# Commerce Bancshares vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/commerce/vs-peers
Last updated: Oct 20, 2026

*Part of the [Commerce Bancshares AI strategy profile](https://www.bankingnewsai.com/banks/commerce). Peer group: UMB Financial, Central Bancompany, BOK Financial Corporation, Associated Banc-Corp, Cullen/Frost Bankers, Wintrust Financial Corporation, Old National Bancorp, First Interstate BancSystem.*

## 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. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm))

## Where does Commerce lead its peers on AI?

- **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. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757))
- **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. ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1))
- **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. ([Yahoo Finance (SS&C via Business Wire)](https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster))

## Where does Commerce trail its peers on AI?

- **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. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556))
- **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. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Temenos](https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))
- **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. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [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), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/))
- **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. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000107/cbsh-20260312.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [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)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | [38.1](https://www.bankingnewsai.com/banks/ai-index) | #76 of 120 | [8](https://www.bankingnewsai.com/banks/wintrust#sources) | [16](https://www.bankingnewsai.com/banks/wintrust#sources) | [7 of 9](https://www.bankingnewsai.com/banks/wintrust#where) | [16](https://www.bankingnewsai.com/banks/wintrust#timeline) | Not disclosed |
| [Commerce Bancshares (this page)](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |

## 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) | Commerce | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 7.5 | [Associated (11)](https://www.bankingnewsai.com/banks/associated) | 8th of 9 |
| Use cases in production (10%) | 6 | 7 | [Old National (10)](https://www.bankingnewsai.com/banks/old-national) | 6th of 9 |
| Own primary disclosures (10%) | 21 | 16.5 | [Old National (22)](https://www.bankingnewsai.com/banks/old-national) | 2nd of 9 |
| Dated moves, last 12 months (10%) | 15 | 17 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 8th of 9 |
| Disclosed numbers (5%) | 14 | 13.5 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 5th of 9 |
| Named AI leaders (5%) | 7 | 10.5 | [Associated (12)](https://www.bankingnewsai.com/banks/associated) | 8th of 9 |
| Use cases described (5%) | 10 | 10.5 | [Old National (14)](https://www.bankingnewsai.com/banks/old-national) | 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | Not disclosed | Not surveyed |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [10, incl. Tim Crane (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/wintrust#people) ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html)) | 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) ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | Not disclosed | [1 open AI roles (Oct 5, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/wintrust#roles) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#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 |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| Sep 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 8, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 26, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Wintrust insurance banking note: automated credit assessments, AI governance watch ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/08/insurance-banking-rundown.html)) |
| 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 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| 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 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 29, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |

## 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.

| Bank | Kansas City / St. Louis deposit share | Customer AI or digital feature | AI disclosed internally or for clients |
| --- | --- | --- | --- |
| Commerce | 10.0% (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 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission)) |
| UMB | 35.7% (35 branches; headquarters deposits) / 2.0% | None disclosed on this site's profile | AI named in the board risk committee's remit; seven AI mentions in the FY2025 10-K ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm)) |
| U.S. Bancorp | 5.5% (38 branches) / 13.0% (73 branches) | Smart Assistant: 2.5 million uses a month | One of the largest US providers of corporate and purchasing card services ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [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)) |
| Bank of America | 5.4% (29 branches) / 12.5% (32 branches) | Erica: helps more than 24.6 million clients | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [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)) |
| Central Bancompany | 2.8% (47 branches) / not in the top 12 | Personetics AI insights in the app: 32.5 million insights delivered (vendor-reported); 4.9 iOS rating | About 65 in-house programmers and designers; core replacement under way ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)) |

## 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.

| Provider | What it offers or uses | Scale or result disclosed | Date |
| --- | --- | --- | --- |
| Commerce | AI-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 states | 2025 to February 2026 ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Commerce Bank](https://commercebank.com/corporate/solutions/payments-treasury/payables/commercial-cards)) |
| Ramp | Accounts Receivable product built on three AI agents; accounts payable agents | Median 36 hours from invoice sent to paid (September 2026); $1 billion annualized revenue (September 2025) | 2025 to 2026 ([Ramp](https://ramp.com/blog/introducing-accounts-receivable), [TechCrunch](https://techcrunch.com/2025/09/09/ramp-says-it-has-hit-1b-in-annualized-revenue/), [Ramp](https://ramp.com/blog/ramp-ap-agents-announcement)) |
| Brex (Capital One) | AI-powered corporate cards and spend agents; powers Fifth Third's commercial card | About 35,000 clients at the Capital One close; $5.6 billion of Fifth Third card volume | December 2025 to April 2026 ([Brex](https://www.brex.com/journal/press/brex-announces-partnership-with-fifth-third-bank), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/)) |
| Wintrust | AI credit adjudication in Wintrust Specialty Finance | More than 4,000 deals, roughly $500 million, in the first half of 2026 | June 30, 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) |
| First Interstate | Commercial loan onboarding agent co-created with Fiserv on agentOS | One of six banks co-developing agents with Fiserv | 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)) |

## 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.

| Bank | Line item | Amount and change | Period |
| --- | --- | --- | --- |
| Commerce | Data processing and software | $38.2 million, up 16.2% from $32.9 million | Q2 2026 ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm)) |
| BOK Financial | Data processing and communications | $198.5 million, up $11.3 million (6%) on ongoing projects | 2025 ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm)) |
| Central Bancompany | Computer software and maintenance; core modernization capitalized | $22.6 million, up 11.0%; $12 million capitalized to date | 2025; June 30, 2026 ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| UMB | Operating efficiency ratio after the Heartland conversion | 48.1%, from 51.5% a year earlier | Q2 2026 ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607281605BIZWIRE_USPRX____20260728_BW374318-1)) |

## 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).

## Common questions

### 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. ([American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission))

### 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. ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:41180%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,RSSDHCR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### 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. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf))

### 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. ([Temenos](https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos), [Yahoo Finance (MarketBeat)](https://finance.yahoo.com/news/commerce-bancshares-calls-2025-record-222029170.html), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))

### 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. ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm), [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm))

### 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. ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Ramp](https://ramp.com/blog/introducing-accounts-receivable), [TechCrunch](https://techcrunch.com/2025/09/09/ramp-says-it-has-hit-1b-in-annualized-revenue/), [Brex](https://www.brex.com/journal/press/brex-announces-partnership-with-fifth-third-bank), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-brex/))

### 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. ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))

### 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. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [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))

### 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. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Yahoo Finance (SS&C via Business Wire)](https://finance.yahoo.com/markets/stocks/articles/commerce-trust-goes-live-ss-130000154.html))

## Peers on this site

- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)

## Sources

1. 2025 Annual Report — Commerce Bancshares, Feb 24, 2026. https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf
2. Alexander Bush, EVP, Chief Data Officer & CIO, Associated Bank (Digital Banking speaker profile) — American Banker, Apr 23, 2026. https://digital-banking.americanbanker.com/profile/alexander-bush
3. Associated Bank Hires Andy Miner as senior director, AI for Corporate & Commercial Banking — Associated Banc-Corp, Jun 30, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking
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21. 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
22. Old National (ONB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html
23. AI driving funding growth via credit adjudication — Equipment Finance News (first published by sister title FinAi News), Aug 6, 2026. https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/
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27. Old National Receives 2026 Trust in Banking Award — Old National Bancorp, Jan 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award
28. Old National Bank, Axletree Solutions Partnership Finalizes Critical Swift Architecture, Achieves ISO 20022 Compliance for 2026 — GlobeNewswire via FT Markets, Feb 10, 2026. https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5
29. Four tips to identify AI solutions that solve real business problems — Old National Bank, Apr 11, 2025. https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/
30. What not to share when using AI for personal finance help — Old National Bank, May 26, 2026. https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/
31. Associated Bank chief digital officer joins from BMO — Banking Dive, Jul 30, 2026. https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/
32. Associated Announces Annual Meeting Results; Dividends; Stock Repurchase Program; and New Technology Committee — Associated Banc-Corp, Apr 28, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee
33. 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
34. 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
35. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
36. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
37. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
38. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
39. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
40. How to stay safe from AI-powered fraud — Commerce Bank, Jul 19, 2024. https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud
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. https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm
42. How AI is Changing the Economy (undated page, retrieved 2026-09-24) — Central Bank, Sep 24, 2026. https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/
43. The Rise of AI-Enhanced Scams — Central Bank, Nov 7, 2024. https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/
44. Central Bank Boosts Financial Wellness for Customers Through Personetics' AI-powered Platform — Personetics (PR Newswire), Mar 27, 2024. https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html
45. Commerce eyes wealth-management gains after sealing M&A deal — American Banker, Jan 7, 2026. https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal
46. UMB CEO takes 'measured' tone on M&A — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/
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48. UMB (UMBF) Q4 2025 Earnings Call Transcript — The Motley Fool (earnings call transcript), Apr 21, 2026. https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript
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. https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html
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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. https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1
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62. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure
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66. 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
67. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
68. Financing the AI innovation roadmap — Wintrust Financial Corporation, Sep 8, 2026. https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html
69. Growing threats in commercial banking fraud — Commerce Bank, Aug 31, 2026. https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud
70. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
71. Insurance Banking Rundown — Wintrust Financial Corporation, Aug 26, 2026. https://wintrust.com/articles/2026/08/insurance-banking-rundown.html
72. 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
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