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First National Bank of Omaha (FNBO) vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 93 sources cited

How does First National Bank of Omaha (FNBO) compare with its peers on AI and technology?

On this site's AI disclosure index FNBO scores 53.2 (#53 of 120 US banks), fourth in a nine-bank group of co-brand card issuers and Midwest banks, behind Synchrony (68.8), Associated (56.8) and Barclays US (55.5) and just ahead of Bread Financial (50.5), UMB (47.9), BOK Financial (41.8), Commerce (34) and Central Bancompany (24.7). What sets it apart is AI agents in production for a regional bank of its size. Nasdaq Verafin agents for enhanced due diligence and sanctions screening cut investigator time per financial-crime case by 50% (June 2026), and Pindrop reports that its Fraud Assist agent cut FNBO's fraud-case time by 35% to 40% (March 2026, vendor figures). It was also early to AI lending, piloting Upstart's software from July 2019. Where it trails is disclosure: as a private bank it scores 11 on its own primary disclosures, 7th of 9, and its card rivals publish more. Synchrony says nearly 100% of its professional workforce has used AI tools since 2024 and named a chief AI officer in 2026; Barclays US summarized more than 8 million calls with generative AI in four months; Bread reviews 100% of customer calls with AI against 2% to 3% before. FNBO's chairman wrote in March 2026 that AI is now something the bank does routinely.[1][2][3][4][5][6][7]

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

Where it leads

Where does FNBO lead its peers on AI?

01

AI agents in financial-crime work, with a measured result

FNBO's Nasdaq Verafin agents for enhanced due diligence and sanctions triage cut investigator time per case by 50%; an EDD case that took half an hour now takes about 15 minutes (June 2026). Among its Midwest peers, Associated reports 30 AI use cases in process and BOK Financial made no AI remark on four straight earnings calls to Q2 2026.[1][8][9]

02

A second agent in card-fraud investigations

Pindrop reports that its Fraud Assist agent, which translates and summarizes calls and drafts case documentation, cut FNBO's fraud-case time by 35% to 40% and raised analyst accuracy by 50% (March 2026, vendor-reported). Bread Financial reported $65 million of fraud-related operational losses in each of 2025 and 2024.[2][10]

03

Earlier into AI lending than its bank peers

FNBO piloted Upstart's AI-based lending software from July 2019 and briefed the OCC on it, then expanded it nationwide in December 2021 with 78% of loans approved instantly. Synchrony's chief AI officer took office only on June 30, 2026.[3][11][4]

04

More disclosed numbers than most of the group

FNBO scores 16 on disclosed numbers, third of nine behind Barclays US (17): investigator time, Pindrop results, Upstart approval rates and its card charge-off rate, which fell to 4.92% in 2025 from 5.52%. Commerce's disclosed numbers are digital-adoption figures rather than AI results.[1][2][11][7][12]

Where it trails

Where does FNBO trail its peers on AI?

01

Less employee AI on the record than Synchrony

FNBO discloses no enterprise generative-AI tool for staff; its generative-AI strategy is led by a vice president of technology data services. Synchrony says nearly 100% of its professional workforce has used AI tools since 2024 and that it is deploying OpenAI models across the enterprise (August 2026).[13][4][14]

02

Fewer primary disclosures, as a private bank

FNBO scores 11 on its own primary disclosures, 7th of 9 against a median of 14.5; it files no 10-K and its annual stockholder letter mentions AI once. Commerce leads the group with 21, including an AI roadmap in its annual report.[7][15]

03

No contact-center generative AI at Barclays' scale

Barclays US summarized more than 8 million calls with generative AI from October 2025 to February 2026, and Bread Financial reviews 100% of customer calls with AI against a 2% to 3% sample before. FNBO's disclosed call AI is Pindrop's fraud-case agent.[5][6][2]

04

No chief AI officer, unlike Synchrony

FNBO's AI work is spread across risk, financial crime and technology data services, with no single AI executive named. Synchrony named a chief AI officer from Citi effective June 30, 2026, and Associated names a chief data officer.[13][1][4][16]

AI index

Where does FNBO rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Synchrony Financial68.8#35 of 120121510 of 1520Synchrony GPT and the ChatGPT Enterprise rollout[4][14][17]
Associated Banc-Corp56.8#49 of 12011194 of 1117Line-of-business AI under a chief data officer / CIO[18][19][16][20]
Barclays US Consumer Bank55.5#51 of 12010118 of 1216GenAI call summarisation under Barclays' group AI programme[5][21][22]
First National Bank of Omaha (FNBO) (this page)53.2#53 of 12010118 of 1214Nasdaq Verafin AI agents for financial-crime investigation[1][23][24]
Bread Financial Holdings50.5#57 of 120101210 of 1212In-house agentic AI platform and AI knowledge-management tool[25][10]
UMB Financial47.9#61 of 1207149 of 1016Integration first: the Heartland systems conversion[26][27][28]
BOK Financial Corporation41.8#69 of 1209184 of 620Not disclosed
Commerce Bancshares34#84 of 1203216 of 1015Enterprise data strategy with an AI pillar; receivables automation for commercial clients[15][29][30][31]
Central Bancompany24.7#95 of 1202118 of 1113In-house technology division and core modernisation programme[32][33][34][35][36]
Component by component

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

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

Component (weight)FNBOPeer medianMost in the groupPlace
Independent sources (45%)109.5Synchrony (12)3rd of 9
Use cases in production (10%)88Bread Financial (10)4th of 9
Own primary disclosures (10%)1114.5Commerce (21)7th of 9
Dated moves, last 12 months (10%)1416Synchrony (20)7th of 9
Disclosed numbers (5%)1613.5Barclays US (17)3rd of 9
Named AI leaders (5%)1110Barclays US (13)3rd of 9
Use cases described (5%)1211Synchrony (15)2nd of 9
Head to head

What has each bank in FNBO's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
First National Bank of Omaha (FNBO)Nasdaq Verafin AI agents for financial-crime investigation[1][23][24]11, incl. Clark Lauritzen (Chairman and President)[37][38]Americans who have used AI for personal finances: 46% (a further 50% trust AI for financial advice) (Sep 23, 2025)[39]1 patent listed on the profile, e.g. US 2014/0304170 A1 (Remote credit issuance system, filed by First National of Nebraska, Inc.)[40]2 open AI roles (Sep 24, 2026); most in responsible AI & governance
Bread Financial HoldingsIn-house agentic AI platform and AI knowledge-management tool[25][10]4, incl. Ralph Andretta (President and Chief Executive Officer)[41]Customer calls reviewed with AI: 100% of calls, versus a sample of 2% to 3% before (Sep 9, 2025)[6]1 patent listed on the profile, e.g. US 2024/0403876 A1 (Sub-merchant identification number ingestion)[42]Not surveyed
Barclays US Consumer BankGenAI call summarisation under Barclays' group AI programme[5][21][22]13, incl. Denny Nealon (CEO, Barclays US Consumer Bank)[21][43]Calls summarised by GenAI since October 2025: > 8 million (Feb 5, 2026)[5]3 patents listed on the profile, e.g. US 2025/0284815 A1 (Managing changes to a computing environment: machine learning on change-request text)[44]2 open AI roles (Oct 1, 2026); most in AI product & strategy
Synchrony FinancialSynchrony GPT and the ChatGPT Enterprise rollout[4][14][17]11, incl. Brian Doubles (President and Chief Executive Officer)[45][46]Professional workforce using AI tools since 2024: Nearly 100% (Aug 13, 2026)[4]5 patents listed on the profile, e.g. US 2026/0006097 A1 (Custom filtering and routing of large-language-model content)[47]Not surveyed
Commerce BancsharesEnterprise data strategy with an AI pillar; receivables automation for commercial clients[15][29][30][31]7, incl. John Kemper (President and CEO)[15][48]Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025)[12]Not disclosedNot surveyed
UMB FinancialIntegration first: the Heartland systems conversion[26][27][28]11, incl. Mariner Kemper (Chairman and CEO)[49][27]Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026)[50][51][52][53]Not disclosedNot surveyed
Central BancompanyIn-house technology division and core modernisation programme[32][33][34][35][36]6, incl. John 'JR' Ross (President and CEO)[54]Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026)[36]Not disclosedNot surveyed
Associated Banc-CorpLine-of-business AI under a chief data officer / CIO[18][19][16][20]12, incl. Andy Harmening (President and CEO)[55][56]AI use cases in process: 30 (Sep 15, 2026)[8]1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account)[57]2 open AI roles (Sep 24, 2026); most in AI product & strategy
BOK Financial CorporationNot disclosed9, incl. Stacy Kymes (President and CEO)[58][59]Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026)[60][61][62][9]Not disclosed3 open AI roles (Oct 13, 2026); most in AI engineering
Last 12 months

What are the latest dated moves on the AI record of FNBO and its peers?

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

DateBankMove
Oct 1, 2026CommerceNolan & Associates acquisition completed[63]
Oct 1, 2026Barclays USGroup expands Anthropic collaboration[64]
Oct 1, 2026FNBOBlue Ridge acquisition closes[65]
Sep 30, 2026SynchronyOxford Economics study and an AI-platform partnership for CareCredit[66][67]
Sep 15, 2026AssociatedBarclays conference: 30 AI use cases in process[8]
Sep 2, 2026FNBOInBank deal valued at up to $204 million[68]
Aug 31, 2026CommerceFraud guide says scammers use generative AI[69]
Aug 27, 2026SynchronyStrategy chief on 'healthy paranoia' about agentic commerce[70]
Aug 20, 2026UMB'Playing with the big boys'[71]
Aug 17, 2026BOK Financial18th for customer reputation[72]
Aug 14, 2026Central BankQ2 2026 10-Q: AI-related fraud and cyber risks monitored[73]
Aug 14, 2026Central BankQ2 2026 10-Q: $12 million of core modernisation capitalised[73]
Aug 13, 2026BOK FinancialVanilla case study: AI trust-document review[74]
Aug 12, 2026Bread FinancialBread Financial joins the Agentic AI Foundation as a Silver member[75]
Aug 5, 2026AssociatedGuide on AI-powered social engineering[76]
Jul 30, 2026UMBQ2 2026 10-Q has no AI language[77]
Jul 28, 2026Barclays USHalf-year results: no AI discussion on the call[78][79]
Jul 28, 2026Bread FinancialQ2 10-Q: continued AI investment, agentic commerce as a competitive risk[80]
FNBO vs the co-brand card issuers

How does FNBO's AI compare with the card issuers it competes with for partners?

What each issuer has disclosed about its card business and its AI, with the date. Synchrony's 10-K names American Express, Bread Financial, Capital One/Discover, JPMorgan Chase, Citibank, TD Bank and Wells Fargo among its primary competitors for partners.

IssuerCard business disclosedAI in operationsAI leadership
FNBO15th-largest US card issuer with more than 90 card partners (AWS, December 2024); card charge-offs 4.92% in 2025Verafin agents cut financial-crime case time 50%; Pindrop Fraud Assist 35% to 40% (vendor); Prove Pre-Fill in co-brand onboardingGenerative-AI strategy led by a VP of technology data services[81][7][1][2][82][13]
SynchronyPrivate-label and co-brand lender; Home & Auto platform partners in home improvement, furniture and appliancesNearly 100% of the professional workforce using AI tools; OpenAI models across the enterprise (August 2026)Chief AI officer from June 30, 2026[83][4][14]
Bread FinancialCo-brand and private-label cards; competes with major financial institutions and fintechs100% of customer calls reviewed with AI; over 200 machine-learning models in the businessIn-house agentic AI platform[10][6][84][25]
Barclays USAbout 20 million US card customers and about $32 billion of receivables; 20 partner brandsMore than 8 million calls summarized by generative AI since October 2025Group-wide Barclays AI program[85][86][5]
Capital OneLargest US card issuer by outstanding card loans (December 31, 2025); Discover acquiredEno assistant since 2017; MACAW summarizes fraud callsIn-house models and agents[87][88][89][90]
Fraud and financial-crime AI in the group

How does FNBO's fraud and financial-crime AI compare with its peers'?

Fraud and AML AI that each bank has described, with the source type. Vendor-reported figures are marked.

BankToolResult disclosedDate and source
FNBONasdaq Verafin EDD and sanctions-screening agents on AWS BedrockInvestigator time per case down 50%; EDD case from about 30 to about 15 minutes; 15 investigators and analystsJune 2026, American Banker[1]
FNBOPindrop Fraud Assist for card-fraud investigationsTime down 35% to 40%; analyst accuracy up 50% (vendor-reported)March 2026, Pindrop release[2]
Bread FinancialAI review of customer calls; machine-learning models100% of calls reviewed, from 2% to 3%; fraud-related operational losses $65 million a year2025, conference and 10-K[6][10]
United Community (Southeast)Vendor AI in fraudFraud losses down 50% over two yearsApril 2026, earnings call[91]
BOK FinancialVanilla for trust reviewsAbout four hours saved per initial trust review (vendor-reported)August 2026[74]
FNBO vs Midwest banks

How does FNBO's technology record compare with the Midwest banks in its markets?

Each bank's headline AI or digital disclosure on this site's profiles.

BankHeadline disclosureDate
FNBOAI agents in financial-crime and fraud investigations; three bank deals in 16 months (Country Club, Blue Ridge, InBank)June 2026; October 2025 to September 2026[1][38][65][68]
CommerceAI pillar and roadmap in its enterprise data strategy; AI receivables automation for clientsFebruary 2026[15][29]
UMBAI named in the board risk committee's remit; Heartland systems conversion2025 to 2026[92][26]
Central BancompanyPersonetics AI insights in its app; about 65 in-house programmers and designers2025 to 2026[36][32]
Associated30 AI use cases in process; an internal tool built for $45,000 against an $800,000 purchaseSeptember 2026[8]
AI in lending and card onboarding

How does FNBO's use of AI in lending and card onboarding compare?

FNBO was early to AI-based consumer credit. It began piloting Upstart's AI lending software in July 2019, kept FICO and debt-to-income in the model, lent tens of millions of dollars and briefed the OCC; in December 2021 it expanded the program nationwide after a pilot Net Promoter Score of 83, with 78% of loans approved instantly and a plan to extend it to affinity partners. In August 2025 it added Prove Pre-Fill identity verification to co-branded card onboarding.[3][11][82]

Its card rivals now disclose in-house models at larger scale. Bread Financial says it has over 200 machine-learning models embedded in the business, and Affirm launched a transformer-based machine-learning model for real-time underwriting in September 2026, reporting 3.4% more completed purchases than a control group in its initial deployment. FNBO's 2025 letter credits improved underwriting capabilities, technology and processes for card charge-offs falling to 4.92% from 5.52%.[84][93][7]

The peer group

Which banks are FNBO's peers, and why these?

First National Bank of Omaha (FNBO) is compared here with Bread Financial Holdings, Barclays US Consumer Bank, Synchrony Financial, Commerce Bancshares, UMB Financial, Central Bancompany, Associated Banc-Corp and BOK Financial Corporation: chosen by the editors for this page (see the note below the table). First National Bank of Omaha (FNBO) is classed as a regional or retail-commercial bank in the Midwest.

FNBO runs two businesses, a Partnership division built on co-branded credit cards and a Midwestern bank, so the computed group of regional banks left out its card rivals; this group puts the co-brand and private-label card issuers it competes with for partners first (Bread Financial, Barclays US, Synchrony), then the Midwest and Plains banks it meets in Omaha, Kansas City and Denver (Commerce, UMB, Central Bancompany, Associated, BOK Financial).

Common questions

How does FNBO use AI compared with other banks?

FNBO's best-documented AI is agentic: Nasdaq Verafin agents that halved investigator time per financial-crime case (June 2026) and Pindrop's Fraud Assist agent in card-fraud work (March 2026, vendor-reported). Card rivals disclose more employee AI: Synchrony says nearly all its professionals use AI tools, and Barclays US has summarized more than 8 million calls with generative AI.[1][2][4][5]

Is FNBO better than Synchrony at AI?

The record cannot settle capability. Synchrony has put more on it: 68.8 on this site's disclosure index against FNBO's 53.2, with a chief AI officer and an enterprise OpenAI collaboration (August 2026). FNBO has more measured results in financial-crime work, where its Verafin agents cut case time by 50%.[4][14][1]

How does FNBO compare with Bread Financial?

Both issue co-branded cards and compete for retail partners. Bread scores 50.5 on this site's index and FNBO 53.2; Bread reviews 100% of customer calls with AI and runs over 200 machine-learning models, while FNBO has AI agents in financial-crime and fraud investigations. FNBO's card charge-off rate was 4.92% in 2025.[6][84][1][7]

Does FNBO use AI in lending?

Yes. FNBO piloted Upstart's AI-based lending software from July 2019, keeping FICO and debt-to-income in the model and briefing the OCC, and expanded it nationwide in December 2021 with 78% of loans approved instantly. Its 2025 letter credits improved underwriting capabilities and technology for lower card losses.[3][11][7]

Who leads AI at FNBO?

No chief AI officer is named. Erin Saxby, vice president of technology data services, leads the generative-AI strategy; BSA/AML officer David Dawson and chief risk officer Nick Baxter speak for the Verafin agents. Synchrony, by contrast, named a chief AI officer in 2026.[13][1][4]

How does FNBO compare with Commerce Bancshares?

Both are family-led Midwestern banks with large card businesses, and FNBO's Country Club and Blue Ridge deals put it in Commerce's Kansas City market. FNBO scores 53.2 on this site's index and Commerce 34: FNBO has AI agents in production, while Commerce has a written AI roadmap and AI receivables automation for clients.[38][65][1][15][29]

Peers on this site
Bread Financial AI strategy →How Bread Financial Holdings compares with its peers →Barclays US AI strategy →How Barclays US Consumer Bank compares with its peers →Synchrony Bank AI strategy →How Synchrony Financial compares with its peers →Commerce AI strategy →How Commerce Bancshares compares with its peers →UMB AI strategy →How UMB Financial compares with its peers →Central Bank AI strategy →How Central Bancompany compares with its peers →Associated AI strategy →How Associated Banc-Corp compares with its peers →BOK Financial AI strategy →How BOK Financial Corporation compares with its peers →
Deeper on FNBO
FNBO AI strategy: the full profile →First National Bank of Omaha (FNBO) competitors and alternatives →How does FNBO use AI for fraud detection and credit decisions? →What is FNBO's AI strategy, and who drives it? →What technology platforms and partners does FNBO run on? →FNBO AI profile →FNBO competitors and alternatives →Synchrony AI profile →Bank AI index →Bread Financial AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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    Central Bancompany (SEC filings) · Aug 14, 2026
  74. How BOK Financial Streamlines Trust Reviews with Vanilla
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