# Enterprise Financial Services Corp vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/enterprise-bank/vs-peers
Last updated: Oct 20, 2026

*Part of the [Enterprise Financial Services Corp AI strategy profile](https://www.bankingnewsai.com/banks/enterprise-bank). Peer group: First Busey Corporation, Central Bancompany, ServisFirst Bancshares, CVB Financial Corp., Commerce Bancshares, Banc of California, UMB Financial, Western Alliance Bancorporation.*

## 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. ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership), [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), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000108/efsc-20260331.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000146/efsc-20260630.htm), [Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant))

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

- **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. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000076/projectcolerinvestorpres.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000119/efscfixedincomeinvestord.htm), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/efsc-q1-2026-earnings-transcript-171019069.html), [Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm))
- **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. ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/eu), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud))
- **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. ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000143/efscinvestorpresentation.htm), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf))

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

- **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. ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))
- **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). ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000076/projectcolerinvestorpres.htm), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883))
- **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. ([Albuquerque Business First (bizjournals.com)](https://bizjournals.com/albuquerque/news/2025/12/22/bank-executive-kuhn-ai-volatility.html), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud))
- **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. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [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)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | [44.9](https://www.bankingnewsai.com/banks/ai-index) | #64 of 120 | [4](https://www.bankingnewsai.com/banks/busey#sources) | [21](https://www.bankingnewsai.com/banks/busey#sources) | [10 of 13](https://www.bankingnewsai.com/banks/busey#where) | [13](https://www.bankingnewsai.com/banks/busey#timeline) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | [39.7](https://www.bankingnewsai.com/banks/ai-index) | #72 of 120 | [7](https://www.bankingnewsai.com/banks/servisfirst#sources) | [13](https://www.bankingnewsai.com/banks/servisfirst#sources) | [4 of 6](https://www.bankingnewsai.com/banks/servisfirst#where) | [17](https://www.bankingnewsai.com/banks/servisfirst#timeline) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | [34.7](https://www.bankingnewsai.com/banks/ai-index) | #82 of 120 | [1](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [21](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [10 of 14](https://www.bankingnewsai.com/banks/banc-of-california#where) | [15](https://www.bankingnewsai.com/banks/banc-of-california#timeline) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) |
| [Enterprise Financial Services Corp (this page)](https://www.bankingnewsai.com/banks/enterprise-bank) | [34.4](https://www.bankingnewsai.com/banks/ai-index) | #83 of 120 | [1](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [26](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [10 of 13](https://www.bankingnewsai.com/banks/enterprise-bank#where) | [16](https://www.bankingnewsai.com/banks/enterprise-bank#timeline) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |
| [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | [16.8](https://www.bankingnewsai.com/banks/ai-index) | #99 of 120 | [1](https://www.bankingnewsai.com/banks/cvb-financial#sources) | [18](https://www.bankingnewsai.com/banks/cvb-financial#sources) | [8 of 8](https://www.bankingnewsai.com/banks/cvb-financial#where) | [17](https://www.bankingnewsai.com/banks/cvb-financial#timeline) | Not 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 & Trust | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 1 | 3.5 | [Western Alliance (13)](https://www.bankingnewsai.com/banks/western-alliance) | 7th of 9 |
| Use cases in production (10%) | 10 | 8.5 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 2nd of 9 |
| Own primary disclosures (10%) | 26 | 16 | [Enterprise Bank & Trust (26)](https://www.bankingnewsai.com/banks/enterprise-bank) | 1st of 9 |
| Dated moves, last 12 months (10%) | 16 | 15.5 | [Western Alliance (18)](https://www.bankingnewsai.com/banks/western-alliance) | 4th of 9 |
| Disclosed numbers (5%) | 10 | 14 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 8th of 9 |
| Named AI leaders (5%) | 5 | 7 | [Western Alliance (12)](https://www.bankingnewsai.com/banks/western-alliance) | 7th of 9 |
| Use cases described (5%) | 13 | 10.5 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) | [5, incl. James B. Lally (President and CEO)](https://www.bankingnewsai.com/banks/enterprise-bank#people) ([Enterprise Financial Services Corp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/enterprise-financial-services-corp-reports-200500224.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/enterprise-financial-services-q2-earnings-160738590.html)) | Not disclosed | Not disclosed | Not surveyed |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) | [8, incl. Van A. Dukeman (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/busey#people) ([First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [First Busey Corporation (GlobeNewswire)](https://ir.busey.com/news-releases/news-release-details/busey-dukeman-agree-contract-extension/)) | Not disclosed | Not disclosed | Not surveyed |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | Not disclosed | Not surveyed |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) | [5, incl. Tom Broughton (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/servisfirst#people) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [American Banker](https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas)) | Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html)) | Not disclosed | Not surveyed |
| [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | Not disclosed | [7, incl. David A. Brager (Chief Executive Officer)](https://www.bankingnewsai.com/banks/cvb-financial#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q3-2025-earnings_call-367007.html), [Citizens Business Bank](https://cbbank.com/about-us/leadership-team)) | 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) ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm)) | Not disclosed | Not surveyed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) | [5, incl. Jared Wolff (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/banc-of-california#people) ([American Banker](https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf)) | Developers using AI in daily workflows: More than 80% (Apr 23, 2026) ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/banc-of-california#roles) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [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) |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| 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 15, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Trade press frames Covecta as a third US bank client ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents)) |
| Sep 10, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Selects Covecta to deploy agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 7, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 10-Q lists AI among competing technologies ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm)) |
| Aug 7, 2026 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | Q2 2026 10-Q: computer software expense up 39.14% ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |
| Aug 6, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm)) |
| Aug 6, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| Aug 3, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | Microsoft Copilot course for clients ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 29, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 call: APIs added, no AI remarks ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/)) |
| Jul 28, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 investor presentation: AI in the CFO's portfolio ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm)) |
| Jul 23, 2026 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | Q2 2026 results: AI appears only as a forward-looking factor ([Yahoo Finance](https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q1-2026-earnings_call-544871.html), [Yahoo Finance](https://finance.yahoo.com/quote/BCV.F/earnings/BCV.F-Q2-2026-earnings_call-653685.html), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |

## 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.

| Bank | AI in production | Result disclosed | Date |
| --- | --- | --- | --- |
| Enterprise | Workflow automation on existing technology; a digital banking Virtual Assistant (AI use not stated) | 'Strong adoption' of automation tools; no figure | July 2026 ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant)) |
| Western Alliance | Microsoft Copilot; AI fraud scoring in Digital Disbursements | 150,000+ hours saved; 723 million+ fraudulent claims prevented in 2024 | May 2026; April 2025 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf)) |
| Busey | Glia voice-AI virtual assistants | 61.5% of calls handled; wrap-up time down 50% | February 2026 ([The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883)) |
| Banc of California | AI in developers' daily workflows | More than 80% of developers | April 2026 ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| Central Bancompany | Personetics AI money-management insights | 32.5 million insights; 29% digital engagement (vendor-reported) | April 2026 ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |
| ServisFirst | Covecta agentic AI selected for operational workflows | Not yet disclosed | September 2026 ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Commerce | An AI pillar in its enterprise data strategy and an AI roadmap | Not disclosed | February 2026 ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) |

## Who owns AI at Enterprise and at its peers?

The AI executive or governance body each bank names.

| Bank | AI owner or body | Detail | Date |
| --- | --- | --- | --- |
| Enterprise | None named for AI | Operations Technology Committee reports into the board Risk Committee; CISO leads security under the chief administrative officer | February 2026 ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm)) |
| CVB Financial | AI Governance Council | Six seats: COO as chair, CIO, CISO, HR director, deputy chief credit officer, associate general counsel | April 2026 ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm)) |
| Busey | Director of AI, data science and insights | Adrianne Bernini, hired April 2026; AI in the CFO's remit | April and July 2026 ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm)) |
| UMB | Board Risk Committee and the TOPS committee | Emerging technology including AI overseen within enterprise risk | February and March 2026 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm)) |
| Western Alliance | Enterprise AI programme | 15 AI use cases identified; top five to be costed into 2027 plans | September 2026 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |

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

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

| Bank | Technology spend or platform | Figure | Period |
| --- | --- | --- | --- |
| Enterprise | Core conversion completed October 2024; branch acquisition integrated | Core-conversion expense fell $4.9 million in 2025; core efficiency ratio 59.3% | 2025 ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm)) |
| Western Alliance | Technology investment | About $250 million over 2024 to 2026; 10% of revenue | May 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| Banc of California | Information technology and data processing | $55.5 million in 2025 | 2025 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm)) |
| Commerce | Data processing and software | $38.2 million in Q2 2026, up 16.2% | Q2 2026 ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm)) |
| Central Bancompany | TCS BaNCS core modernization | $12 million capitalized to date | June 2026 ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| CVB Financial | Computer software expense | $17.1 million in 2025, up 12.07% | 2025 ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526083221/cvbf-20251231.htm)) |

## 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.

| Bank | Client tool | Figure or detail | Date |
| --- | --- | --- | --- |
| Enterprise | AppFolio Stack integration; digital banking Virtual Assistant; Enterprise University AI and Copilot courses | First banking partner in the AppFolio Stack Marketplace; more than 30 no-cost courses in fall 2026 | August and September 2026 ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership), [Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant), [Enterprise Bank & Trust](https://enterprisebank.com/eu)) |
| Commerce | Commercial card; digital banking | $9.9 billion of commercial card volume in 2025; 82% digital penetration | 2025 ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |
| Banc of California | BancEdge payments platform; SmartStreet for community associations | Payments head hired February 2026 to scale merchant acquiring | 2026 ([Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/banc-of-california-appoints-chris-healy-as-executive-director-head-of-payments)) |
| Central Bancompany | Personetics insights; AI-enabled cash-flow forecasting | 32.5 million insights delivered (vendor-reported) | March and April 2026 ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm)) |
| Western Alliance | AI fraud scoring for class-action settlement payments (Digital Disbursements) | 723 million+ fraudulent claims prevented in 2024 | April 2025 ([Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf)) |

## 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.

## Common questions

### 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. ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html))

### 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. ([Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883))

### 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. ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### 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. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm))

### 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. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000108/efsc-20260331.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000146/efsc-20260630.htm))

### 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. ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm))

### 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. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000119/efscfixedincomeinvestord.htm))

### 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. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative))

### 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. ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/eu))

## Peers on this site

- [First Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) · [vs peers](https://www.bankingnewsai.com/banks/busey/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [ServisFirst Bancshares AI strategy](https://www.bankingnewsai.com/banks/servisfirst) · [vs peers](https://www.bankingnewsai.com/banks/servisfirst/vs-peers)
- [CVB Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/cvb-financial) · [vs peers](https://www.bankingnewsai.com/banks/cvb-financial/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [Banc of California AI strategy](https://www.bankingnewsai.com/banks/banc-of-california) · [vs peers](https://www.bankingnewsai.com/banks/banc-of-california/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)

## Sources

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73. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
74. ServisFirst Bank partners Covecta to deploy AI agents — FinTech Futures, Sep 15, 2026. https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents
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89. Commerce Bancshares, Inc. At a Glance (data as of June 30, 2026) — Commerce Bancshares, Jul 27, 2026. https://commercebank.com/-/media/cb/pdf/about-us/commerce-bancshares-inc-at-a-glance.pdf
90. Banc of California Appoints Chris Healy as Executive Director, Head of Payments — Banc of California, Feb 17, 2026. https://bancofcal.com/about-us/newsroom/banc-of-california-appoints-chris-healy-as-executive-director-head-of-payments

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