# ConnectOne Bancorp vs peers: AI and technology compared

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

*Part of the [ConnectOne Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/connectone). Peer group: Valley National Bancorp, Dime Commercial Bancshares, OceanFirst Financial Corp., Flagstar Bank, Customers Bancorp, Webster Bank, ServisFirst Bancshares, NBT Bancorp.*

## How does ConnectOne Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index ConnectOne scores 44.6 (#65 of 120 US banks), fifth in a nine-bank group of New York-area business banks. It sits behind Valley (76.6), Customers (75.5), Webster (68.7) and Flagstar (65.3), and ahead of OceanFirst (40.5), ServisFirst (39.7), NBT (14.1) and Dime (10.5). What separates it is measured results from vendor-built agents in commercial lending. In July 2026 it reported nCino's Banking Advisor live in production and two custom agents with 16 skills on nCino's Agentic Operating System. Document search fell from about 20 minutes to as little as 30 seconds, a relationship-update agent cut task time by 60%, and active users rose 41% in ten weeks. American Banker reports the tools arrived in April 2026 and delivered results within three months. Peers with higher scores run bigger programs. Customers has an OpenAI collaboration with engineers on site and reports more than 600 agents. Valley counts about $15 million of AI run-rate savings against $3 million to $4 million of new AI expense. Flagstar's StarIQ orchestrates four foundation models. ConnectOne's chief executive frames AI as growth investment rather than cost-cutting: the goal is to make every frontline commercial banker 50% more productive, and the CFO guided operating expenses up about 1.5% a quarter, mainly on staff. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455))

## Where does ConnectOne lead its peers on AI?

- **Measured AI results where OceanFirst, ServisFirst and Dime have fewer.** ConnectOne reports document search cut from about 20 minutes to 30 seconds, 60% less time on relationship updates and active Banking Advisor users up 41% in ten weeks (July 2026). ServisFirst's September 2026 Covecta deal names no use case, and Dime's only named AI is Quantifind sanctions screening, with no result disclosed. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html))
- **A two-week merger conversion.** ConnectOne completed the full systems conversion of The First of Long Island within two weeks of the June 1, 2025 merger. OceanFirst closed Flushing Financial on June 1, 2026 and moved Flushing's digital banking customers onto its platforms on September 21, 2026, about three and a half months later. ([GuruFocus via Yahoo Finance](https://finance.yahoo.com/news/connectone-bancorp-inc-cnob-q4-210611121.html), [ConnectOne Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/06/02/3091713/25238/en/connectone-bancorp-inc-completes-merger-with-the-first-of-long-island-corporation.html), [Yahoo Finance](https://finance.yahoo.com/quote/OCFC/earnings/OCFC-Q2-2026-earnings_call-654444.html), [OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf))
- **Built its own data warehouse before buying AI.** ConnectOne built its data lake and data warehouse from scratch in about nine months in 2024 to control how data is ingested and orchestrated. OceanFirst spent about 18 months cleaning data line of business by line of business before its Databricks layer. ([Bank Automation News](https://bankautomationnews.com/allposts/center-of-excellence/connectone-bank-builds-data-lake-in-house), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds))

## Where does ConnectOne trail its peers on AI?

- **Two custom agents against Customers' 600-plus.** ConnectOne reports two custom agents with 16 skills built with nCino's engineers (July 2026). Customers reports more than 600 agents including custom GPTs, 100% of staff AI-licensed and a 40-person AI mobilization team, with OpenAI engineers on site since April 2026. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model))
- **No AI savings figure while Valley counts its return.** ConnectOne frames AI as growth investment and guided operating expenses up about 1.5% a quarter for the second half of 2026, mainly on staffing. Valley reports about $15 million of run-rate savings from AI against $3 million to $4 million of new AI expense, and is replacing three vendor contracts with AI. ([American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))
- **Vendor AI rather than its own platform.** ConnectOne's named AI comes from vendors: nCino, Google's Gemini in email and Verafin. Flagstar built StarIQ, an internal AI component of its S2 platform orchestrating Claude, Llama, Mistral and Titan models, and Valley runs its own AI Assistant with tiered access. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-q1-2026-eps-misses-revenue-beats-93CH-4633276), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))
- **No customer-facing AI, while Customers deploys voice agents.** ConnectOne's disclosed AI serves its bankers; it describes no AI assistant for clients, and its March and June 2026 10-Qs contain no AI language. Customers announced ElevenLabs voice and chat agents for customer service, relationship-manager assist and conversational account opening in June 2026. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260602834906/en/Customers-Bank-and-ElevenLabs-to-Deploy-AI-Powered-Conversational-Agents-Across-Customer-and-Employee-Experiences))

## Where does ConnectOne 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | [76.6](https://www.bankingnewsai.com/banks/ai-index) | #26 of 120 | [11](https://www.bankingnewsai.com/banks/valley#sources) | [22](https://www.bankingnewsai.com/banks/valley#sources) | [13 of 17](https://www.bankingnewsai.com/banks/valley#where) | [22](https://www.bankingnewsai.com/banks/valley#timeline) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #29 of 120 | [13](https://www.bankingnewsai.com/banks/customers#sources) | [20](https://www.bankingnewsai.com/banks/customers#sources) | [11 of 16](https://www.bankingnewsai.com/banks/customers#where) | [23](https://www.bankingnewsai.com/banks/customers#timeline) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #37 of 120 | [14](https://www.bankingnewsai.com/banks/webster#sources) | [17](https://www.bankingnewsai.com/banks/webster#sources) | [7 of 11](https://www.bankingnewsai.com/banks/webster#where) | [24](https://www.bankingnewsai.com/banks/webster#timeline) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #41 of 120 | [14](https://www.bankingnewsai.com/banks/flagstar#sources) | [12](https://www.bankingnewsai.com/banks/flagstar#sources) | [8 of 14](https://www.bankingnewsai.com/banks/flagstar#where) | [24](https://www.bankingnewsai.com/banks/flagstar#timeline) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) |
| [ConnectOne Bancorp (this page)](https://www.bankingnewsai.com/banks/connectone) | [44.6](https://www.bankingnewsai.com/banks/ai-index) | #65 of 120 | [9](https://www.bankingnewsai.com/banks/connectone#sources) | [12](https://www.bankingnewsai.com/banks/connectone#sources) | [7 of 10](https://www.bankingnewsai.com/banks/connectone#where) | [14](https://www.bankingnewsai.com/banks/connectone#timeline) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | [40.5](https://www.bankingnewsai.com/banks/ai-index) | #70 of 120 | [4](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [16](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [9 of 16](https://www.bankingnewsai.com/banks/oceanfirst#where) | [15](https://www.bankingnewsai.com/banks/oceanfirst#timeline) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | [39.7](https://www.bankingnewsai.com/banks/ai-index) | #72 of 120 | [7](https://www.bankingnewsai.com/banks/servisfirst#sources) | [13](https://www.bankingnewsai.com/banks/servisfirst#sources) | [4 of 6](https://www.bankingnewsai.com/banks/servisfirst#where) | [17](https://www.bankingnewsai.com/banks/servisfirst#timeline) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | [14.1](https://www.bankingnewsai.com/banks/ai-index) | #100 of 120 | [3](https://www.bankingnewsai.com/banks/nbt#sources) | [15](https://www.bankingnewsai.com/banks/nbt#sources) | [6 of 8](https://www.bankingnewsai.com/banks/nbt#where) | [12](https://www.bankingnewsai.com/banks/nbt#timeline) | Not disclosed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | [10.5](https://www.bankingnewsai.com/banks/ai-index) | #102 of 120 | [3](https://www.bankingnewsai.com/banks/dime#sources) | [13](https://www.bankingnewsai.com/banks/dime#sources) | [2 of 8](https://www.bankingnewsai.com/banks/dime#where) | [13](https://www.bankingnewsai.com/banks/dime#timeline) | Not disclosed |

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

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

| Component (weight) | ConnectOne | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 9 | 9 | [Flagstar (14)](https://www.bankingnewsai.com/banks/flagstar) | 5th of 9 |
| Use cases in production (10%) | 7 | 7.5 | [Valley (13)](https://www.bankingnewsai.com/banks/valley) | 5th of 9 |
| Own primary disclosures (10%) | 12 | 15.5 | [Valley (22)](https://www.bankingnewsai.com/banks/valley) | 8th of 9 |
| Dated moves, last 12 months (10%) | 14 | 19.5 | [Flagstar (24)](https://www.bankingnewsai.com/banks/flagstar) | 7th of 9 |
| Disclosed numbers (5%) | 12 | 13 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 5th of 9 |
| Named AI leaders (5%) | 6 | 7.5 | [Webster (17)](https://www.bankingnewsai.com/banks/webster) | 6th of 9 |
| Use cases described (5%) | 10 | 12.5 | [Valley (17)](https://www.bankingnewsai.com/banks/valley) | 6th of 9 |

## What has each bank in ConnectOne'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 |
| --- | --- | --- | --- | --- | --- |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | [6, incl. Frank Sorrentino III (Chairman and CEO)](https://www.bankingnewsai.com/banks/connectone#people) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | Banking Advisor active users: Up 41% in 10 weeks (Jul 14, 2026) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) | Not disclosed | Not surveyed |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) | [14, incl. Ira Robbins (Chairman and CEO)](https://www.bankingnewsai.com/banks/valley#people) ([Valley National Bancorp](https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf)) | Vendor contracts being replaced by AI: 3 (Jul 10, 2026) ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) | Not disclosed | Not surveyed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | Not disclosed | [4, incl. Stuart Lubow (President and CEO)](https://www.bankingnewsai.com/banks/dime#people) ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) | Executive officers in the 2026 proxy with an AI or data title: 0 of 14 (one technology and operations officer) (Apr 13, 2026) ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm)) | Not disclosed | Not surveyed |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | [8, incl. Christopher D. Maher (Chief Executive Officer)](https://www.bankingnewsai.com/banks/oceanfirst#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324), [OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus)) | Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025) ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | Not disclosed | Not surveyed |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) | [11, incl. Joseph Otting (Executive Chairman and CEO)](https://www.bankingnewsai.com/banks/flagstar#people) ([American Banker](https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses), [Banking Dive](https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm)) | Not disclosed | 1 patent listed on the profile, e.g. US 8,239,255 B2 (Consumer incentive system and business method) ([Google Patents (USPTO)](https://patents.google.com/patent/US8239255B2/en)) | Not surveyed |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) | [7, incl. Sam Sidhu (President and CEO, Customers Bancorp)](https://www.bankingnewsai.com/banks/customers#people) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm)) | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/customers#roles) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) | [17, incl. John Ciulla (CEO, Santander Bank, N.A.)](https://www.bankingnewsai.com/banks/webster#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/)) | Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026) ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm)) | Not disclosed | Not surveyed |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) | [5, incl. Tom Broughton (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/servisfirst#people) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [American Banker](https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas)) | Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html)) | Not disclosed | Not surveyed |
| [NBT Bancorp](https://www.bankingnewsai.com/banks/nbt) | Not disclosed | [6, incl. Scott A. Kingsley (President and CEO)](https://www.bankingnewsai.com/banks/nbt#people) ([NBT Bancorp (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf), [NBT Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2024/05/21/2885872/15780/en/NBT-Bancorp-Inc-Completes-Leadership-Transition.html)) | Full-time equivalent employees: 2,303 (Dec 31, 2025) ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of ConnectOne 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 9, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Third-quarter 2026 results set for 23 October ([Flagstar Bank (PR Newswire)](https://prnewswire.com/news-releases/flagstar-bank-na-to-report-third-quarter-2026-earnings-and-host-conference-call-on-october-23rd-302902712.html)) |
| Sep 29, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| Sep 28, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Bluevine acquired for $340 million to accelerate the AI roadmap ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banking Dive](https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/)) |
| Sep 21, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Flushing digital banking customers scheduled to move to OceanFirst platforms ([OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |
| Sep 15, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Trade press frames Covecta as a third US bank client ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents)) |
| Sep 10, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Selects Covecta to deploy agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Aug 21, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Pope ties the real-time core to fraud and AI ([Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Integration plan: one platform by end-2027 ([American Banker](https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Webster Bank, N.A. merges into Santander Bank, N.A. ([Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm)) |
| Aug 12, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | New Jersey push ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) |
| Aug 7, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 10-Q: no AI language ([NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm), [NBT Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm)) |
| Aug 7, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 10-Q: no AI language ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm)) |
| Aug 7, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Q2 2026 10-Q lists AI adoption among operational risks ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm)) |
| Aug 4, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Q1 and Q2 2026 10-Qs carry no AI language ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm)) |
| Jul 31, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | Q2 2026 10-Q has no AI text ([Dime Commercial Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm)) |
| Jul 28, 2026 | [NBT](https://www.bankingnewsai.com/banks/nbt) | Q2 2026 call: technology investment in the expense outlook ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html)) |
| Jul 24, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 call: underwriting, KYC and close-cycle results ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Jul 23, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Second-quarter 2026 results ([ConnectOne Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/23/3331988/25238/en/ConnectOne-Bancorp-Inc-Reports-Second-Quarter-2026-Results.html)) |

## How do ConnectOne's AI agents compare with its peers' AI programs?

What each bank has disclosed about AI for bankers and lending, with the date and any result. A blank means nothing is disclosed, not that nothing exists.

| Bank | What it has | When | Result disclosed |
| --- | --- | --- | --- |
| ConnectOne | nCino Banking Advisor in production; two custom agents with 16 skills on nCino's Agentic Operating System | April to July 2026 | Document search 97.5% faster; relationship updates 60% faster; some manual lending processes cut by over 50% ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455)) |
| Customers | Multi-agentic credit underwriting built with OpenAI engineers on site | July 2026 | Selected C&I and CRE loans closed in seven days, from 30 to 60 ([Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Valley | Valley's AI Assistant with tiered access; AI replacing three vendor contracts | July 2026 | About $15 million of run-rate savings ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html)) |
| Flagstar | StarIQ, trained on compliance and branch and call-center procedures | Early 2026 | Heaviest users are risk management and marketing ([American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |
| OceanFirst | Microsoft Copilot; an Automation Transformation Office | December 2025 | Complex AML cases from 6+ hours to about 5 minutes; bond reviews from 6-8 hours to 15 minutes ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| ServisFirst | Covecta agentic AI outside mission-critical systems | September 2026 | No use case disclosed ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Dime | Quantifind AI for payments sanctions screening | June 2025 | Not disclosed ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html)) |

## How does ConnectOne's AI governance compare with its peers'?

The people and committees each bank names for AI, and what its filings say.

| Bank | Owner or committee named | Policy or filing language | Date |
| --- | --- | --- | --- |
| ConnectOne | A management IT Committee co-chaired by the Chief Compliance Officer and the Chief Data & Development Officer, with the CEO, CRO, Chief Digital Officer and Chief Brand and Innovation Officer | Non-approved generative AI apps prohibited on bank networks and devices; AI used to draft standardized documents and search the internet | 10-K, February 24, 2026 ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm)) |
| Customers | CEO Sam Sidhu personally leading AI; a 40-person AI mobilization team | An AI charter group, acceptable-use policy and use-case scoring framework since 2024 | 2024-2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-q4-2025-shows-strong-growth-93CH-4463251), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [ICBA (Independent Banker)](https://icba.org/w/customers-bank-s-dynamic-ai-strategy)) |
| Valley | Tiered access: about 80 of some 3,600 employees with open AI access | AI governed centrally while vendor contracts are replaced | July 2026 ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| OceanFirst | Board Information Technology Committee oversees AI initiatives; an Automation Transformation Office | Three-phase automation roadmap: 2023-2025, 2026-2027, 2028 onward | 2026 proxy; July 2026 deck ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000130817926000348/ocfc015252-def14a.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm)) |
| Dime | No AI or data title among 14 executive officers | A full AI risk factor naming 'digital redlining' | 2025 10-K; 2026 proxy ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm)) |

## How does ConnectOne's spending and efficiency compare with its peers'?

Expense guidance and efficiency measures as each bank discloses them. None publishes a stand-alone AI budget.

| Bank | Efficiency or expense disclosed | Technology signal | Period |
| --- | --- | --- | --- |
| ConnectOne | Operating expenses guided up about 1.5% a quarter, mainly staff; claims top-1% efficiency among US banks | nCino customer since 2017; 'branch-lite' model | Q2 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [FinTech Futures](https://fintechfutures.com/ai-in-fintech/connectone-rolls-out-ncino-ai-agents-across-commercial-lending), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm)) |
| Valley | Non-GAAP efficiency ratio 52.1% | Technology, furniture and equipment expense $33.2 million, up about 8.4% | Q2 2026 ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/exhibit991earningsrelease0.htm)) |
| Dime | Core efficiency ratio 49.9% | Credits hiring and renegotiated contracts, not technology | Q2 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039)) |
| ServisFirst | Efficiency ratio 29.65% | No additional technology spend planned | Q2 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767)) |
| Flagstar | First-half operating expense down 10% to $868 million | Software expense up 20% to $96 million | H1 2026 ([Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm)) |
| OceanFirst | Q4 2026 operating expense guided to $110-115 million after the Flushing conversion | About $2 million one-time for a new digital banking platform in Q3 | July 2026 ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |

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

ConnectOne Bancorp is compared here with Valley National Bancorp, Dime Commercial Bancshares, OceanFirst Financial Corp., Flagstar Bank, Customers Bancorp, Webster Bank, ServisFirst Bancshares and NBT Bancorp: chosen by the editors for this page (see the note below the table). ConnectOne Bancorp is classed as a commercial and business bank in the Northeast.

The computed group put ConnectOne beside Live Oak, a national SBA lender, and banks from Missouri, Alabama and Pennsylvania; this group holds the commercial banks it meets in the New York metro area (Valley, Dime, OceanFirst, Flagstar, Customers and Webster), plus ServisFirst, a branch-light business bank of similar size, and NBT, a New York bank of similar size.

## Common questions

### Does ConnectOne Bank use AI?

Yes, mainly in commercial lending. Since April 2026 its bankers have used nCino's Banking Advisor, and it built two custom agents with 16 skills on nCino's Agentic Operating System; it reports document search cut from about 20 minutes to 30 seconds. Staff also use Google's Gemini in email, and its 10-K says AI drafts standardized documents and communications. ([American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-q1-2026-eps-misses-revenue-beats-93CH-4633276), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm))

### Is ConnectOne better than Valley at AI?

The record cannot settle capability, but Valley has put more on it: 76.6 on this site's disclosure index against ConnectOne's 44.6. Valley reports its own AI Assistant, about $15 million of AI run-rate savings and the pending purchase of Bluevine. ConnectOne reports more specific productivity results from its nCino agents. ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html))

### How does ConnectOne's AI compare with Customers Bank's?

Customers runs a larger program: an OpenAI collaboration with engineers on site, more than 600 agents and a 40-person AI team, with a seven-day commercial loan close in pilot. ConnectOne's approach is vendor-led through nCino, with two custom agents and a target of making every frontline commercial banker 50% more productive. ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html))

### Is ConnectOne cutting jobs because of AI?

No, on its own account. CEO Frank Sorrentino told American Banker that agentic AI is an investment rather than a cost cut and that the bank will likely need more back-office people. In July 2026 the CFO guided operating expenses up about 1.5% a quarter, mainly from higher staff numbers. ([American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455))

### Which AI vendors does ConnectOne use compared with its peers?

ConnectOne names nCino, Google (Gemini in email), Slack and Verafin. Customers works with OpenAI, Microsoft and ElevenLabs; OceanFirst with Microsoft Copilot and Databricks; Flagstar's StarIQ uses Anthropic Claude, Meta Llama, Mistral and Amazon Titan models on AWS; Dime with Quantifind. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-q1-2026-eps-misses-revenue-beats-93CH-4633276), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260602834906/en/Customers-Bank-and-ElevenLabs-to-Deploy-AI-Powered-Conversational-Agents-Across-Customer-and-Employee-Experiences), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html))

### How does ConnectOne compare with Dime on technology?

ConnectOne scores 44.6 on this site's index and Dime 10.5. ConnectOne reports AI agents in lending and an in-house data lake built in 2024; Dime's one named AI deployment is Quantifind sanctions screening, and none of its 14 executive officers holds an AI or data title. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Bank Automation News](https://bankautomationnews.com/allposts/center-of-excellence/connectone-bank-builds-data-lake-in-house), [Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm))

### Who leads AI at ConnectOne?

CEO Frank Sorrentino sets the agenda and announced the 50% productivity goal at nCino's 2026 conference. Chief Digital Officer Ali Mattera led the First of Long Island integration, Chief Data & Development Officer Sharif Alexandre co-chairs the IT Committee, and Chief Brand and Innovation Officer Siya Vansia tracks what generative AI says about the bank. ([nCino](https://ncino.com/en-EMEA/blog/nsight-2026-recap), [American Banker](https://www.americanbanker.com/news/2025-next-no-14-ali-mattera-connectone-bank), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm), [American Banker](https://www.americanbanker.com/news/do-you-know-what-gen-ai-is-saying-about-your-bank))

## Peers on this site

- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [Dime Commercial Bancshares AI strategy](https://www.bankingnewsai.com/banks/dime) · [vs peers](https://www.bankingnewsai.com/banks/dime/vs-peers)
- [OceanFirst Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/oceanfirst) · [vs peers](https://www.bankingnewsai.com/banks/oceanfirst/vs-peers)
- [Flagstar Bank AI strategy](https://www.bankingnewsai.com/banks/flagstar) · [vs peers](https://www.bankingnewsai.com/banks/flagstar/vs-peers)
- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) · [vs peers](https://www.bankingnewsai.com/banks/customers/vs-peers)
- [Webster Bank AI strategy](https://www.bankingnewsai.com/banks/webster) · [vs peers](https://www.bankingnewsai.com/banks/webster/vs-peers)
- [ServisFirst Bancshares AI strategy](https://www.bankingnewsai.com/banks/servisfirst) · [vs peers](https://www.bankingnewsai.com/banks/servisfirst/vs-peers)
- [NBT Bancorp AI strategy](https://www.bankingnewsai.com/banks/nbt) · [vs peers](https://www.bankingnewsai.com/banks/nbt/vs-peers)

## Sources

1. ConnectOne Bank is Building the Future of Commercial Lending on nCino’s Agentic Operating System — nCino (GlobeNewswire), Jul 14, 2026. https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html
2. How ConnectOne Bank uses AI to save time on admin work — American Banker, Jul 14, 2026. https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work
3. Customers Bank Announces Strategic Collaboration with OpenAI to Redefine the Commercial Banking Operating Model — Customers Bank (Business Wire), Apr 27, 2026. https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model
4. Customers Bancorp Q2 2026 Investor Presentation (Form 8-K, Exhibit 99.2) — Customers Bancorp (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm
5. Valley National Bancorp (VLY) Q2 2026 Earnings Call Transcript — Yahoo Finance, Jul 24, 2026. https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html
6. Flagstar Bank Announces Proprietary Technology Transformation — Flagstar Bank, Jun 15, 2026. https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx
7. Earnings call transcript: ConnectOne Bancorp tops Q2 2026 EPS forecast — Investing.com, Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455
8. ServisFirst Bank Selects Covecta to Deploy Agentic AI Across its Operations — ServisFirst Bank, Sep 10, 2026. https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations
9. Dime Community Bank Selects Quantifind to Strengthen Sanctions Screening in Payments — Quantifind (PR Newswire), Jun 4, 2025. https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html
10. ConnectOne Bancorp Inc (CNOB) Q4 2025 Earnings Call Highlights: Strong Asset Growth and ... — GuruFocus via Yahoo Finance, Jan 29, 2026. https://finance.yahoo.com/news/connectone-bancorp-inc-cnob-q4-210611121.html
11. ConnectOne Bancorp, Inc. Completes Merger With the First of Long Island Corporation — ConnectOne Bancorp (GlobeNewswire), Jun 2, 2025. https://www.globenewswire.com/news-release/2025/06/02/3091713/25238/en/connectone-bancorp-inc-completes-merger-with-the-first-of-long-island-corporation.html
12. OceanFirst Financial Corp. (OCFC) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 31, 2026. https://finance.yahoo.com/quote/OCFC/earnings/OCFC-Q2-2026-earnings_call-654444.html
13. Flushing conversion: digital banking key dates — OceanFirst Bank, Aug 21, 2026. https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf
14. ConnectOne Bank builds data lake in-house — Bank Automation News, Jul 5, 2024. https://bankautomationnews.com/allposts/center-of-excellence/connectone-bank-builds-data-lake-in-house
15. How OceanFirst uses AI to investigate crime, analyze bonds — American Banker, Dec 11, 2025. https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds
16. Valley Bank exec: AI is changing build-versus-buy question — Banking Dive, Jul 10, 2026. https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/
17. Earnings call transcript: ConnectOne Bancorp Q1 2026 EPS Misses, Revenue Beats — Investing.com, Apr 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-q1-2026-eps-misses-revenue-beats-93CH-4633276
18. The AI-Enabled Bank: Reimagining Retail Banking from Branch to Mobile (Leaders, with Chris Higgins) — American Banker, Jul 30, 2026. https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile
19. ConnectOne Bancorp, Inc. Form 10-Q for the quarter ended March 31, 2026 — ConnectOne Bancorp (SEC filing), May 5, 2026. https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm
20. ConnectOne Bancorp, Inc. Form 10-Q for the quarter ended June 30, 2026 — ConnectOne Bancorp (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm
21. Customers Bank and ElevenLabs to Deploy AI-Powered Conversational Agents Across Customer and Employee Experiences — Customers Bank (Business Wire), Jun 2, 2026. https://businesswire.com/news/home/20260602834906/en/Customers-Bank-and-ElevenLabs-to-Deploy-AI-Powered-Conversational-Agents-Across-Customer-and-Employee-Experiences
22. #47 Valley Bank's COO is building an AI-ready bank — American Banker, Jun 1, 2026. https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking
23. Nickolaus Lachman, SVP, Head of AI & Data Science, Valley Bank (Digital Banking speaker profile) — American Banker, Apr 15, 2026. https://digital-banking.americanbanker.com/profile/nickolas-lachman
24. Valley National Bancorp second quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — Valley National Bancorp (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm
25. OpenAI will embed staff at Customers Bank under multiyear deal — American Banker, Apr 27, 2026. https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal
26. Customers Bancorp Q4 2025 Investor Presentation — Customers Bancorp, Jan 22, 2026. https://customersbank.com/pdf/260122-presentation.pdf
27. Customers Bancorp Reports Results for Second Quarter 2026 — Customers Bancorp (Business Wire via Morningstar), Jul 23, 2026. https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026
28. Webster eyes $100B threshold, invests in hiring and tech — Banking Dive, Mar 14, 2025. https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/
29. Webster Bank Implements Prolific Banking's FI-Streams Connector to Enable Commercial Client Financial Data Connectivity — Business Wire via FT Markets, Jun 11, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1
30. Impact Makers Award Winners – Q2 2026 — Webster Bank, Jun 10, 2026. https://websterbank.com/impact-makers-award-winners
31. Santander to buy Webster for $12.3B — Banking Dive, Feb 3, 2026. https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/
32. Flagstar CIO: Proprietary tech creates 'optionality' — Banking Dive, Jun 22, 2026. https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/
33. How Flagstar Bank integrated its acquired data centers — American Banker, Jun 30, 2026. https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers
34. OceanFirst Financial Corp. Form 8-K Exhibit 99.1: Investor Presentation, May 2026 — OceanFirst Financial Corp. (SEC filings), May 1, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm
35. OceanFirst Financial Corp. Form 8-K Exhibit 99.2: Q2 2026 Earnings Release Supplement — OceanFirst Financial Corp. (SEC filings), Jul 30, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm
36. ServisFirst Bancshares, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — ServisFirst Bancshares (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm
37. Valley National Bancorp Announces First Quarter 2026 Results — Valley National Bancorp, Apr 23, 2026. https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf
38. New Jersey is latest frontier in NY bank's reinvention — American Banker, Aug 12, 2026. https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention
39. Dime Community Bancshares, Inc. 2026 Proxy Statement (DEF 14A) — Dime Community Bancshares (SEC filing), Apr 13, 2026. https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm
40. Earnings call transcript: OceanFirst Q1 2026 beats EPS forecasts, minor revenue miss — Investing.com, Apr 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324
41. OceanFirst Financial Corp. Completes Merger with Flushing Financial Corporation and $225 Million Strategic Investment from Warburg Pincus — OceanFirst Financial Corp. (investor relations), Jun 1, 2026. https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus
42. Flagstar is back in the black after eight quarters of losses — American Banker, Jan 30, 2026. https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses
43. Flagstar extends CEO Otting's tenure but sets up succession race — Banking Dive, May 20, 2026. https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/
44. Flagstar Bank Extends Joseph Otting's Term as CEO and Announces Executive Leadership Updates (Form 8-K, Exhibit 99.1) — Flagstar Bank (SEC filings), May 18, 2026. https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm
45. US 8,239,255 B2: Consumer incentive system and business method (assignee New York Community Bancorp, now Flagstar Financial) — Google Patents (USPTO), Aug 7, 2012. https://patents.google.com/patent/US8239255B2/en
46. CUBI Q1 2026 Earnings Transcript — The Motley Fool via Yahoo Finance, Apr 24, 2026. https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html
47. Customers Bancorp Annual Shareholder Letter 2026 (Form 8-K, Exhibit 99.1) — Customers Bancorp (SEC filings), Apr 15, 2026. https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm
48. Santander sets a new standard for profitable growth (Investor Day press release, filed on Form 425 regarding Webster) — Banco Santander (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm
49. ServisFirst Bancshares, Inc. Announces Results for Second Quarter of 2026 — ServisFirst Bancshares (GlobeNewswire), Jul 20, 2026. https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html
50. Alabama's ServisFirst expands beyond Southeast into Texas — American Banker, Dec 16, 2025. https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas
51. NBT Bancorp Inc. 2025 Annual Report — NBT Bancorp (SEC filing, ARS), Apr 6, 2026. https://www.sec.gov/Archives/edgar/data/790359/000114036126013244/ny20059955x4_ars.pdf
52. NBT Bancorp Inc. Completes Leadership Transition — NBT Bancorp (GlobeNewswire), May 21, 2024. https://www.globenewswire.com/news-release/2024/05/21/2885872/15780/en/NBT-Bancorp-Inc-Completes-Leadership-Transition.html
53. NBT Bancorp Inc. Form 10-K for the fiscal year ended December 31, 2025 — NBT Bancorp (SEC filing), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/790359/000114036126007179/ef20060005_10k.htm
54. Flagstar Bank, N.A. to Report Third Quarter 2026 Earnings and Host Conference Call on October 23rd — Flagstar Bank (PR Newswire), Oct 9, 2026. https://prnewswire.com/news-releases/flagstar-bank-na-to-report-third-quarter-2026-earnings-and-host-conference-call-on-october-23rd-302902712.html
55. Valley National CEO Ira Robbins: AI agents not a threat to regional banks — CNBC, Sep 29, 2026. https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html
56. Valley National Bancorp to Acquire Bluevine Inc., Accelerating Its Digital Small Business Growth Strategy and Meaningfully Enhancing Its Core Funding Capabilities — Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm
57. Accelerating Valley's National Digital Banking Franchise (Form 8-K Exhibit 99.2) — Valley National Bancorp (SEC filings), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm
58. Valley National Bank to acquire fintech Bluevine for $340M — Banking Dive, Sep 28, 2026. https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/
59. OceanFirst Financial (OCFC) Q2 2026 Earnings Call Transcript — The Motley Fool (earnings call transcript), Jul 31, 2026. https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/
60. ServisFirst Bank partners Covecta to deploy AI agents — FinTech Futures, Sep 15, 2026. https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents
61. Flagstar picks cloud-native core to replace legacy patchwork — Banking Dive, Aug 21, 2026. https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/
62. Santander isn't rushing into Webster integration: US CEO — American Banker, Aug 20, 2026. https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth
63. Webster Financial Corporation Form 8-K: completion of the acquisition by Banco Santander and merger of Webster Bank into Santander Bank, N.A. — Webster Financial (SEC filings), Aug 20, 2026. https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm
64. NBT Bancorp Inc. Form 10-Q for the quarter ended March 31, 2026 — NBT Bancorp (SEC filing), May 8, 2026. https://www.sec.gov/Archives/edgar/data/790359/000114036126020019/ef20070440_10q.htm
65. NBT Bancorp Inc. Form 10-Q for the quarter ended June 30, 2026 — NBT Bancorp (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/790359/000114036126031820/ef20075500_10q.htm
66. Customers Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Customers Bancorp (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm
67. Customers Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Customers Bancorp (SEC filings), May 8, 2026. https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm
68. OceanFirst Financial Corp. Form 10-Q for the quarterly period ended June 30, 2026 — OceanFirst Financial Corp. (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm
69. OceanFirst Financial Corp. Form 10-Q for the quarterly period ended March 31, 2026 — OceanFirst Financial Corp. (SEC filings), May 1, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm
70. Dime Commercial Bancshares, Inc. Form 10-Q for the quarter ended June 30, 2026 — Dime Commercial Bancshares (SEC filing), Jul 31, 2026. https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm
71. Dime Community Bancshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — Dime Community Bancshares (SEC filing), Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm
72. NBT Bancorp Inc. Q2 2026 Earnings Call Summary — Moby via Yahoo Finance, Jul 28, 2026. https://finance.yahoo.com/markets/stocks/articles/nbt-bancorp-inc-q2-2026-123000382.html
73. Earnings call transcript: Customers Bancorp posts strong Q2 2026 growth — Investing.com, Jul 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021
74. ConnectOne Bancorp, Inc. Reports Second Quarter 2026 Results — ConnectOne Bancorp (GlobeNewswire), Jul 23, 2026. https://www.globenewswire.com/news-release/2026/07/23/3331988/25238/en/ConnectOne-Bancorp-Inc-Reports-Second-Quarter-2026-Results.html
75. ConnectOne Bancorp, Inc. Form 10-K for the fiscal year ended December 31, 2025 — ConnectOne Bancorp (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/712771/000143774926005320/cnob20251231c_10k.htm
76. Earnings call transcript: Customers Bancorp Q4 2025 shows strong growth — Investing.com, Jan 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-q4-2025-shows-strong-growth-93CH-4463251
77. Customers Bank's Dynamic AI Strategy — ICBA (Independent Banker), Jul 15, 2024. https://icba.org/w/customers-bank-s-dynamic-ai-strategy
78. OceanFirst Financial Corp. Definitive Proxy Statement (DEF 14A) for the 2026 annual meeting — OceanFirst Financial Corp. (SEC filings), Apr 27, 2026. https://www.sec.gov/Archives/edgar/data/1004702/000130817926000348/ocfc015252-def14a.htm
79. ConnectOne rolls out nCino AI agents across commercial lending — FinTech Futures, Jul 16, 2026. https://fintechfutures.com/ai-in-fintech/connectone-rolls-out-ncino-ai-agents-across-commercial-lending
80. Valley National Bancorp second quarter 2026 earnings release (Form 8-K, Exhibit 99.1) — Valley National Bancorp (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/exhibit991earningsrelease0.htm
81. Earnings call transcript: Dime Commercial posts record Q2 2026 revenue — Investing.com, Jul 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-dime-commercial-posts-record-q2-2026-revenue-93CH-4809039
82. Earnings call transcript: ServisFirst Bancorp tops revenue in Q2 2026, shares rise — Investing.com, Jul 20, 2026. https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767
83. Flagstar Bank, N.A. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Flagstar Bank (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm
84. nSight 2026 Recap: AI in Banking Moves from Strategy to Delivery — nCino, May 29, 2026. https://ncino.com/en-EMEA/blog/nsight-2026-recap
85. The Most Powerful Women in Banking NEXT No.14, Ali Mattera, ConnectOne Bank — American Banker, Sep 10, 2025. https://www.americanbanker.com/news/2025-next-no-14-ali-mattera-connectone-bank
86. Do you know what Gen AI is saying about your bank? — American Banker, Feb 24, 2026. https://www.americanbanker.com/news/do-you-know-what-gen-ai-is-saying-about-your-bank

---

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