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First Interstate BancSystem vs peers
AI and technology compared

Last updated Oct 19, 2026 · 8 peers · 93 sources cited

How does First Interstate BancSystem compare with its peers on AI and technology?

On this site's AI disclosure index First Interstate scores 51.3 (#56 of 120 US banks), fifth in a nine-bank group of Mountain West, Northwest and Upper Midwest regionals. Columbia (63.3), Zions (59.6) and Associated (56.8) are ahead of it, WaFd (52.3) is level with it, and UMB (47.9), Banner (36.7), Glacier (2) and National Bank Holdings (2) are behind. Its lead is agentic AI through its core provider. Fiserv named First Interstate one of two institutions running pilots of its agentOS platform at the May 14, 2026 launch, with a commercial loan-onboarding agent co-created with Fiserv; AWS says agentOS runs on Amazon Bedrock AgentCore with OpenAI as a collaborator. First Interstate also has the most dated AI moves of the group in the last 12 months. Glacier, its largest Montana rival, describes no AI use in its 2025 annual report. Its gap is AI in production at scale. It places eighth of nine on use cases in production, with 5 against Columbia's 15. CEO Jim Reuter has tied AI to data first: a 'one clean data source' project was due in early summer 2026, and he warned that without it 'you'll just make bad decisions faster'. Peers publish adoption figures it does not. Zions reported 56% of its workforce using generative AI (September 2025), Associated has 30 AI use cases in process (September 2026), and Columbia says its AI agents send seven client-message responses for every human one. First Interstate is also smaller than a year ago, down from 14 states to 10.[1][2][3][4][5][6][7][8][9][10]

Data as of Oct 19, 2026 · First Interstate profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does First Interstate lead its peers on AI?

01

One of two pilot clients for Fiserv's agentOS at launch

Fiserv's May 14, 2026 release names First Interstate and Boulder Dam Credit Union as the institutions running agentOS pilots 'with measurable results', with four more banks co-developing the next agents. First Interstate's agent automates commercial loan onboarding into the Fiserv core. WaFd's agent work is a pilot of nCino's Analyst Digital Partner, and Glacier has disclosed no agent work.[1][2][11][4]

02

The most dated AI moves in the group over the last 12 months

First Interstate scores 21 on dated moves, first of nine (median 15.5). Recent entries run from the agentOS pilot and an automated treasury-onboarding launch in May 2026 to a former Microsoft COO joining the board in July. In the same period National Bank Holdings' 2026 10-Qs repeated unchanged AI wording.[1][12][13][14]

03

A board with technology operators on it

First Interstate's board added Kevin Turner, former Microsoft chief operating officer and Walmart CIO, in July 2026, and its Technology, Innovation and Operations Committee met four times in 2025. Glacier's 2026 proxy charter provides for quarterly CISO reports to its Risk Oversight Committee but names no technology committee.[13][15][16]

Where it trails

Where does First Interstate trail its peers on AI?

01

Few AI use cases in production

First Interstate places eighth of nine on use cases in production, with 5 against Columbia's 15 and Zions' 10. Its AI items are pilots or aims: the loan-onboarding agent, a business-development tool for bankers, and audit and compliance work the CEO called 'ripe for AI'. Columbia had 83 platforms and solutions using some form of AI by July 2025.[2][5][6][17]

02

No adoption or savings figures while Zions, Associated and Columbia publish theirs

First Interstate gives no share of staff using AI and no hours saved. Zions reported 56% of its workforce on generative AI (September 2025). Associated cited 30 AI use cases in process and an internal AI build at $45,000 against an $800,000 purchase option (September 2026). Columbia took on 30% more customers with flat call-center staff.[7][8][9]

03

No named AI lead while Associated and Zions name theirs

First Interstate's technology sits with CIO Lori Meyer, interim since June 2023, and a new chief operations officer, Jeff Lee, who started in September 2026. Associated hired a senior director of AI for commercial banking in June 2026 and a chief digital officer to advance AI in July. Zions' 2025 10-K describes a Data and AI Governance Committee.[15][18][19][20][21]

04

AI left out of its headline goals and its latest call

First Interstate's 2026 corporate goals list core profitability, focused capital investment and balance-sheet optimization, not AI. On the July 2026 call Reuter cited investment in data management but named no AI tool. UMB's CEO, by contrast, told analysts in April 2026 that machine learning is being deployed across the whole organization.[22][23][24]

AI index

Where does First Interstate rank against its peers on AI disclosure?

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

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Columbia Banking System63.3#45 of 120101415 of 1616Integration-built infrastructure, not a disclosed AI platform[25][26][27][28][29][30][17]
Zions Bancorporation59.6#48 of 120111010 of 1613A modern core plus a Gemini-based enterprise AI platform[7][31][32]
Associated Banc-Corp56.8#49 of 12011194 of 1117Line-of-business AI under a chief data officer / CIO[19][20][33][34]
WaFd, Inc.52.3#55 of 120899 of 1318Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent[35][36][37][38][39]
First Interstate BancSystem (this page)51.3#56 of 1207175 of 1121Fiserv agentOS pilot and the 'one clean data source' project[2][5]
UMB Financial47.9#61 of 1207149 of 1016Integration first: the Heartland systems conversion[40][41][42]
Banner Corporation36.7#80 of 1203219 of 1215Digital platform and AI capability investments; Banner Virtual Assistant[43][44]
Glacier Bancorp2#117 of 1203187 of 1014Not disclosed
National Bank Holdings Corporation2#115 of 1204156 of 813Not disclosed
Component by component

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

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

Component (weight)First InterstatePeer medianMost in the groupPlace
Independent sources (45%)77.5Zions (11)5th of 9
Use cases in production (10%)59Columbia (15)8th of 9
Own primary disclosures (10%)1714.5Banner Bank (21)4th of 9
Dated moves, last 12 months (10%)2115.5First Interstate (21)1st of 9
Disclosed numbers (5%)1512Zions (16)2nd of 9
Named AI leaders (5%)99.5Columbia (13)5th of 9
Use cases described (5%)1111.5Zions (16)5th of 9
Head to head

What has each bank in First Interstate's peer group disclosed about its AI?

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

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
First Interstate BancSystemFiserv agentOS pilot and the 'one clean data source' project[2][5]9, incl. Jim Reuter (President and CEO)[2][45]Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026)[2]Not disclosedNot surveyed
Glacier BancorpNot disclosed6, incl. Randy Chesler (President and CEO)[46][47]Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025)[48]Not disclosedNot surveyed
Zions BancorporationA modern core plus a Gemini-based enterprise AI platform[7][31][32]11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)[31][49]Workforce using generative AI: 56% (Sep 24, 2025)[7]Not disclosedNot surveyed
WaFd, Inc.Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent[35][36][37][38][39]8, incl. Brent Beardall (President and CEO)[50][35][51]Software development pace with AI assistance: > 2x (Apr 17, 2026)[37]Not disclosedNot surveyed
Banner CorporationDigital platform and AI capability investments; Banner Virtual Assistant[43][44]6, incl. Mark J. Grescovich (President and CEO)[52][43]Banner Virtual Assistant availability: 24 hours a day, 7 days a week; staff 7 a.m. to 7 p.m. PT weekdays by phone (Sep 24, 2026)[44]Not disclosed1 open AI roles (Sep 24, 2026); most in AI security
Columbia Banking SystemIntegration-built infrastructure, not a disclosed AI platform[25][26][27][28][29][30][17]13, incl. Clint Stein (President and CEO, Columbia Banking System)[25][28]Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026)[29][53]Not disclosed1 open AI roles (Sep 24, 2026); most in ML & data science
UMB FinancialIntegration first: the Heartland systems conversion[40][41][42]11, incl. Mariner Kemper (Chairman and CEO)[54][41]Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026)[55][56][24][57]Not disclosedNot surveyed
National Bank Holdings CorporationNot disclosed6, incl. Tim Laney (Chairman and Chief Executive Officer)[58][59]2UniFi user applications: Over 1,300 year to date; weekly applications up from about 40 to nearly 400 (Apr 22, 2026)[60]Not disclosedNot surveyed
Associated Banc-CorpLine-of-business AI under a chief data officer / CIO[19][20][33][34]12, incl. Andy Harmening (President and CEO)[61][62]AI use cases in process: 30 (Sep 15, 2026)[8]1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account)[63]2 open AI roles (Sep 24, 2026); most in AI product & strategy
Last 12 months

What are the latest dated moves on the AI record of First Interstate and its peers?

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

DateBankMove
Oct 16, 2026WaFd BankQ4 FY2026 call: EverBank merger, no AI update[64]
Oct 1, 2026National Bank Holdings8-K: $4.0 million impairment on a FinTech partnership investment[65]
Sep 15, 2026AssociatedBarclays conference: 30 AI use cases in process[8]
Sep 15, 2026ColumbiaBarclays conference: AI answers most client messages[9]
Sep 10, 2026WaFd BanknCino: WaFd piloting Analyst Digital Partner for credit risk[11]
Sep 2, 2026GlacierGlacier Bank invests in the Cari tokenised-deposit network[66]
Sep 1, 2026Banner BankPacific Financial acquisition completed[67]
Aug 21, 2026First InterstateJeff Lee named chief operations officer[18][68]
Aug 20, 2026UMB'Playing with the big boys'[69]
Aug 6, 2026ZionsQ2 2026 10-Q lists AI among emerging-technology risks[70][71]
Aug 5, 2026AssociatedGuide on AI-powered social engineering[72]
Aug 5, 2026National Bank Holdings10-Q: AI wording unchanged[73][14]
Aug 5, 2026ZionsZest AI says Zions Bank selected it for lending decisions[74]
Aug 4, 2026ColumbiaSecond-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation[75]
Aug 4, 2026Banner BankQ2 2026 10-Q: IT and data services expense up 26%[76]
Aug 4, 2026GlacierQ2 2026 10-Q repeats the AI risk language[77]
Aug 3, 2026First InterstateQ2 2026 10-Q: no material change to risk factors[78]
Jul 30, 2026UMBQ2 2026 10-Q has no AI language[79]
AI tools and agents in the group

Which AI tools and agents has each bank in First Interstate's group disclosed?

The AI tool, agent or program each bank has disclosed, with any figure and its date. Vendor-reported figures are marked. A blank means nothing is disclosed, not that nothing exists.

BankAI tool, agent or programFigure disclosedDate
First InterstateFiserv agentOS commercial loan-onboarding agent (pilot); AI business-development tool (pilot)One of two agentOS pilot institutions at launchApril and May 2026[1][5]
ColumbiaAbout three AI applications for call-center agents and customers; AI-checked conversion dataSeven AI-agent responses per human responseSeptember 2026[9][29]
ZionsGemini-based enterprise platform; AI in fraud, authentication and credit review56% of workforce using generative AISeptember 2025[7][31]
AssociatedLine-of-business AI with an AI lead in commercial banking30 AI use cases in process; 25 AI training modulesMarch and September 2026[8][80]
WaFdAI-assisted software development; nCino Analyst Digital Partner pilotDevelopment pace more than doubledApril and September 2026[37][11]
UMBMachine learning 'deployed across the whole organization', per the CEONot disclosedApril 2026[24]
BannerBanner Virtual Assistant; AI switched on in existing platforms after fintech-council reviewAvailable 24/72025 to 2026[44][43]
GlacierNone disclosed; a centralized data warehouse once described as setting the stage for AINot disclosed2025[4]
Data before AI

How does First Interstate's data-first approach compare with its peers'?

Reuter has made clean data the precondition. On the April 30, 2026 call he said a 'one clean data source' project, due in early summer, would support initiatives including AI, and that 'if you don't have a good data source, you'll just make bad decisions faster'. In July he cited further investment in data management to leverage new technology. The bank's 2025 annual report counts more than 55 million online and mobile sessions, including over 40 million mobile app logins.[5][6][23][81]

Peers made similar foundation bets earlier. Zions finished an 11-year replacement of its loan and deposit cores in 2024. National Bank Holdings built its 2UniFi platform on Finxact, Snowflake and Microsoft Azure with a data architecture it says will support AI. Glacier's 2025 investor decks said its centralized data warehouse 'sets the stage' for AI, then dropped that slide in May 2026. First Interstate's distinction is that it is already piloting an agent on its existing core.[82][83][84][85][1]

AI governance

How does First Interstate govern AI compared with its peers?

First Interstate's 2025 10-K carries a stand-alone AI risk factor: the bank may offer AI products, AI investment may need 'significant financial, human, and other resources', and flawed or biased AI, its own or third parties', could bring liability. Board oversight runs through the Technology, Innovation and Operations Committee, chaired by Joyce Phillips, and the risk-oversight map lists model risk, third-party risk and technology investment.[86][15]

Several peers have described AI-specific structures. Zions' 2025 10-K describes a Data and AI Governance Committee and no fully autonomous AI in critical client decisions. UMB's 2026 proxy places emerging technology including AI under the board Risk Committee. Banner's proxy discloses a board-approved generative-AI policy. National Bank Holdings' audit and risk committee gets quarterly updates on AI.[21][87][88][89]

The peer group

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

First Interstate BancSystem is compared here with Glacier Bancorp, Zions Bancorporation, WaFd, Inc., Banner Corporation, Columbia Banking System, UMB Financial, National Bank Holdings Corporation and Associated Banc-Corp: chosen by the editors for this page (see the note below the table). First Interstate BancSystem is classed as a regional or retail-commercial bank in the West.

The computed group mixed in two Hawaii banks and three Los Angeles banks serving Asian-American communities; this group holds the Mountain West, Northwest and Upper Midwest regionals that compete in First Interstate's states, including its largest Montana and Wyoming rival Glacier, and three members of its own 2025 compensation peer group (Columbia, UMB and Associated).

Common questions

Is First Interstate better than Glacier at AI?

The record cannot settle capability, but First Interstate has put far more on it: 51.3 on this site's disclosure index against Glacier's 2. First Interstate is piloting a Fiserv agentOS loan-onboarding agent and has a board technology committee; Glacier's 2025 annual report describes no AI use, and its 10-Qs list AI only as a forward-looking risk.[1][15][4][90]

What is First Interstate doing with AI agents?

It co-created a commercial loan-onboarding agent with its core provider Fiserv on agentOS, launched May 14, 2026; Fiserv says First Interstate and Boulder Dam Credit Union were running pilots with measurable results. Reuter said agentOS 'allows us to simply integrate agentic tools into our daily workflows'. A business-development AI tool is also in pilot.[1][2][5]

Does First Interstate have an AI virtual assistant like Erica?

Not one it has disclosed. Its 2026 digital roadmap covers a next-generation interface, real-time capabilities, faster payments, fraud protections and better online account opening. Bank of America says Erica helps more than 24.6 million clients; among First Interstate's peers, Banner runs a 24/7 virtual assistant.[81][91][44]

How does First Interstate compare with Zions on AI?

Zions scores 59.6 on the disclosure index and First Interstate 51.3. Zions runs a Gemini-based enterprise platform, reported 56% of staff using generative AI and names a Data and AI Governance Committee. First Interstate's AI record is newer and narrower: an agentOS pilot, a data-consolidation project and a stand-alone AI risk factor.[31][7][21][1][86]

How does First Interstate's technology spending compare with its peers?

First Interstate does not break out technology spending; total noninterest expense was $158.9 million in the second quarter of 2026. Reuter argued in May 2026 that boards should judge technology spending like teller lines and call centers, by return on investment. Banner's information and data services expense was $18.6 million in the first half of 2026.[92][93][76]

Who leads AI at First Interstate?

No one holds an AI title. CEO Jim Reuter speaks for the AI program, Lori Meyer is chief information officer, and Jeff Lee, previously chief operations and technology officer at Seacoast, became chief operations officer in September 2026. The board Technology, Innovation and Operations Committee oversees technology investment.[2][15][18]

How does First Interstate compare with WaFd on AI?

First Interstate scores 51.3 on the disclosure index and WaFd 52.3. Both are piloting AI agents in commercial lending from vendors: First Interstate on Fiserv's agentOS, WaFd with nCino's Analyst Digital Partner. WaFd has older measured results from an in-house voicebot; First Interstate has more recent dated moves.[1][11][38]

How does First Interstate compare with Columbia Banking System on AI?

Columbia scores 63.3 on the disclosure index and First Interstate 51.3. Columbia counted 83 platforms and solutions using some form of AI in July 2025 and says AI agents now send seven client-message responses for every human one. First Interstate's AI is at pilot stage, but its agentOS agent works inside the core rather than at the customer edge.[17][9][1]

How does First Interstate compare with Associated Banc-Corp on AI?

Associated scores 56.8 and First Interstate 51.3. Associated runs AI by business line, with 30 use cases in process, 25 AI training modules and a senior director of AI for commercial banking hired in June 2026. First Interstate has fewer use cases on the record but is one of the first banks running agents on its core provider's platform.[8][80][19][1]

Peers on this site
Glacier AI strategy →How Glacier Bancorp compares with its peers →Zions AI strategy →How Zions Bancorporation compares with its peers →WaFd Bank AI strategy →How WaFd, Inc. compares with its peers →Banner Bank AI strategy →How Banner Corporation compares with its peers →Columbia AI strategy →How Columbia Banking System compares with its peers →UMB AI strategy →How UMB Financial compares with its peers →NBH Bank AI strategy →How National Bank Holdings Corporation compares with its peers →Associated AI strategy →How Associated Banc-Corp compares with its peers →
Deeper on First Interstate
First Interstate AI strategy: the full profile →First Interstate BancSystem competitors and alternatives →What is First Interstate's AI strategy? →What technology stack does First Interstate run? →First Interstate AI profile →First Interstate AI strategy →First Interstate technology stack →First Interstate competitors and alternatives →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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