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Customers Bancorp vs peers
AI and technology compared

Last updated Oct 19, 2026 · 9 peers · 92 sources cited

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

On this site's AI disclosure index Customers scores 75.5 (#29 of 120 US banks), first in a ten-bank group of commercial and specialty banks. Western Alliance (71.8) is next, ahead of BankUnited (63.5), F.N.B. (60.2), Axos (56.7) and Texas Capital (49.1). It leads on counted results. Its July 2026 deck reports more than 600 agents deployed, more than 46,000 hours saved by its own survey, 100% of staff licensed for AI and a 40-person AI mobilization team. It also announced a multiyear strategic collaboration with OpenAI on April 27, 2026 that puts OpenAI teams on site. On the second-quarter call it said multi-agent underwriting closed some loans within a week and AI KYC screening lifted productivity 50%. CEO Sam Sidhu ties this to a target: an efficiency ratio in the low 40s in 2027, from about 50%. Peers are close on some measures. Axos says about 90% of its committed code is written by AI, against about 50% at Customers. Live Oak's staff have built more than 640 agents and skills. Western Alliance reports 150,000+ hours saved and $10 million+ of productivity value. Customers trails on governance disclosure. It places eighth of ten on named AI leaders, and its 2026 10-Qs contain no AI language even as its decks and calls are full of it. It also runs a payments network peers mostly lack: cubiX has carried more than $5 trillion of cumulative volume, comparable to the over $4 trillion J.P. Morgan reports on Kinexys since inception.[1][2][3][4][5][6][7][8][9][10][11]

Data as of Oct 19, 2026 · Customers Bank profile updated Oct 16, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Customers Bank lead its peers on AI?

01

The most disclosed AI numbers in the group

Customers scores 23 on disclosed numbers, first of ten (median 15): 600+ agents, 46,000+ hours saved (about 24 FTEs), 100% of staff licensed, a 40-person mobilization team, KYC productivity up 50% and month-end close 60% shorter (Q2 2026). Texas Capital, also tech-forward, reported 280 agents built by about 64 employees in April 2026.[1][3][12]

02

An on-site frontier-model partnership no peer matches

Customers' April 2026 agreement with OpenAI places OpenAI technical teams on site to build custom AI for lending, deposits and payments; Sidhu said the bank may co-create tools OpenAI could sell to other banks. Live Oak is piloting Claude Enterprise with 150 'Claude super users', and Axos is buying Arc for its first client-facing AI product.[2][5][7][13]

03

AI tied to a dated efficiency target

Sidhu has said the efficiency ratio should fall from about 50% to a low-40% run-rate in 2027, and the shareholder letter says AI is measured 'in cycle time, cost per transaction, and error rates'. Western Alliance's CEO said in July 2026 that AI so far shows 'just benefits around the edges', and in September that no AI return is yet built into its plans.[4][5][14][15][16]

04

The most independent coverage in the group

Customers scores 13 on independent sources, tied for first with Western Alliance. Its AI work has been covered by American Banker, CNBC and Fortune, including an AI clone of the CEO speaking on the April 2026 earnings call. The Bancorp scores 5 and Merchants 3.[17][5][18]

Where it trails

Where does Customers Bank trail its peers on AI?

01

Few named AI leaders for a bank this far in

Customers places eighth of ten on named AI leaders: Sidhu says he personally leads the program, with chief strategy and innovation officer Carlos Coto. Western Alliance names a CIO who presented its AI results at investor day, and Texas Capital hired a chief digital and information officer in July 2026 whose remit includes AI enablement.[3][19][8][20]

02

AI absent from its quarterly filings

Customers' first- and second-quarter 2026 10-Qs contain no reference to AI or OpenAI, although its decks and calls are built around it. The Bancorp's 10-Qs say it continues to invest in 'artificial intelligence tools to gain efficiency', and Texas Capital's 2026 proxy describes an AI governance program with a dedicated working group.[21][9][22][23]

03

Fewer AI use cases in production than Western Alliance

Customers places second on use cases in production, with 11 against Western Alliance's 16. Western Alliance's Triangle of Fraud Protection prevented more than 800 million fraudulent class-action claims in 2024, a deployed AI system with a counted result that won American Banker's Innovation of the Year.[24][25]

04

A regulatory overhang peers do not carry

The Federal Reserve's Written Agreement with Customers, dated August 5, 2024, covers BSA/AML, customer due diligence, OFAC screening and digital-asset risk management. Sidhu put the remediation cost at $10 million to $15 million in August 2025. AI KYC screening and OFAC false-positive clearing were in pilot in July 2026.[26][27][10]

AI index

Where does Customers Bank rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Customers Bancorp (this page)75.5#29 of 120132011 of 1623OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[2][17][28][10]
Western Alliance Bancorporation71.8#32 of 120131416 of 1718Triangle of Fraud Protection and the enterprise AI programme[29][30][25][31]
BankUnited63.5#44 of 12072610 of 1519SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[32][33][34][35][36]
F.N.B. Corporation60.2#47 of 1206259 of 1521eStore, the Common app and FNB's data hub[37][38][39]
Axos Financial56.7#50 of 12081610 of 1217Enterprise AI programme, OutSystems Agent Workbench and Arc[6][40][41][42]
Live Oak Bancshares53.1#54 of 12010156 of 1016Casca AI loan origination (Live Oak Express)[43][44][45][46]
Texas Capital Bancshares49.1#60 of 1206178 of 1221Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[47][20][48][12]
Fulton Financial Corporation44.3#66 of 12062310 of 1217Not disclosed
The Bancorp, Inc.21.3#96 of 120564 of 1015Not disclosed
Merchants Bancorp1.8#118 of 12031410 of 1210Not disclosed
Component by component

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

Each row is one input of the index, counted on the profiles of Customers Bank and the 9 peers that are scored on the same basis. "Place" is Customers Bank's position in the group of 10 (1st = most).

Component (weight)Customers BankPeer medianMost in the groupPlace
Independent sources (45%)136Customers Bank (13)1st of 10
Use cases in production (10%)1110Western Alliance (16)2nd of 10
Own primary disclosures (10%)2016BankUnited (26)4th of 10
Dated moves, last 12 months (10%)2317Customers Bank (23)1st of 10
Disclosed numbers (5%)2313Customers Bank (23)1st of 10
Named AI leaders (5%)78Western Alliance (12)8th of 10
Use cases described (5%)1612Western Alliance (17)2nd of 10
Head to head

What has each bank in Customers Bank's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Customers BancorpOpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[2][17][28][10]7, incl. Sam Sidhu (President and CEO, Customers Bancorp)[17][10][49][14]Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026)[17]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Western Alliance BancorporationTriangle of Fraud Protection and the enterprise AI programme[29][30][25][31]12, incl. Ken Vecchione (Chairman)[50][51][15]Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026)[8]Not disclosed5 open AI roles (Sep 24, 2026); most in AI engineering
Axos FinancialEnterprise AI programme, OutSystems Agent Workbench and Arc[6][40][41][42]11, incl. Gregory Garrabrants (President and CEO)[52][6]Share of committed code written by AI: 90% (Apr 30, 2026)[6]4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family)[53]9 open AI roles (Oct 1, 2026); most in AI engineering
Live Oak BancsharesCasca AI loan origination (Live Oak Express)[43][44][45][46]8, incl. James S. (Chip) Mahan III (Chairman and CEO)[43][54]Employee-built AI agents: More than 300 (Apr 23, 2026)[55]2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine)[56]Not surveyed
Texas Capital BancsharesCloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[47][20][48][12]8, incl. Rob C. Holmes (President and CEO)[47][57]Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026)[12]Not disclosedNot surveyed
The Bancorp, Inc.Not disclosed4, incl. Damian Kozlowski (Chief Executive Officer)[58][59][60]First AI use case: investment and expected cost avoidance: $300,000 invested; about $1.5 million of run-rate expense expected to be avoided (Oct 31, 2025)[60]Not disclosed2 open AI roles (Oct 5, 2026); most in AI product & strategy
Merchants BancorpNot disclosed4, incl. Michael F. Petrie (Chairman and CEO)[61]Employees: 735 (424 in central Indiana) at year-end 2025; 663 in 2024; 618 in 2023 (Dec 31, 2025)[62][63][64]Not disclosed1 open AI roles (Oct 14, 2026); most in AI product & strategy
F.N.B. CorporationeStore, the Common app and FNB's data hub[37][38][39]9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)[37][38]AI-enabled fraud tools: 10 (Nov 5, 2025)[65]Not disclosed5 open AI roles (Oct 1, 2026); most in AI product & strategy
Fulton Financial CorporationNot disclosed8, incl. Curt Myers (Chairman, CEO and President)[66][67]Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024)[68]1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods)[69]Not surveyed
BankUnitedSAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[32][33][34][35][36]11, incl. Rajinder Singh (Chairman, President and CEO)[70]Not disclosedNot disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of Customers Bank and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 8, 2026Live OakGlia names Live Oak a Catalyst Awards Pacesetter[71]
Sep 30, 2026FultonContact-centre manager describes Fulton's AI journey with NICE[72]
Sep 24, 2026FultonSalesforce cites Fulton's Agentforce rollout at Dreamforce[73]
Sep 24, 2026Axos BankProxy: Technology Committee chair named; Axos Clearing head retired[74]
Sep 21, 2026Axos BankCapital One IRA acquisition closes[75]
Sep 16, 2026Texas CapitalChief risk officer departs; chief credit officer steps in[76]
Sep 16, 2026Western AllianceBarclays conference: 15 AI use cases, top five for 2027[16]
Sep 16, 2026Western AllianceAI team first used to defend against Mythos[16]
Sep 8, 2026The BancorpChime says it will buy a bank of its own[77]
Sep 4, 2026The BancorpApex 2030 restructuring: 64 jobs cut, more automation and AI[59]
Aug 27, 2026Merchants Bank of IndianaBlue Sage reports 200%+ jumbo correspondent volume growth[78]
Aug 17, 2026FNB16th for customer reputation[79]
Aug 7, 2026Merchants Bank of IndianaSecond-quarter 2026 10-Q has no AI language[80]
Aug 7, 2026Customers BankQ2 2026 10-Q: no AI language[9][21]
Aug 6, 2026BankUnitedQ2 2026 10-Q has no AI discussion[81]
Aug 5, 2026FNBQ2 2026 10-Q: same AI language as the first quarter[82]
Aug 4, 2026Live OakQ2 10-Q lists AI deployment risk among forward-looking factors[83]
Jul 29, 2026Texas CapitalSecond attempt to redomicile to Texas planned[84]
Jul 24, 2026Customers BankQ2 2026 call: underwriting, KYC and close-cycle results[3]
Jul 22, 2026BankUnitedQ2 2026 call: staying out of data-centre lending[85]
AI at scale in the group

How does Customers' AI adoption compare with its peers' counted figures?

The agents, users and savings each bank has put on the record, with the date. Self-reported and vendor-reported figures are marked. A blank means nothing is disclosed.

BankAgents and toolsAdoption and savings disclosedDate
Customers600+ agents including custom GPTs; OpenAI on site; ElevenLabs conversational agents100% of staff licensed; 46,000+ hours saved (self-reported survey); about 50% of code written by AIApril to July 2026[1][2][86][5]
Western AllianceEnterprise AI program with Microsoft Copilot150,000+ hours saved; $10 million+ productivity value; 15 AI use cases identifiedMay and September 2026[8][16]
AxosEnterprise AI assistant; OutSystems Agent Workbench; Arc acquisitionAbout 90% of committed code from AI; 500+ assistant usersApril and July 2026[6][40][41]
Live OakCasca AI loan origination for Live Oak Express; Claude Enterprise pilot640+ agents and skills built by staff; 100% of employees with AI toolsJuly 2026[7][46]
Texas CapitalRanger, an in-house multi-LLM platform; agents in loan operations and fraud280 agents built by about 64 employees; about 80% of employees on RangerApril 2026[12]
The BancorpAI-supported narrative writing in financial crimes$300,000 invested; about $1.5 million of run-rate expense expected to be avoidedOctober 2025[60]
F.N.B.AI Innovation Team; AI-enabled fraud tools; Insight 36010 AI-enabled fraud toolsNovember 2025[65]
MerchantsNone disclosed; AI in 10-K risk factors onlyNot disclosedFebruary 2026[62]
AI in lending

How does Customers' AI in lending compare with its peers'?

Lending is where most of the group's AI results sit. Each row is a disclosed program with its stated result.

BankProgramResult disclosedDate
CustomersMulti-agent credit underwriting for C&I and CRE loansSome loans closed within a week; target seven-day close, from 30 to 60 days; readiness to close cut 85% in pilotJuly 2026[4][3][10]
Live OakLive Oak Express on Casca's AI origination platform, for SBA 7(a) loans under $350,000Originations up 63% to $82 million in Q2 2026; target at least $750 million a yearJuly 2026[46][45]
Western AllianceAI-assisted lending redesignLending cycle time −25% (internal projection)May 2026[8]
AxosAgent that extracts covenants from commercial loan agreements for attorney reviewNot disclosedJuly 2025[87]
Texas CapitalAI in credit reviews; credit agents planned after loan-operations agentsNot disclosedApril 2026[12][88]
Payment rails

How does Customers' cubiX network compare with other banks' always-on payment rails?

cubiX is Customers' proprietary B2B instant-payments platform, built in-house and launched in November 2024; the 10-K says it does not run on a blockchain or use tokens, replacing the earlier blockchain-based CBIT. Cumulative network volume passed $5 trillion by the second quarter of 2026. Its payments page offers an MCP server so large language models can reach the payment rails, and the bank targets nearly 2 billion client API requests through a cubiX agentic interface by year-end 2026.[89][10][90][1]

Two banks run comparable rails. J.P. Morgan reports about $7 billion a day and over $4 trillion since inception on Kinexys, its blockchain payments unit (August 2026). Western Alliance formally launched WA VenueX in July 2026, offering 24/7 dollar settlement for digital-asset institutions. Customers' 10-K notes that many of its largest deposit relationships are concentrated in the digital-asset industry.[11][31][89]

The peer group

Which banks are Customers Bank's peers, and why these?

Customers Bancorp is compared here with Western Alliance Bancorporation, Axos Financial, Live Oak Bancshares, Texas Capital Bancshares, The Bancorp, Inc., Merchants Bancorp, F.N.B. Corporation, Fulton Financial Corporation and BankUnited: chosen by the editors for this page (see the note below the table). Customers Bancorp is classed as a commercial and business bank in the Northeast.

The computed group mixed in community banks from New Jersey, Massachusetts and Indiana; this group holds the commercial and specialty-lending banks with tech-led or fintech-linked models that Customers resembles, six of which (Axos, Live Oak, Merchants, F.N.B., Fulton and BankUnited) sit in its own refreshed 2026 compensation peer group, plus Western Alliance, Texas Capital and The Bancorp for digital-asset, corporate and fintech-partner banking.

Common questions

Is Customers Bank better than Western Alliance at AI?

The record cannot settle capability, but Customers has put slightly more on it: 75.5 on this site's disclosure index against Western Alliance's 71.8. Customers leads on counted adoption (600+ agents, 100% of staff licensed). Western Alliance leads on production use cases, including a fraud-screening system that stopped more than 800 million fraudulent claims in 2024.[1][24]

What is Customers Bank's partnership with OpenAI?

Announced on April 27, 2026, it is a multiyear strategic collaboration that places OpenAI technical teams on site to build custom AI across lending, deposits and payments. Customers had used ChatGPT Enterprise since 2023. Sidhu told CNBC both sides contribute resources and that the bank may co-create enterprise tools OpenAI could sell to other banks.[2][17][5]

How does Customers compare with Axos on AI?

Customers scores 75.5 on the disclosure index and Axos 56.7. Axos says about 90% of its committed code is written by AI and is buying Arc for its first client-facing AI product. Customers says AI writes about half its code but discloses more on adoption and lending results, such as loans closed within a week by multi-agent underwriting.[6][13][5][4]

How does Customers compare with Live Oak on AI?

Customers scores 75.5 and Live Oak 53.1. Both have given AI tools to every employee and count staff-built agents: more than 600 at Customers and more than 640 agents and skills at Live Oak (July 2026). Live Oak's clearest product result is Live Oak Express, whose AI-originated SBA loans rose 63% to $82 million in the second quarter.[1][7][46]

Does Customers Bank have an AI assistant for customers?

It is building them. In June 2026 Customers announced ElevenLabs conversational agents for voice and digital service, real-time assist for relationship managers and conversational account opening. Sidhu has said commercial account opening should fall from more than a day to under 20 minutes. Bank of America's Erica, by comparison, helps more than 24.6 million clients.[86][5][91]

Who leads AI at Customers Bank?

CEO Sam Sidhu says he personally leads the AI transformation and runs a 40-person mobilization team, about 5% of the workforce. Chief strategy and innovation officer Carlos Coto built the AI governance framework and structured the partnerships, and chief operating officer Steve Wyremski joined in January 2026 after leading finance and data modernization.[3][19][92]

How much has AI saved Customers Bank?

By its own survey, more than 46,000 hours by mid-2026, which management equated to about 24 FTEs, up from about 15 FTEs (28,000 hours) in the first quarter. It also reports a 50% productivity gain in AI KYC screening and a 60% shorter month-end close. Western Alliance reports 150,000+ hours saved on a larger base.[1][3][17][8]

Peers on this site
Western Alliance AI strategy →How Western Alliance Bancorporation compares with its peers →Axos Bank AI strategy →How Axos Financial compares with its peers →Live Oak Bank AI strategy →How Live Oak Bancshares compares with its peers →Texas Capital AI strategy →How Texas Capital Bancshares compares with its peers →The Bancorp Bank AI strategy →How The Bancorp, Inc. compares with its peers →Merchants Bank of Indiana AI strategy →How Merchants Bancorp compares with its peers →FNB AI strategy →How F.N.B. Corporation compares with its peers →Fulton AI strategy →How Fulton Financial Corporation compares with its peers →BankUnited AI strategy →How BankUnited compares with its peers →
Deeper on Customers Bank
Customers Bank AI strategy: the full profile →Customers Bancorp competitors and alternatives →Customers Bank AI profile →Customers Bank competitors and alternatives →Western Alliance AI profile →Bank AI index →OpenAI ChatGPT Enterprise at banks →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
  1. Customers Bancorp Q2 2026 Investor Presentation (Form 8-K, Exhibit 99.2)
    Customers Bancorp (SEC filings) · Jul 23, 2026
  2. Customers Bank Announces Strategic Collaboration with OpenAI to Redefine the Commercial Banking Operating Model
    Customers Bank (Business Wire) · Apr 27, 2026
  3. Earnings call transcript: Customers Bancorp posts strong Q2 2026 growth
    Investing.com · Jul 24, 2026
  4. Customers Bancorp Q2 Earnings Call Highlights
    MarketBeat via Yahoo Finance · Jul 24, 2026
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    Customers Bancorp (SEC filings) · Aug 7, 2026
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  73. Five Big Ideas Coming Out of Dreamforce 2026
    Salesforce · Sep 24, 2026
  74. Axos Financial, Inc. Proxy Statement (DEF 14A) for the 2026 annual meeting
    SEC EDGAR · Sep 24, 2026
  75. Axos Financial, Inc. Form 8-K (Item 2.01: completion of the Capital One IRA deposit acquisition)
    SEC EDGAR · Sep 21, 2026
  76. Form 8-K: departure of Chief Risk Officer (Item 5.02)
    SEC EDGAR · Sep 16, 2026
  77. How the banking-as-a-service model is changing
    American Banker · Sep 21, 2026
  78. Merchants Bank Grows Jumbo Correspondent Lending Volume Over 200% with Blue Sage
    Blue Sage Solutions · Aug 27, 2026
  79. Top Banks by Reputation 2026: Customers
    American Banker · Aug 17, 2026
  80. Merchants Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Merchants Bancorp (SEC filings) · Aug 7, 2026
  81. BankUnited, Inc. Quarterly Report on Form 10-Q for June 30, 2026
    SEC EDGAR · Aug 6, 2026
  82. F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    F.N.B. Corporation (SEC filings) · Aug 5, 2026
  83. Live Oak Bancshares, Inc. Form 10-Q for the quarter ended June 30, 2026
    Live Oak Bancshares (SEC filing) · Aug 4, 2026
  84. Why one bank is determined to reincorporate in Texas
    American Banker · Jul 29, 2026
  85. BankUnited, Inc. Q2 2026 Earnings Call Summary
    Yahoo Finance · Jul 23, 2026
  86. Customers Bank and ElevenLabs to Deploy AI-Powered Conversational Agents Across Customer and Employee Experiences
    Customers Bank (Business Wire) · Jun 2, 2026
  87. Axos Financial (AX) Q4 2025 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Jul 30, 2025
  88. Texas Capital (TCBI) Q1 2026 Earnings Transcript (earnings call transcript, The Motley Fool)
    The Motley Fool · Apr 23, 2026
  89. Customers Bancorp, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Customers Bancorp (SEC filings) · Feb 27, 2026
  90. Digital Payments for Business (cubiX)
    Customers Bank · Jun 10, 2026
  91. Bank of America Fast Facts (undated page, retrieved 2026-10-19)
    Bank of America Newsroom · Oct 19, 2026
  92. Customers Bank Appoints Stephen Wyremski as Chief Operating Officer (Form 8-K, Exhibit 99.1)
    Customers Bancorp (SEC filings) · Jan 26, 2026

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