# Eastern Bankshares vs peers: AI and technology compared

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

*Part of the [Eastern Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/eastern). Peer group: Independent Bank Corp. (Rockland Trust), Beacon Financial Corporation, Fulton Financial Corporation, F.N.B. Corporation, Atlantic Union Bankshares, Associated Banc-Corp, BankUnited, WaFd, Inc..*

## How does Eastern Bankshares compare with its peers on AI and technology?

On this site's AI disclosure index Eastern scores 36.3 (#81 of 120 US banks), seventh in a nine-bank group built from its own 2026 proxy peer list and the Boston-area banks. It trails BankUnited (63.5), F.N.B. (60.2), Associated (56.8), Atlantic Union (53.7), WaFd (52.3) and Fulton (44.3), and leads Rockland Trust (32.1) and Beacon (28.5), its two Boston-area rivals. Eastern's record is a claim of breadth without numbers. Its 2026 proxy lists 'Embedded AI into key systems and processes and enabled broad employee usage' among 2025 achievements, and its CEO said on April 24, 2026 that AI should help the bank anticipate customer needs and personalize recommendations. Its 2025 10-K, filed March 2, 2026, says 'the use of AI is not currently material to our operations', and Eastern names no AI tool, vendor or user count. That leaves it ninth of nine on disclosed numbers. The peers ahead of it put figures on the record. Associated's CEO cited 30 AI use cases in process and an internal build for $45,000 against an $800,000 purchase option in September 2026. Fulton reported 3,000 employees on Salesforce Agentforce agents, and F.N.B. reported 10 AI-enabled fraud tools. Against its Boston neighbors Eastern is ahead on the record. Rockland Trust budgeted three dedicated AI staff for 2026, and Beacon's 2026 quarterly filings have no AI reference. Eastern converted HarborOne's systems in February 2026, about three and a half months after closing. ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026054720/bbt-20260630.htm), [Eastern Bankshares](https://investor.easternbank.com/news/news-details/2025/CORRECTING-and-REPLACING-Eastern-Bankshares-Inc--Announces-Completion-of-HarborOne-Acquisition-And-Proration-of-Merger-Consideration/default.aspx))

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

- **Ahead of its two Boston-area rivals on the AI record.** Eastern scores 36.3 on this site's index against Rockland Trust's 32.1 and Beacon's 28.5. Its proxy reports AI embedded in key systems with broad employee usage (March 2026); Rockland budgets three dedicated AI staff for 2026, and Beacon's Q2 2026 10-Q contains no AI reference. ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026054720/bbt-20260630.htm))
- **A faster acquisition conversion than Beacon's.** Eastern closed HarborOne on November 1, 2025 and converted its core systems in February 2026, about three and a half months later. Beacon's merger of Berkshire Hills and Brookline closed on September 1, 2025, and its core conversion, first planned for November 2025, slipped to February 2026. ([Eastern Bankshares](https://investor.easternbank.com/news/news-details/2025/CORRECTING-and-REPLACING-Eastern-Bankshares-Inc--Announces-Completion-of-HarborOne-Acquisition-And-Proration-of-Merger-Consideration/default.aspx), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html), [American Banker](https://americanbanker.com/news/two-merging-boston-banks-to-rebrand-under-new-beacon-name), [earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/21/beacon-financial-bbt-q4-2025-earnings-transcript/), [Beacon Financial (PR Newswire)](https://prnewswire.com/news-releases/beacon-financial-corporation-announces-debut-of-beacon-bank-302694053.html))
- **Instant small-business credit built in-house.** Eastern's Express Business Loan, built by its Eastern Labs incubator, takes a five-minute online application and often decides instantly up to $200,000; it earned Celent's Model Bank of the Year in 2016. Beacon expanded Baker Hill's AI-enabled document classification and spreading for SBA lending in June 2026. ([Eastern Bank](https://www.easternbank.com/business-banking/business-lending/express-loan), [Eastern Bank](https://easternbank.com/celent-names-eastern-model-bank-year), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/beacon-bank-and-baker-hill-expand-long-standing-partnership-to-enhance-digital-small-business-and-sba-lending-experiences-302802028.html))

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

- **No AI numbers, while F.N.B., Fulton and Associated publish them.** Eastern scores 10 on disclosed numbers, ninth of nine (median 13.5): it gives no AI user count, use-case count or saving. F.N.B. reports about 190,000 data-mined leads a quarter, Fulton 3,000 Agentforce users, and Associated 30 AI use cases in process (September 2026). ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556))
- **AI 'not currently material', in the bank's own words.** Eastern's 2025 10-K says 'the use of AI is not currently material to our operations', and its Q2 2026 10-Q mentions AI only as an operational risk. Associated's CEO, by contrast, cited an internal AI build at $45,000 against an $800,000 purchase option and expects efficiency gains in 2027 and 2028. ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026054656/ebc-20260630.htm), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556))
- **No AI executive, while Associated and F.N.B. hired one.** Eastern's digital and technology work sits with chief digital officer Ashley Nagle Eknaian and CIO Donald Westermann, with no AI role named. Associated hired Andy Miner from U.S. Bank as senior director of AI for commercial banking (June 2026); F.N.B. added a director of AI and innovation (September 2025). ([Eastern Bank](https://www.easternbank.com/insights/eastern-chief-digital-officer-adopting-innovative-mindset), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918))
- **Little independent coverage.** Eastern scores 5 on independent sources, eighth of nine; Associated scores 11 and Atlantic Union 10, with trade-press coverage such as American Banker's account of Atlantic Union validating more than 80 million data values in its Sandy Spring conversion. ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm))

## Where does Eastern 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [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)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | [52.3](https://www.bankingnewsai.com/banks/ai-index) | #55 of 120 | [8](https://www.bankingnewsai.com/banks/wafd#sources) | [9](https://www.bankingnewsai.com/banks/wafd#sources) | [9 of 13](https://www.bankingnewsai.com/banks/wafd#where) | [18](https://www.bankingnewsai.com/banks/wafd#timeline) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) |
| [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 |
| [Eastern Bankshares (this page)](https://www.bankingnewsai.com/banks/eastern) | [36.3](https://www.bankingnewsai.com/banks/ai-index) | #81 of 120 | [5](https://www.bankingnewsai.com/banks/eastern#sources) | [20](https://www.bankingnewsai.com/banks/eastern#sources) | [9 of 13](https://www.bankingnewsai.com/banks/eastern#where) | [17](https://www.bankingnewsai.com/banks/eastern#timeline) | Not disclosed |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #86 of 120 | [3](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [20](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [3 of 10](https://www.bankingnewsai.com/banks/rockland-trust#where) | [20](https://www.bankingnewsai.com/banks/rockland-trust#timeline) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | [28.5](https://www.bankingnewsai.com/banks/ai-index) | #90 of 120 | [6](https://www.bankingnewsai.com/banks/beacon#sources) | [13](https://www.bankingnewsai.com/banks/beacon#sources) | [8 of 10](https://www.bankingnewsai.com/banks/beacon#where) | [13](https://www.bankingnewsai.com/banks/beacon#timeline) | Not disclosed |

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

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

| Component (weight) | Eastern Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 6.5 | [Associated (11)](https://www.bankingnewsai.com/banks/associated) | 8th of 9 |
| Use cases in production (10%) | 9 | 8.5 | [Fulton (10)](https://www.bankingnewsai.com/banks/fulton) | 3rd of 9 |
| Own primary disclosures (10%) | 20 | 19.5 | [BankUnited (26)](https://www.bankingnewsai.com/banks/bankunited) | 4th of 9 |
| Dated moves, last 12 months (10%) | 17 | 18.5 | [FNB (21)](https://www.bankingnewsai.com/banks/fnb) | 6th of 9 |
| Disclosed numbers (5%) | 10 | 13.5 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 9th of 9 |
| Named AI leaders (5%) | 7 | 8 | [Associated (12)](https://www.bankingnewsai.com/banks/associated) | 7th of 9 |
| Use cases described (5%) | 13 | 12 | [FNB (15)](https://www.bankingnewsai.com/banks/fnb) | 3rd of 9 |

## What has each bank in Eastern 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 |
| --- | --- | --- | --- | --- | --- |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | Not disclosed | [7, incl. Denis Sheahan (Chief Executive Officer)](https://www.bankingnewsai.com/banks/eastern#people) ([American Banker](https://americanbanker.com/news/eastern-swears-off-m-a-amid-activist-investors-pressure), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html)) | Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (Apr 1, 2026) ([Eastern Bank (Boston Business Journal)](https://bizjournals.com/boston/news/2026/04/01/building-future-insights-middle-market-business.html)) | Not disclosed | Not surveyed |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) | [5, incl. Jeffrey Tengel (Chief Executive Officer)](https://www.bankingnewsai.com/banks/rockland-trust#people) ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html)) | Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/rockland-trust#roles) |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | Not disclosed | [5, incl. Sean A. Gray (Chief Executive Officer)](https://www.bankingnewsai.com/banks/beacon#people) ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Digital-banking users / transactions converted to Narmi One: > 55,000 users from three brands / 40 million transactions in a single day (Mar 2, 2026) ([Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Not disclosed | Not surveyed |
| [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 |
| [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) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |
| [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 |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) | [8, incl. Brent Beardall (President and CEO)](https://www.bankingnewsai.com/banks/wafd#people) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm)) | Software development pace with AI assistance: > 2x (Apr 17, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Eastern 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 16, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | Q4 FY2026 call: EverBank merger, no AI update ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491)) |
| Oct 16, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Q3 2026 call: core upgrade moved to February 2027; early AI applications in beta ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Third-quarter 2026 results: record earnings ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20261014247987/en/Independent-Bank-Corp.-Reports-Third-Quarter-Net-Income-of-%2489.7-Million)) |
| Oct 5, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | Third-quarter 2026 results date set ([Eastern Bankshares (Yahoo Finance)](https://finance.yahoo.com/news/eastern-bankshares-inc-announces-third-151500524.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 21, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Sean Gray succeeds Paul Perrault as CEO ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Banking Dive](https://bankingdive.com/news/beacon-names-coo-sean-gray-ceo-perrault-retires-brookline-berkshire-merger/830979)) |
| Sep 16, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | State supervisors publish an AI framework for examiners ([Banking Dive](https://www.bankingdive.com/news/csbs-ai-framework-banks-examiners-risk/830683/), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm)) |
| Sep 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 10, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | nCino: WaFd piloting Analyst Digital Partner for credit risk ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| 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 13, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Investor presentation lists the conversion as a milestone, not AI ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110465926095466/tm2622869d1_ex99-1.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 6, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| Aug 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)) |
| 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)) |
| Jul 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## Who runs AI at Eastern and its peers, and what governance is disclosed?

The executive accountable for AI or digital and the governance each bank describes. A blank means nothing is disclosed, not that nothing exists.

| Bank | AI or digital leader | Governance or board oversight | Date |
| --- | --- | --- | --- |
| Eastern | Ashley Nagle Eknaian, chief digital officer; Donald Westermann, CIO over technology, operations, product and Eastern Labs | Director Joseph Chung was CTO and head of AI at Rippl Care until November 2025; cyber reported quarterly to the board Risk Management Committee | January and March 2026 ([Eastern Bank](https://www.easternbank.com/insights/eastern-chief-digital-officer-adopting-innovative-mindset), [Eastern Bank](https://www.easternbank.com/about-us/executive-leadership/donald-westermann), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm)) |
| Associated | Andy Miner, senior director of AI for commercial banking; a new chief digital officer from BMO | 25 AI training modules launched | March, June and July 2026 ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-rbc-conference-strategic-growth-and-ai-integration-93CH-4555875)) |
| F.N.B. | Director of AI and innovation, under chief strategy officer Chris Chan | AI Policy, Data and AI Governance Committee, Board Risk Committee oversight | September 2025; March 2026 ([F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/250527-fnb-appoints-christopher-chan-as-chief-strategy), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm)) |
| Rockland Trust | An Office of Digital Innovation that gates AI investment | AI governance model listed as 'in process' in conference decks | July and September 2026 ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| Beacon | Mona Macero, chief digital officer over IT and information security (from 2024) | 2025 10-K names AI as a competitive, implementation and cyber risk | January 2024; March 2026 ([Brookline Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2024/01/24/2816005/0/en/Brookline-Bancorp-Inc-Chief-Operations-Officer-James-Cosman-to-Retire.html), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026013247/brkl-20251231.htm)) |
| Fulton | No AI executive; a chief operations and technology officer | Supplier due diligence covers 'ethics and use of AI' | June 2026 ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf)) |

## How do Eastern's lending and digital platforms compare with its peers'?

The customer-facing platforms each bank has named, with any scale disclosed.

| Bank | Platform | What it does or scale | Date |
| --- | --- | --- | --- |
| Eastern | nCino for commercial, consumer and mortgage lending with Alloy fraud and identity decisioning; Salesforce; Express Business Loan | Connected lending across product lines; small-business decisions often instant up to $200,000 | November 2025; 2026 ([nCino (GlobeNewswire)](https://globenewswire.com/news-release/2025/11/06/3182452/0/en/nCino-Expands-Offering-with-Eastern-Bank-to-Deliver-Connected-Lending-Experience-Across-Product-Lines.html), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Eastern Bank](https://www.easternbank.com/business-banking/business-lending/express-loan)) |
| Beacon | Narmi One digital banking; Baker Hill UN/FY for SBA lending | More than 55,000 users from three brands and 40 million transactions converted | March and June 2026 ([Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/beacon-bank-and-baker-hill-expand-long-standing-partnership-to-enhance-digital-small-business-and-sba-lending-experiences-302802028.html)) |
| F.N.B. | eStore Common app | More than 50 products in one application; Insight 360 AI tool due by end-2026 | March and July 2026 ([PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-q2-earnings-150341871.html)) |
| WaFd | Voicebot and a planned AI call-centre agent | Balance inquiries 95% faster; 45% fewer calls to representatives among voice-enrolled customers | August 2024 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/)) |
| BankUnited | Amazon Web Services AI services, including Bedrock and Lex (then-CTO) | Treasury and payments platforms being upgraded in 2026 | November 2023; April 2026 ([Bank Automation News](https://bankautomationnews.com/allposts/ai/bankunited-cto-to-speak-at-bank-automation-summit-u-s-2024), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bankunited-misses-q1-2026-eps-estimates-93CH-4629756)) |
| Fulton | Salesforce Agentforce; NICE CXone Copilot | 3,000 employees on agents; more than 3 million customer interactions a year supported | September 2026 ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |

## How did Eastern's HarborOne conversion compare with its peers' recent deals?

Most of this group closed acquisitions in 2025 and 2026; conversions have absorbed much of their technology effort.

| Bank | Deal and close | Core conversion | Disclosed result |
| --- | --- | --- | --- |
| Eastern | HarborOne, about $490 million (November 1, 2025) | February 2026 | Q2 2026 operating efficiency ratio 49.0% against 52.8% in Q1; about $2 million of the $67 million of merger charges left ([Eastern Bankshares (Business Wire)](https://businesswire.com/news/home/20250424301788/en/Eastern-Bankshares-Inc.-and-HarborOne-Bancorp-Inc.-Enter-Into-Definitive-Agreement-To-Merge), [Eastern Bankshares](https://investor.easternbank.com/news/news-details/2025/CORRECTING-and-REPLACING-Eastern-Bankshares-Inc--Announces-Completion-of-HarborOne-Acquisition-And-Proration-of-Merger-Consideration/default.aspx), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results)) |
| Beacon | Berkshire Hills and Brookline merger of equals (September 1, 2025) | Mid-February 2026, after slipping from November 2025 | $52 million of projected after-tax cost savings realised by July 2026 ([American Banker](https://americanbanker.com/news/two-merging-boston-banks-to-rebrand-under-new-beacon-name), [earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/30/beacon-financial-bbt-q1-2026-earnings-transcript/), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo)) |
| Rockland Trust | Enterprise Bancorp, $503.1 million (July 1, 2025) | Core move to IBS prioritised for October 2026 | $5 million to $6 million of one-time core-upgrade costs guided for 2026 ([Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000058/indb-20251231.htm), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| Atlantic Union | Sandy Spring, about $1.3 billion (April 1, 2025) | October 2025 | More than 80 million data values validated without sampling ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/195/atlantic-union-bankshares-corporation-completes-acquisition), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| Associated | American National, $604 million (April 1, 2026) | Integration under way in Q2 2026 | Expected cost savings raised to about 30% of the acquired expense base ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-associated-banccorp-tops-q2-2026-estimates-93CH-4810197)) |

## How do Eastern and its peers talk about AI in filings and on calls?

What each bank's latest annual and quarterly filings and earnings calls say about AI. Filings language is risk disclosure, not a measure of use.

| Bank | Annual report (10-K) | 2026 quarterly filings and calls | Date |
| --- | --- | --- | --- |
| Eastern | AI 'not currently material to our operations'; risks from biased data, opaque models, agentic-AI fraud and vendors' AI | Q2 10-Q lists AI only among operational risks; Q1 call: AI to anticipate needs and personalize recommendations; Q2 call: savings pushed into AI and technology | March to August 2026 ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026054656/ebc-20260630.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html), [Yahoo Finance](https://finance.yahoo.com/quote/EB0.F/earnings/EB0.F-Q2-2026-earnings_call-654395.html)) |
| F.N.B. | Heavy reliance on models, AI and generative AI in credit, fraud, risk monitoring and customer engagement | AI in the 10-Qs only as a vendor and AI risk item; Q2 call: AI investment weighted to revenue | February to August 2026 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fnb-tops-eps-view-in-q2-2026-shares-slip-93CH-4798633)) |
| Associated | 27 occurrences of 'AI' in the 2025 10-K against 17 a year earlier | None in the Q1 or Q2 2026 10-Qs; 30 AI use cases cited at Barclays | August and September 2026 ([Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000071/asb-20251231.htm), [Associated Banc-Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/7789/000000778926000202/asb-20260630.htm), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Beacon | AI may 'intensify competition and accelerate disruption'; AI and algorithms may have unintended consequences | No AI reference in the Q2 2026 10-Q | March and August 2026 ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026013247/brkl-20251231.htm), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026054720/bbt-20260630.htm)) |
| Rockland Trust | Conference decks list an AI governance model as 'in process' | Q2 10-Q lists risks from AI use; Q2 call: the bank cannot take its foot off the pedal on AI and technology investment | July to September 2026 ([Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000129/indb-20260630.htm), [Investing.com](https://ca.investing.com/news/transcripts/earnings-call-transcript-independent-bank-misses-q2-2026-estimates-as-shares-fall-93CH-4740048)) |
| BankUnited | AI language sits in the annual risk factors | No AI discussion in the Q1 or Q2 2026 10-Qs or on the Q1 call | May and August 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000043/bku-20260331.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bankunited-misses-q1-2026-eps-estimates-93CH-4629756)) |

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

Eastern Bankshares is compared here with Independent Bank Corp. (Rockland Trust), Beacon Financial Corporation, Fulton Financial Corporation, F.N.B. Corporation, Atlantic Union Bankshares, Associated Banc-Corp, BankUnited and WaFd, Inc.: chosen by the editors for this page (see the note below the table). Eastern Bankshares is classed as a regional or retail-commercial bank in the Northeast.

The computed group mixed in Glacier in Montana, City National Bank of Florida and a New York community bank; this group starts with the two other Boston-area banks on this site (Rockland Trust, a member of Eastern's 2025 compensation peer group, and Beacon) and adds six more banks from that proxy peer group of commercial banks of similar size (Fulton, F.N.B., Atlantic Union, Associated, BankUnited and WaFd).

## Common questions

### Does Eastern Bank use AI?

It says so in general terms. Eastern's 2026 proxy lists embedding AI into key systems and processes and enabling broad employee usage among 2025 achievements, and its CFO said in July 2026 the bank is 'trying to push the use of AI'. Its 2025 10-K says AI use is not currently material, and it names no AI tool, vendor or user count. ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Yahoo Finance](https://finance.yahoo.com/quote/EB0.F/earnings/EB0.F-Q2-2026-earnings_call-654395.html), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm))

### Is Eastern better than Rockland Trust at AI?

The record cannot settle capability, but Eastern has put a little more on it: 36.3 on this site's disclosure index against Rockland Trust's 32.1. Eastern reports AI embedded in key systems; Rockland Trust runs an Office of Digital Innovation that gates AI spending and budgeted three dedicated AI staff for 2026. ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524))

### How does Eastern compare with Associated on AI?

Associated scores 56.8 on this site's index and Eastern 36.3. Associated names a senior director of AI for commercial banking, a chief digital officer hired to advance AI, 30 AI use cases in process and a $45,000 internal build that replaced an $800,000 purchase option. Eastern discloses AI embedded in key systems but no numbers. ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm))

### Who leads digital and AI at Eastern Bank?

Chief digital officer Ashley Nagle Eknaian leads digital strategy and Eastern Labs and argues for experimentation, with AI as a tool. CIO Donald Westermann, a named executive officer, leads technology, operations, product and Eastern Labs and is the bank's voice on the nCino lending platform. No AI-specific role is named. ([Eastern Bank](https://www.easternbank.com/insights/eastern-chief-digital-officer-adopting-innovative-mindset), [Eastern Bank](https://www.easternbank.com/about-us/executive-leadership/donald-westermann), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [nCino (GlobeNewswire)](https://globenewswire.com/news-release/2025/11/06/3182452/0/en/nCino-Expands-Offering-with-Eastern-Bank-to-Deliver-Connected-Lending-Experience-Across-Product-Lines.html))

### What does Eastern's 10-K say about AI?

That AI 'is an emerging technology that presents both opportunities and risks', that its use 'is not currently material to our operations', and that the risks include flawed or biased data, opaque models, evolving AI law, agentic-AI synthetic-identity and deepfake fraud, and vendors building AI into their products (2025 10-K, filed March 2, 2026). ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm))

### How does Eastern's small-business lending technology compare?

Eastern's Express Business Loan, built in-house by Eastern Labs, offers a five-minute application with decisions often instant up to $200,000. Beacon added Baker Hill's AI-enabled document classification and spreading for SBA loans in June 2026, and F.N.B. sells business loans through its eStore Common app. ([Eastern Bank](https://www.easternbank.com/business-banking/business-lending/express-loan), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/beacon-bank-and-baker-hill-expand-long-standing-partnership-to-enhance-digital-small-business-and-sba-lending-experiences-302802028.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1))

### Why is Eastern's AI score lower than F.N.B.'s?

Because F.N.B. has disclosed far more: 10 AI-enabled fraud tools, about 190,000 data-mined leads a quarter, an AI governance committee and machine-learning deposit pricing. Eastern places ninth of nine on disclosed numbers and eighth on independent coverage. The index measures what banks put on the record, not what they run. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fnb-tops-eps-view-in-q2-2026-shares-slip-93CH-4798633), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm))

## Peers on this site

- [Independent Bank Corp. (Rockland Trust) AI strategy](https://www.bankingnewsai.com/banks/rockland-trust) · [vs peers](https://www.bankingnewsai.com/banks/rockland-trust/vs-peers)
- [Beacon Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/beacon) · [vs peers](https://www.bankingnewsai.com/banks/beacon/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [WaFd, Inc. AI strategy](https://www.bankingnewsai.com/banks/wafd) · [vs peers](https://www.bankingnewsai.com/banks/wafd/vs-peers)

## Sources

1. Eastern Bankshares, Inc. 2026 Proxy Statement (DEF 14A) — Eastern Bankshares (SEC filings), Mar 26, 2026. https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm
2. EBC Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 24, 2026. https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html
3. Eastern Bankshares, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Eastern Bankshares (SEC filings), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm
4. Associated Banc-Corp at Barclays conference: growth, margins and AI (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556
5. Five Big Ideas Coming Out of Dreamforce 2026 — Salesforce, Sep 24, 2026. https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/
6. F.N.B. Corporation Investor Day presentation (Form 8-K, Exhibit 99.1) — F.N.B. Corporation (SEC filings), Nov 5, 2025. https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm
7. Earnings call transcript: Independent Bank Q4 2025 beats earnings forecast (call of 22 January 2026) — Investing.com, Jan 23, 2026. https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524
8. Beacon Financial Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Beacon Financial (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1108134/000162828026054720/bbt-20260630.htm
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18. Associated Bank Hires Andy Miner as senior director, AI for Corporate & Commercial Banking — Associated Banc-Corp, Jun 30, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking
19. FNB Adds AI and Data Science Directors to Strategy Leadership Team — F.N.B. Corporation, Sep 18, 2025. https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918
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21. BankUnited Enhances Customer and Employee Satisfaction for SMB Banking Using AWS (undated case study, retrieved 2026-09-24) — Amazon Web Services, Sep 24, 2026. https://aws.amazon.com/solutions/case-studies/bankunited-case-study/
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27. 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
28. Associated Bank chief digital officer joins from BMO — Banking Dive, Jul 30, 2026. https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/
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