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First Merchants Corporation vs peers
AI and technology compared

Last updated Oct 20, 2026 · 6 peers · 74 sources cited

How does First Merchants Corporation compare with its peers on AI and technology?

On this site's AI disclosure index First Merchants scores 29.8 (#88 of 120 US banks), third in a seven-bank group of Midwest regionals behind Old National (66) and Busey (44.9), and ahead of WesBanco (26.9), First Commonwealth (25.9), Park National (6.6) and First Financial Bancorp (4.4). It leads the group on dated moves in the last 12 months (18). Its AI is a broad productivity rollout: a specialty-lending president said in June 2026 that Microsoft Copilot has been rolled out 'through the entire organization' and that AI sifts incoming mortgage applications so volume can grow with the same staff. Its 2025 10-K, filed February 25, 2026, is the first to mention AI, 13 times inside one risk factor, which says it and its vendors use machine-learning and generative AI tools. What it lacks is a named owner and a measured result. Busey hired its first director of AI, data science and insights in April 2026 and reports Glia virtual assistants handling 61.5% of calls; Old National runs an AI Center of Excellence, and Abrigo reports about 31% higher loan-review efficiency there (July 2026). First Merchants' CIO, Stephan Fluhler, has led technology since 2014, and no earnings call transcript uses the word AI. A new CEO, Mike Stewart, takes over on January 1, 2027, promising 'smarter use of technology'.[1][2][3][4][5][6][7][8][9][10][11]

Data as of Oct 20, 2026 · First Merchants profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does First Merchants lead its peers on AI?

01

Copilot across the whole organization

First Merchants' specialty-lending president Tony Schoen told a Louisville Business First panel in June 2026 that Microsoft Copilot has been rolled out 'through the entire organization'. Park National names one AI tool, an Auto-Coach for bankers, and First Financial names none; WesBanco's decks speak of AI initiatives without naming a tool.[1][12][13][14]

02

AI at mortgage intake to grow volume without more staff

The same June 2026 panel described AI used as a 'front side sifter' for incoming mortgage applications, so the bank can handle more volume with the same people. Among the peers, only Old National discloses AI in lending, through Abrigo's loan-review assistant, and Busey's disclosed AI is in its contact centre.[1][7][5]

03

The most dated moves in the group

First Merchants has 18 dated moves on its record in the last 12 months, first of seven (peer median 15): the First Savings conversion in May 2026, Spiral's savings and giving centre in March 2026, a director of small-business banking and a CEO succession announced on October 1, 2026.[15][16][17][11]

Where it trails

Where does First Merchants trail its peers on AI?

01

No named AI owner, while Busey and Old National name theirs

First Merchants names no AI leader; technology is run by CIO Stephan Fluhler (since May 2014) and risk by chief risk officer Eva Scurlock (since January 2026). Busey appointed Adrianne Bernini its first director of AI, data science and insights in April 2026, and Old National's AI Center of Excellence keeps a live inventory of AI, including AI inside vendor platforms.[18][4][6]

02

No measured AI result, while peers report theirs

First Merchants has disclosed no usage count or outcome for Copilot or mortgage AI. Busey says Glia virtual assistants handled 61.5% of calls and cut wrap-up time 50% (February 2026); Abrigo reports Old National's reviewers about 31% more efficient (July 2026); Park National's voice-assistant self-service grew 132% in 2025.[1][5][7][12]

03

AI missing from calls and quarterly filings

No First Merchants earnings call transcript uses the word AI; the Q1 and Q2 2026 calls list 'technology investments' among four focus areas, and the 2026 10-Qs contain no AI. Old National's CEO tied 'technology, AI, and process improvements' to a 45.2% adjusted efficiency ratio on the July 2026 call.[9][10][19][20]

04

Less independent coverage than most peers

First Merchants scores 3 on independent sources, fifth of seven (median 5); Old National leads with 9. Most of First Merchants' AI record comes from a single business-journal panel and its own 10-K risk factor.[1][2]

AI index

Where does First Merchants 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
Old National Bancorp66#40 of 12092210 of 1418Vendor-delivered automation on an acquisition-built bank[21][22][23][24]
First Busey Corporation44.9#64 of 12042110 of 1313Director of AI, Data Science and Insights (from April 2026)[4][25][26][27][5][28]
First Merchants Corporation (this page)29.8#88 of 1203229 of 1118Not disclosed
WesBanco26.9#92 of 1202239 of 1217Not disclosed
First Commonwealth Financial Corporation25.9#94 of 1206147 of 810Not disclosed
Park National Corporation6.6#103 of 1202105 of 810Not disclosed
First Financial Bancorp4.4#105 of 1207248 of 1117Not disclosed
Component by component

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

Each row is one input of the index, counted on the profiles of First Merchants and the 6 peers that are scored on the same basis. "Place" is First Merchants's position in the group of 7 (1st = most).

Component (weight)First MerchantsPeer medianMost in the groupPlace
Independent sources (45%)35Old National (9)5th of 7
Use cases in production (10%)98.5Old National (10)3rd of 7
Own primary disclosures (10%)2221.5First Financial Bank (24)3rd of 7
Dated moves, last 12 months (10%)1815First Merchants (18)1st of 7
Disclosed numbers (5%)1213.5Old National (16)5th of 7
Named AI leaders (5%)76.5Old National (12)3rd of 7
Use cases described (5%)1111.5Old National (14)4th of 7
Head to head

What has each bank in First Merchants'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 Merchants CorporationNot disclosed7, incl. Mark K. Hardwick (President and CEO)[29][30][31]Digital platform conversion cost (non-core, 2024): $2.4 million (Dec 31, 2024)[2]Not disclosedNot surveyed
Old National BancorpVendor-delivered automation on an acquisition-built bank[21][22][23][24]12, incl. Jim Ryan (Chairman and CEO)[32][33]Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026)[34]None found (the profile's patent search)[35][36]1 open AI roles (Oct 1, 2026); most in AI product & strategy
First Financial BancorpNot disclosed7, incl. Archie Brown (Chief Executive Officer)[37][38][39]AI references in the 10-K, FY2023 / FY2024 / FY2025: none / 1 passage / about 25 (Feb 19, 2026)[40][41][13]Not disclosed0 open AI roles (Sep 24, 2026)
First Busey CorporationDirector of AI, Data Science and Insights (from April 2026)[4][25][26][27][5][28]8, incl. Van A. Dukeman (Chairman, President and CEO)[42][43]Not disclosedNot disclosedNot surveyed
Park National CorporationNot disclosed6, incl. Matthew R. Miller (President and Chief Executive Officer)[12][44]Virtual voice assistant self-service growth: 132% in 2025 (Dec 31, 2025)[12]Not disclosedNot surveyed
WesBancoNot disclosed5, incl. Jeff Jackson (President and CEO)[45][46]Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026)[47]Not disclosedNot surveyed
First Commonwealth Financial CorporationNot disclosed6, incl. Mike Price (President and Chief Executive Officer)[48]Full-time employees: 1,522 full-time and 55 part-time (Dec 31, 2025)[49]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of First Merchants 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 1, 2026First MerchantsCEO succession: Stewart to replace Hardwick on 1 January 2027[31][11]
Sep 14, 2026First Financial BankSuccession reshuffle: Anderson president, former CIO Myers COO[39][50]
Aug 27, 2026WesBancoQ3 2026 investor presentation repeats the AI initiatives[47]
Aug 11, 2026First MerchantsCustomer warning on bank-impersonation scams[51]
Aug 10, 2026First CommonwealthQ2 2026 10-Q: no AI language[52][53]
Aug 7, 2026Park NationalQ2 10-Q: data processing costs up, Tennessee legacy core still running[54]
Aug 6, 2026Busey BankQ2 2026 10-Q: AI named in forward-looking risks; headcount and data processing[55]
Aug 6, 2026First Financial BankQ2 2026 10-Q: no AI language[56][57]
Jul 30, 2026WesBancoQ2 2026 10-Q has no AI language[58]
Jul 29, 2026First CommonwealthQ2 2026 call: call-centre AI example[48][59]
Jul 29, 2026Old NationalQ2 2026 10-Q has no AI language[60][61][32]
Jul 28, 2026Busey BankQ2 2026 investor presentation: AI in the CFO's portfolio[27]
Jul 27, 2026Park NationalQ2 2026 results; conversion on track for third quarter[62]
Jul 22, 2026Old NationalQ2 2026 call: AI for scalability[20]
Named AI tools

What AI tools have First Merchants and its Midwest peers named?

The AI or automation tools each bank has named publicly, with the result it or its vendor reported. A blank means nothing is on the record, not that nothing exists.

BankToolWhereResult or scale disclosed
First MerchantsMicrosoft Copilot; AI 'front side sifter' for mortgage applicationsWhole organization; mortgage intakeNot disclosed (June 2026)[1]
BuseyGlia virtual assistants and Glia VoiceContact centre61.5% of calls handled; wrap-up time down 50% (February 2026)[5]
Old NationalAbrigo Loan Review Assistant; AI call-centre automationCredit review, contact centreAbout 31% higher reviewer efficiency (vendor-reported, July 2026)[7][6]
Park NationalAI-powered Auto-Coach for bankers; virtual voice assistantBranches and serviceVoice-assistant self-service up 132% in 2025[12]
First CommonwealthVendor-enabled AI that surfaces policy and procedure during callsCall centre'Probably a dozen or more' AI uses, per the CEO (July 2026)[48]
First FinancialNone named; Upstart Referral Network for personal loansConsumer lendingNot disclosed[63][13]
AI ownership and filings

Who owns AI at First Merchants and its peers, and what do their filings say?

The named owner of AI or technology, and how far AI has reached each bank's SEC filings.

BankNamed ownerWhat the filings sayDate
First MerchantsNo AI head; CIO Stephan Fluhler (since 2014)AI first appears in the FY2025 10-K: 13 mentions, all in one risk factor; none in the 2026 10-QsFebruary 2026[18][2][3][19]
Old NationalCIO Matt Keen; AI Center of ExcellenceFull AI risk factor in the FY2025 10-K naming 'digital employees and digital engineers'; board Enterprise Risk Committee updated on AIFebruary and April 2026[64][65]
BuseyAdrianne Bernini, director of AI, data science and insights10-K says AI-powered tools add layers of fraud and threat detectionApril 2026[4][26]
First FinancialNo AI head; CIO Donnie SlavensStand-alone AI risk factor with about 25 references; AI governance framework 'implemented' (2026 proxy)February and April 2026[13][66]
WesBancoNo AI or data leader namedAI named among competitors' technologies in the 10-K; AI expertise among desired director qualifications2026[67][68]
Park NationalCIO Malory Dcosta; no AI headNo AI in the 10-K filed February 23, 2026February 2026[12]
Digital platform and deals

How do First Merchants' digital and acquisition moves compare with its peers'?

The latest dated digital or acquisition move each bank has disclosed. Conversions take the same technology teams that would otherwise build AI.

BankMoveWhenScale disclosed
First MerchantsFirst Savings Financial Group acquired ($241 million in stock) and converted; Spiral savings and giving centre selected; 2024 digital platform conversionMay 2026; March 2026; 2024First Savings added 16 banking centres and $2.4 billion of assets; digital conversion cost $2.4 million[69][15][16][2]
Old NationalBremer Financial conversionsMid-October 2025100% of $111 million annual cost saves realised by April 2026[64][70]
BuseyCrossFirst Bankshares ($917 million) merged into Busey BankJune 20, 2025Glia voice AI absorbed 30,000 CrossFirst customers without extra headcount[71][5]
WesBancoPremier Financial conversionMay 2025About 80% of retail customers digital; 7.7 million logins a month (2026)[72][47]
First FinancialWestfield, BankFinancial and Finward acquisitions2025 to 2027Chicagoland deposits of $4.1 billion after Finward[37]
The peer group

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

First Merchants Corporation is compared here with Old National Bancorp, First Financial Bancorp, First Busey Corporation, Park National Corporation, WesBanco and First Commonwealth Financial Corporation: chosen by the editors for this page (see the note below the table). First Merchants Corporation is classed as a regional or retail-commercial bank in the Midwest.

The computed group mixed in First National Bank of Omaha, Seacoast (Florida), CVB Financial (California) and Central Bancompany (Missouri); this group holds the Midwest regionals that compete in First Merchants' Indiana, Ohio and Michigan markets or next to them: Old National and First Financial in Indiana, Park National, WesBanco and First Commonwealth in Ohio, and Busey in Illinois.

Common questions

Is First Merchants better than Old National at AI?

The record cannot settle capability, but Old National has put more on it: 66 on this site's disclosure index against First Merchants' 29.8. Old National runs an AI Center of Excellence and reports vendor results in loan review. First Merchants has rolled out Microsoft Copilot across the organization and uses AI at mortgage intake, without a disclosed result.[6][7][1]

Does First Merchants Bank use AI?

Yes. A First Merchants executive said in June 2026 that Microsoft Copilot has been rolled out through the entire organization and that AI sifts incoming mortgage applications. Its 2025 10-K says the bank and its vendors use machine-learning and generative AI tools under governance and control frameworks. No AI leader or budget is disclosed.[1][2]

How does First Merchants compare with Busey on AI?

Busey scores 44.9 on this site's index and First Merchants 29.8. Busey named a director of AI, data science and insights in April 2026 and reports Glia virtual assistants handling 61.5% of calls. First Merchants' AI is a firm-wide Copilot rollout and mortgage-intake AI, with no named owner.[4][5][1]

Which Indiana bank has the most disclosed AI?

Among Indiana-based banks on this site, Old National scores 66 on the AI disclosure index and First Merchants 29.8. Old National's record includes an AI Center of Excellence and Abrigo's AI loan review; First Merchants' includes a Copilot rollout and mortgage AI. JPMorgan Chase, the largest deposit holder in Indiana, is scored among the large banks.[6][7][1][73]

Who leads technology and AI at First Merchants?

Chief information officer Stephan Fluhler, CIO since May 2014 and CTO from 2004 to 2014, leads technology; Eva Scurlock has been chief risk officer since January 2026. No chief AI or data officer is named. President Mike Stewart becomes CEO on January 1, 2027, succeeding Mark Hardwick.[18][11]

How does First Merchants' technology spending compare?

First Merchants does not publish a technology budget. Its 10-K shows equipment expense of $28.6 million and outside data processing fees of $27.5 million in 2025. WesBanco's equipment and software expense rose 51.6% to $62.6 million in 2025 during its Premier conversion, and Busey's data processing expense was $43.2 million.[2][67][26]

What does First Merchants' 10-K say about AI compared with peers'?

Its FY2025 10-K mentions artificial intelligence 13 times, all in one risk factor: the bank and its vendors use AI tools, and failing to embrace AI could be a competitive disadvantage. First Financial's 10-K has about 25 AI references; Park National's has none; Busey's says AI-powered tools add fraud and threat detection.[2][13][12][26]

How does First Merchants compare with First Financial Bancorp on AI?

First Merchants scores 29.8 on this site's disclosure index and First Financial 4.4. First Merchants has rolled out Microsoft Copilot across the organization and uses AI at mortgage intake; First Financial has an AI governance framework and a 10-K with about 25 AI references but names no AI tool. Both compete in Indiana, where First Merchants holds $11.67 billion of deposits and First Financial $6.20 billion.[1][66][13][73]

Does First Merchants have an AI assistant for customers?

Not one it has disclosed. Its AI on the record is internal: Microsoft Copilot across the organization and AI that sifts incoming mortgage applications. Among Midwest rivals, Fifth Third's Jeanie chatbot was named Best Chatbot of 2026, and Busey reports Glia virtual assistants handling 61.5% of its calls.[1][74][5]

Peers on this site
Old National AI strategy →How Old National Bancorp compares with its peers →First Financial Bank AI strategy →How First Financial Bancorp compares with its peers →Busey Bank AI strategy →How First Busey Corporation compares with its peers →Park National Bank AI strategy →How Park National Corporation compares with its peers →WesBanco AI strategy →How WesBanco compares with its peers →First Commonwealth Bank AI strategy →How First Commonwealth Financial Corporation compares with its peers →
Deeper on First Merchants
First Merchants AI strategy: the full profile →First Merchants Corporation competitors and alternatives →What is First Merchants' AI strategy? →What technology stack does First Merchants Bank run? →First Merchants AI profile →First Merchants competitors and alternatives →Old National AI profile →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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