# First Interstate BancSystem vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/first-interstate/vs-peers
Last updated: Oct 19, 2026

*Part of the [First Interstate BancSystem AI strategy profile](https://www.bankingnewsai.com/banks/first-interstate). Peer group: Glacier Bancorp, Zions Bancorporation, WaFd, Inc., Banner Corporation, Columbia Banking System, UMB Financial, National Bank Holdings Corporation, Associated Banc-Corp.*

## 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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [Fiserv via Amazon press centre](https://press.aboutamazon.com/aws/2026/5/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/06/02/fibk-q1-2026-earnings-transcript), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/first-interstate-bancsystem-q4-earnings-171201548.html))

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

- **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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf))
- **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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Prolific Banking (Business Wire)](https://www.businesswire.com/news/home/20260519411891/en/First-Interstate-Bank-Moved-Prolific-Banking-Inc.-On-Ramp-Commercial-Enrollment-Solution-into-Production), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000078/fibk-20260713.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926091272/nbhc-20260630x10q.htm))
- **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. ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000078/fibk-20260713.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000030/gbci-20260312.htm))

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

- **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. ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/06/02/fibk-q1-2026-earnings-transcript), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript))
- **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. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- **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. ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm))
- **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. ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000034/mar2026ip.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-interstate-beats-q2-2026-estimates-as-margin-widens-93CH-4812062), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | [63.3](https://www.bankingnewsai.com/banks/ai-index) | #45 of 120 | [10](https://www.bankingnewsai.com/banks/columbia#sources) | [14](https://www.bankingnewsai.com/banks/columbia#sources) | [15 of 16](https://www.bankingnewsai.com/banks/columbia#where) | [16](https://www.bankingnewsai.com/banks/columbia#timeline) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | [52.3](https://www.bankingnewsai.com/banks/ai-index) | #55 of 120 | [8](https://www.bankingnewsai.com/banks/wafd#sources) | [9](https://www.bankingnewsai.com/banks/wafd#sources) | [9 of 13](https://www.bankingnewsai.com/banks/wafd#where) | [18](https://www.bankingnewsai.com/banks/wafd#timeline) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) |
| [First Interstate BancSystem (this page)](https://www.bankingnewsai.com/banks/first-interstate) | [51.3](https://www.bankingnewsai.com/banks/ai-index) | #56 of 120 | [7](https://www.bankingnewsai.com/banks/first-interstate#sources) | [17](https://www.bankingnewsai.com/banks/first-interstate#sources) | [5 of 11](https://www.bankingnewsai.com/banks/first-interstate#where) | [21](https://www.bankingnewsai.com/banks/first-interstate#timeline) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | [36.7](https://www.bankingnewsai.com/banks/ai-index) | #80 of 120 | [3](https://www.bankingnewsai.com/banks/banner#sources) | [21](https://www.bankingnewsai.com/banks/banner#sources) | [9 of 12](https://www.bankingnewsai.com/banks/banner#where) | [15](https://www.bankingnewsai.com/banks/banner#timeline) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |
| [National Bank Holdings Corporation](https://www.bankingnewsai.com/banks/national-bank-holdings) | [2](https://www.bankingnewsai.com/banks/ai-index) | #115 of 120 | [4](https://www.bankingnewsai.com/banks/national-bank-holdings#sources) | [15](https://www.bankingnewsai.com/banks/national-bank-holdings#sources) | [6 of 8](https://www.bankingnewsai.com/banks/national-bank-holdings#where) | [13](https://www.bankingnewsai.com/banks/national-bank-holdings#timeline) | Not disclosed |

## 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 Interstate | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 7.5 | [Zions (11)](https://www.bankingnewsai.com/banks/zions) | 5th of 9 |
| Use cases in production (10%) | 5 | 9 | [Columbia (15)](https://www.bankingnewsai.com/banks/columbia) | 8th of 9 |
| Own primary disclosures (10%) | 17 | 14.5 | [Banner Bank (21)](https://www.bankingnewsai.com/banks/banner) | 4th of 9 |
| Dated moves, last 12 months (10%) | 21 | 15.5 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 1st of 9 |
| Disclosed numbers (5%) | 15 | 12 | [Zions (16)](https://www.bankingnewsai.com/banks/zions) | 2nd of 9 |
| Named AI leaders (5%) | 9 | 9.5 | [Columbia (13)](https://www.bankingnewsai.com/banks/columbia) | 5th of 9 |
| Use cases described (5%) | 11 | 11.5 | [Zions (16)](https://www.bankingnewsai.com/banks/zions) | 5th of 9 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) | [9, incl. Jim Reuter (President and CEO)](https://www.bankingnewsai.com/banks/first-interstate#people) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [American Banker](https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth)) | Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | Not disclosed | Not surveyed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) | [8, incl. Brent Beardall (President and CEO)](https://www.bankingnewsai.com/banks/wafd#people) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm)) | Software development pace with AI assistance: > 2x (Apr 17, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) | Not disclosed | Not surveyed |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | [6, incl. Mark J. Grescovich (President and CEO)](https://www.bankingnewsai.com/banks/banner#people) ([Banner Corporation](https://investor.bannerbank.com/news/news-details/2026/Banner-Corporation-to-Acquire-Pacific-Financial-Corporation), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html)) | 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) ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI security](https://www.bankingnewsai.com/banks/banner#roles) |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) | [13, incl. Clint Stein (President and CEO, Columbia Banking System)](https://www.bankingnewsai.com/banks/columbia#people) ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat)) | Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/columbia#roles) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [National Bank Holdings Corporation](https://www.bankingnewsai.com/banks/national-bank-holdings) | Not disclosed | [6, incl. Tim Laney (Chairman and Chief Executive Officer)](https://www.bankingnewsai.com/banks/national-bank-holdings#people) ([National Bank Holdings Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/01/07/3214345/0/en/National-Bank-Holdings-Corporation-Completes-Acquisition-of-Vista-Bancshares-Inc-and-Vista-Bank.html), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/national-bank-nbhc-q4-2025-145931139.html)) | 2UniFi user applications: Over 1,300 year to date; weekly applications up from about 40 to nearly 400 (Apr 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-beats-q1-2026-eps-forecasts-93CH-4630113)) | Not disclosed | Not surveyed |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | Q4 FY2026 call: EverBank merger, no AI update ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491)) |
| Oct 1, 2026 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 8-K: $4.0 million impairment on a FinTech partnership investment ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926112856/nbhc-20260928x8k.htm)) |
| Sep 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 15, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Barclays conference: AI answers most client messages ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Sep 10, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | nCino: WaFd piloting Analyst Digital Partner for credit risk ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Sep 1, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Pacific Financial acquisition completed ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm)) |
| Aug 21, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| Aug 5, 2026 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 10-Q: AI wording unchanged ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000027/nbhc-20260331x10q.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926091272/nbhc-20260630x10q.htm)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| Aug 4, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Second-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm)) |
| Aug 4, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Q2 2026 10-Q: IT and data services expense up 26% ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 3, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Q2 2026 10-Q: no material change to risk factors ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |

## 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.

| Bank | AI tool, agent or program | Figure disclosed | Date |
| --- | --- | --- | --- |
| First Interstate | Fiserv agentOS commercial loan-onboarding agent (pilot); AI business-development tool (pilot) | One of two agentOS pilot institutions at launch | April and May 2026 ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| Columbia | About three AI applications for call-center agents and customers; AI-checked conversion data | Seven AI-agent responses per human response | September 2026 ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html)) |
| Zions | Gemini-based enterprise platform; AI in fraud, authentication and credit review | 56% of workforce using generative AI | September 2025 ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins)) |
| Associated | Line-of-business AI with an AI lead in commercial banking | 30 AI use cases in process; 25 AI training modules | March and September 2026 ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-rbc-conference-strategic-growth-and-ai-integration-93CH-4555875)) |
| WaFd | AI-assisted software development; nCino Analyst Digital Partner pilot | Development pace more than doubled | April and September 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| UMB | Machine learning 'deployed across the whole organization', per the CEO | Not disclosed | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html)) |
| Banner | Banner Virtual Assistant; AI switched on in existing platforms after fintech-council review | Available 24/7 | 2025 to 2026 ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html)) |
| Glacier | None disclosed; a centralized data warehouse once described as setting the stage for AI | Not disclosed | 2025 ([SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf)) |

## 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. ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/06/02/fibk-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-interstate-beats-q2-2026-estimates-as-margin-widens-93CH-4812062), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000023/fibk_2025xars.pdf))

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. ([American Banker](https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000094/investorpresentation0630.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000058/exhibit991investorslides.htm), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html))

## 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. ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm))

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. ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm))

## 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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000053/gbci-20260331.htm))

### 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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html))

### 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. ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000023/fibk_2025xars.pdf), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant))

### 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. ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm))

### 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. ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000081/fibk-20260630x8kpr.htm), [ABA Banking Journal](https://bankingjournal.aba.com/2026/05/ceo-qa-organically-grown-banking), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm))

### 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. ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm))

### 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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/))

### 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. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html))

### 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. ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-rbc-conference-strategic-growth-and-ai-integration-93CH-4555875), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html))

## Peers on this site

- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)
- [WaFd, Inc. AI strategy](https://www.bankingnewsai.com/banks/wafd) · [vs peers](https://www.bankingnewsai.com/banks/wafd/vs-peers)
- [Banner Corporation AI strategy](https://www.bankingnewsai.com/banks/banner) · [vs peers](https://www.bankingnewsai.com/banks/banner/vs-peers)
- [Columbia Banking System AI strategy](https://www.bankingnewsai.com/banks/columbia) · [vs peers](https://www.bankingnewsai.com/banks/columbia/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [National Bank Holdings Corporation AI strategy](https://www.bankingnewsai.com/banks/national-bank-holdings) · [vs peers](https://www.bankingnewsai.com/banks/national-bank-holdings/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)

## Sources

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