# FirstSun Capital Bancorp vs peers: AI and technology compared

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

*Part of the [FirstSun Capital Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/firstsun). Peer group: National Bank Holdings Corporation, BOK Financial Corporation, UMB Financial, Glacier Bancorp, First Interstate BancSystem, Western Alliance Bancorporation, Banc of California, Banner Corporation.*

## How does FirstSun Capital Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index FirstSun scores 2.1 (#113 of 120 US banks), seventh in a nine-bank group of Western and Southwestern regionals. It sits level with Glacier (2) and National Bank Holdings (2) at the bottom of the group, far behind Western Alliance (71.8), First Interstate (51.3), UMB (47.9) and BOK Financial (41.8). The gap is a disclosed program. FirstSun has named no AI tool, vendor, use case, budget or leader as of October 2026, and neither its April nor its July 2026 earnings call discussed AI. Western Alliance's CEO named 15 AI use cases in September 2026, and the bank estimates 150,000+ employee hours saved through Microsoft Copilot. Banc of California says more than 80% of its developers use AI daily. First Interstate is one of six banks co-developing agents with Fiserv. FirstSun's technology year went to its merger with First Foundation, which closed on April 1, 2026. First Foundation customers moved onto Sunflower's systems on the weekend of September 18 to 20, 2026, under six months after closing. By June 30 it had achieved 65% of a $68 million annual cost-save target, and it expects an efficiency ratio in the high 50s to low 60s by the first quarter of 2027. Its 2025 10-K, filed March 6, 2026, names the risk plainly: if it fails to keep pace with AI-enabled analytics and customer offerings, its competitive positioning could suffer. ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/28/firstsun-fsun-q1-2026-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-firstsun-capital-bancorp-q2-2026-loss-stock-jumps-10-93CH-4817682), [Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [FirstSun Capital Bancorp (Business Wire)](https://www.businesswire.com/news/home/20260331761127/en/FirstSun-Capital-Bancorp-and-First-Foundation-Inc.-Complete-Merger), [Sunflower Bank](https://sunflowerbank.com/merger-updates), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/firstsun-capital-bancorp-q2-2026-123000033.html))

## Where does FirstSun lead its peers on AI?

- **A merger conversion done in under six months.** FirstSun closed First Foundation on April 1, 2026 and moved its customers onto Sunflower's systems on September 18 to 20, 2026. UMB closed Heartland on January 31, 2025 and completed the conversion in mid-October 2025, and National Bank Holdings, which closed Vista on January 7, 2026, scheduled its systems integration for the third quarter. Glacier converted Guaranty faster, in the first quarter of 2026 after an October 1, 2025 close. ([FirstSun Capital Bancorp (Business Wire)](https://www.businesswire.com/news/home/20260331761127/en/FirstSun-Capital-Bancorp-and-First-Foundation-Inc.-Complete-Merger), [Sunflower Bank](https://sunflowerbank.com/merger-updates), [Banking Dive](https://www.bankingdive.com/news/umb-bank-acquisitions-kemper-htlf-consolidation-wealth/740518/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [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), [Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm))
- **A cost-save target counted quarter by quarter.** FirstSun reported 65% of its $68 million annual merger cost-save target achieved by June 30, 2026, with the rest tied to the September core conversion, and guided to an efficiency ratio in the high 50s to low 60s by Q1 2027. BOK Financial guides to an efficiency ratio near 63% for 2026, and Western Alliance's CEO says no AI return is yet embedded in its models. ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/firstsun-capital-bancorp-q2-2026-123000033.html), [American Banker](https://www.americanbanker.com/news/firstsuns-boosts-outlook-on-impact-of-first-foundation-deal), [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://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090))
- **A named loan-operations integration already running.** Sunflower's CIO Brian Mulcahey said in February 2025 that its nCino and Sandbox Banking integration streamlines processes and reduces manual data entry for loan operations. Banner was still bringing its new loan and deposit origination system live through 2025 and wrote off its previous commercial loan origination system, $924,000, in Q2 2026. ([nCino](https://ncino.com/en-US/news/ncino-acquires-sandbox-banking), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banner-banr-q3-2025-earnings-164358892.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-banner-misses-q2-2026-estimates-as-shares-slip-93CH-4809573))

## Where does FirstSun trail its peers on AI?

- **No AI use case disclosed while Western Alliance names 15.** FirstSun's profile records one described AI use case and none in production. Western Alliance's CEO identified 15 AI use cases in September 2026, with the top five to be costed into 2027 plans, and its May 2026 investor day projected a 25% cut in lending cycle time and 60-80% faster financial-crimes triage. ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))
- **No employee AI tools on the record.** FirstSun names no internal AI assistant or coding tool. Banc of California reports nearly universal employee access to AI tools and more than 80% of developers using AI daily (April 2026), and Western Alliance estimates more than 150,000 employee hours saved through Microsoft Copilot. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-firstsun-capital-bancorp-q2-2026-loss-stock-jumps-10-93CH-4817682), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))
- **No customer AI assistant, unlike Banner.** FirstSun discloses no customer-facing AI. Banner runs the Banner Virtual Assistant by phone and secure chat 24 hours a day, and Glia gave it a 2025 award for AI agents that extend service hours and hand off to staff without increasing agent headcount. ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Glia](https://www.glia.com/news/glia-announces-2025-catalyst-awards-winners-celebrating-ai-driven-breakthroughs-in-community-banking))
- **No disclosed AI fraud tooling after a $22 million fraud loss.** In July 2026 FirstSun took an expected $22.0 million charge-off after a borrower misrepresented receivables and collateral, and its 10-K warns that generative AI may make social-engineering fraud harder to detect. Western Alliance's AI-driven fraud scoring helped prevent more than 723 million fraudulent class-action claims in 2024, and BOK's CISO says it is implementing AI into its systems against payment fraud. ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000041/fcb-20260709.htm), [American Banker](https://www.americanbanker.com/news/firstsun-joins-list-of-banks-hit-by-borrower-fraud), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [BOK Financial (The Statement)](https://www.bokfinancial.com/insights/articles/ai-a-double-edged-sword))

## Where does FirstSun 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [First Interstate BancSystem](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/)) |
| [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 |
| [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)) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | [34.7](https://www.bankingnewsai.com/banks/ai-index) | #82 of 120 | [1](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [21](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [10 of 14](https://www.bankingnewsai.com/banks/banc-of-california#where) | [15](https://www.bankingnewsai.com/banks/banc-of-california#timeline) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) |
| [FirstSun Capital Bancorp (this page)](https://www.bankingnewsai.com/banks/firstsun) | [2.1](https://www.bankingnewsai.com/banks/ai-index) | #113 of 120 | [5](https://www.bankingnewsai.com/banks/firstsun#sources) | [14](https://www.bankingnewsai.com/banks/firstsun#sources) | [1 of 5](https://www.bankingnewsai.com/banks/firstsun#where) | [14](https://www.bankingnewsai.com/banks/firstsun#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 |
| [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 |

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

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

| Component (weight) | FirstSun | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 5.5 | [Western Alliance (13)](https://www.bankingnewsai.com/banks/western-alliance) | 5th of 9 |
| Use cases in production (10%) | 1 | 8 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 9th of 9 |
| Own primary disclosures (10%) | 14 | 17.5 | [Banc of California (21)](https://www.bankingnewsai.com/banks/banc-of-california) | 7th of 9 |
| Dated moves, last 12 months (10%) | 14 | 15.5 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 7th of 9 |
| Disclosed numbers (5%) | 10 | 12 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 9th of 9 |
| Named AI leaders (5%) | 6 | 7.5 | [Western Alliance (12)](https://www.bankingnewsai.com/banks/western-alliance) | 5th of 9 |
| Use cases described (5%) | 5 | 10.5 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 9th of 9 |

## What has each bank in FirstSun'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 |
| --- | --- | --- | --- | --- | --- |
| [FirstSun Capital Bancorp](https://www.bankingnewsai.com/banks/firstsun) | Not disclosed | [6, incl. Neal Arnold (CEO and President)](https://www.bankingnewsai.com/banks/firstsun#people) ([American Banker](https://www.americanbanker.com/news/firstsuns-boosts-outlook-on-impact-of-first-foundation-deal), [StockStory via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/q2-rundown-firstsun-capital-bancorp-163010669.html)) | AI passages in the 10-K: 6 in the 2025 report; 2 in the 2024 report (Mar 6, 2026) ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944225000008/fcb-20241231.htm)) | 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 |
| [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) |
| [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 |
| [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 |
| [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 |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) | [5, incl. Jared Wolff (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/banc-of-california#people) ([American Banker](https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf)) | Developers using AI in daily workflows: More than 80% (Apr 23, 2026) ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/banc-of-california#roles) |
| [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) |

## What are the latest dated moves on the AI record of FirstSun 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 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 21, 2026 | [FirstSun](https://www.bankingnewsai.com/banks/firstsun) | First Foundation customers move to Sunflower systems ([Sunflower Bank](https://sunflowerbank.com/merger-updates)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| 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 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 10, 2026 | [FirstSun](https://www.bankingnewsai.com/banks/firstsun) | Q2 10-Q: risk factors unchanged ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000046/fcb-20260630.htm)) |
| Aug 7, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 10-Q lists AI among competing technologies ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm)) |
| 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 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)) |
| Jul 29, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 call: APIs added, no AI remarks ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/)) |

## What AI have FirstSun's peers put into use?

The AI work each bank in the group has described in filings, calls or announcements, with the scale disclosed. A blank means nothing is disclosed, not that nothing exists.

| Bank | What it has | Since | Scale disclosed |
| --- | --- | --- | --- |
| FirstSun | None disclosed; nCino loan-origination platform with a Sandbox Banking integration (no AI feature named) | February 2025 (integration) | Not disclosed ([nCino](https://ncino.com/en-US/news/ncino-acquires-sandbox-banking), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm)) |
| Western Alliance | Enterprise AI program; AI-driven fraud scoring in Digital Disbursements; Microsoft Copilot | 2024 (fraud); May 2026 investor day | 15 use cases (September 2026); 150,000+ hours saved; 723 million+ fraudulent claims prevented in 2024 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf)) |
| First Interstate | Fiserv agentOS commercial-loan onboarding agent, built with Fiserv and OpenAI on Amazon Bedrock | May 2026 | One of 6 co-developing banks; one of 2 pilot institutions at launch ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [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)) |
| Banc of California | Enterprise AI tools and a Copilot assistant; AI in BSA review support and customer service | Q1 2026 call | Nearly universal employee access; more than 80% of developers use AI daily ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| BOK Financial | Vanilla AI for trust-document review in Advisor Trust Services | August 2026 case study | About four hours saved per initial trust review (vendor-reported) ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Banner | Banner Virtual Assistant and Glia AI agents in the client engagement center | 2025 | Available 24 hours a day, 7 days a week ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Glia](https://www.glia.com/news/glia-announces-2025-catalyst-awards-winners-celebrating-ai-driven-breakthroughs-in-community-banking)) |
| National Bank Holdings | 2UniFi digital platform for small businesses (no AI feature disclosed) | 2024 | Weekly applications up from about 40 to nearly 400 (April 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-beats-q1-2026-eps-forecasts-93CH-4630113)) |

## How does FirstSun's AI governance compare with its peers'?

What each bank's latest annual report or proxy says about AI risk and who oversees it. Disclosure language, not a measure of capability.

| Bank | What the filing says | Oversight named | Filing |
| --- | --- | --- | --- |
| FirstSun | Six AI passages, up from two: competitors' rapid AI adoption could pressure pricing, automation and client satisfaction; generative AI in social-engineering fraud; AI robo-advice competing in wealth management | The CISO reports to the Chief Risk Officer; no AI owner named | 2025 10-K, March 6, 2026 ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944225000008/fcb-20241231.htm)) |
| BOK Financial | The board gets periodic updates on AI governance but does not approve individual capabilities; each initiative is reviewed for data quality, bias, compliance and ethics | Chief data and analytics officer leads data and AI strategy | 2025 10-K, February 18, 2026 ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota)) |
| UMB | AI named seven times, up from one; emerging technology such as AI overseen by the TOPS committee | Board Risk Committee oversees emerging-technology risk including AI | 2025 10-K; 2026 proxy ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm)) |
| First Interstate | A stand-alone AI risk factor: the bank may offer AI products, investment may need significant resources, flawed or biased AI could bring liability | Board Technology, Innovation and Operations Committee | 2025 10-K, February 26, 2026 ([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)) |
| Banner | Model risk, biased data, explainability and over-reliance on AI; generative and agentic AI named as competitive threats | A board-approved generative-AI policy; a Fintech Council vets uses | 2025 10-K; 2026 proxy ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm)) |
| National Bank Holdings | AI as a technology, information-security and fraud risk | Audit & Risk Committee updated quarterly on AI; an Emerging Technologies Sub-Committee | 2025 10-K; 2026 proxy ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm)) |
| Glacier | AI 'could significantly disrupt our business model'; AI-enabled attacks and state AI laws | No AI committee or officer named | 2025 10-K; 2026 proxy ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000030/gbci-20260312.htm)) |

## How does FirstSun's technology spending compare with its peers'?

Technology or data-processing expense and integration milestones each bank discloses. None of these banks publishes an AI budget.

| Bank | Technology expense disclosed | Integration or platform milestone | Period |
| --- | --- | --- | --- |
| FirstSun | Data processing $18.4 million in 2025 ($19.4 million in 2024); higher data processing costs after the merger in Q2 2026 | First Foundation core conversion completed September 18 to 20, 2026 | 2025; 2026 ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000046/fcb-20260630.htm), [Sunflower Bank](https://sunflowerbank.com/merger-updates)) |
| Western Alliance | About $250 million of technology investment over 2024-2026; tech spend 10% of revenue and 17% of opex | Five AI use cases to be costed into 2027 plans | May and September 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Banc of California | IT and data processing $55.5 million in 2025 ($60.4 million in 2024) | AI efficiency tied to 3% to 3.5% expense growth guidance | 2025; April 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| Banner | Information and computer data services $33.1 million in 2025, up 13%; $10.3 million in Q2 2026, up 26% | New loan and deposit origination system | 2025; Q2 2026 ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm)) |
| National Bank Holdings | 2UniFi expense $22 million in 2025; a $4.0 million impairment on a fintech partnership investment expected in Q3 2026 | Vista systems integration scheduled for Q3 2026 | 2025; 2026 ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926112856/nbhc-20260928x8k.htm), [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)) |
| UMB | Not broken out | Heartland conversion completed October 2025; 192 branches and 347 ATMs | October 2025 ([Business Wire via Yahoo Finance](https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html)) |

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

FirstSun Capital Bancorp is compared here with National Bank Holdings Corporation, BOK Financial Corporation, UMB Financial, Glacier Bancorp, First Interstate BancSystem, Western Alliance Bancorporation, Banc of California and Banner Corporation: chosen by the editors for this page (see the note below the table). FirstSun Capital Bancorp is classed as a regional or retail-commercial bank in the West.

The computed group mixed in Hawaii banks and Korean- and Chinese-American banks from Los Angeles; this group holds regional banks whose footprints overlap the Colorado, Texas, Kansas, New Mexico, Arizona, California and Washington markets of Sunflower Bank and the California franchise it took over from First Foundation in April 2026.

## Common questions

### Does FirstSun or Sunflower Bank use AI?

Not on the public record. FirstSun has named no AI tool, vendor, use case or budget as of October 2026, and its April and July 2026 earnings calls did not discuss AI. Its 2025 10-K treats AI as a risk: competitors' adoption, AI-assisted fraud and AI robo-advice in wealth management. Sunflower's CIO has described an nCino loan-platform integration that cuts manual data entry. ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/28/firstsun-fsun-q1-2026-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-firstsun-capital-bancorp-q2-2026-loss-stock-jumps-10-93CH-4817682), [nCino](https://ncino.com/en-US/news/ncino-acquires-sandbox-banking))

### Is FirstSun behind Western Alliance on AI?

On the record, yes: Western Alliance scores 71.8 on this site's disclosure index against FirstSun's 2.1. Western Alliance's CEO named 15 AI use cases in September 2026, it estimates more than 150,000 employee hours saved through Copilot, and its AI fraud scoring helped prevent more than 723 million fraudulent claims in 2024. FirstSun discloses no AI use. ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm))

### How does FirstSun compare with BOK Financial on technology?

Neither has disclosed much. BOK scores 41.8 on this site's index against FirstSun's 2.1, mostly on governance and vendor material: its 10-K describes board updates on AI governance and an internal review of each AI initiative, and Vanilla says BOK's trust team saves about four hours per trust review with its AI. FirstSun's 10-K names AI only as a risk. ([BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm))

### Does Sunflower Bank have a virtual assistant like Banner's?

No customer AI assistant is disclosed. Banner runs the Banner Virtual Assistant by phone and secure chat around the clock, and Glia credits its AI agents with extending service hours without adding agents. Sunflower's September 2026 conversion notices told First Foundation customers to download the Sunflower mobile app, without mention of an assistant. ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Glia](https://www.glia.com/news/glia-announces-2025-catalyst-awards-winners-celebrating-ai-driven-breakthroughs-in-community-banking), [Sunflower Bank](https://sunflowerbank.com/merger-updates))

### Why has FirstSun said little about AI?

Its 2026 technology work has been merger integration. Management said in April 2026 that the third-quarter emphasis was completing the main application system conversions, and in July that teams were fully engaged on the conversion and the First Foundation cleanup. The core conversion ran on September 18 to 20, 2026, with a wealth-business conversion planned for the fourth quarter. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/28/firstsun-fsun-q1-2026-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-firstsun-capital-bancorp-q2-2026-loss-stock-jumps-10-93CH-4817682), [Sunflower Bank](https://sunflowerbank.com/merger-updates))

### How does FirstSun's technology spending compare with its peers?

FirstSun reports technology mainly as data processing expense, $18.4 million in 2025. Banner reported $33.1 million of information and data services expense in 2025, Banc of California $55.5 million of IT and data processing, and Western Alliance about $250 million of technology investment over 2024 to 2026, 10% of revenue. None discloses an AI budget. ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm))

### Is FirstSun ahead of Glacier or National Bank Holdings on AI?

Not meaningfully; the three are level on this site's disclosure index: FirstSun 2.1, Glacier 2 and National Bank Holdings 2. None of the three has disclosed an AI program. Glacier's 10-K says AI could significantly disrupt its business model, and NBH's proxy says its Audit & Risk Committee is updated quarterly on AI; FirstSun's 10-K warns about competitors' AI adoption. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm))

## Peers on this site

- [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)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [Banc of California AI strategy](https://www.bankingnewsai.com/banks/banc-of-california) · [vs peers](https://www.bankingnewsai.com/banks/banc-of-california/vs-peers)
- [Banner Corporation AI strategy](https://www.bankingnewsai.com/banks/banner) · [vs peers](https://www.bankingnewsai.com/banks/banner/vs-peers)

## Sources

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90. National Bank Holdings Corporation Form 10-K for the fiscal year ended December 31, 2025 — National Bank Holdings Corporation (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm
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