# First United Bank & Trust (Spend Life Wisely Company) vs peers: AI and technology compared

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

*Part of the [First United Bank & Trust (Spend Life Wisely Company) AI strategy profile](https://www.bankingnewsai.com/banks/first-united). Peer group: BancFirst Corporation, Arvest Bank, First Financial Bankshares, Hilltop Holdings, Simmons First National Corporation, Prosperity Bancshares, BOK Financial Corporation, Cullen/Frost Bankers.*

## How does First United Bank & Trust (Spend Life Wisely Company) compare with its peers on AI and technology?

On this site's AI disclosure index First United Bank & Trust scores 26.7 (#93 of 120 US banks), sixth in a nine-bank Oklahoma and Texas group behind Frost (49.3), BOK Financial (41.8), Prosperity (40), Arvest (37.2) and Hilltop (30.7), and ahead of BancFirst (11.3), Simmons (3.6) and First Financial Bankshares (0.9). As a private bank it files no 10-K and holds no earnings calls, so its record comes from its own reports and interviews. On that record it has more AI ownership than most of the group: its 2025 Impact Report lists a director of AI program strategy and execution alongside a three-person analytics team, and only Frost names more AI leaders. In December 2025 an executive said the bank 'currently integrates AI in three key areas: process improvement, user experience, and leadership development', and it is a named partner in Southeastern Oklahoma State University's state-funded AI programme. What it lacks is a named tool or a result. Frost reports that its Blend digital account opening lifted completion from 50% to 80% and cut manual reviews from 15% to 3% (August 2026). BOK Financial's trust reviewers save about 4 hours per initial review with Vanilla's AI (vendor-reported, August 2026). Arvest moved to Google Cloud to adopt its AI and machine-learning tools. Hilltop's PrimeLending runs 15 AI tools in mortgage, where First United originated $2.23 billion in 2025. First United names no AI vendor, model or usage figure. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough))

## Where does First United Bank lead its peers on AI?

- **A named AI director, which most of the group lacks.** First United's 2025 Impact Report lists Jay Liles as senior vice president and director of AI program strategy and execution, with a director of analytics, a data scientist and a senior data engineer. First United places 2nd of 9 on named AI leaders, behind Frost, whose chief consumer banking and technology officer runs both technology and the consumer bank. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/))
- **The most AI use cases in production on the record.** First United's profile records 8 use cases in production, the most in the group (median 5), from AI in process improvement, user experience and leadership development to a Business Fraud Risk Calculator built on its own account data, which won a MarCom gold award. ([Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/), [First United Bank](https://firstunitedbank.com/business/fraud-calculator), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))
- **An AI workforce partnership in its home region.** First United is a named partner in Southeastern Oklahoma State University's AI programme, funded with about $500,000 of a $3.4 million State Regents award in December 2025, for AI literacy and workforce readiness in Durant's region. ([Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/))

## Where does First United Bank trail its peers on AI?

- **No AI tool or vendor named, unlike Frost, BOK Financial and BancFirst.** First United names no AI product or vendor. Frost uses Blend for digital account opening and a LivePerson AI co-pilot in its contact center; BOK Financial uses Vanilla for trust reviews; BancFirst is a Webex AI Agent customer (per Cisco, September 2025). ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations))
- **No AI in mortgage on the record, its biggest line, while Hilltop's lender has 15 tools.** First United originated $2.23 billion of home mortgages in 2025 and ranks #44 among US mortgage lenders by Scotsman Guide, but describes no AI in mortgage. Hilltop's PrimeLending implemented 15 AI tools ('MoBots') over two years (November 2024). ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough))
- **No cloud or core modernization figure to set beside Arvest's.** First United deployed nCino and Enlight as enterprise platforms in 2024 but discloses no migration or usage figures. Arvest has moved 40% of targeted applications to the cloud, cut on-premises servers at one data center by 98% (April 2025) and adopted Google's AI and machine-learning tools. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud))
- **Less outside coverage than the group.** First United has 5 independent sources on its AI record, 6th of 9 against a median of 6.5; BOK Financial has 9 and Hilltop 8. Without SEC filings or earnings calls, its AI record rests on its own impact report, interviews and customer content. ([Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster))

## Where does First United Bank 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | [37.2](https://www.bankingnewsai.com/banks/ai-index) | #79 of 120 | [7](https://www.bankingnewsai.com/banks/arvest#sources) | [12](https://www.bankingnewsai.com/banks/arvest#sources) | [4 of 11](https://www.bankingnewsai.com/banks/arvest#where) | [9](https://www.bankingnewsai.com/banks/arvest#timeline) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | [30.7](https://www.bankingnewsai.com/banks/ai-index) | #87 of 120 | [8](https://www.bankingnewsai.com/banks/hilltop#sources) | [9](https://www.bankingnewsai.com/banks/hilltop#sources) | [6 of 9](https://www.bankingnewsai.com/banks/hilltop#where) | [10](https://www.bankingnewsai.com/banks/hilltop#timeline) | Not disclosed |
| [First United Bank & Trust (Spend Life Wisely Company) (this page)](https://www.bankingnewsai.com/banks/first-united) | [26.7](https://www.bankingnewsai.com/banks/ai-index) | #93 of 120 | [5](https://www.bankingnewsai.com/banks/first-united#sources) | [13](https://www.bankingnewsai.com/banks/first-united#sources) | [8 of 10](https://www.bankingnewsai.com/banks/first-united#where) | [12](https://www.bankingnewsai.com/banks/first-united#timeline) | Not disclosed |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | [11.3](https://www.bankingnewsai.com/banks/ai-index) | #101 of 120 | [3](https://www.bankingnewsai.com/banks/bancfirst#sources) | [14](https://www.bankingnewsai.com/banks/bancfirst#sources) | [6 of 7](https://www.bankingnewsai.com/banks/bancfirst#where) | [11](https://www.bankingnewsai.com/banks/bancfirst#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | [0.9](https://www.bankingnewsai.com/banks/ai-index) | #120 of 120 | [2](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [17](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [0 of 1](https://www.bankingnewsai.com/banks/first-financial-bankshares#where) | [12](https://www.bankingnewsai.com/banks/first-financial-bankshares#timeline) | Not disclosed |

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

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

| Component (weight) | First United Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 6.5 | [BOK Financial (9)](https://www.bankingnewsai.com/banks/bok-financial) | 6th of 9 |
| Use cases in production (10%) | 8 | 5 | [First United Bank (8)](https://www.bankingnewsai.com/banks/first-united) | 1st of 9 |
| Own primary disclosures (10%) | 13 | 15 | [Simmons Bank (22)](https://www.bankingnewsai.com/banks/simmons) | 7th of 9 |
| Dated moves, last 12 months (10%) | 12 | 14.5 | [BOK Financial (20)](https://www.bankingnewsai.com/banks/bok-financial) | 5th of 9 |
| Disclosed numbers (5%) | 12 | 12 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 4th of 9 |
| Named AI leaders (5%) | 10 | 7.5 | [Frost (12)](https://www.bankingnewsai.com/banks/frost) | 2nd of 9 |
| Use cases described (5%) | 10 | 8.5 | [Arvest (11)](https://www.bankingnewsai.com/banks/arvest) | 2nd of 9 |

## What has each bank in First United Bank'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 United Bank & Trust (Spend Life Wisely Company)](https://www.bankingnewsai.com/banks/first-united) | Not disclosed | [10, incl. Greg Massey (Chairman and CEO)](https://www.bankingnewsai.com/banks/first-united#people) ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) | Employees (FDIC call report): 1,886 (end-2023: 1,945) (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20)) | Not disclosed | Not surveyed |
| [BancFirst Corporation](https://www.bankingnewsai.com/banks/bancfirst) | Not disclosed | [4, incl. David Harlow (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/bancfirst#people) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm), [American Banker](https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival)) | Full-time-equivalent employees: 2,260 (Dec 31, 2025) ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm)) | Not disclosed | Not surveyed |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [7, incl. Matt Machen (President and CEO)](https://www.bankingnewsai.com/banks/arvest#people) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) | Employees (call report): 6,087 (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) | Not disclosed | Not surveyed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [6, incl. David Bailey (President and CEO)](https://www.bankingnewsai.com/banks/first-financial-bankshares#people) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) | Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) | Not disclosed | Not surveyed |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/hilltop#people) ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) | PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024) ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | Not disclosed | Not surveyed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |

## What are the latest dated moves on the AI record of First United Bank and its peers?

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

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 7, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| Sep 29, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 10, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Business fraud-awareness guidance ([First United Bank](https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 11, 2026 | [First United Bank](https://www.bankingnewsai.com/banks/first-united) | Transformation leader on technology as enterprise capability ([Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology)) |
| Aug 7, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | 10-Q lists AI among technology and competition risks ([BancFirst Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 4, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Second-quarter 10-Q has no AI reference ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 24, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | Q2 2026 10-Q has no AI language ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm)) |
| Jul 23, 2026 | [BancFirst](https://www.bankingnewsai.com/banks/bancfirst) | CEO Harlow's second-quarter comment omits AI ([BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en)) |
| May 5, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| Apr 8, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 20th among US banks on Forbes' World's Best Banks ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) |

## What AI has each Oklahoma and Texas peer put on the record?

The most concrete AI or digital deployment each bank has disclosed, with its result. A blank means nothing is disclosed, not that nothing exists.

| Bank | AI or digital tool | Result disclosed | Date |
| --- | --- | --- | --- |
| First United | AI in process improvement, user experience and leadership development; Business Fraud Risk Calculator | Not disclosed | December 2025; March 2026 ([Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| Frost | Blend digital account opening; LivePerson AI co-pilot in the contact center | Completion 50% to 80%; manual review 15% to 3%; 91% satisfaction (vendor-reported) | August 2026; July 2024 ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy)) |
| BOK Financial | Vanilla AI for initial trust reviews | About 4 hours saved per review (vendor-reported) | August 2026 ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Arvest | Google Cloud AI and ML tools; cloud-native core on Thought Machine | 40% of targeted applications in the cloud; 98% fewer on-premises servers at one data center | April 2025 ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud)) |
| Hilltop (PrimeLending) | 15 AI tools ('MoBots') in mortgage | Implemented over two years | November 2024 ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) |
| BancFirst | Webex AI Agent for internal support | Customer named by Cisco; no results disclosed by the bank | September 2025 ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations)) |
| Prosperity | Real-time core | Converted February 17, 2026; post-weekend account updates in about 1.5 hours | April 2026 ([Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |

## Who leads AI and technology at First United and its peers?

The technology and AI executives each bank names.

| Bank | AI or technology owner | Detail | Date |
| --- | --- | --- | --- |
| First United | Jay Liles, SVP and director of AI program strategy and execution; Tadd Tobkin, EVP and chief technology officer | Analytics team of three named officers; COO oversees IT; chief transformation officer Justin Sanderson | March and August 2026 ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology)) |
| Frost | Jimmy Stead, chief consumer banking and technology officer | 66% of tier-one capabilities modernized, 40% in the cloud; target 91% in 2027 | August 2026 ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| Arvest | Technology leadership running a multi-year cloud migration | More than 1,000 technologists mapped to learning journeys | December 2023 ([CIO Dive](https://ciodive.com/news/Arvest-Bank-tech-modernization-transformation-leadership/701475)) |
| Prosperity | CEO-led technology spending | $75 million to $90 million a year (CEO estimate) | April 2026 ([Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |

## How does First United's customer digital offer compare with its peers'?

Customer-facing digital tools and the figures each bank reports.

| Bank | Customer digital offer | Figure | Date |
| --- | --- | --- | --- |
| First United | Finotta Personified guidance in digital banking (co-developed; not described as AI); fraud calculator for businesses | 120 new savings accounts in the first 24 hours of the Finotta launch | November 2022; March 2026 ([PR Newswire (Finotta)](https://prnewswire.com/news-releases/finotta-partners-with-first-united-bank--trust-for-investment-and-launch-of-personalization-technology-301477906.html), [FinTech Futures (Business Wire release)](https://fintechfutures.com/press-releases/first-united-bank-successfully-rolls-out-finotta-to-customers-sees-120-new-savings-accounts-within-first-24-hours), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| Frost | Frost mobile app | 4.9 App Store rating; 53% of consumer deposit accounts opened online; 81% of checking households engage digitally | June 30, 2026 ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| Arvest | First product on its new core built in under nine months | Live October 2022 | February 2023 ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html)) |
| Prosperity | Online banking, Treasury Center and Zelle on a real-time core | Converted February 2026 | February 2026 ([Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |

## How does First United's mortgage business compare with its rivals' on technology?

Mortgage volume and the AI or automation each lender has disclosed.

| Lender | Volume or rank | AI or automation disclosed | Date |
| --- | --- | --- | --- |
| First United | $2.23 billion of 2025 home mortgage volume; #44 US mortgage lender (Scotsman Guide); #1 in Austin (Mortgage Executive Magazine) | None disclosed; nCino and Enlight deployed as enterprise platforms in 2024 | March 2026 ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94)) |
| PrimeLending (Hilltop) | About $10 million of annualized fixed costs cut | 15 AI tools ('MoBots') implemented over two years | November 2024; July 2026 ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough), [American Banker](https://www.americanbanker.com/news/primelending-tempers-mortgage-expectations-after-q2-loss)) |
| Frost | $595 million of 2025 originations, 19% above goal | Blend digital origination platform | May and August 2026 ([American Banker](https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |

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

First United Bank & Trust (Spend Life Wisely Company) is compared here with BancFirst Corporation, Arvest Bank, First Financial Bankshares, Hilltop Holdings, Simmons First National Corporation, Prosperity Bancshares, BOK Financial Corporation and Cullen/Frost Bankers: chosen by the editors for this page (see the note below the table). First United Bank & Trust (Spend Life Wisely Company) is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in Banner (Washington), NBT (New York) and FB Financial (Tennessee); this group holds the Oklahoma, Arkansas and Texas banks that meet First United in its two states, from Oklahoma's BOK Financial, BancFirst and Arvest to Texas's Frost, Prosperity, Hilltop and First Financial, plus Simmons, which competes in First United's home county.

## Common questions

### Does First United Bank use AI?

Yes, by its own account. Executive vice president Melissa Perrin said in December 2025 that the bank 'currently integrates AI in three key areas: process improvement, user experience, and leadership development', and its 2025 Impact Report lists a director of AI program strategy and execution. It has not named an AI vendor, model, tool or budget. ([Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))

### Is First United behind Frost on AI?

On the public record, yes: Frost scores 49.3 on this site's disclosure index and First United 26.7. Frost reports results from named tools, such as digital account-opening completion rising from 50% to 80% with Blend. First United names an AI director and AI uses but no tool or result. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/))

### How does First United compare with BOK Financial on AI?

BOK Financial scores 41.8 on this site's index against First United's 26.7. BOK's trust reviewers save about 4 hours per initial review with Vanilla's AI (vendor-reported), though BOK made no AI remarks on four earnings calls to Q2 2026. First United names an AI director that BOK's profile does not show. ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))

### Who leads AI at First United Bank?

Jay Liles, senior vice president and director of AI program strategy and execution, per the 2025 Impact Report, which also lists a director of analytics, a data scientist and a senior data engineer. Tadd Tobkin, executive vice president and chief technology officer, describes moving technology 'from a support function to more of an enterprise capability'. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Interface / FinTech Strategy (B2E Media)](https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology))

### Why is there less public information on First United's technology than on its peers'?

First United is privately held by the Massey family's Spend Life Wisely Company, so it files no 10-K and holds no earnings calls. Its public record is its annual Impact Report, FDIC call reports, interviews and customer content; its peers file 10-Ks and discuss technology on quarterly calls. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20), [Federal Register (Board of Governors of the Federal Reserve System)](https://www.federalregister.gov/documents/2026/04/23/2026-07976/change-in-bank-control-notices-acquisitions-of-shares-of-a-bank-or-bank-holding-company))

### Does First United use AI in mortgage lending?

It has not said so. First United originated $2.23 billion of home mortgages in 2025 and Scotsman Guide ranks it #44 among US mortgage lenders, but it describes no AI in that business. Hilltop's PrimeLending, a Texas rival, implemented 15 AI tools over two years. ([First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough))

### How does First United compare with BancFirst, the other Oklahoma community bank?

First United scores 26.7 on this site's index and BancFirst 11.3. BancFirst names one AI deployment, a Webex AI Agent for internal support; First United names an AI director and AI in process improvement and user experience. BancFirst has 109 Oklahoma locations; First United's 75 locations span Oklahoma and Texas. ([Cisco Webex (vendor blog)](https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations), [BancFirst Corporation](https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94), [Southeastern Oklahoma State University](https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/))

### How does First United compare with Arvest on technology?

Arvest scores 37.2 on this site's index against First United's 26.7. Arvest has spent years moving to a cloud-native core on Thought Machine and migrating data centers to Google Cloud to adopt its AI and machine-learning tools, with completion slated for 2027. First United deployed nCino and Enlight in 2024 and names an AI director, but discloses no cloud or AI tooling. ([Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud), [First United Bank](https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94))

### Does First United have an AI chatbot?

None is described. Its customer AI content is educational: a guide to ChatGPT privacy risks, a 2026 cybersecurity guide that flags AI-personalized scams, and warnings about AI-generated fake invoices for businesses. Its digital banking includes Finotta's personalized guidance, which the bank does not describe as AI. ([First United Bank](https://www.firstunitedbank.com/spendlifewisely/chatgpt-privacy-risks-protecting-sensitive-information-digital-age), [First United Bank](https://www.firstunitedbank.com/spendlifewisely/cybersecurity-threats-rise-2026-what-you-can-do-protect-what-matters-most), [First United Bank](https://www.firstunitedbank.com/spendlifewisely/business-lessons-2025-will-shape-2026), [PR Newswire (Finotta)](https://prnewswire.com/news-releases/finotta-partners-with-first-united-bank--trust-for-investment-and-launch-of-personalization-technology-301477906.html))

## Peers on this site

- [BancFirst Corporation AI strategy](https://www.bankingnewsai.com/banks/bancfirst) · [vs peers](https://www.bankingnewsai.com/banks/bancfirst/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)

## Sources

1. Impact Report 2025 — First United Bank, Mar 20, 2026. https://firstunitedbank.com/_s3/firstunitedbank-com/files/document/ImpactReport2025.pdf?VersionId=HIOSkTx5ZoQnwHiTnb8zuVq9NIVbvo94
2. Southeastern awarded $500,000 grant from state regents for AI programs — Southeastern Oklahoma State University, Dec 8, 2025. https://www.se.edu/2025/12/southeastern-awarded-500000-grant-from-state-regents-for-ai-programs/
3. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
4. How BOK Financial Streamlines Trust Reviews with Vanilla — Vanilla (vendor case study), Aug 13, 2026. https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster
5. Are banks saving money as they migrate to the cloud? What you need to know — American Banker, Sep 9, 2024. https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud
6. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
7. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
8. Business Fraud Risk Calculator — First United Bank, Oct 14, 2026. https://firstunitedbank.com/business/fraud-calculator
9. Inside look: Frost Bank's AI and payments strategy — Bank Automation News, Jul 29, 2024. https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy
10. Webex AI Innovations Transform Customer Experience at WebexOne 2025 — Cisco Webex (vendor blog), Sep 30, 2025. https://blog.webex.com/customer-experience/webexone-2025-connected-intelligence-redefining-cx-with-new-innovations
11. Arvest Bank moves 40% of apps to cloud — Bank Automation News, Apr 4, 2025. https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/
12. First United Bank: Combining Community Banking Values with Modern Technology — Interface / FinTech Strategy (B2E Media), Aug 11, 2026. https://interface.media/blog/executiveinsights/first-united-bank-combining-community-banking-values-with-modern-technology
13. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
14. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
15. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
16. Customer letter: real-time processing system upgrade — Prosperity Bank, Jan 9, 2026. https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf
17. Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings — Prosperity Bancshares, Apr 29, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf
18. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
19. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
20. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
21. Arvest names new CIO, Chief Credit Administration Officer — Arvest Bank, Dec 3, 2025. https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer
22. Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending — Baker Hill (PR Newswire), Feb 9, 2026. https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html
23. Arvest Named One of America's Most Innovative Companies 2026 by Fortune — Arvest Bank, Mar 25, 2026. https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune
24. Arvest Bank Collaborates with Tech Leaders Thought Machine and Accenture for Next Generation Core Banking Platform — Arvest Bank (Business Wire via FinTech Futures), Sep 16, 2021. https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform
25. Arvest Bank launches real-time banking capabilities using Thought Machine core technology — Arvest Bank (PR Newswire), Feb 23, 2023. https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html
26. Arvest Bank Announces Collaboration with Google Cloud — Arvest Bank, Jul 25, 2022. https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud
27. FDIC BankFind financial data, First United Bank and Trust Company (CERT 4239), 2023-2026 call reports — FDIC, Jun 30, 2026. https://api.fdic.gov/banks/financials?filters=CERT%3A4239%20AND%20REPDTE%3A%5B20231231%20TO%2020260630%5D&fields=REPDTE,ASSET,DEP,NETINC,ROA,ROE,NUMEMP&sort_by=REPDTE&sort_order=ASC&limit=20
28. BancFirst Corporation Form 10-K for the fiscal year ended December 31, 2025 — BancFirst Corporation (SEC filing), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526075954/banf-20251231.htm
29. BancFirst to bulk up in Tulsa by acquiring Oklahoma rival — American Banker, Jun 11, 2026. https://americanbanker.com/news/bancfirst-to-bulk-up-in-tulsa-by-acquiring-oklahoma-rival
30. Arvest Ranked Top 20 on Forbes' World's Best Banks List — Arvest Bank, Apr 8, 2026. https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list
31. FDIC BankFind financial data, Arvest Bank (cert 8728), quarter ended 30 June 2026 — FDIC, Jun 30, 2026. https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4
32. First Financial Bankshares, Inc. Form 8-K (CEO transition), January 27, 2026 — First Financial Bankshares (SEC filing), Jan 28, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm
33. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
34. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bankshares (SEC filing), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm
35. Hilltop Holdings Inc. Form 10-K for the fiscal year ended December 31, 2025 — Hilltop Holdings (SEC filing), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm
36. Simmons First National Corporation Reports Second Quarter Results — Simmons First National, Jul 16, 2026. https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results
37. Simmons Bank hires new leaders to boost organic growth — American Banker, Feb 2, 2026. https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth
38. Simmons First National Corporation 2026 Proxy Statement (Schedule 14A) — Simmons First National (SEC filings), Apr 8, 2026. https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm
39. Prosperity blames loan-growth woes on newcomers' pricing — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing
40. BOK counting on mortgage finance for a boost in 2026 — American Banker, Jan 27, 2026. https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026
41. Kymes: Credit is still very benign despite recent headlines — CNBC, Oct 22, 2025. https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html
42. BOK Financial (BOKF) Q3 2025 earnings call transcript — The Motley Fool (earnings call transcript), Oct 21, 2025. https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/
43. Earnings call transcript: BOK Financial Q4 2025 earnings beat expectations — Investing.com, Jan 20, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059
44. BOK Financial (BOKF) Q1 2026 earnings call transcript — The Motley Fool (earnings call transcript), Apr 21, 2026. https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript
45. Earnings call transcript: BOK Financial beats Q2 2026 EPS forecast, shares slip — Investing.com, Jul 21, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980
46. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
47. US20170316393A1: System, apparatus and method for linking financial accounts to a subscription service and waiving select fees of those linked financial accounts — Google Patents (USPTO), Nov 2, 2017. https://patents.google.com/patent/US20170316393A1/en
48. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript
49. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
50. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html
51. Simmons First National Corporation to Host Investor Day — Simmons First National, Sep 22, 2026. https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day
52. Protect What You've Built: Creating a Fraud-Aware Business — First United Bank, Sep 10, 2026. https://www.firstunitedbank.com/spendlifewisely/protect-what-youve-built-creating-fraud-aware-business
53. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
54. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
55. BancFirst Corporation Form 10-Q for the quarterly period ended June 30, 2026 — BancFirst Corporation (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/760498/000119312526339980/banf-20260630.htm
56. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
57. First Financial Bankshares, Inc. Form 10-Q for the quarter ended June 30, 2026 — First Financial Bankshares (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm
58. Hilltop Holdings Inc. Form 10-Q for the quarter ended June 30, 2026 — Hilltop Holdings (SEC filing), Jul 24, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm
59. BancFirst Corporation reports second quarter earnings (2Q 2026 press release) — BancFirst Corporation, Jul 23, 2026. https://bancfirst.bank/getContentAsset/559c5e54-8867-4117-b5f1-820cd9e0ca1e/582e10d9-e479-4901-9a67-7b8c0f57354b/2Q-2026-Press-release.pdf?language=en
60. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
61. Prosperity (PB) Q1 2026 Earnings Transcript — Earnings call transcript (The Motley Fool), Apr 29, 2026. https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript
62. For Arvest Bank, wholesale cloud modernization had to start small — CIO Dive, Dec 5, 2023. https://ciodive.com/news/Arvest-Bank-tech-modernization-transformation-leadership/701475
63. Finotta partners with First United Bank & Trust for investment and launch of personalization technology — PR Newswire (Finotta), Feb 8, 2022. https://prnewswire.com/news-releases/finotta-partners-with-first-united-bank--trust-for-investment-and-launch-of-personalization-technology-301477906.html
64. First United Bank successfully rolls out Finotta to customers, sees 120 new savings accounts within first 24 hours — FinTech Futures (Business Wire release), Dec 15, 2022. https://fintechfutures.com/press-releases/first-united-bank-successfully-rolls-out-finotta-to-customers-sees-120-new-savings-accounts-within-first-24-hours
65. PrimeLending tempers mortgage expectations after Q2 loss — American Banker, Jul 24, 2026. https://www.americanbanker.com/news/primelending-tempers-mortgage-expectations-after-q2-loss
66. How AI is supporting bank mortgage growth plans — American Banker, May 12, 2026. https://www.americanbanker.com/news/how-ai-is-supporting-bank-mortgage-growth-plans
67. Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company — Federal Register (Board of Governors of the Federal Reserve System), Apr 23, 2026. https://www.federalregister.gov/documents/2026/04/23/2026-07976/change-in-bank-control-notices-acquisitions-of-shares-of-a-bank-or-bank-holding-company
68. ChatGPT Privacy Risks: Protecting Sensitive Information in the Digital Age — First United Bank, Aug 5, 2025. https://www.firstunitedbank.com/spendlifewisely/chatgpt-privacy-risks-protecting-sensitive-information-digital-age
69. Cybersecurity Threats on the Rise in 2026: What You Can Do to Protect What Matters Most — First United Bank, Jan 21, 2026. https://www.firstunitedbank.com/spendlifewisely/cybersecurity-threats-rise-2026-what-you-can-do-protect-what-matters-most
70. Business Lessons from 2025 That Will Shape 2026 — First United Bank, Nov 13, 2025. https://www.firstunitedbank.com/spendlifewisely/business-lessons-2025-will-shape-2026

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