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Cullen/Frost Bankers vs peers
AI and technology compared

Last updated Oct 19, 2026 · 7 peers · 75 sources cited

How does Cullen/Frost Bankers compare with its peers on AI and technology?

On this site's AI disclosure index Cullen/Frost scores 49.3 (#58 of 120 US banks), third in an eight-bank Texas and Southwest group behind Western Alliance (71.8) and Zions (59.6), level with Texas Capital (49.1), and ahead of BOK Financial (41.8) and Prosperity (40). It leads the group on disclosed numbers and named leaders, and the numbers are about customers rather than models: on Blend, digital account-opening completion rose from 50% to 80% and manual review fell from 15% to 3% (August 2026); 53% of consumer deposit accounts were opened online in the second quarter of 2026; and its call center absorbed 38% more calls with 14% more staff, helped by a contact-center copilot. Frost also ranked first in all eight dimensions of J.D. Power's 2026 Texas retail banking study, including digital channels, for a 17th straight year. Where it trails is AI built for staff at scale. Texas Capital says about 80% of employees used its in-house Ranger platform in the four weeks before April 2026 and staff had built 280 agents; Zions put generative-AI use at 56% of its workforce; Western Alliance counted 150,000+ hours saved. Frost discloses no AI budget, platform or AI officer, and AI did not come up on its October 2025 or July 2026 earnings calls. Against the national banks that lead Texas deposits the gap is customer AI: Bank of America's Erica helps more than 24.6 million clients and Wells Fargo's Fargo passed 1 billion interactions, while Frost's technology chief says it will not front customer conversations with a bot.[1][2][3][4][5][6][7][8][9][10][11]

Data as of Oct 19, 2026 · Frost profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Frost lead its peers on AI?

01

The most disclosed customer numbers in the group

Frost scores 16 on disclosed numbers, first in its eight-bank group (median 13): account-opening completion 50% to 80%, manual review 15% to 3% and NPS 90 to 94 on Blend (August 2026), 81% of checking households engaging digitally and 53% of consumer deposit accounts opened online (Q2 2026). Prosperity's numbers are a $75 million to $90 million annual technology budget and a faster core.[1][2][12]

02

Ranked first on digital channels in Texas, independently

J.D. Power's 2026 US Retail Banking Satisfaction Study gave Frost 757 points, 76 above the Texas average, and first place in all eight dimensions including digital channels; it has topped Texas in all 17 years J.D. Power has surveyed the state. Frost's deck says its 4.9 App Store rating is unmatched by any US bank.[3][2]

03

A contact-center copilot with a capacity result

Frost's August 2026 deck credits a contact-center copilot, call-center modernization and enhanced chat with handling 38% more calls on 14% more staff (as of December 2025). Among Texas peers, Hilltop and First Financial have described no AI in customer service, and Prosperity's filings name AI only as a risk.[2][13][14][15]

04

More named technology leaders than any Texas peer

Frost's profile names 12 people tied to its technology work, first in the group (median 8): chief consumer banking and technology officer Jimmy Stead, the board Technology and Cybersecurity Committee chaired by former Cloudflare field CTO John Engates, and a director who led AI and data transformation at Southwest Airlines.[11][16]

Where it trails

Where does Frost trail its peers on AI?

01

No staff AI platform while Texas Capital runs one at 80% adoption

Texas Capital's in-house multi-LLM platform, Ranger, was used by about 80% of employees in the four weeks before April 23, 2026, and 64 employees had built 280 agents. Frost discloses no internal AI platform, adoption share or AI budget; its AI did not come up on the October 2025 or July 2026 calls.[4][7][8]

02

No AI, data or digital officer, unlike Texas Capital and BOK Financial

Texas Capital named Mo Jamous chief digital and information officer, with AI enablement in his remit, in July 2026; BOK Financial's chief data and analytics officer owns enterprise data and AI strategy. Frost's 10-K says its CIO reports to the chief consumer banking officer, and no AI or data executive is named.[17][18][19]

03

No customer AI assistant, by choice, against the big Texas banks

Stead has said Frost will give employees AI rather than put a bot in customer conversations. Bank of America's Erica helps more than 24.6 million clients and Wells Fargo's Fargo passed 1 billion interactions in March 2026; the two hold 6.96% and 8.86% of Houston deposits against Frost's 2.30% (June 2025).[11][9][10][20]

04

Less independent coverage than Western Alliance, Zions and BOK

Frost scores 7 on independent sources, fifth in the group behind Western Alliance (13), Zions (11), BOK Financial (9) and Hilltop (8); its best numbers come from its own deck and from Blend. Blend's agentic Autopilot ran across its lenders without naming Frost.[2][1][21]

AI index

Where does Frost 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
Western Alliance Bancorporation71.8#32 of 120131416 of 1718Triangle of Fraud Protection and the enterprise AI programme[22][23][24][25]
Zions Bancorporation59.6#48 of 120111010 of 1613A modern core plus a Gemini-based enterprise AI platform[5][26][27]
Cullen/Frost Bankers (this page)49.3#58 of 1207157 of 917Frost mobile app and Blend digital origination[11][1][21][2]
Texas Capital Bancshares49.1#60 of 1206178 of 1221Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[28][17][29][4]
BOK Financial Corporation41.8#69 of 1209184 of 620Not disclosed
Prosperity Bancshares40#71 of 1206154 of 817Real-time core (converted February 2026)[30][31][32][33][34][35]
Hilltop Holdings30.7#87 of 120896 of 910Not disclosed
First Financial Bankshares0.9#120 of 1202170 of 112Not disclosed
Component by component

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

Each row is one input of the index, counted on the profiles of Frost and the 7 peers that are scored on the same basis. "Place" is Frost's position in the group of 8 (1st = most).

Component (weight)FrostPeer medianMost in the groupPlace
Independent sources (45%)78Western Alliance (13)5th of 8
Use cases in production (10%)76Western Alliance (16)4th of 8
Own primary disclosures (10%)1515BOK Financial (18)4th of 8
Dated moves, last 12 months (10%)1717Texas Capital (21)4th of 8
Disclosed numbers (5%)1613Frost (16)1st of 8
Named AI leaders (5%)128Frost (12)1st of 8
Use cases described (5%)99Western Alliance (17)4th of 8
Head to head

What has each bank in Frost'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
Cullen/Frost BankersFrost mobile app and Blend digital origination[11][1][21][2]12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)[36]Digital account-opening completion rate: 50% → 80% (Aug 18, 2026)[1]2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees)[37]2 open AI roles (Oct 1, 2026); most in AI security
Prosperity BancsharesReal-time core (converted February 2026)[30][31][32][33][34][35]6, incl. David Zalman (Senior Chairman and CEO)[34][38]Not disclosedNot disclosedNot surveyed
Texas Capital BancsharesCloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[28][17][29][4]8, incl. Rob C. Holmes (President and CEO)[28][39]Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026)[4]Not disclosedNot surveyed
BOK Financial CorporationNot disclosed9, incl. Stacy Kymes (President and CEO)[40][41]Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026)[42][43][44][45]Not disclosed3 open AI roles (Oct 13, 2026); most in AI engineering
Zions BancorporationA modern core plus a Gemini-based enterprise AI platform[5][26][27]11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)[26][46]Workforce using generative AI: 56% (Sep 24, 2025)[5]Not disclosedNot surveyed
Hilltop HoldingsNot disclosed8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)[47]PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024)[48]Not disclosedNot surveyed
First Financial BanksharesNot disclosed6, incl. David Bailey (President and CEO)[49][50]Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025)[51]Not disclosedNot surveyed
Western Alliance BancorporationTriangle of Fraud Protection and the enterprise AI programme[22][23][24][25]12, incl. Ken Vecchione (Chairman)[52][53][54]Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026)[6]Not disclosed5 open AI roles (Sep 24, 2026); most in AI engineering
Last 12 months

What are the latest dated moves on the AI record of Frost 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 7, 2026HilltopHilltopSecurities survey: 50% of public finance leaders use AI daily or weekly[55]
Sep 29, 2026First Financial BanksharesFirst full-service Austin-area branch[56]
Sep 16, 2026Western AllianceBarclays conference: 15 AI use cases, top five for 2027[57]
Sep 16, 2026Western AllianceAI team first used to defend against Mythos[57]
Sep 16, 2026Texas CapitalChief risk officer departs; chief credit officer steps in[58]
Aug 27, 2026FrostBlend 'Ecosystem Expander' award[59]
Aug 20, 2026FrostBlend reports agentic Autopilot results across lenders[21]
Aug 17, 2026BOK Financial18th for customer reputation[60]
Aug 13, 2026BOK FinancialVanilla case study: AI trust-document review[61]
Aug 6, 2026ZionsQ2 2026 10-Q lists AI among emerging-technology risks[62][63]
Aug 6, 2026ProsperityQ2 2026 10-Q repeats the AI risk bullet[15]
Aug 5, 2026ZionsZest AI says Zions Bank selected it for lending decisions[64]
Aug 4, 2026First Financial BanksharesSecond-quarter 10-Q has no AI reference[14]
Jul 29, 2026Texas CapitalSecond attempt to redomicile to Texas planned[65]
Jul 29, 2026ProsperityQ2 call: Stellar savings of $80-85 million wait for a March 2027 conversion[35]
Jul 24, 2026HilltopQ2 2026 10-Q has no AI language[13]
Frost vs the national banks in Texas

How does Frost's digital banking compare with Chase, Bank of America and Wells Fargo?

The three national banks lead deposits in Texas's largest metros. What each has disclosed about its customer assistant and digital reach, beside its Houston and Dallas-Fort Worth deposit share from the FDIC (June 30, 2025).

BankCustomer AI assistantDigital reachHouston / Dallas-Fort Worth deposit share
FrostNone, by design; a contact-center copilot and enhanced chat for staff81% of checking households engage digitally; 53% of consumer deposit accounts opened online (Q2 2026); 4.9 App Store rating2.30% (63 offices) / 1.57% (65 offices)[11][2][20][66]
JPMorgan ChaseNo consumer assistant launched; a consumer travel agent targeted for pilot before the end of 202674.6 million active digital and 61.7 million active mobile customers (2025)50.61% (156 offices) / 13.94% (189 offices)[67][68][20][66]
Bank of AmericaErica: helps more than 24.6 million clients; 3.6 billion interactions since 201860 million clients use its digital capabilities6.96% (102 offices) / 20.54% (120 offices)[9][20][66]
Wells FargoFargo: more than 1 billion interactions in under three years (March 2026)More than 33 million mobile active users (February 2026)8.86% (137 offices) / 3.43% (138 offices)[10][20][66]
Staff AI in the Texas group

How does Frost's internal use of AI compare with other Texas and Southwest banks?

Employee-facing AI each bank has described, with the scale it disclosed.

BankWhat it hasScale disclosedDate
FrostContact-center copilot (LivePerson reported in 2024); limited AI tools for research and administration at Frost Investment Services38% more calls on 14% more call-center staffJuly 2024; March and August 2026[69][70][2]
Texas CapitalRanger, an in-house multi-LLM platform; agents in loan operations and fraudAbout 80% of employees in four weeks; 280 employee-built agentsApril 2026[4]
ZionsGemini-based enterprise AI platform56% of the workforce using generative AISeptember 2025; March 2026[5][26]
Western AllianceEnterprise AI program, Microsoft Copilot150,000+ employee hours saved; $10 million+ productivity valueMay 2026[6]
BOK FinancialVanilla AI review of trust documents (vendor-reported)About four hours saved per initial trust reviewAugust 2026[61]
Hilltop (PrimeLending)AI tools ('MoBots') in mortgage operations15 tools over two yearsNovember 2024[48]
Digital onboarding and core systems

How does Frost's digital account opening compare with its Texas peers' platforms?

The onboarding and core-system moves each bank has disclosed, with any result attached.

BankPlatform or moveResult disclosedDate
FrostBlend for deposits and lending; 66% of tier-one capabilities modernized, 40% in the cloudCompletion 50% to 80%; manual review 15% to 3%; accounts opened in six to seven minutesAugust 2026[1][2]
Texas CapitalInitio commercial onboarding; 96% of critical infrastructure in the cloudCommercial accounts opened in a few days against an estimated 40-day normJune 2024; October 2025[71][72]
ProsperityReal-time core processing systemPost-weekend account update cut to about 1.5 hoursFebruary and April 2026[30][12]
ZionsReplaced loan and deposit core; Snapdocs hybrid closingsAbout 500 deposit products cut to about 100; 75% hybrid-closing adoption after one monthAugust and October 2024[73][74]
Hilltop (PrimeLending)PointServ integrationCustomer adoption up more than 65%; automated approvals up more than 15%February 2025[75]
The peer group

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

Cullen/Frost Bankers is compared here with Prosperity Bancshares, Texas Capital Bancshares, BOK Financial Corporation, Zions Bancorporation, Hilltop Holdings, First Financial Bankshares and Western Alliance Bancorporation: chosen by the editors for this page (see the note below the table). Cullen/Frost Bankers is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in banks from Pennsylvania, New Jersey, Florida, Wisconsin and the West Coast; this group holds the regional banks Frost meets in Texas, the Texas-headquartered Prosperity, Texas Capital, Hilltop (PlainsCapital) and First Financial plus BOK Financial and Zions (Amegy), which hold Texas deposits, and Western Alliance, four of them (Prosperity, BOK Financial, Zions and Western Alliance) also in Frost's own 2026 proxy compensation peer group, while the national banks that lead Texas deposits are compared in a separate table below.

Common questions

Is Frost better than Texas Capital at AI?

The record cannot settle capability, and on this site's disclosure index the two are level: Texas Capital scores 49.1 and Frost 49.3. Texas Capital reports staff adoption of its Ranger platform (about 80%) and 280 employee-built agents; Frost reports customer outcomes, such as digital account-opening completion rising from 50% to 80% on Blend.[4][1]

Does Frost Bank have an AI chatbot like Erica?

No. Frost's chief consumer banking and technology officer has said it will use AI to give employees more knowledge rather than put a bot in customer conversations, and he expects AI eventually to let customers tell the app what they need in their own words. Bank of America's Erica helps more than 24.6 million clients.[11][9]

How does Frost's mobile app compare with the big banks?

Frost ranked first on digital channels in J.D. Power's 2026 Texas retail banking study and reports a 4.9 App Store rating and 81% of checking households engaging digitally (Q2 2026). The big banks report scale instead: 74.6 million active digital customers at Chase (2025) and 60 million digital clients at Bank of America.[3][2][68][9]

How does Frost compare with Prosperity on technology?

Frost scores 49.3 on this site's disclosure index and Prosperity 40. Prosperity converted to a real-time core in February 2026 and puts its annual technology spend at $75 million to $90 million; Frost does not disclose a technology budget but reports digital account-opening and call-center results.[30][12][1][2]

Who leads AI at Frost compared with its peers?

Frost names no AI or data officer. Jimmy Stead, chief consumer banking and technology officer, speaks for its technology strategy, and the board's Technology and Cybersecurity Committee is chaired by former Cloudflare field CTO John Engates. Texas Capital appointed a chief digital and information officer in July 2026; BOK Financial has a chief data and analytics officer.[11][16][17][18]

How does Frost's AI compare with BOK Financial's?

Frost scores 49.3 and BOK Financial 41.8 on this site's disclosure index. Neither discussed AI on recent earnings calls. BOK's one disclosed deployment is vendor-reported (Vanilla AI trust-document review, about four hours saved per review); Frost discloses a contact-center copilot and Blend onboarding results.[8][61][2][1]

What does Frost lead on if not AI disclosure?

Customer satisfaction and organic growth. J.D. Power ranked Frost first in Texas for the 17th straight year in 2026, 76 points above the regional average, and it planned about 15 new branches and 150 hires for 2026 without buying banks.[3][36]

Peers on this site
Prosperity AI strategy →How Prosperity Bancshares compares with its peers →Texas Capital AI strategy →How Texas Capital Bancshares compares with its peers →BOK Financial AI strategy →How BOK Financial Corporation compares with its peers →Zions AI strategy →How Zions Bancorporation compares with its peers →PlainsCapital Bank AI strategy →How Hilltop Holdings compares with its peers →First Financial Bank Texas AI strategy →How First Financial Bankshares compares with its peers →Western Alliance AI strategy →How Western Alliance Bancorporation compares with its peers →
Deeper on Frost
Frost AI strategy: the full profile →Cullen/Frost Bankers competitors and alternatives →What is Frost Bank's AI strategy? →What technology stack does Frost Bank run? →What client experience technology does Frost Bank offer? →Cullen/Frost AI profile →Frost competitors and alternatives →Texas Capital AI profile →Prosperity AI profile →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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    Business Wire via FT Markets · Aug 18, 2026
  2. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1)
    Cullen/Frost Bankers (SEC filings) · Aug 17, 2026
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    Frost Bank (PR Newswire) · Mar 26, 2026
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    The Motley Fool (Yahoo Finance) · Apr 23, 2026
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    Western Alliance Bancorporation (SEC filings) · May 12, 2026
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    The Motley Fool (earnings call transcript) · Oct 30, 2025
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    Cullen/Frost Bankers (SEC filings) · Mar 20, 2026
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  27. Zions Bancorporation sees executive shuffle
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  30. System Upgrade
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  75. PrimeLending (2025 HW Tech100 winner)
    HousingWire · Feb 3, 2025

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