# First Horizon vs peers: AI and technology compared

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

*Part of the [First Horizon AI strategy profile](https://www.bankingnewsai.com/banks/first-horizon). Peer group: Pinnacle Financial Partners, Regions Financial, SouthState Bank, Hancock Whitney, First Citizens BancShares, Truist Financial, Huntington Bancshares, Fifth Third Bancorp.*

## How does First Horizon compare with its peers on AI and technology?

On this site's AI disclosure index First Horizon scores 68.7 (#36 of 120 US banks), sixth in a nine-bank group drawn from the competitors its own 10-K names. Four larger banks lead it: Huntington (84.2), Fifth Third (84), Regions (83.8) and Truist (82.6). SouthState (70.9) is just ahead, First Citizens (67.7) is level with it, and Pinnacle (65.3) and Hancock Whitney (37.4) trail. First Horizon's strength is internal and data-led. Its ChatFHN assistant had been in production for about 15 months by June 2026 and is now in every employee's hands, and its CIO runs a Databricks Enterprise Data Hub with more than 35 data sources onboarded (September 2026). The CFO calls fraud the bank's number one AI use case. Its gap is the customer. First Horizon is still building a proprietary customer-facing digital platform, announced in September 2025. Truist Assist resolved 81% of client inquiries in the third quarter of 2025, Regions rebuilt its app in-house in July 2025, and Fifth Third added an AI-powered interface to its app in June 2026. It is also cautious about the payoff: in April 2026 the CFO said no AI savings sit inside its $100 million revenue-growth target. Huntington, by contrast, counts 50 AI agents in production and more than 60 in development. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))

## Where does First Horizon lead its peers on AI?

- **A data platform described in more detail than any peer's.** First Horizon's CIO has set out a Databricks-based Enterprise Data Hub with more than 35 sources, a governed data marketplace targeting 100+ data products and a multi-agent layer with Genie for plain-language queries (June and September 2026). Pinnacle, by comparison, describes a head of AI and almost 20 AI engineers but no named data platform. ([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), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html))
- **An internal assistant in everyone's hands.** ChatFHN, in production since early 2025, is now in every employee's hands, the CEO said in September 2026. Pinnacle's ChatPFP had answered 18,000 banker questions by April 2026; SouthState reports 2,500+ premium Copilot users. ([Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [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), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))
- **More independent coverage than most regional peers.** First Horizon scores 17 on independent sources, ahead of SouthState (12), Pinnacle (12), First Citizens (11) and Hancock Whitney (4); American Banker ranked its CIO No. 36 among the most innovative people in banking in June 2026. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [First Horizon (PR Newswire)](https://prnewswire.com/news-releases/first-horizon-congratulates-mohan-sankararaman-on-american-bankers-most-innovative-people-in-finance-honor-302817200.html))
- **Fraud rules coded in a day or two.** First Horizon uses AI to build detection rules for treasury-management payments in a day or two when a new fraud scheme appears, and the CFO calls fraud the bank's number one AI use case (March 2026). Hancock Whitney's fraud record is a letter to Mississippi senators warning that scams exploit AI and voice cloning. ([Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376), [FDIC](https://www.fdic.gov/federal-register-publications/hancock-whitney-bank-jennifer-ng-rin-3064-za49.pdf))

## Where does First Horizon trail its peers on AI?

- **No customer AI assistant while Truist, Fifth Third and Regions ship theirs.** First Horizon's customer-facing digital platform is still under construction (September 2025). Truist Assist resolved 81% of client inquiries in 3Q25; Fifth Third's Jeanie won a 2026 best-chatbot award and its app gained an AI-powered interface in June 2026; Regions launched an in-house app in July 2025. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/))
- **Fewest own disclosures in the group.** First Horizon places 9th of 9 on its own primary AI disclosures (13 against a median of 17); its Q1 and Q2 2026 10-Qs contain no reference to artificial intelligence, and its AI detail sits in the 10-K, proxy and calls. Truist puts 'AI in action' metrics in its earnings decks. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000112/fhn-20260331.htm), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000155/fhn-20260630.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm))
- **Fewer AI use cases in production than the large regionals.** First Horizon's profile records 7 AI use cases in production, 8th of 9; Huntington records 15, Regions and Truist 13. Truist says it deployed more than 50 AI use cases in 2025 and Huntington had 50 AI agents in production by April 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/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))
- **No AI number in its financial targets.** In April 2026 the CFO said none of First Horizon's $100 million incremental PPNR target relies on AI cost savings. Regions said in January 2026 that AI lifts productivity by 20% and produced 35% of new business opportunities; Huntington ties AI to a 10% to 15% cost-reduction return target. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai))

## Where does First Horizon 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | [84](https://www.bankingnewsai.com/banks/ai-index) | #14 of 120 | [27](https://www.bankingnewsai.com/banks/fifth-third#sources) | [17](https://www.bankingnewsai.com/banks/fifth-third#sources) | [10 of 13](https://www.bankingnewsai.com/banks/fifth-third#where) | [25](https://www.bankingnewsai.com/banks/fifth-third#timeline) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [First Horizon (this page)](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)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | [67.7](https://www.bankingnewsai.com/banks/ai-index) | #39 of 120 | [11](https://www.bankingnewsai.com/banks/first-citizens#sources) | [17](https://www.bankingnewsai.com/banks/first-citizens#sources) | [12 of 14](https://www.bankingnewsai.com/banks/first-citizens#where) | [24](https://www.bankingnewsai.com/banks/first-citizens#timeline) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-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)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | [37.4](https://www.bankingnewsai.com/banks/ai-index) | #78 of 120 | [4](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [20](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [5 of 11](https://www.bankingnewsai.com/banks/hancock-whitney#where) | [13](https://www.bankingnewsai.com/banks/hancock-whitney#timeline) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |

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

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

| Component (weight) | First Horizon | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 17 | 15 | [Fifth Third (27)](https://www.bankingnewsai.com/banks/fifth-third) | 5th of 9 |
| Use cases in production (10%) | 7 | 11 | [Huntington (15)](https://www.bankingnewsai.com/banks/huntington) | 8th of 9 |
| Own primary disclosures (10%) | 13 | 17 | [Hancock Whitney (20)](https://www.bankingnewsai.com/banks/hancock-whitney) | 9th of 9 |
| Dated moves, last 12 months (10%) | 22 | 24.5 | [Huntington (29)](https://www.bankingnewsai.com/banks/huntington) | 6th of 9 |
| Disclosed numbers (5%) | 16 | 15 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 4th of 9 |
| Named AI leaders (5%) | 13 | 13 | [Regions (14)](https://www.bankingnewsai.com/banks/regions) | 5th of 9 |
| Use cases described (5%) | 16 | 14.5 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 3rd of 9 |

## What has each bank in First Horizon'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 |
| --- | --- | --- | --- | --- | --- |
| [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 |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#roles) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [10, incl. John Corbett (Chief Executive Officer)](https://www.bankingnewsai.com/banks/southstate#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1)) | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | None found (the profile's patent search) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/southstate#roles) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [8, incl. John Hairston (President and CEO)](https://www.bankingnewsai.com/banks/hancock-whitney#people) ([Hancock Whitney](https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57), [American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank)) | New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | Not disclosed | Not surveyed |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [11, incl. Frank Holding Jr. (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-citizens#people) ([Reuters](https://www.reuters.com/sustainability/boards-policy-regulation/first-citizens-ceo-frank-holding-named-federal-advisory-council-2026-02-10/)) | AI share of healthcare investment (SVB report): 46% in 2025 (Jan 8, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-01-08-AI-Investment-Accounted-for-Nearly-Half-of-Healthcare-Investment-in-2025-Silicon-Valley-Bank-Releases-17th-Healthcare-Investments-and-Exits-Report)) | Not disclosed | [4 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/first-citizens#roles) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [14, incl. Zach Wasserman (Chief Financial Officer)](https://www.bankingnewsai.com/banks/huntington#people) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb), [American Banker](https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai)) | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform) ([Google Patents (USPTO)](https://patents.google.com/patent/US11194637B2/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/huntington#roles) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie and the Newline MCP server ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1), [Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) | [14, incl. Tim Spence (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fifth-third#people) ([Bloomberg](https://www.bloomberg.com/news/articles/2026-03-11/fifth-third-sees-pretty-remarkable-outcome-of-ai-to-lower-cost), [CNBC](https://www.cnbc.com/video/2025/12/09/fifth-third-bancorp-ceo-tim-spence-on-new-partnership-with-brex.html)) | Mobile app releases: 500+ in 2025, from ≈ 2 a year in 2021 (Jun 9, 2026) ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html)) | 3 patents listed on the profile, e.g. US 11,868,865 B1 (Systems and methods for cash structuring activity monitoring) ([Google Patents (USPTO)](https://patents.google.com/patent/US11868865B1/en)) | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/fifth-third#roles) |

## What are the latest dated moves on the AI record of First Horizon 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 12, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| Oct 6, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| Oct 6, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| Oct 2, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Oct 1, 2026 | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | CMO: generative AI kept away from customers on purpose ([The Financial Brand](https://thefinancialbrand.com/banking-podcasts/fifth-third-succeeds-through-empowered-employees)) |
| Oct 1, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Edmonds profiled for tokenized-deposit and instant-payments work ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank)) |
| 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 29, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Sep 25, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Vakharia on AI in bank marketing ([Banking Dive](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361)) |
| Sep 18, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| Sep 17, 2026 | [First Citizens](https://www.bankingnewsai.com/banks/first-citizens) | CB Insights joins SVB's partner network with its ChatCBI AI agent ([CB Insights (PR Newswire)](https://prnewswire.com/news-releases/cb-insights-joins-silicon-valley-banks-partner-network-to-give-innovators-a-competitive-edge-302881431.html)) |
| Sep 16, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Insights scale: 4 million daily sign-ins, 500 insights a year per customer ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Sep 16, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Temenos publishes Regions case study ([Temenos](https://temenos.com/success-story/regions-bank)) |
| Sep 9, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| Aug 7, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Second-quarter 2026 10-Q ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-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)) |

## How does First Horizon's customer-facing AI compare with its Southeast peers'?

The customer-facing assistant or app each bank has disclosed, with its scale and date. First Horizon's own customer AI is limited to its contact center.

| Bank | Customer-facing AI or app | Scale disclosed | Date |
| --- | --- | --- | --- |
| First Horizon | Proprietary customer-facing digital platform under construction; Webex contact-center AI (agent-stress scoring, call summaries) | About 1 million calls a year, 85% to 95% self-served in the voice menu | March 2024; September 2025 ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [American Banker](https://www.americanbanker.com/news/the-ai-bringing-zen-to-first-horizons-call-centers)) |
| Truist | Truist Assist chatbot and Truist Insights | 1.3 million chatbot conversations and 81% of inquiries resolved in 3Q25; 12.5 million+ requests from 2023 to March 2026 | October 2025; April 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| Fifth Third | Jeanie virtual assistant; AI-powered app interface with 150 pre-populated intents | Tearsheet Best Chatbot 2026 | June 2026 ([Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1)) |
| Regions | In-house native app, then personalized insights | 2.7 million active mobile users | July 2025; July 2026 ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) |
| Huntington | Personalized guidance in the app; Euromoney's US best digital bank for consumers | Not quantified | July 2026 ([Huntington](https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers)) |
| SouthState | No customer AI assistant disclosed; expanded call-center self-service listed under experimentation | Not applicable | June 30, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |

## How does First Horizon's employee AI compare with its peers'?

Internal assistants, agents and coding tools, with the scale each bank has put on the record.

| Bank | Tool or program | Scale disclosed | Date |
| --- | --- | --- | --- |
| First Horizon | ChatFHN; 10 internal AI teams; an employee AI-ideas contest | In every employee's hands; 100 contest ideas | February and September 2026 ([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)) |
| Huntington | Agentic process transformation run from finance | 50 agents in production, 60+ in development, about 15 new a month | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| Truist | 'Digital teammates': AI agents to be hired into the CIO's organization | 50+ AI use cases deployed in 2025 | June 2026 ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| Regions | GitHub Copilot | About 80% of developers, with an approximately 30% lift in code development | September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html)) |
| First Citizens | Microsoft Copilot rollout and AskFirst, a knowledge agent for branch bankers | Not quantified | September 2026 ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) |
| Pinnacle | ChatPFP and an AI engineering team | 18,000 banker questions; almost 20 AI engineers | April and July 2026 ([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)) |

## How does First Horizon's data foundation compare with its peers'?

The data and platform layer each bank has described under its AI work.

| Bank | Platform | Status | Date |
| --- | --- | --- | --- |
| First Horizon | Databricks Enterprise Data Hub (35+ sources), a governed data marketplace, a multi-agent layer with Genie | In production; agent-built pipelines planned for 2027 | September 2026 ([Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking)) |
| Regions | Single cloud-based core deposit platform across the footprint | Due by 2027 | July 2025 ([American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| Fifth Third | Newline embedded-finance platform with an MCP server that standardizes how AI models use its tools | Live; Skills added April 2026 | April 2026 ([Fifth Third (Business Wire via Yahoo Finance)](https://finance.yahoo.com/sectors/technology/articles/fifth-third-newline-extends-mcp-120000221.html)) |
| SouthState | Agents co-developed on Fiserv agentOS, alongside City National and Bank OZK | Deployments from summer 2026 | May 2026 ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |

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

First Horizon is compared here with Pinnacle Financial Partners, Regions Financial, SouthState Bank, Hancock Whitney, First Citizens BancShares, Truist Financial, Huntington Bancshares and Fifth Third Bancorp: chosen by the editors for this page (see the note below the table). First Horizon is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in Puerto Rico's Popular, New York's Flagstar and Webster and California's East West; this group is drawn from the regional banks First Horizon's own 2025 10-K names as key traditional competitors (Pinnacle, Regions, Hancock Whitney, First Citizens, Truist, Huntington and Fifth Third), plus SouthState, which competes with it in Florida, the Carolinas and correspondent banking.

## Common questions

### Is First Horizon better than Regions at AI?

The record cannot settle capability, but Regions has put more on it: 83.8 on this site's disclosure index against First Horizon's 68.7. Regions rebuilt its mobile app in-house and reports 2.7 million active mobile users, and says AI produced 35% of new business opportunities. First Horizon describes more of its data platform and runs ChatFHN for all employees. ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760))

### Does First Horizon have an AI assistant for customers?

Not one it has launched. First Horizon is building a proprietary customer-facing digital banking platform, and its CEO said in February 2026 that it is looking at agentic AI in customer service. Truist Assist resolved 81% of client inquiries in the third quarter of 2025, and Fifth Third's Jeanie handles requests in its app. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Fifth Third via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606170800BIZWIRE_USPRX____20260617_BW555789-1))

### What is ChatFHN?

ChatFHN is First Horizon's internal generative-AI assistant, in production since early 2025. Employees use it to draft emails and documents, answer policy questions and compare procurement RFPs, with people making the final call. The CEO said in September 2026 that it is in everybody's hands. ([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), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760))

### How does First Horizon compare with Pinnacle on AI?

First Horizon scores 68.7 on this site's disclosure index and Pinnacle 65.3. Pinnacle, which merged with Synovus in January 2026, names a head of AI and almost 20 AI engineers. First Horizon names no chief AI officer but has a CIO-led data platform, 10 internal AI teams and ChatFHN for all staff. ([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://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), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760))

### How does First Horizon's technology spending compare?

First Horizon ran a $100 million, three-year technology program after the TD deal fell through and keeps expenses flat while revenue grows. Regions guided technology spend to 10% to 12% of revenue in January 2026, and Truist and Huntington are far larger spenders by size. ([American Banker](https://www.americanbanker.com/payments/news/first-horizons-earnings-slip-after-portfolio-restructuring), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools))

### How does First Horizon use AI against fraud compared with peers?

The CFO calls fraud the number one AI use case: AI writes detection rules for treasury-management payments in a day or two and matching payments are held for a banker to call the client. Its CISO warns that deepfakes compress the threat lifecycle. Truist holds a patent on natural-language risk scoring of customer communications. ([Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376), [First Horizon](https://firsthorizon.com/learning-center/commercial-and-specialty/Protecting-Against-AI-Powered-Cyberscams), [Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en))

### How does First Horizon compare with Truist on AI?

Truist scores 82.6 on this site's disclosure index against First Horizon's 68.7. Truist reports customer-facing scale, with Truist Assist resolving 81% of client inquiries in 3Q25, and plans to hire AI agents as 'digital teammates' in 2026. First Horizon's AI is internal: ChatFHN for every employee, AI credit memos and AI-built fraud rules. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376))

### How does First Horizon compare with Huntington on AI?

Huntington scores 84.2 on this site's disclosure index and First Horizon 68.7. Huntington's CFO runs an agentic program with 50 agents in production and more than 60 in development (April 2026). First Horizon's CEO described 10 internal AI teams in February 2026, and its CFO says AI is about scaling the front office without adding support staff. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q2-2026-111518493.html))

### How does First Horizon compare with SouthState on AI?

SouthState scores 70.9 on this site's disclosure index, just ahead of First Horizon's 68.7. SouthState discloses more usage numbers, such as 2,500+ premium Copilot users and about 90% of credit spreads done by AI (June 2026). First Horizon has more independent coverage and a more fully described data platform on Databricks. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking))

### What does First Horizon lead on if not customer AI?

Business-client ratings. In March 2026 First Horizon won 28 Coalition Greenwich Best Bank awards in middle-market and small-business banking, nine more than a year earlier. Pinnacle reported 50 for its legacy banks in February 2026. ([First Horizon via PR Newswire](https://www.prnewswire.com/news-releases/first-horizon-recognized-with-28-national-and-regional-banking-awards-by-crisil-coalition-greenwich-302711493.html), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country))

## Peers on this site

- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [First Citizens BancShares AI strategy](https://www.bankingnewsai.com/banks/first-citizens) · [vs peers](https://www.bankingnewsai.com/banks/first-citizens/vs-peers)
- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/vs-peers)
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [Fifth Third Bancorp AI strategy](https://www.bankingnewsai.com/banks/fifth-third) · [vs peers](https://www.bankingnewsai.com/banks/fifth-third/vs-peers)

## Sources

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2. 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
3. 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
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21. Regions Bank Says AI Lifts Productivity 20% as Loan Growth Cools — PYMNTS, Jan 16, 2026. https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools
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24. Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards — Fifth Third, Aug 12, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html
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26. Regions plans to unveil upgraded deposit platform in 2027 — American Banker, Jul 18, 2025. https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027
27. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
28. The Playbook for Enterprise AI Adoption with Walt Wear (Community Bank Podcast) — SouthState Correspondent Division, Aug 3, 2026. https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear
29. 6 things banks look for in gen AI models and companies — American Banker, Jan 14, 2025. https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies
30. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
31. Frontier AI Fact Sheet — First Citizens Bank, Jul 3, 2026. https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf
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33. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
34. 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
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37. Nate Gardner, Chief Xperience Officer, MX (Digital Banking speaker profile; session 'From Old Money to New Momentum: How Hancock Whitney Modernized for the Next Generation') — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/nate-gardner
38. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
39. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients — Hancock Whitney, Nov 12, 2025. https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients
40. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
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43. 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/
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59. American Banker Names Jude Schramm to Most Innovative People in Finance List — Fifth Third, Jun 9, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-06-09.html
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61. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
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81. Huntington Bank Named the United States' Best Digital Bank for Consumers — Huntington, Jul 20, 2026. https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers
82. 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
83. Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth — MarketBeat (Yahoo Finance), Sep 20, 2026. https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html
84. 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
85. 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
86. Protecting Against AI-Powered Cyberscams — First Horizon, Jul 1, 2026. https://firsthorizon.com/learning-center/commercial-and-specialty/Protecting-Against-AI-Powered-Cyberscams
87. First Horizon (FHN) Q2 2026 Earnings Call Transcript — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q2-2026-111518493.html
88. First Horizon recognized with 28 national and regional banking awards by Crisil Coalition Greenwich — First Horizon via PR Newswire, Mar 12, 2026. https://www.prnewswire.com/news-releases/first-horizon-recognized-with-28-national-and-regional-banking-awards-by-crisil-coalition-greenwich-302711493.html
89. Pinnacle Financial Partners Earns a Combined 50 Coalition Greenwich Best Bank Awards – More Than Any Other Bank in the Country — Pinnacle Financial Partners, Feb 11, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country

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