How does F.N.B. Corporation compare with its peers on AI and technology?
On this site's AI disclosure index F.N.B. Corporation scores 60.2 (#47 of 120 US banks), fifth in a ten-bank group of its proxy peers and footprint rivals, behind Valley (76.6), SouthState (70.9), First Horizon (68.7) and Pinnacle (65.3) and ahead of Atlantic Union (53.7), Fulton (44.3), WesBanco (26.9), First Commonwealth (25.9) and United Bankshares (2). It leads the group on its own primary disclosures (25, against a median of 17) and is second on disclosed numbers, and those numbers are about revenue: an Opportunity IQ lead engine that has mined more than 270 million transactions and produces about 190,000 leads a quarter (November 2025), 10 AI-enabled fraud tools, and machine-learning deposit pricing that helped cut its total cost of deposits by 21 basis points year on year (July 2026). What sets FNB apart is that it builds: eStore and the Common app, which takes applications for more than 50 products, are proprietary, and critical data sits in an on-premises data hub, while Valley has moved more than 80% of its data-centre capacity to the cloud. Where it trails is staff AI and independent coverage. SouthState counts 2,500-plus premium Copilot users and 12,000-plus prompts a day (June 2026); Fulton put Salesforce Agentforce in the hands of 3,000 employees in six weeks; Pinnacle's ChatPFP has answered 18,000 banker questions. FNB names no staff AI tool or AI vendor, says AI training for all employees is still being developed (March 2026), and has 6 independent sources on its record against a group median of 10. Against PNC, which holds 50.62% of Pittsburgh deposits to FNB's 5.46% (June 2025), the gap is scale: PNC spends about $3.5 billion a year on technology, while FNB does not disclose its technology spend.[1][2][3][4][5][6][7][8][9][10][11]
Data as of Oct 19, 2026 · FNB profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does FNB lead its peers on AI?
01
The most primary disclosure in the group
FNB scores 25 on its own primary disclosures, first in its ten-bank group (median 17): an investor day that put AI on the slides in November 2025, a 2025 10-K risk factor on its heavy reliance on models, AI and generative AI, a 2026 proxy section on AI governance, and AI remarks on each of the last four earnings calls.[1][12][9][13][14][15][2]
02
Revenue numbers where peers report productivity
FNB's disclosed AI numbers are about selling and funding: about 190,000 Opportunity IQ leads a quarter, leads 6x more likely to become an opportunity after model upgrades, and machine-learning deposit pricing credited with a 21 basis-point year-on-year cut in deposit costs. Valley's headline is cost: about $15 million of run-rate AI savings against $3 million to $4 million of new AI expense (July 2026).[1][2][16]
03
A proprietary storefront that analysts single out
eStore, launched under the 2016 Clicks-to-Bricks strategy, and the Common app, which by March 2026 took applications for more than 50 consumer and business products at once, were built in-house. A Truist Securities analyst told American Banker in September 2025 that FNB 'really stands out amongst the banks of its size' on technology.[3][4][17]
04
AI governance written into the proxy
FNB's 2026 proxy places AI governance with the Board Risk Committee, names an Artificial Intelligence Policy and a Model Risk Management Policy, and describes a Data and AI Governance Committee. United Bankshares' 10-K went from one AI passage in its 2024 report to four in its 2025 report, and First Commonwealth's 10-Qs for Q3 2025, Q1 2026 and Q2 2026 do not mention AI.[9][18][19][20][21][22]
Where does FNB trail its peers on AI?
01
No staff-wide AI tool while SouthState, Pinnacle and Fulton report usage
SouthState reported 2,500-plus premium and 2,200-plus active basic Copilot users and 12,000-plus prompts a day at June 30, 2026; Pinnacle's ChatPFP had answered 18,000 banker questions and saved over 3,000 hours by April 2026; Fulton had 3,000 employees on Agentforce six weeks after its first agent. FNB's proxy says AI training for all employees is being developed.[6][8][7][9]
02
Fewer independent sources than most of the group
FNB has 6 independent sources on its record, sixth in the group against a median of 10; First Horizon has 17, SouthState and Pinnacle 12 and Valley 11. Most of FNB's AI detail comes from its own investor day, filings and calls, and it declined to tell Banking Dive how much it has invested in its digital strategy.[1][12][4]
03
No named AI vendor while peers name theirs
SouthState approved Microsoft Copilot and ChatGPT after its own model tests, First Horizon runs its Enterprise Data Hub on Databricks, and Fulton runs NICE CXone and Salesforce Agentforce. FNB names no AI-model vendor; its 10-K says only that it 'may rely on AI models developed by third parties'.[23][24][25][7][12]
04
Its customer insight tool is still to launch
Insight 360, the AI-enabled customer aggregation and recommendation tool, was due to go live by the end of 2026 when FNB last updated it in July 2026. Huntington's Heads Up personalised insights reached 14 million a month by March 2025, and Truist Insights had passed 2 billion proactive insights since 2023.[26][27][28]
Where does FNB 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 |
|---|---|---|---|---|---|---|---|
| Valley National Bancorp | 76.6 | #26 of 120 | 11 | 22 | 13 of 17 | 22 | Cloud-first infrastructure, Valley's AI Assistant and tiered access[29][5][30][31] |
| SouthState Bank | 70.9 | #33 of 120 | 12 | 16 | 10 of 20 | 20 | Copilot at scale, tested models, and Fiserv agentOS agents[32][23][33] |
| First Horizon | 68.7 | #36 of 120 | 17 | 13 | 7 of 16 | 22 | ChatFHN and the Enterprise Data Hub[34][35] |
| Pinnacle Financial Partners | 65.3 | #42 of 120 | 12 | 17 | 9 of 12 | 21 | A head of AI inside a banker-led model[36][37][38][8][39] |
| F.N.B. Corporation (this page) | 60.2 | #47 of 120 | 6 | 25 | 9 of 15 | 21 | eStore, the Common app and FNB's data hub[4][40][3] |
| Atlantic Union Bankshares | 53.7 | #52 of 120 | 10 | 14 | 5 of 12 | 19 | Automated conversion and validation tooling (Sandy Spring integration)[41][42][43] |
| Fulton Financial Corporation | 44.3 | #66 of 120 | 6 | 23 | 10 of 12 | 17 | Not disclosed |
| WesBanco | 26.9 | #92 of 120 | 2 | 23 | 9 of 12 | 17 | Not disclosed |
| First Commonwealth Financial Corporation | 25.9 | #94 of 120 | 6 | 14 | 7 of 8 | 10 | Not disclosed |
| United Bankshares | 2 | #116 of 120 | 3 | 25 | 5 of 8 | 13 | Not disclosed |
On which parts of the AI record is FNB ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of FNB and the 9 peers that are scored on the same basis. "Place" is FNB's position in the group of 10 (1st = most).
| Component (weight) | FNB | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 6 | 10 | First Horizon (17) | 6th of 10 |
| Use cases in production (10%) | 9 | 9 | Valley (13) | 4th of 10 |
| Own primary disclosures (10%) | 25 | 17 | FNB (25) | 1st of 10 |
| Dated moves, last 12 months (10%) | 21 | 19 | First Horizon (22) | 3rd of 10 |
| Disclosed numbers (5%) | 20 | 14 | FNB (20) | 1st of 10 |
| Named AI leaders (5%) | 9 | 8 | Valley (14) | 5th of 10 |
| Use cases described (5%) | 15 | 12 | SouthState (20) | 4th of 10 |
What has each bank in FNB'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 |
|---|---|---|---|---|---|
| F.N.B. Corporation | eStore, the Common app and FNB's data hub[4][40][3] | 9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)[4][40] | AI-enabled fraud tools: 10 (Nov 5, 2025)[1] | Not disclosed | 5 open AI roles (Oct 1, 2026); most in AI product & strategy |
| Fulton Financial Corporation | Not disclosed | 8, incl. Curt Myers (Chairman, CEO and President)[44][45] | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024)[46] | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods)[47] | Not surveyed |
| First Horizon | ChatFHN and the Enterprise Data Hub[34][35] | 13, incl. Bryan Jordan (Chairman, President and CEO)[48] | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026)[49] | Not disclosed | Not surveyed |
| SouthState Bank | Copilot at scale, tested models, and Fiserv agentOS agents[32][23][33] | 10, incl. John Corbett (Chief Executive Officer)[50] | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026)[6] | None found (the profile's patent search)[51] | 1 open AI roles (Sep 24, 2026); most in AI engineering |
| Pinnacle Financial Partners | A head of AI inside a banker-led model[36][37][38][8][39] | 12, incl. Kevin Blair (President and CEO)[37][52][8][39] | AI engineers employed: almost 20 (Jul 23, 2026)[39] | Not disclosed | Not surveyed |
| Atlantic Union Bankshares | Automated conversion and validation tooling (Sandy Spring integration)[41][42][43] | 8, incl. John Asbury (President and CEO)[53][54][55] | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026)[41] | Not disclosed | 0 open AI roles (Sep 24, 2026) |
| WesBanco | Not disclosed | 5, incl. Jeff Jackson (President and CEO)[56][57] | Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026)[58] | Not disclosed | Not surveyed |
| United Bankshares | Not disclosed | 6, incl. Richard M. Adams Jr. (Chief Executive Officer)[59][60] | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026)[18][19] | Not disclosed | Not surveyed |
| First Commonwealth Financial Corporation | Not disclosed | 6, incl. Mike Price (President and Chief Executive Officer)[61] | Full-time employees: 1,522 full-time and 55 part-time (Dec 31, 2025)[62] | Not disclosed | Not surveyed |
| Valley National Bancorp | Cloud-first infrastructure, Valley's AI Assistant and tiered access[29][5][30][31] | 14, incl. Ira Robbins (Chairman and CEO)[63] | Vendor contracts being replaced by AI: 3 (Jul 10, 2026)[29] | Not disclosed | Not surveyed |
What are the latest dated moves on the AI record of FNB 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 8, 2026 | United Bank | Florida expansion announced[64] |
| Oct 2, 2026 | SouthState | Q3 2026 results scheduled[65] |
| Oct 1, 2026 | Pinnacle | Chief digital officer: 200,000-plus customers move to a new app in March 2027[66] |
| Oct 1, 2026 | SouthState | Edmonds profiled for tokenized-deposit and instant-payments work[67] |
| Oct 1, 2026 | First Horizon | The 2025 contest's winning entry: an automated CRE documentation platform[68] |
| Oct 1, 2026 | First Horizon | AI file-organisation tool saves hundreds of hours in three months[69] |
| Sep 30, 2026 | Fulton | Contact-centre manager describes Fulton's AI journey with NICE[70] |
| Sep 29, 2026 | Valley | Robbins on CNBC: AI agents not a threat to regional banks[71] |
| Sep 28, 2026 | Valley | Bluevine acquired for $340 million to accelerate the AI roadmap[72][73][74] |
| Sep 24, 2026 | Fulton | Salesforce cites Fulton's Agentforce rollout at Dreamforce[7] |
| Sep 23, 2026 | United Bank | Charleston operations centre opens[75] |
| Aug 27, 2026 | WesBanco | Q3 2026 investor presentation repeats the AI initiatives[58] |
| Aug 17, 2026 | FNB | 16th for customer reputation[76] |
| Aug 10, 2026 | First Commonwealth | Q2 2026 10-Q: no AI language[21][22] |
| Aug 6, 2026 | Atlantic Union | Second-quarter 10-Q repeats the AI risk language[77] |
| Aug 5, 2026 | FNB | Q2 2026 10-Q: same AI language as the first quarter[78] |
| Aug 4, 2026 | Pinnacle | Q2 10-Q: AI initiatives listed as an execution risk[79] |
| Jul 30, 2026 | WesBanco | Q2 2026 10-Q has no AI language[80] |
| Jul 29, 2026 | First Commonwealth | Q2 2026 call: call-centre AI example[61][81] |
| Jul 21, 2026 | Atlantic Union | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches[82] |
How does FNB's AI compare with PNC, Citizens, Huntington and KeyBank?
The four larger banks that lead deposits in FNB's legacy markets. What each has disclosed about its AI, beside its Pittsburgh deposit share from the FDIC (June 30, 2025).
| Bank | AI or digital platform disclosed | Scale disclosed | Pittsburgh deposit share (offices) |
|---|---|---|---|
| FNB | eStore and the Common app (proprietary); on-premises data hub; Opportunity IQ leads; Insight 360 due by end-2026 | About 190,000 leads a quarter; more than 50 products in one application; technology spend not disclosed | 5.46% (81), 4th[3][4][1][26][10] |
| PNC | Own data centres, Nvidia chips and its own language models; about 115 AI agents built its new mobile app | About $3.5 billion a year of technology spend; about 8 million mobile app users | 50.62% (91), 1st[83][11][10] |
| Citizens | CiZi assistant in the mobile app; 700 applications migrated to the cloud in four years | CiZi cut mobile-banking call volume by 44% | 4.61% (67), 5th[84][10] |
| Huntington | Agentic process transformation run from finance; Heads Up personalised insights | 50 AI agents in production and 60-plus in development (April 2026); 14 million insights a month | 2.26% (42), 7th[85][27][10] |
| KeyBank | Conversational AI in the contact centre | An AI-handled call costs about $0.25 against about $9 for a human-handled one; about $1 billion a year on technology and operations | 2.07% (40), 8th[86][10] |
How does FNB's internal use of AI compare with its peers?
Employee-facing AI each bank has described, with the scale it disclosed.
| Bank | What it has | Scale disclosed | Date |
|---|---|---|---|
| FNB | AI Innovation Team prioritising use cases; AI used to track 'thousands of metrics'; AI training for all employees being developed | No usage figure disclosed | October 2025; March 2026[13][1][9] |
| SouthState | Microsoft Copilot and ChatGPT after its own model tests; a GenAI Knowledge Assistant | 2,500+ premium Copilot users; 12,000+ prompts a day; 1,100+ assistant answers a day | June 30, 2026[6][23] |
| Pinnacle | ChatPFP internal assistant; a head of AI and almost 20 AI engineers | 18,000 banker questions answered; over 3,000 hours saved | April and July 2026[8][39][36] |
| First Horizon | ChatFHN, in production since early 2025, for drafting, policy questions and RFP comparison | About 15 months in production | June 2026[34] |
| Fulton | Salesforce Agentforce agents; NICE CXone Copilot and call summaries in the contact centre | 3,000 employees on Agentforce six weeks after the first agent; 3 to 5 minutes saved per call | November 2024; September 2026[7][46] |
| Valley | Valley's AI Assistant with tiered access | About 80 of roughly 3,600 employees with open access | July 2026[29] |
| First Commonwealth | A call-centre AI feature among what the CEO calls 'probably a dozen or more' AI uses | No usage figure disclosed | July 2026[61] |
How does FNB's data and technology stack compare with its peers'?
The data foundation each bank has described for its AI, and whether it builds or buys.
| Bank | Data foundation | Build or buy | Date |
|---|---|---|---|
| FNB | Critical data fields kept on premises in a self-built data hub; management says it gave FNB a head start on AI | Built: eStore, Common app, Opportunity IQ, Insight 360 | April 2026[4][1] |
| Valley | More than 80% of data-centre capacity moved to a cloud hub after a core conversion | Build and buy; replacing three vendor contracts with AI-built workflows | June and July 2026[5][29] |
| First Horizon | Enterprise Data Hub on Databricks with more than 35 data sources onboarded; a data marketplace targeting 100+ data products | Building its own customer-facing digital banking platform | June and September 2026[34][35][24] |
| SouthState | Vendor platforms: Microsoft and OpenAI tools; co-developing agents on Fiserv agentOS | Buy, after its own model tests | January 2025; May 2026[23][33] |
| Atlantic Union | Code-based validation of more than 80 million data values in the Sandy Spring conversion; AI call screening planned to cover 100% of calls, against about 10% reviewed manually | Built by a ten-person CIO team | June 2026[41] |
| WesBanco | About 80% of retail customers on digital channels; 7.7 million logins a month | Equipment and software expense $62.6 million in 2025, up 51.6% | December 2025; June 2026[58][87] |
Which banks are FNB's peers, and why these?
F.N.B. Corporation is compared here with Fulton Financial Corporation, First Horizon, SouthState Bank, Pinnacle Financial Partners, Atlantic Union Bankshares, WesBanco, United Bankshares, First Commonwealth Financial Corporation and Valley National Bancorp: chosen by the editors for this page (see the note below the table). F.N.B. Corporation is classed as a regional or retail-commercial bank in the Northeast.
The computed group mixed in Texas, Oklahoma and Florida banks that do not meet FNB anywhere; this group keeps five banks from FNB's own 2026 proxy compensation peer group (Fulton, First Horizon, SouthState, Pinnacle and Valley, the first four with branches in its Pennsylvania, Maryland or Carolinas markets) and adds the footprint rivals Atlantic Union, WesBanco, United Bankshares and First Commonwealth, while PNC, Citizens, Huntington and KeyBank, which lead deposits in Pittsburgh and Cleveland, are compared in a separate table below.
Is FNB better than PNC at AI?
The record cannot settle capability, and the two differ by scale. PNC spends about $3.5 billion a year on technology, is building its own language models and used about 115 AI agents to build its new mobile app. FNB does not disclose technology spend; its CEO argues AI lets smaller banks build tools that larger banks miss.[11][83][4]
How does FNB compare with Fulton on AI?
FNB scores 60.2 on this site's disclosure index and Fulton 44.3. Fulton's AI is vendor AI: NICE CXone in the contact centre and Salesforce Agentforce used by 3,000 employees. FNB's is built in-house: eStore, the Common app, Opportunity IQ leads and machine-learning deposit pricing on its own data hub.[25][7][3][1][2]
Does FNB have an AI chatbot like Citizens' CiZi?
No customer AI assistant is in production on FNB's record; an AI-driven customer support portal is on its investor-day roadmap, and Insight 360 is due by the end of 2026. Citizens says CiZi cut mobile-banking call volume by 44%, and Bank of America's Erica has helped more than 24.6 million clients.[1][26][84][88]
How does FNB's technology spending compare?
FNB does not disclose it. Its 2025 non-interest expense was about $1 billion, partly from technology costs, and 2026 expense was guided to the top of $1.00 billion to $1.02 billion on accelerated AI investment. KeyBank puts technology and operations at about $1 billion a year; PNC spends about $3.5 billion.[4][89][86][11]
Who leads AI at FNB compared with its peers?
Santosh Sinha, director of AI and innovation, and Sundeep Tangirala, director of data science and formerly at PNC, joined in September 2025 under chief strategy officer Chris Chan. Valley's AI and data science head is Nickolaus Lachman, Pinnacle's head of AI is Kevin Johnson, and Huntington's program is run by CFO Zach Wasserman.[40][30][36][85]
How does FNB compare with First Horizon and SouthState?
Both score higher on this site's disclosure index (68.7 and 70.9 against FNB's 60.2), mainly on independent coverage. SouthState reports 12,000-plus AI prompts a day and about 90% of credit spreads done by AI; First Horizon has run ChatFHN since early 2025. FNB leads both on its own primary disclosures.[6][34][1][9]
Why does FNB keep its data on premises when peers move to the cloud?
CEO Vincent Delie says keeping critical data fields on premises, where the bank's own tools can consume them, gave FNB a head start on AI and data science. Valley has gone the other way, moving more than 80% of its data-centre capacity to a cloud hub, and Citizens migrated 700 applications to the cloud.[4][5][84]
- F.N.B. Corporation Investor Day presentation (Form 8-K, Exhibit 99.1)
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- F.N.B. Corporation 2026 Proxy Statement (Schedule 14A)
- Summary of Deposits, Deposit Market Share Report: Pittsburgh, PA MSA, June 30, 2025 (retrieved 2026-10-19)
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- F.N.B. Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- FNB (FNB) Q3 2025 Earnings Call Transcript
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- Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026
- F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
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- First Commonwealth Financial Corporation Q2 2026 Earnings Call Summary
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- WesBanco, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Bank of America Fast Facts (undated page, retrieved 2026-10-19)
- F.N.B. Corporation Q1 2026 Earnings Call Summary
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