banc-Corp)
    Google Patents (USPTO) · Oct 2, 2012
  57. Frost Bank sticks to organic growth as Texas M&A heats up
    Banking Dive · Jan 29, 2026
  58. US20170316393A1: System, apparatus and method for linking financial accounts to a subscription service and waiving select fees of those linked financial accounts
    Google Patents (USPTO) · Nov 2, 2017
  59. Strategic Growth and Service By Investing.com
    Investing.com (Raymond James Institutional Investors Conference, 3 March 2026) · Mar 3, 2026
  60. Wintrust Financial Corporation (WTFC) Q2 FY2026 earnings call transcript
    Yahoo Finance (Quartr) · Jul 21, 2026
  61. Wintrust Financial Corporation Appoints Two Members to Board of Directors
    Wintrust Financial Corporation (GlobeNewswire) · Oct 2, 2025
  62. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure
    Old National Bancorp · Jul 22, 2026
  63. Acquisitive Old National eyes growth in Midwest, Southeast
    American Banker · Jan 21, 2025
  64. Google Patents assignee search: Old National Bancorp (0 results)
    Google Patents (USPTO) · Oct 14, 2026
  65. Google Patents assignee search: Old National Bank (only third-party patents that mention the bank)
    Google Patents (USPTO) · Oct 14, 2026
  66. Why one regional bank is shrinking after years of rapid growth
    American Banker · Feb 5, 2026
  67. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates
    Yahoo Finance (Commerce Bank via Business Wire) · Oct 1, 2026
  68. Financing the AI innovation roadmap
    Wintrust Financial Corporation · Sep 8, 2026
  69. Growing threats in commercial banking fraud
    Commerce Bank · Aug 31, 2026
  70. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026
    Business Wire via Yahoo Finance · Aug 27, 2026
  71. Insurance Banking Rundown
    Wintrust Financial Corporation · Aug 26, 2026
  72. First Interstate BancSystem Form 8-K (Item 5.02: appointment of Chief Operations Officer)
    First Interstate BancSystem (SEC filings) · Aug 21, 2026
  73. First Interstate BancSystem Form 8-K (Item 5.02: Chief Operations Officer employment agreement)
    First Interstate BancSystem (SEC filings) · Sep 16, 2026
  74. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead
    CNBC · Aug 20, 2026
  75. Top Banks by Reputation 2026: Customers
    American Banker · Aug 17, 2026
  76. Central Bancompany, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Central Bancompany (SEC filings) · Aug 14, 2026
  77. AI-Powered Social Engineering: Is Your Business at Risk?
    Associated Bank · Aug 5, 2026
  78. 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
  79. UMB Financial Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    UMB Financial (SEC filings) · Jul 30, 2026
  80. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Old National Bancorp (SEC filings) · Jul 29, 2026
  81. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Old National Bancorp (SEC filings) · Apr 29, 2026
  82. Old National Bancorp Q2 Earnings Call Highlights
    Yahoo Finance · Jul 22, 2026
  83. FDIC Summary of Deposits: Kansas City, MO-KS MSA, branch deposits as of June 30, 2025 (BankFind Suite API)
    Federal Deposit Insurance Corporation · Jun 30, 2025
  84. FDIC Summary of Deposits: St. Louis, MO-IL MSA, branch deposits as of June 30, 2025 (BankFind Suite API)
    Federal Deposit Insurance Corporation · Jun 30, 2025
  85. U.S. Bancorp Annual Report 2025
    U.S. Bank · Feb 23, 2026
  86. U.S. Bancorp Annual Report on Form 10-K for 2025
    U.S. Bancorp via SEC EDGAR · Feb 23, 2026
  87. Bank of America Fast Facts (undated page, retrieved 2026-10-19)
    Bank of America Newsroom · Oct 19, 2026
  88. Second Quarter 2026 Financial Results presentation (Form 8-K, Exhibit 99.2)
    Bank of America (SEC filings) · Jul 14, 2026
  89. CommercePayments Purchasing Card Program (product page, retrieved 2026-10-19)
    Commerce Bank · Oct 19, 2026
  90. Close the Gap Between Signed and Paid
    Ramp · Sep 22, 2026
  91. Ramp says it has hit $1B in annualized revenue
    TechCrunch · Sep 9, 2025
  92. AP just became autonomous
    Ramp · Oct 7, 2025
  93. Fifth Third and Brex Partner to Bring AI-Powered Finance to Businesses, Unlocking $5.6B in Commercial Card Volume
    Brex · Dec 9, 2025
  94. Capital One completes acquisition of Brex
    Capital One · Apr 7, 2026
  95. BOK Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    BOK Financial (SEC filings) · Feb 18, 2026
  96. UMB Financial Corporation Reports Second Quarter 2026 Results
    Business Wire via FT Markets · Jul 28, 2026
  97. Commerce Bancshares Calls 2025 a Record Year, Closes FineMark Deal, Eyes 2026 Growth & NIM Pressure (summary of CFO Charles Kim at the BofA Financial Services Conference)
    Yahoo Finance (MarketBeat) · Feb 10, 2026

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