# Customers Bancorp vs peers: AI and technology compared

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

*Part of the [Customers Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/customers). Peer group: Western Alliance Bancorporation, Axos Financial, Live Oak Bancshares, Texas Capital Bancshares, The Bancorp, Inc., Merchants Bancorp, F.N.B. Corporation, Fulton Financial Corporation, BankUnited.*

## 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. ([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), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [J.P. Morgan Payments](https://www.jpmorgan.com/payments/newsroom/harvard-business-school-case-study-kinexys))

## Where does Customers Bank lead its peers on AI?

- **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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- **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. ([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), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506))
- **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. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html), [Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090))
- **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. ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [Fortune](https://fortune.com/2026/04/28/ceo-of-customers-bank-sam-sidhu-ai-clone-lead-earnings-call-mark-zuckerberg-building-digital-twin/))

## Where does Customers Bank trail its peers on AI?

- **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. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [American Banker](https://digital-banking.americanbanker.com/profile/carlos-coto), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer))
- **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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [The Bancorp, Inc. (SEC filing)](https://www.sec.gov/Archives/edgar/data/1295401/000129540126000004/tbbk-20260331x10q.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm))
- **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. ([American Banker](https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees))
- **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. ([Federal Reserve Board](https://federalreserve.gov/newsevents/pressreleases/files/enf20240808a1.pdf), [Banking Dive](https://bankingdive.com/news/customers-bank-ceo-sidhu-lessons-fed-enforcement-action-digital-assets-risk/758239), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Customers Bancorp (this page)](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)) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | [63.5](https://www.bankingnewsai.com/banks/ai-index) | #44 of 120 | [7](https://www.bankingnewsai.com/banks/bankunited#sources) | [26](https://www.bankingnewsai.com/banks/bankunited#sources) | [10 of 15](https://www.bankingnewsai.com/banks/bankunited#where) | [19](https://www.bankingnewsai.com/banks/bankunited#timeline) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [Axos Financial](https://www.bankingnewsai.com/banks/axos) | [56.7](https://www.bankingnewsai.com/banks/ai-index) | #50 of 120 | [8](https://www.bankingnewsai.com/banks/axos#sources) | [16](https://www.bankingnewsai.com/banks/axos#sources) | [10 of 12](https://www.bankingnewsai.com/banks/axos#where) | [17](https://www.bankingnewsai.com/banks/axos#timeline) | Enterprise AI programme, OutSystems Agent Workbench and Arc ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology)) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | [53.1](https://www.bankingnewsai.com/banks/ai-index) | #54 of 120 | [10](https://www.bankingnewsai.com/banks/live-oak#sources) | [15](https://www.bankingnewsai.com/banks/live-oak#sources) | [6 of 10](https://www.bankingnewsai.com/banks/live-oak#where) | [16](https://www.bankingnewsai.com/banks/live-oak#timeline) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | [21.3](https://www.bankingnewsai.com/banks/ai-index) | #96 of 120 | [5](https://www.bankingnewsai.com/banks/the-bancorp#sources) | [6](https://www.bankingnewsai.com/banks/the-bancorp#sources) | [4 of 10](https://www.bankingnewsai.com/banks/the-bancorp#where) | [15](https://www.bankingnewsai.com/banks/the-bancorp#timeline) | Not disclosed |
| [Merchants Bancorp](https://www.bankingnewsai.com/banks/merchants-indiana) | [1.8](https://www.bankingnewsai.com/banks/ai-index) | #118 of 120 | [3](https://www.bankingnewsai.com/banks/merchants-indiana#sources) | [14](https://www.bankingnewsai.com/banks/merchants-indiana#sources) | [10 of 12](https://www.bankingnewsai.com/banks/merchants-indiana#where) | [10](https://www.bankingnewsai.com/banks/merchants-indiana#timeline) | Not disclosed |

## 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 Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 13 | 6 | [Customers Bank (13)](https://www.bankingnewsai.com/banks/customers) | 1st of 10 |
| Use cases in production (10%) | 11 | 10 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 2nd of 10 |
| Own primary disclosures (10%) | 20 | 16 | [BankUnited (26)](https://www.bankingnewsai.com/banks/bankunited) | 4th of 10 |
| Dated moves, last 12 months (10%) | 23 | 17 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 1st of 10 |
| Disclosed numbers (5%) | 23 | 13 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 1st of 10 |
| Named AI leaders (5%) | 7 | 8 | [Western Alliance (12)](https://www.bankingnewsai.com/banks/western-alliance) | 8th of 10 |
| Use cases described (5%) | 16 | 12 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 2nd of 10 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [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) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [Axos Financial](https://www.bankingnewsai.com/banks/axos) | Enterprise AI programme, OutSystems Agent Workbench and Arc ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx), [American Banker](https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology)) | [11, incl. Gregory Garrabrants (President and CEO)](https://www.bankingnewsai.com/banks/axos#people) ([Axos Financial (Business Wire)](https://businesswire.com/news/home/20260730727486/en/Axos-Financial-Inc.-Reports-Fiscal-Year-2026-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html)) | Share of committed code written by AI: 90% (Apr 30, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html)) | 4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240098082A1/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/axos#roles) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) | [8, incl. James S. (Chip) Mahan III (Chairman and CEO)](https://www.bankingnewsai.com/banks/live-oak#people) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/22/3331734/36594/en/Live-Oak-Bancshares-Inc-Reports-Second-Quarter-2026-Results.html)) | Employee-built AI agents: More than 300 (Apr 23, 2026) ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q1-123000818.html)) | 2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250370791A1/en)) | Not surveyed |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | Not disclosed | Not surveyed |
| [The Bancorp, Inc.](https://www.bankingnewsai.com/banks/the-bancorp) | Not disclosed | [4, incl. Damian Kozlowski (Chief Executive Officer)](https://www.bankingnewsai.com/banks/the-bancorp#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q4-2025-misses-eps-forecast-stock-drops-93CH-4476230), [The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) | 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) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) | Not disclosed | [2 open AI roles (Oct 5, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/the-bancorp#roles) |
| [Merchants Bancorp](https://www.bankingnewsai.com/banks/merchants-indiana) | Not disclosed | [4, incl. Michael F. Petrie (Chairman and CEO)](https://www.bankingnewsai.com/banks/merchants-indiana#people) ([Merchants Bancorp (PR Newswire)](https://prnewswire.com/news-releases/merchants-bancorp-reports-second-quarter-of-2026-results-302836726.html)) | Employees: 735 (424 in central Indiana) at year-end 2025; 663 in 2024; 618 in 2023 (Dec 31, 2025) ([Merchants Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1629019/000110465926021549/mbin-20251231x10k.htm), [Merchants Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1629019/000155837025001941/mbin-20241231x10k.htm), [Merchants Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1629019/000155837024003005/mbin-20231231x10k.htm)) | Not disclosed | [1 open AI roles (Oct 14, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/merchants-indiana#roles) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#roles) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [11, incl. Rajinder Singh (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/bankunited#people) ([BankUnited](https://ir.bankunited.com/node/13726/pdf)) | Not disclosed | Not disclosed | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 8, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Glia names Live Oak a Catalyst Awards Pacesetter ([Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| Sep 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 24, 2026 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | Proxy: Technology Committee chair named; Axos Clearing head retired ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000073/ax-20260924.htm)) |
| Sep 21, 2026 | [Axos Bank](https://www.bankingnewsai.com/banks/axos) | Capital One IRA acquisition closes ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1299709/000129970926000066/ax-20260921.htm)) |
| Sep 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 8, 2026 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | Chime says it will buy a bank of its own ([American Banker](https://americanbanker.com/payments/news/how-the-banking-as-a-service-model-is-changing)) |
| Sep 4, 2026 | [The Bancorp](https://www.bankingnewsai.com/banks/the-bancorp) | Apex 2030 restructuring: 64 jobs cut, more automation and AI ([The Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/bancorp-advances-apex-2030-continued-200500324.html)) |
| Aug 27, 2026 | [Merchants Bank of Indiana](https://www.bankingnewsai.com/banks/merchants-indiana) | Blue Sage reports 200%+ jumbo correspondent volume growth ([Blue Sage Solutions](https://bluesageusa.com/news/merchants-bank-grows-jumbo-correspondent-lending-volume-over-200-with-blue-sage)) |
| Aug 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 7, 2026 | [Merchants Bank of Indiana](https://www.bankingnewsai.com/banks/merchants-indiana) | Second-quarter 2026 10-Q has no AI language ([Merchants Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1629019/000110465926092702/mbin-20260630x10q.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 6, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| Aug 5, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm)) |
| Aug 4, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Q2 10-Q lists AI deployment risk among forward-looking factors ([Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000058/lob-20260630.htm)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| 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 22, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 call: staying out of data-centre lending ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html)) |

## 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.

| Bank | Agents and tools | Adoption and savings disclosed | Date |
| --- | --- | --- | --- |
| Customers | 600+ agents including custom GPTs; OpenAI on site; ElevenLabs conversational agents | 100% of staff licensed; 46,000+ hours saved (self-reported survey); about 50% of code written by AI | April to July 2026 ([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), [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), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html)) |
| Western Alliance | Enterprise AI program with Microsoft Copilot | 150,000+ hours saved; $10 million+ productivity value; 15 AI use cases identified | May and September 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Axos | Enterprise AI assistant; OutSystems Agent Workbench; Arc acquisition | About 90% of committed code from AI; 500+ assistant users | April and July 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [OutSystems (Business Wire)](https://businesswire.com/news/home/20250930527578/en/OutSystems-Announces-General-Availability-of-Agent-Workbench-Empowering-Enterprises-to-Drive-Business-Impact-with-Agentic-Systems), [Axos Financial](https://investors.axosfinancial.com/news-events/press-releases/news-details/2026/Axos-Financial-Inc--to-Acquire-Arc-Technologies-Inc-/default.aspx)) |
| Live Oak | Casca AI loan origination for Live Oak Express; Claude Enterprise pilot | 640+ agents and skills built by staff; 100% of employees with AI tools | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) |
| Texas Capital | Ranger, an in-house multi-LLM platform; agents in loan operations and fraud | 280 agents built by about 64 employees; about 80% of employees on Ranger | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| The Bancorp | AI-supported narrative writing in financial crimes | $300,000 invested; about $1.5 million of run-rate expense expected to be avoided | October 2025 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-the-bancorp-q3-2025-misses-eps-forecast-revenue-beats-93CH-4324073)) |
| F.N.B. | AI Innovation Team; AI-enabled fraud tools; Insight 360 | 10 AI-enabled fraud tools | November 2025 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) |
| Merchants | None disclosed; AI in 10-K risk factors only | Not disclosed | February 2026 ([Merchants Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1629019/000110465926021549/mbin-20251231x10k.htm)) |

## 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.

| Bank | Program | Result disclosed | Date |
| --- | --- | --- | --- |
| Customers | Multi-agent credit underwriting for C&I and CRE loans | Some loans closed within a week; target seven-day close, from 30 to 60 days; readiness to close cut 85% in pilot | July 2026 ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| Live Oak | Live Oak Express on Casca's AI origination platform, for SBA 7(a) loans under $350,000 | Originations up 63% to $82 million in Q2 2026; target at least $750 million a year | July 2026 ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending)) |
| Western Alliance | AI-assisted lending redesign | Lending cycle time −25% (internal projection) | May 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| Axos | Agent that extracts covenants from commercial loan agreements for attorney review | Not disclosed | July 2025 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-financial-ax-q4-2025-032614266.html)) |
| Texas Capital | AI in credit reviews; credit agents planned after loan-operations agents | Not disclosed | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/23/texas-capital-tcbi-q1-2026-earnings-transcript)) |

## 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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000029/cubi-20251231.htm), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [Customers Bank](https://customersbank.com/digital-payments), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm))

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. ([J.P. Morgan Payments](https://www.jpmorgan.com/payments/newsroom/harvard-business-school-case-study-kinexys), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000029/cubi-20251231.htm))

## 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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [American Banker](https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud))

### 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. ([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), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html))

### 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/axos-ax-q3-2026-earnings-223633142.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-axos-beats-q4-2026-estimates-as-shares-rise-after-hours-93CH-4826506), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html))

### 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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html))

### 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. ([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), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### 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. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [American Banker](https://digital-banking.americanbanker.com/profile/carlos-coto), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000015/a991cubipressrelease0126.htm))

### 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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))

## Peers on this site

- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [Axos Financial AI strategy](https://www.bankingnewsai.com/banks/axos) · [vs peers](https://www.bankingnewsai.com/banks/axos/vs-peers)
- [Live Oak Bancshares AI strategy](https://www.bankingnewsai.com/banks/live-oak) · [vs peers](https://www.bankingnewsai.com/banks/live-oak/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [The Bancorp, Inc. AI strategy](https://www.bankingnewsai.com/banks/the-bancorp) · [vs peers](https://www.bankingnewsai.com/banks/the-bancorp/vs-peers)
- [Merchants Bancorp AI strategy](https://www.bankingnewsai.com/banks/merchants-indiana) · [vs peers](https://www.bankingnewsai.com/banks/merchants-indiana/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)

## Sources

1. 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
2. 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
3. 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
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31. Western Alliance Bank Launches WA VenueX — Always-On Institutional Liquidity Hub and Financial Platform for the On-Chain Economy — Business Wire via FT Markets, Jul 24, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1
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39. F.N.B. Corporation Further Expands eStore Common Application Capabilities with Introduction of Business Loan Products — PR Newswire via FT Markets, Mar 10, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1
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42. Axos to buy San Francisco fintech and its AI technology — American Banker, Jul 7, 2026. https://www.americanbanker.com/news/axos-to-buy-san-francisco-fintech-and-its-ai-technology
43. Live Oak Ventures Participates in Financing of Cascading AI, Inc. — Live Oak Bancshares (GlobeNewswire), Aug 19, 2025. https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html
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45. How AI is quickly overhauling one segment of SBA lending — American Banker, Apr 28, 2026. https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending
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