# FB Financial Corporation (FirstBank) vs peers: AI and technology compared

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

*Part of the [FB Financial Corporation (FirstBank) AI strategy profile](https://www.bankingnewsai.com/banks/fb-financial). Peer group: Renasant Corporation, Trustmark Corporation, ServisFirst Bancshares, Simmons First National Corporation, Home BancShares (Centennial Bank), United Community Banks, Ameris Bancorp, First Horizon, Pinnacle Financial Partners.*

## How does FB Financial Corporation (FirstBank) compare with its peers on AI and technology?

On this site's AI disclosure index FB Financial, parent of Nashville's FirstBank, scores 3.5 (#107 of 120 US banks), eighth in a ten-bank Southeast group led by First Horizon (68.7) and Pinnacle (65.3), its two larger Tennessee rivals, and close to Simmons (3.6), Home BancShares (3.5) and Renasant (2.4) at the bottom of the group. Its low score reflects a deliberately narrow use. FirstBank's 2025 10-K says it makes 'limited use' of AI, including generative AI, for research, drafting and data summarization, and does not rely on it for credit decisions, pricing or transaction approvals. In April 2026 its CFO said no significant technology investments were planned, and its first AI exchange on an earnings call came on October 13, 2026, when CEO Christopher Holmes said banks' main AI applications will be in efficiency. The Tennessee rivals have gone further on the record. First Horizon's ChatFHN had been in production about 15 months by June 2026, and it has a $100 million three-year technology programme. Pinnacle names a head of AI and almost 20 AI engineers (July 2026), and its ChatPFP assistant had answered 18,000 banker questions. ServisFirst selected Covecta for agentic AI in September 2026. Where FirstBank competes is execution and service. It converted Southern States two months after closing, on September 2, 2025; Pinnacle's Synovus customers move to a new app in March 2027. J.D. Power ranked it first for retail banking satisfaction in the South Central region in March 2026. ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm), [GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/fb-financial-corp-fbk-q1-070112879.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/payments/news/first-horizons-earnings-slip-after-portfolio-restructuring), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fb-financial-q3-2025-beats-eps-expectations-93CH-4286717), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [Business Wire (FirstBank)](https://www.businesswire.com/news/home/20260331901364/en/FirstBank-Ranked-1-In-JD-Power-Retail-Banking-Satisfaction-Study-for-South-Central-Region))

## Where does FirstBank lead its peers on AI?

- **Clear limits on AI use, written into the 10-K.** FirstBank's 2025 10-K confines AI to 'controlled, non-critical administrative or productivity-support purposes' and rules out credit decisions, pricing and transaction approvals. Renasant's earnings calls carried no AI remark in eight quarters to Q2 2026, and Trustmark's FY2025 annual report mentions AI five times, all in economic or market commentary. ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-renasant-beats-q2-2026-eps-forecast-revenue-misses-93CH-4820923), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm))
- **A two-month systems conversion, faster than its rivals' integrations.** FirstBank closed Southern States on July 1, 2025 and converted it over Labor Day weekend, opening as one bank on September 2. Pinnacle's Synovus customers, more than 200,000 of them, are scheduled to move to a new banking app in March 2027, more than a year after the January 2026 merger. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fb-financial-q3-2025-beats-eps-expectations-93CH-4286717), [American Banker](https://americanbanker.com/news/need-for-speed-faster-deal-timelines-may-spur-more-bank-m-a), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion))
- **More outside coverage than most of the group.** FirstBank has 7 independent sources on its record, 3rd of 10 behind First Horizon and Pinnacle (group median 5), including American Banker on its deal speed and branch pace and The Financial Brand on its data-led marketing with vendor OptimaFI (February 2026). ([American Banker](https://americanbanker.com/news/need-for-speed-faster-deal-timelines-may-spur-more-bank-m-a), [American Banker](https://americanbanker.com/news/fb-maintains-brisk-branch-expansion-pace-in-wake-of-deal), [The Financial Brand](https://thefinancialbrand.com/news/bank-marketing/to-win-against-the-big-banks-smaller-institutions-must-stop-playing-defense-and-go-on-the-offensive-195565))

## Where does FirstBank trail its peers on AI?

- **No internal AI assistant while First Horizon and Pinnacle run theirs.** FirstBank names no AI tool. First Horizon's ChatFHN drafts documents and answers policy questions and had been in production about 15 months by June 2026; Pinnacle's ChatPFP had answered 18,000 banker questions and saved over 3,000 hours by April 2026. ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript))
- **No AI leader, after its innovation chief left.** FirstBank's 2026 proxy lists no chief technology, data or AI officer, and its chief innovations officer moved to an ICBA advisory role in January 2026 with no successor named. Pinnacle names head of AI Kevin Johnson and almost 20 AI engineers; First Horizon has about 10 internal teams working on AI. ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000027/fbk-20260406.htm), [ICBA](https://www.icba.org/w/icba-engages-digital-assets-expert-to-inform-solutions-and-banker-education), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462))
- **No new technology spending planned.** FirstBank's CFO said in April 2026 that no significant technology investments were planned. First Horizon committed $100 million over three years to technology after the TD deal ended, and United Community's communications and equipment expense rose 12% in 2025 on new software contracts. ([GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/fb-financial-corp-fbk-q1-070112879.html), [American Banker](https://www.americanbanker.com/payments/news/first-horizons-earnings-slip-after-portfolio-restructuring), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm))
- **Fewer dated moves than the group.** FirstBank's profile records 13 dated AI or technology moves in the last twelve months, 9th of 10 against a median of 17; First Horizon records 22 and Pinnacle 21, including Pinnacle's 13 AI portfolio initiatives in flight (April 2026). ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript))

## Where does FirstBank 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| [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)) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | [38.7](https://www.bankingnewsai.com/banks/ai-index) | #75 of 120 | [4](https://www.bankingnewsai.com/banks/united-community#sources) | [27](https://www.bankingnewsai.com/banks/united-community#sources) | [8 of 13](https://www.bankingnewsai.com/banks/united-community#where) | [21](https://www.bankingnewsai.com/banks/united-community#timeline) | Not disclosed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | [20.7](https://www.bankingnewsai.com/banks/ai-index) | #97 of 120 | [2](https://www.bankingnewsai.com/banks/ameris#sources) | [18](https://www.bankingnewsai.com/banks/ameris#sources) | [9 of 11](https://www.bankingnewsai.com/banks/ameris#where) | [14](https://www.bankingnewsai.com/banks/ameris#timeline) | Not disclosed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | [18.7](https://www.bankingnewsai.com/banks/ai-index) | #98 of 120 | [3](https://www.bankingnewsai.com/banks/trustmark#sources) | [14](https://www.bankingnewsai.com/banks/trustmark#sources) | [6 of 10](https://www.bankingnewsai.com/banks/trustmark#where) | [17](https://www.bankingnewsai.com/banks/trustmark#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [FB Financial Corporation (FirstBank) (this page)](https://www.bankingnewsai.com/banks/fb-financial) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #107 of 120 | [7](https://www.bankingnewsai.com/banks/fb-financial#sources) | [16](https://www.bankingnewsai.com/banks/fb-financial#sources) | [9 of 12](https://www.bankingnewsai.com/banks/fb-financial#where) | [13](https://www.bankingnewsai.com/banks/fb-financial#timeline) | Not disclosed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#timeline) | Not disclosed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | [2.4](https://www.bankingnewsai.com/banks/ai-index) | #111 of 120 | [2](https://www.bankingnewsai.com/banks/renasant#sources) | [24](https://www.bankingnewsai.com/banks/renasant#sources) | [12 of 12](https://www.bankingnewsai.com/banks/renasant#where) | [12](https://www.bankingnewsai.com/banks/renasant#timeline) | Not disclosed |

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

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

| Component (weight) | FirstBank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 5 | [First Horizon (17)](https://www.bankingnewsai.com/banks/first-horizon) | 3rd of 10 |
| Use cases in production (10%) | 9 | 8 | [Renasant (12)](https://www.bankingnewsai.com/banks/renasant) | 2nd of 10 |
| Own primary disclosures (10%) | 16 | 17 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 7th of 10 |
| Dated moves, last 12 months (10%) | 13 | 17 | [First Horizon (22)](https://www.bankingnewsai.com/banks/first-horizon) | 9th of 10 |
| Disclosed numbers (5%) | 11 | 12 | [Centennial Bank (16)](https://www.bankingnewsai.com/banks/home-bancshares) | 8th of 10 |
| Named AI leaders (5%) | 5 | 6 | [First Horizon (13)](https://www.bankingnewsai.com/banks/first-horizon) | 6th of 10 |
| Use cases described (5%) | 12 | 11 | [First Horizon (16)](https://www.bankingnewsai.com/banks/first-horizon) | 3rd of 10 |

## What has each bank in FirstBank'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 |
| --- | --- | --- | --- | --- | --- |
| [FB Financial Corporation (FirstBank)](https://www.bankingnewsai.com/banks/fb-financial) | Not disclosed | [5, incl. Christopher T. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/fb-financial#people) ([FirstBank](https://www.firstbankonline.com/firstbank-ranked-1-in-jd-power-retail-banking-satisfaction-study-for-south-central-region/), [FB Financial (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202607131615BIZWIRE_USPRX____20260713_BW022911-1)) | Not disclosed | Not disclosed | Not surveyed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Not disclosed | [2, incl. Kevin D. Chapman (President and CEO)](https://www.bankingnewsai.com/banks/renasant#people) ([Renasant Corporation](https://investors.renasant.com/node/25476/pdf), [Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html)) | Full-time equivalent employees, Renasant plus The First: mid-2024 vs 31 March 2026: ≈ 3,400 vs ≈ 2,950 (down 450) (Apr 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript)) | Not disclosed | Not surveyed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | Not disclosed | [5, incl. Duane A. Dewey (President and CEO)](https://www.bankingnewsai.com/banks/trustmark#people) ([Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [American Banker](https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo)) | Mentions of AI or artificial intelligence in the annual report, FY2024 / FY2025: 0 / 5, all in economic or market commentary (Feb 23, 2026) ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) | 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 |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#roles) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | Not disclosed | [6, incl. Lynn Harton (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/united-community#people) ([United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment), [United Community Banks (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Not disclosed | Not surveyed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Not disclosed | [9, incl. Palmer Proctor (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ameris#people) ([Ameris Bancorp](https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) | Full-time-equivalent employees: 2,673 (Dec 31, 2025) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm)) | Not disclosed | [1 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/ameris#roles) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of FirstBank 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 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 13, 2026 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | Q3 2026 results and call: first AI exchange on a call ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/a3q26pressreleasetablesfor.htm)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 18, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| Sep 17, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Vendor StrategyCorps buys AI-native Quantuma ([StrategyCorps (PR Newswire)](https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html)) |
| Sep 16, 2026 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | Commercial fraud guidance published ([FirstBank](https://www.firstbankonline.com/commercial-business-protection/)) |
| 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 14, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Named as a Microsoft Copilot adopter ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| 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 7, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| Aug 5, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 2026 10-Q: AI references remain macro commentary ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm)) |
| Aug 5, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Q2 2026 10-Q repeats the two AI references ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-20260630.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| Jul 29, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 call: FIS-supported platforms replace self-supported core ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |
| Jul 24, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 call: no AI discussion ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964)) |

## How does FirstBank's internal AI use compare with its Southeast peers'?

The internal AI each bank has disclosed, with the usage it reports. A blank means nothing is disclosed, not that nothing exists.

| Bank | Internal AI tool or use | Usage or result disclosed | Date |
| --- | --- | --- | --- |
| FirstBank | Generative AI for research, drafting and data summarization only; none in credit, pricing or approvals | Not disclosed | February 2026 ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm)) |
| First Horizon | ChatFHN; an AI file-organization tool | About 15 months in production; 2 to 3 minutes saved per document | June and October 2026 ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Pinnacle | ChatPFP; 13 AI portfolio initiatives | 18,000 banker questions answered; 3,000+ hours saved | April 2026 ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) |
| ServisFirst | Covecta agentic AI in operational workflows | Selected; no result yet | September 2026 ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| United Community | Vendors' AI in fraud prevention | Fraud losses down 50% over two years, partly from vendors' AI | April 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |

## Who leads AI at FirstBank and at its Tennessee rivals?

The AI owner each bank names and the scale of its AI team.

| Bank | AI owner | AI team disclosed | Date |
| --- | --- | --- | --- |
| FirstBank | None named; IT and data management sit with the Chief Business and Operations Officer | Not disclosed | April 2026 ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000027/fbk-20260406.htm)) |
| Pinnacle | Kevin Johnson, head of AI | Almost 20 AI engineers; 40 power users | July 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| First Horizon | CIO leading about 800 technology associates and contractors | About 10 internal teams working on AI; an AI ideas contest that produced 100 ideas | February to September 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/mohan-sankararaman), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |

## How fast has FirstBank integrated its acquisition compared with its peers?

The deal each bank has been absorbing and how its systems conversion went, as reported.

| Bank | Deal | Scale | Closed; converted |
| --- | --- | --- | --- |
| FirstBank | Southern States Bancshares | $2.83 billion of assets; $368.4 million | July 1, 2025; September 2, 2025 ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fb-financial-q3-2025-beats-eps-expectations-93CH-4286717)) |
| Pinnacle | Synovus merger | $8.6 billion; more than 200,000 customers moving to a new app | January 1, 2026; March 2027 (app) ([Reuters](https://www.reuters.com/legal/transactional/pinnacle-financial-partners-synovus-financial-merge-86-billion-deal-2025-07-24/), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Renasant | The First Bancshares | About $7.6 billion of assets; 116 locations | April 1, 2025 ([SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf)) |
| United Community | Peach State Bancshares; Navitas sale | $100.8 million; about $2.0 billion of sale proceeds | 2026 ([American Banker](https://www.americanbanker.com/news/ucb-to-add-heft-near-atlanta-with-latest-bank-deal), [United Community Banks](https://ir.ucbi.com/node/23736/pdf)) |

## How does FirstBank's customer experience compare with its peers'?

Where FirstBank competes instead of on AI: service ratings and digital tools, as each bank reports them.

| Bank | Rating or digital measure | Detail | Date |
| --- | --- | --- | --- |
| FirstBank | J.D. Power: #1 in retail banking satisfaction, South Central region | Based on feedback from more than 100,000 retail banking customers; Insights budgeting tool in the app | March 2026 ([Business Wire (FirstBank)](https://www.businesswire.com/news/home/20260331901364/en/FirstBank-Ranked-1-In-JD-Power-Retail-Banking-Satisfaction-Study-for-South-Central-Region), [FirstBank](https://firstbankonline.com/personal-banking/personal-online-and-mobile/insights)) |
| United Community | J.D. Power Southeast satisfaction awards | 12 in 17 years | March 2026 ([United Community](https://ucbi.com/news-and-press-releases/press-release-archive/(clone)-12th-jd-power-award-in-17-years)) |
| Regions | Active mobile users | 2.7 million; in-house app with personalized insights | 2026 ([PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1)) |
| Pinnacle | New banking app for Synovus customers | More than 200,000 customers moving in March 2027 | October 2026 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |

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

FB Financial Corporation (FirstBank) is compared here with Renasant Corporation, Trustmark Corporation, ServisFirst Bancshares, Simmons First National Corporation, Home BancShares (Centennial Bank), United Community Banks, Ameris Bancorp, First Horizon and Pinnacle Financial Partners: chosen by the editors for this page (see the note below the table). FB Financial Corporation (FirstBank) is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in Banner (Washington), NBT (New York), First United (Oklahoma) and WesBanco, none of which operate in FirstBank's markets; this group holds Southeast regionals of similar size and adds Nashville's Pinnacle and Memphis-based First Horizon, the two larger Tennessee banks FirstBank meets in its home state.

## Common questions

### Is FirstBank behind Pinnacle on AI?

On the public record, yes: Pinnacle scores 65.3 on this site's disclosure index and FirstBank 3.5. Pinnacle names a head of AI, almost 20 AI engineers and a ChatPFP assistant that had answered 18,000 banker questions. FirstBank says its AI use is limited to administrative support and names no tool or leader. ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm))

### Does FirstBank use AI for lending decisions?

No. Its 2025 10-K says it does not rely on AI for credit decisions, pricing or transaction approvals and uses generative AI only for controlled, non-critical work such as research, drafting and data summarization. AI may also be embedded in third-party software it uses. ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm))

### Does FirstBank have an AI chatbot or virtual assistant?

None is disclosed. Its app offers an Insights tool for spending categories, budgets and net worth, alongside Zelle and mobile wallets. Among Tennessee rivals, First Horizon's ChatFHN is an internal tool for employees; neither bank discloses a customer-facing AI assistant on its profile. ([FirstBank](https://firstbankonline.com/personal-banking/personal-online-and-mobile/insights), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking))

### How does FirstBank compare with First Horizon on technology?

First Horizon scores 68.7 on this site's index against FirstBank's 3.5. It runs ChatFHN, a Databricks Enterprise Data Hub with more than 35 data sources onboarded, and a $100 million three-year technology programme. FirstBank's 10-K describes upgrades to its loan origination and BSA/AML platforms and data-quality work for 'more advanced analytics'. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ), [American Banker](https://www.americanbanker.com/payments/news/first-horizons-earnings-slip-after-portfolio-restructuring), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm))

### What did FirstBank's CEO say about AI?

On the October 13, 2026 call, asked whether AI could change deposit pricing, Christopher Holmes said a lot of banks' primary AI applications will be in efficiency, meaning how efficiently the bank transacts and carries out its business. It was the first AI exchange on a FirstBank call in the quarters this site checked. ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript))

### How does FirstBank's technology spending compare with its peers'?

FirstBank does not disclose a technology budget, and its CFO said in April 2026 that no significant technology investments were planned. First Horizon committed $100 million over three years; United Community's communications and equipment expense rose 12% to $55.2 million in 2025. ([GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/fb-financial-corp-fbk-q1-070112879.html), [American Banker](https://www.americanbanker.com/payments/news/first-horizons-earnings-slip-after-portfolio-restructuring), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm))

### Is ServisFirst ahead of FirstBank on AI?

On the record, yes: ServisFirst selected Covecta in September 2026 to embed agentic AI into operational workflows and scores 39.7 on this site's index against FirstBank's 3.5. Both are commercially focused Southeast banks; FirstBank names fintech partnerships for 'financial solutions supported by artificial intelligence' as part of its strategy without naming one. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm))

### How does FirstBank compare with United Community on technology?

United Community scores 38.7 on this site's index against FirstBank's 3.5. It says fraud losses fell 50% over two years, partly thanks to vendors' AI, and its communications and equipment expense rose 12% in 2025 on new software contracts. Both banks compete on service: United Community has won 12 J.D. Power Southeast awards in 17 years, and FirstBank ranked first in the South Central region in 2026. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [United Community](https://ucbi.com/news-and-press-releases/press-release-archive/(clone)-12th-jd-power-award-in-17-years), [Business Wire (FirstBank)](https://www.businesswire.com/news/home/20260331901364/en/FirstBank-Ranked-1-In-JD-Power-Retail-Banking-Satisfaction-Study-for-South-Central-Region))

### Does FirstBank use AI to fight fraud?

Its 2024 10-K listed 'AI-based monitoring tools' among that year's technology upgrades, and its 2025 10-K reports upgrades to its BSA/AML platform without saying whether it uses AI. Its September 2026 fraud guidance for business customers points to dual control, multi-factor authentication and Positive Pay with Payee Match rather than AI detection. ([FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974925000035/fbk-20241231.htm), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm), [FirstBank](https://www.firstbankonline.com/commercial-business-protection/))

## Peers on this site

- [Renasant Corporation AI strategy](https://www.bankingnewsai.com/banks/renasant) · [vs peers](https://www.bankingnewsai.com/banks/renasant/vs-peers)
- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) · [vs peers](https://www.bankingnewsai.com/banks/trustmark/vs-peers)
- [ServisFirst Bancshares AI strategy](https://www.bankingnewsai.com/banks/servisfirst) · [vs peers](https://www.bankingnewsai.com/banks/servisfirst/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)

## Sources

1. FB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — FB Financial (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm
2. FB Financial Corp (FBK) Q1 2026 Earnings Call Highlights: Strong Capital Position Amid ... — GuruFocus (Yahoo Finance), Apr 15, 2026. https://finance.yahoo.com/news/fb-financial-corp-fbk-q1-070112879.html
3. FB Financial (FBK) Q3 2026 Earnings Call Transcript — The Motley Fool (earnings call transcript), Oct 13, 2026. https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript
4. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
5. First Horizon plots a tech shift for 2025 — American Banker, Jan 16, 2025. https://www.americanbanker.com/payments/news/first-horizons-earnings-slip-after-portfolio-restructuring
6. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
7. Pinnacle Financial Partners (PNFP) Q2 FY2026 earnings call transcript — Yahoo Finance (earnings call transcript), Jul 23, 2026. https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html
8. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
9. ServisFirst Bank Selects Covecta to Deploy Agentic AI Across its Operations — ServisFirst Bank, Sep 10, 2026. https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations
10. Earnings call transcript: FB Financial Q3 2025 beats EPS expectations — Investing.com, Oct 14, 2025. https://investing.com/news/transcripts/earnings-call-transcript-fb-financial-q3-2025-beats-eps-expectations-93CH-4286717
11. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
12. FirstBank Ranked #1 In JD Power Retail Banking Satisfaction Study for South Central Region — Business Wire (FirstBank), Mar 31, 2026. https://www.businesswire.com/news/home/20260331901364/en/FirstBank-Ranked-1-In-JD-Power-Retail-Banking-Satisfaction-Study-for-South-Central-Region
13. Earnings call transcript: Renasant beats Q2 2026 EPS forecast, revenue misses — Investing.com, Jul 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-renasant-beats-q2-2026-eps-forecast-revenue-misses-93CH-4820923
14. Trustmark Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Trustmark Corporation (SEC filings), Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm
15. Need for speed: Faster deal timelines may spur more bank M&A — American Banker, Aug 20, 2025. https://americanbanker.com/news/need-for-speed-faster-deal-timelines-may-spur-more-bank-m-a
16. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion
17. FB maintains brisk branch expansion pace in wake of deal — American Banker, Apr 16, 2025. https://americanbanker.com/news/fb-maintains-brisk-branch-expansion-pace-in-wake-of-deal
18. To Win Against the Big Banks, Smaller Institutions Must Go on the Offensive — The Financial Brand, Feb 4, 2026. https://thefinancialbrand.com/news/bank-marketing/to-win-against-the-big-banks-smaller-institutions-must-stop-playing-defense-and-go-on-the-offensive-195565
19. FB Financial Corporation 2026 Proxy Statement (Schedule 14A) — FB Financial (SEC filings), Apr 6, 2026. https://www.sec.gov/Archives/edgar/data/1649749/000164974926000027/fbk-20260406.htm
20. ICBA Engages Digital Assets Expert to Inform Solutions and Banker Education — ICBA, Jan 7, 2026. https://www.icba.org/w/icba-engages-digital-assets-expert-to-inform-solutions-and-banker-education
21. First Horizon at Bank of America Conference: Strategic Growth Focus (transcript) — Investing.com, Feb 11, 2026. https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462
22. United Community Banks, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — United Community Banks (SEC filings), Feb 17, 2026. https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm
23. First Horizon at Barclays conference: push for deeper banking ties — Investing.com, Sep 15, 2026. https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760
24. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
25. Pinnacle points to new hires as proof that merger is working — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working
26. AI and Treasury Management: More Opportunity, More Risk — Pinnacle Financial Partners, Jun 1, 2026. https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/
27. ServisFirst Bancshares, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — ServisFirst Bancshares (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm
28. FirstBank Ranked #1 in JD Power Retail Banking Satisfaction Study for South Central Region — FirstBank, Apr 22, 2026. https://www.firstbankonline.com/firstbank-ranked-1-in-jd-power-retail-banking-satisfaction-study-for-south-central-region/
29. FB Financial Corporation Reports Second Quarter 2026 Financial Results — FB Financial (Business Wire via FT), Jul 13, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607131615BIZWIRE_USPRX____20260713_BW022911-1
30. Renasant Corporation Announces Earnings for the First Quarter of 2026 and an Increase in Its Quarterly Dividend — Renasant Corporation, Apr 28, 2026. https://investors.renasant.com/node/25476/pdf
31. Renasant Corporation Announces Earnings for the Second Quarter of 2026 — Renasant Corporation (GlobeNewswire), Jul 28, 2026. https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html
32. Renasant (RNST) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 29, 2026. https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript
33. Trustmark Corporation Announces Second Quarter 2026 Financial Results — Trustmark Corporation (Business Wire via Yahoo Finance), Jul 28, 2026. https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html
34. Trustmark promotes exec, setting him up as potential next CEO — American Banker, Mar 31, 2026. https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo
35. Trustmark Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — Trustmark Corporation (SEC filings), Feb 19, 2025. https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm
36. ServisFirst Bancshares, Inc. Announces Results for Second Quarter of 2026 — ServisFirst Bancshares (GlobeNewswire), Jul 20, 2026. https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html
37. Alabama's ServisFirst expands beyond Southeast into Texas — American Banker, Dec 16, 2025. https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas
38. Simmons First National Corporation Reports Second Quarter Results — Simmons First National, Jul 16, 2026. https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results
39. Simmons Bank hires new leaders to boost organic growth — American Banker, Feb 2, 2026. https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth
40. Simmons First National Corporation 2026 Proxy Statement (Schedule 14A) — Simmons First National (SEC filings), Apr 8, 2026. https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm
41. Home ends dry spell with $150M deal for Tennessee bank — American Banker, Dec 8, 2025. https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank
42. Record Revenue and Successful Mountain Commerce Bancorp Acquisition Drive Strong Second Quarter Results for HOMB — Home BancShares (GlobeNewswire), Jul 15, 2026. https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html
43. Home BancShares, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2023 — Home BancShares (SEC filings), Feb 26, 2024. https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm
44. Home BancShares, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — Home BancShares (SEC filings), Feb 27, 2025. https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm
45. Home BancShares, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Home BancShares (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm
46. United Community Banks, Inc. 2025 Annual Report — United Community Banks, Mar 31, 2026. https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760
47. United Community Banks, Inc. Announces Agreement to Sell Equipment Finance Business, Consisting of Navitas Credit Corp. and NLFC Reinsurance Corp., to Funds Managed by Wafra Inc. — United Community Banks, Jun 12, 2026. https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment
48. United Community Banks, Inc. Reports Second Quarter Earnings — United Community Banks (GlobeNewswire), Jul 21, 2026. https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html
49. United Community Banks first-quarter 2026 earnings call transcript (filed under Rule 425) — United Community Banks (SEC filings), Apr 21, 2026. https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm
50. Ameris Bancorp Announces First Quarter 2026 Financial Results — Ameris Bancorp, Apr 23, 2026. https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results
51. Ameris (ABCB) Q1 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 24, 2026. https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html
52. Ameris Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Ameris Bancorp (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm
53. First Horizon keeps options open amid M&A uptick — Banking Dive, Oct 15, 2025. https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/
54. First Horizon (FHN) Q1 2026 Earnings Transcript — Yahoo Finance, Apr 15, 2026. https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html
55. Pinnacle Financial, Synovus name leadership team to steer combined bank — Reuters, Aug 21, 2025. https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/
56. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript
57. Home BancShares (HOMB) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 15, 2026. https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript
58. Home BancShares Reports Record Third Quarter Net Income, Bringing the Company Closer to a Half-Billion-Dollar Year — Home BancShares (GlobeNewswire), Oct 14, 2026. https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html
59. FB Financial Corporation Reports Third Quarter 2026 Financial Results (Exhibit 99.1) — FB Financial (SEC filings), Oct 13, 2026. https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/a3q26pressreleasetablesfor.htm
60. The Most Powerful Women in Banking Women to Watch, #10, Tammy LoCascio, First Horizon — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon
61. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
62. Simmons First National Corporation to Host Investor Day — Simmons First National, Sep 22, 2026. https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day
63. Protect Your Business from Payment Fraud and Account Takeover — United Community, Sep 18, 2026. https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover
64. StrategyCorps Acquires Quantuma, an AI-Native Relationship Solution for Commercial Banking — StrategyCorps (PR Newswire), Sep 17, 2026. https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html
65. Commercial Customer Business Protection — FirstBank, Sep 16, 2026. https://www.firstbankonline.com/commercial-business-protection/
66. 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
67. Banks' wealth units pursue AI — carefully — ABA Banking Journal, Sep 14, 2026. https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/
68. Ameris Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Ameris Bancorp (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm
69. Trustmark Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Trustmark Corporation (SEC filings), Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm
70. Renasant Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Renasant Corporation (SEC filings), Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-20260630.htm
71. Pinnacle Financial Partners, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Pinnacle Financial Partners (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm
72. Earnings call transcript: Trustmark tops Q2 2026 estimates as conversion ends — Investing.com, Jul 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777
73. Earnings call transcript: Ameris Bancorp posts Q2 2026 EPS miss as shares fall — Investing.com, Jul 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964
74. Mohan Sankararaman, Executive Vice President and Chief Information Officer, First Horizon (Digital Banking speaker profile) — American Banker, Apr 27, 2026. https://digital-banking.americanbanker.com/profile/mohan-sankararaman
75. Pinnacle Financial Partners, Synovus Financial to merge in $8.6 billion deal — Reuters, Jul 24, 2025. https://www.reuters.com/legal/transactional/pinnacle-financial-partners-synovus-financial-merge-86-billion-deal-2025-07-24/
76. Renasant Corporation 2025 Annual Report — SEC EDGAR, Mar 16, 2026. https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf
77. UCB to add heft near Atlanta with latest bank deal — American Banker, Apr 21, 2026. https://www.americanbanker.com/news/ucb-to-add-heft-near-atlanta-with-latest-bank-deal
78. United Community Banks, Inc. Announces Completion of Sale of Navitas Equipment Finance Business to Funds Managed by Wafra Inc. — United Community Banks, Sep 1, 2026. https://ir.ucbi.com/node/23736/pdf
79. Financial Insights Tool — FirstBank, Jun 12, 2026. https://firstbankonline.com/personal-banking/personal-online-and-mobile/insights
80. United Community Earns 12th JD Power Award in 17 Years — United Community, Mar 26, 2026. https://ucbi.com/news-and-press-releases/press-release-archive/(clone)-12th-jd-power-award-in-17-years
81. Regions Bank's Mobile Upgrade Drives Digital Transactions to 80% — PYMNTS, Jul 17, 2026. https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/
82. Regions Bank Launches Personalized Insights for Mobile Banking Customers — Business Wire via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1
83. Blueprint to Breakthrough: Activating Banking Analytics, AI, and Agentic Use Cases (First Horizon, Deloitte and Databricks session) — Databricks, Sep 15, 2026. https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ
84. FB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — FB Financial (SEC filings), Feb 25, 2025. https://www.sec.gov/Archives/edgar/data/1649749/000164974925000035/fbk-20241231.htm

---

Canonical page: https://www.bankingnewsai.com/banks/fb-financial/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.