Enterprise Financial Services Corp vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 90 sources cited

How does Enterprise Financial Services Corp compare with its peers on AI and technology?

On this site's AI disclosure index Enterprise Financial Services scores 34.4 (#83 of 120 US banks), sixth in a nine-bank group of commercial banks behind Western Alliance (71.8), UMB (47.9), Busey (44.9) and ServisFirst (39.7), and level with Banc of California (34.7) and Commerce (34). It leads the group on its own primary disclosures (26) and has 10 use cases in production, second only to Western Alliance's 16. What it has put on the record is an 'automation journey': on the July 23, 2026 call CEO Jim Lally said the bank is 'integrating manual procedures into automated workflow processes' on technology it has already bought and is 'already seeing strong adoption'. It also teaches AI to clients, with Enterprise University courses on AI as a CEO's imperative (March 2026) and Microsoft Copilot (August 2026), and became the first banking partner in AppFolio's Stack Marketplace (August 2026). It trails on specifics and outside coverage, with 1 independent source against a group median of 3.5. Western Alliance estimates 150,000-plus employee hours saved by AI from Copilot use and has identified 15 AI use cases (May and September 2026); ServisFirst selected Covecta to embed agentic AI in its workflows (September 2026); Busey reports Glia virtual assistants handling 61.5% of calls. Enterprise names no AI vendor, model, leader or budget, its 2026 10-Qs do not mention AI, and its digital banking Virtual Assistant is not described as AI.[1][2][3][4][5][6][7][8][9][10][11]

Data as of Oct 20, 2026 · Enterprise Bank & Trust profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where does Enterprise Bank & Trust lead its peers on AI?

01

The most primary disclosures in the group

Enterprise's profile draws on 26 of its own documents, the most of the nine banks (median 16): AI and fintech partnerships in its March and June 2026 investor decks, automation remarks on every 2026 earnings call, and AI named in its 2025 10-K as a competitive force and a cyber threat.[12][13][14][1][15]

02

AI education for business clients

Enterprise University runs 'Why AI Is a CEO's Business Imperative' (March 2026), a Microsoft Copilot course (August 2026) and fall 2026 sessions on evaluating AI tools for business owners. No other bank in the group describes AI training for clients; Commerce, for one, publishes fraud guidance on generative-AI scams.[2][3][16][17]

03

Embedded banking inside a client platform

In August 2026 Enterprise became the first banking partner in the AppFolio Stack Marketplace, putting Positive Pay, statements and balances inside property managers' software; its specialty deposit verticals were 28% of deposits at June 30, 2026. Banc of California runs SmartStreet for community-association management.[4][18][19]

Where does Enterprise Bank & Trust trail its peers on AI?

01

No measured AI result while Western Alliance counts hours saved

Enterprise reports 'strong adoption' of automation tools but no figure. Western Alliance estimated 150,000-plus employee hours saved by AI from Microsoft Copilot usage and $10 million-plus of AI productivity value at its May 2026 investor day, and projects a 25% shorter lending cycle.[1][5]

02

No named AI vendor, unlike ServisFirst and Busey

Enterprise's decks cite 'AI and fintech partnerships' without naming one. ServisFirst selected Covecta to embed agentic AI into operational workflows (September 2026), and Busey runs Glia's voice AI, which handled 61.5% of contact-center calls (February 2026).[12][7][8]

03

Almost no independent coverage of its AI

Enterprise has 1 independent source on its AI record, 7th of 9 against a group median of 3.5; Western Alliance has 13, including trade-press coverage of its AI fraud screening for class-action settlements, which it says prevented 723 million-plus fraudulent claims in 2024.[20][21][22]

04

No AI governance body named, while CVB names a council

Enterprise's 10-K describes an Operations Technology Committee and vendor due diligence but no AI-specific governance. CVB Financial's 2026 proxy names a six-seat AI Governance Council chaired by its COO, and Busey has a director of AI, data science and insights.[15][23][24]

Where does Enterprise Bank & Trust rank against its peers on AI disclosure?

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

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Western Alliance Bancorporation71.8#32 of 120131416 of 1718Triangle of Fraud Protection and the enterprise AI programme[25][21][26][27]
UMB Financial47.9#61 of 1207149 of 1016Integration first: the Heartland systems conversion[28][29][30]
First Busey Corporation44.9#64 of 12042110 of 1313Director of AI, Data Science and Insights (from April 2026)[24][31][32][33][8][34]
ServisFirst Bancshares39.7#72 of 1207134 of 617Covecta agentic AI[7][35]
Banc of California34.7#82 of 12012110 of 1415BancEdge (formerly Deepstack) payments platform, SmartStreet[36][19][37][38][39][40][41][42]
Enterprise Financial Services Corp (this page)34.4#83 of 12012610 of 1316Automation journey on the existing technology framework[1][2][3][43]
Commerce Bancshares34#84 of 1203216 of 1015Enterprise data strategy with an AI pillar; receivables automation for commercial clients[44][45][46][47]
Central Bancompany24.7#95 of 1202118 of 1113In-house technology division and core modernisation programme[48][49][50][51][52]
CVB Financial Corp.16.8#99 of 1201188 of 817Not disclosed

On which parts of the AI record is Enterprise Bank & Trust ahead of or behind its peers?

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

Component (weight)Enterprise Bank & TrustPeer medianMost in the groupPlace
Independent sources (45%)13.5Western Alliance (13)7th of 9
Use cases in production (10%)108.5Western Alliance (16)2nd of 9
Own primary disclosures (10%)2616Enterprise Bank & Trust (26)1st of 9
Dated moves, last 12 months (10%)1615.5Western Alliance (18)4th of 9
Disclosed numbers (5%)1014Western Alliance (16)8th of 9
Named AI leaders (5%)57Western Alliance (12)7th of 9
Use cases described (5%)1310.5Western Alliance (17)3rd of 9

What has each bank in Enterprise Bank & Trust's peer group disclosed about its AI?

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

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Enterprise Financial Services CorpAutomation journey on the existing technology framework[1][2][3][43]5, incl. James B. Lally (President and CEO)[53][54]Not disclosedNot disclosedNot surveyed
First Busey CorporationDirector of AI, Data Science and Insights (from April 2026)[24][31][32][33][8][34]8, incl. Van A. Dukeman (Chairman, President and CEO)[55][56]Not disclosedNot disclosedNot surveyed
Central BancompanyIn-house technology division and core modernisation programme[48][49][50][51][52]6, incl. John 'JR' Ross (President and CEO)[57]Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026)[52]Not disclosedNot surveyed
ServisFirst BancsharesCovecta agentic AI[7][35]5, incl. Tom Broughton (Chairman, President and CEO)[58][59]Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026)[58]Not disclosedNot surveyed
CVB Financial Corp.Not disclosed7, incl. David A. Brager (Chief Executive Officer)[60][61]Seats on the AI Governance Council (COO as chair, CIO, CISO, Human Resource Director, Deputy Chief Credit Officer, Associate General Counsel): 6 (Apr 7, 2026)[23]Not disclosedNot surveyed
Commerce BancsharesEnterprise data strategy with an AI pillar; receivables automation for commercial clients[44][45][46][47]7, incl. John Kemper (President and CEO)[44][62]Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025)[63]Not disclosedNot surveyed
Banc of CaliforniaBancEdge (formerly Deepstack) payments platform, SmartStreet[36][19][37][38][39][40][41][42]5, incl. Jared Wolff (Chairman, President and CEO)[64][39]Developers using AI in daily workflows: More than 80% (Apr 23, 2026)[41]Not disclosed2 open AI roles (Sep 24, 2026); most in AI product & strategy
UMB FinancialIntegration first: the Heartland systems conversion[28][29][30]11, incl. Mariner Kemper (Chairman and CEO)[65][29]Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026)[66][67][68][69]Not disclosedNot surveyed
Western Alliance BancorporationTriangle of Fraud Protection and the enterprise AI programme[25][21][26][27]12, incl. Ken Vecchione (Chairman)[70][71][72]Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026)[5]Not disclosed5 open AI roles (Sep 24, 2026); most in AI engineering

What are the latest dated moves on the AI record of Enterprise Bank & Trust and its peers?

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

DateBankMove
Oct 1, 2026CommerceNolan & Associates acquisition completed[73]
Sep 16, 2026Western AllianceBarclays conference: 15 AI use cases, top five for 2027[6]
Sep 16, 2026Western AllianceAI team first used to defend against Mythos[6]
Sep 15, 2026ServisFirst BankTrade press frames Covecta as a third US bank client[74]
Sep 10, 2026ServisFirst BankSelects Covecta to deploy agentic AI[7]
Aug 31, 2026CommerceFraud guide says scammers use generative AI[17]
Aug 20, 2026UMB'Playing with the big boys'[75]
Aug 14, 2026Central BankQ2 2026 10-Q: AI-related fraud and cyber risks monitored[76]
Aug 14, 2026Central BankQ2 2026 10-Q: $12 million of core modernisation capitalised[76]
Aug 7, 2026Banc of CaliforniaQ2 2026 10-Q lists AI among competing technologies[77]
Aug 7, 2026Citizens Business BankQ2 2026 10-Q: computer software expense up 39.14%[78]
Aug 6, 2026Busey BankQ2 2026 10-Q: AI named in forward-looking risks; headcount and data processing[79]
Aug 6, 2026Enterprise Bank & TrustFirst banking partner in the AppFolio Stack Marketplace[4]
Aug 3, 2026Enterprise Bank & TrustMicrosoft Copilot course for clients[3]
Jul 30, 2026UMBQ2 2026 10-Q has no AI language[80]
Jul 29, 2026Banc of CaliforniaQ2 2026 call: APIs added, no AI remarks[81]
Jul 28, 2026Busey BankQ2 2026 investor presentation: AI in the CFO's portfolio[33]
Jul 23, 2026Citizens Business BankQ2 2026 results: AI appears only as a forward-looking factor[82][83][78]

What AI has each bank in Enterprise's peer group put into production?

The most concrete AI deployment each bank has disclosed, with the result it reports. A blank means nothing is disclosed, not that nothing exists.

BankAI in productionResult disclosedDate
EnterpriseWorkflow automation on existing technology; a digital banking Virtual Assistant (AI use not stated)'Strong adoption' of automation tools; no figureJuly 2026[1][11]
Western AllianceMicrosoft Copilot; AI fraud scoring in Digital Disbursements150,000+ hours saved; 723 million+ fraudulent claims prevented in 2024May 2026; April 2025[5][21]
BuseyGlia voice-AI virtual assistants61.5% of calls handled; wrap-up time down 50%February 2026[8]
Banc of CaliforniaAI in developers' daily workflowsMore than 80% of developersApril 2026[41]
Central BancompanyPersonetics AI money-management insights32.5 million insights; 29% digital engagement (vendor-reported)April 2026[52]
ServisFirstCovecta agentic AI selected for operational workflowsNot yet disclosedSeptember 2026[7]
CommerceAn AI pillar in its enterprise data strategy and an AI roadmapNot disclosedFebruary 2026[44]

Who owns AI at Enterprise and at its peers?

The AI executive or governance body each bank names.

BankAI owner or bodyDetailDate
EnterpriseNone named for AIOperations Technology Committee reports into the board Risk Committee; CISO leads security under the chief administrative officerFebruary 2026[15]
CVB FinancialAI Governance CouncilSix seats: COO as chair, CIO, CISO, HR director, deputy chief credit officer, associate general counselApril 2026[23]
BuseyDirector of AI, data science and insightsAdrianne Bernini, hired April 2026; AI in the CFO's remitApril and July 2026[24][33]
UMBBoard Risk Committee and the TOPS committeeEmerging technology including AI overseen within enterprise riskFebruary and March 2026[84][85]
Western AllianceEnterprise AI programme15 AI use cases identified; top five to be costed into 2027 plansSeptember 2026[6]

How does Enterprise's technology investment compare with its peers'?

Technology spending or platform work each bank has disclosed, as reported.

BankTechnology spend or platformFigurePeriod
EnterpriseCore conversion completed October 2024; branch acquisition integratedCore-conversion expense fell $4.9 million in 2025; core efficiency ratio 59.3%2025[15]
Western AllianceTechnology investmentAbout $250 million over 2024 to 2026; 10% of revenueMay 2026[5]
Banc of CaliforniaInformation technology and data processing$55.5 million in 20252025[86]
CommerceData processing and software$38.2 million in Q2 2026, up 16.2%Q2 2026[87]
Central BancompanyTCS BaNCS core modernization$12 million capitalized to dateJune 2026[76]
CVB FinancialComputer software expense$17.1 million in 2025, up 12.07%2025[88]

How do Enterprise's client tools compare with its peers'?

Digital and treasury tools each bank offers business and consumer clients, with the figures it reports.

BankClient toolFigure or detailDate
EnterpriseAppFolio Stack integration; digital banking Virtual Assistant; Enterprise University AI and Copilot coursesFirst banking partner in the AppFolio Stack Marketplace; more than 30 no-cost courses in fall 2026August and September 2026[4][11][16]
CommerceCommercial card; digital banking$9.9 billion of commercial card volume in 2025; 82% digital penetration2025[89][63]
Banc of CaliforniaBancEdge payments platform; SmartStreet for community associationsPayments head hired February 2026 to scale merchant acquiring2026[19][90]
Central BancompanyPersonetics insights; AI-enabled cash-flow forecasting32.5 million insights delivered (vendor-reported)March and April 2026[52][48]
Western AllianceAI fraud scoring for class-action settlement payments (Digital Disbursements)723 million+ fraudulent claims prevented in 2024April 2025[21]

Which banks are Enterprise Bank & Trust's peers, and why these?

Enterprise Financial Services Corp is compared here with First Busey Corporation, Central Bancompany, ServisFirst Bancshares, CVB Financial Corp., Commerce Bancshares, Banc of California, UMB Financial and Western Alliance Bancorporation: chosen by the editors for this page (see the note below the table). Enterprise Financial Services Corp is classed as a commercial and business bank in the Midwest.

The computed group mixed in SBA specialist Live Oak, mortgage-warehouse lender Merchants Bancorp and Indiana's First Merchants; this group holds commercial banks that serve privately held businesses in Enterprise's own markets, Missouri and Kansas (Busey, Central Bancompany, Commerce, UMB), Arizona (Western Alliance) and Southern California (Banc of California, CVB), plus ServisFirst as a commercial-only bank of similar size.

Is Enterprise Bank & Trust better than Western Alliance at AI?

The record cannot settle capability, but Western Alliance has put much more on it: 71.8 on this site's disclosure index against Enterprise's 34.4. Western Alliance reports 150,000-plus hours saved by AI and AI fraud screening that prevented 723 million-plus fraudulent claims in 2024. Enterprise describes an automation programme without a figure.[5][21][1]

Does Enterprise Bank & Trust have an AI virtual assistant?

It has a digital banking Virtual Assistant: 24/7 chat inside online banking and the app for balances, routing numbers, transfers and navigation, with hand-off to a live client service officer. The bank does not say whether it uses AI. Busey's Glia virtual assistants handled 61.5% of contact-center calls in early 2026.[11][8]

How does Enterprise compare with Busey on AI?

Busey scores 44.9 on this site's index and Enterprise 34.4. Busey has a director of AI and counts its contact-center AI; Enterprise describes an automation journey and teaches AI to business clients through Enterprise University. Both banks are based in the St. Louis area, where Busey has 20 banking centers.[24][8][1][2][32]

Who leads AI at Enterprise Bank & Trust?

No AI leader has been named. The 10-K places information security under a CISO reporting to the chief administrative officer and describes an Operations Technology Committee reporting to the board Risk Committee. Among peers, Busey has a director of AI and CVB Financial a six-seat AI Governance Council chaired by its COO.[15][24][23]

What does Enterprise say about AI in its 10-K?

Its 2025 10-K says breakthroughs 'in areas like artificial intelligence' are producing new products its future success depends on keeping up with, and that cyber threats are growing more sophisticated 'including as a result of artificial intelligence'. Its 2026 10-Qs do not mention AI.[15][9][10]

How does Enterprise's technology spending compare with its peers'?

Enterprise does not disclose a technology budget; its core-conversion expense fell $4.9 million in 2025 after the October 2024 conversion, and its core efficiency ratio was 59.3%. Western Alliance put its 2024-2026 technology investment at about $250 million, and Commerce's data processing and software expense was $38.2 million in Q2 2026.[15][5][87]

Is ServisFirst ahead of Enterprise on agentic AI?

On the record, yes: ServisFirst selected Covecta in September 2026 to embed banking-specific AI agents into operational workflows. Enterprise lists AI and fintech partnerships in its investor decks without naming a partner. ServisFirst scores 39.7 on this site's index against Enterprise's 34.4.[7][13]

How does Enterprise compare with Commerce Bank on AI?

They sit side by side on this site's index: Enterprise 34.4, Commerce 34. Commerce's 2025 annual report describes an AI pillar in its enterprise data strategy and an AI roadmap, and it reports 82% digital penetration. Enterprise describes an automation programme on existing technology and AI courses for clients; neither names an AI model.[44][63][1][2]

What does Enterprise University teach about AI?

Enterprise's free client education programme offers 'Why AI Is a CEO's Business Imperative', presented in March 2026 by executives of an AI advisory firm, a Microsoft Copilot course on practical prompting (August 2026), and fall 2026 sessions on evaluating AI tools and aligning AI adoption with business strategy among more than 30 no-cost courses.[2][3][16]

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    Yahoo Finance · Jul 23, 2026
  2. Why AI Is a CEO's Business Imperative
    Enterprise Bank & Trust (Enterprise University) · Mar 3, 2026
  3. Microsoft Copilot: Transforming Everyday Work
    Enterprise Bank & Trust (Enterprise University) · Aug 3, 2026
  4. Enterprise Bank & Trust Enhances Property Management Client Service Through AppFolio Stack App Partnership
    Enterprise Bank & Trust · Aug 6, 2026
  5. Western Alliance Bancorporation Investor Day 2026 presentation (Form 8-K, Exhibit 99.1)
    Western Alliance Bancorporation (SEC filings) · May 12, 2026
  6. Western Alliance at Barclays Conference: shift to profits, buybacks (transcript)
    Investing.com · Sep 16, 2026
  7. ServisFirst Bank Selects Covecta to Deploy Agentic AI Across its Operations
    ServisFirst Bank · Sep 10, 2026
  8. Building Relationships When Checking No Longer Confers Primacy
    The Financial Brand · Feb 24, 2026
  9. Enterprise Financial Services Corp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Enterprise Financial Services Corp (SEC filings) · May 1, 2026
  10. Enterprise Financial Services Corp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Enterprise Financial Services Corp (SEC filings) · Jul 31, 2026
  11. Meet Your Digital Banking Virtual Assistant
    Enterprise Bank & Trust · Sep 24, 2026
  12. Investor Presentation, Fixed Income, March 2026 (Form 8-K, Exhibit 99.1)
    Enterprise Financial Services Corp (SEC filings) · Mar 9, 2026
  13. Investor Presentation, Fixed Income, June 2026 (Form 8-K, Exhibit 99.1)
    Enterprise Financial Services Corp (SEC filings) · Jun 9, 2026
  14. EFSC Q1 2026 Earnings Transcript
    Motley Fool (Yahoo Finance) · Apr 23, 2026
  15. Enterprise Financial Services Corp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Enterprise Financial Services Corp (SEC filings) · Feb 27, 2026
  16. Enterprise University
    Enterprise Bank & Trust · Sep 24, 2026
  17. Growing threats in commercial banking fraud
    Commerce Bank · Aug 31, 2026
  18. Investor Presentation, Second Quarter 2026 (Form 8-K)
    Enterprise Financial Services Corp (SEC filings) · Jul 27, 2026
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    Banc of California · Aug 6, 2025
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    Western Alliance Bank · Apr 4, 2025
  22. Western Alliance co-created tech blocks class action fraud
    American Banker · May 23, 2025
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    CVB Financial Corp. (SEC filings) · Apr 7, 2026
  24. Bernini Joins Busey as Director of AI
    Busey Bank · Apr 6, 2026
  25. How Truist and Western Alliance deploy AI to fight fraud
    American Banker · Jun 4, 2025
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    American Banker · May 6, 2025
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    Business Wire via FT Markets · Jul 24, 2026
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    American Banker · Sep 24, 2025
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    First Busey Corporation · Apr 28, 2026
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    First Busey Corporation (SEC filings) · Feb 26, 2026
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    First Busey Corporation (SEC filings) · Jul 28, 2026
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    Glia (case study) · Sep 24, 2026
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    Banc of California · Jul 28, 2026
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    Banc of California · Nov 25, 2024
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    Los Angeles Business Journal (reprint posted by Banc of California) · Mar 2, 2026
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    Banc of California · Sep 30, 2024
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    Yahoo Finance (Motley Fool transcript) · Apr 23, 2026
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    Enterprise Bank & Trust · Dec 17, 2025
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    Commerce Bancshares · Feb 24, 2026
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    Commerce Bank · Aug 19, 2025
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    Personetics · Apr 16, 2026
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    Enterprise Financial Services Corp (Business Wire via Yahoo Finance) · Jul 22, 2026
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    MarketBeat (Yahoo Finance) · Jul 23, 2026
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    ServisFirst Bancshares (GlobeNewswire) · Jul 20, 2026
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    Yahoo Finance · Oct 23, 2025
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    Business Wire via Yahoo Finance · Jun 15, 2026
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    Yahoo Finance · Jul 22, 2026
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    Yahoo Finance (Commerce Bank via Business Wire) · Oct 1, 2026
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    FinTech Futures · Sep 15, 2026
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    SEC EDGAR · Aug 7, 2026
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    CVB Financial Corp. (SEC filings) · Aug 7, 2026
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    First Busey Corporation (SEC filings) · Aug 6, 2026
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    UMB Financial (SEC filings) · Jul 30, 2026
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    The Motley Fool (earnings call transcript) · Jul 29, 2026
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    Yahoo Finance · Apr 23, 2026
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    Yahoo Finance · Jul 23, 2026
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    UMB Financial (SEC filings) · Feb 26, 2026
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    UMB Financial (SEC filings) · Mar 12, 2026
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    SEC EDGAR · Feb 27, 2026
  87. Commerce Bancshares, Inc. Quarterly Report on Form 10-Q for the quarter ended 30 June 2026
    Commerce Bancshares (SEC filings) · Aug 5, 2026
  88. CVB Financial Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    CVB Financial Corp. (SEC filings) · Feb 27, 2026
  89. Commerce Bancshares, Inc. At a Glance (data as of June 30, 2026)
    Commerce Bancshares · Jul 27, 2026
  90. Banc of California Appoints Chris Healy as Executive Director, Head of Payments
    Banc of California · Feb 17, 2026

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