# Cullen/Frost Bankers vs peers: AI and technology compared

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

*Part of the [Cullen/Frost Bankers AI strategy profile](https://www.bankingnewsai.com/banks/frost). Peer group: Prosperity Bancshares, Texas Capital Bancshares, BOK Financial Corporation, Zions Bancorporation, Hilltop Holdings, First Financial Bankshares, Western Alliance Bancorporation.*

## 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. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Frost Bank (PR Newswire)](https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/02/10/cullen-frost-cfr-q3-2025-earnings-transcript/), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/07/30/cullenfrost-cfr-q2-2026-earnings-call-transcript/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/))

## Where does Frost lead its peers on AI?

- **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. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript))
- **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. ([Frost Bank (PR Newswire)](https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm))
- **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. ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm))
- **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. ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000023/cfr-20260320.htm))

## Where does Frost trail its peers on AI?

- **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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/02/10/cullen-frost-cfr-q3-2025-earnings-transcript/), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/07/30/cullenfrost-cfr-q2-2026-earnings-call-transcript/))
- **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. ([Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm))
- **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). ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))
- **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. ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1))

## 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.

| 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)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |
| [Cullen/Frost Bankers (this page)](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | [30.7](https://www.bankingnewsai.com/banks/ai-index) | #87 of 120 | [8](https://www.bankingnewsai.com/banks/hilltop#sources) | [9](https://www.bankingnewsai.com/banks/hilltop#sources) | [6 of 9](https://www.bankingnewsai.com/banks/hilltop#where) | [10](https://www.bankingnewsai.com/banks/hilltop#timeline) | Not disclosed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | [0.9](https://www.bankingnewsai.com/banks/ai-index) | #120 of 120 | [2](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [17](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [0 of 1](https://www.bankingnewsai.com/banks/first-financial-bankshares#where) | [12](https://www.bankingnewsai.com/banks/first-financial-bankshares#timeline) | Not disclosed |

## On which parts of the AI record is 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) | Frost | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 8 | [Western Alliance (13)](https://www.bankingnewsai.com/banks/western-alliance) | 5th of 8 |
| Use cases in production (10%) | 7 | 6 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 4th of 8 |
| Own primary disclosures (10%) | 15 | 15 | [BOK Financial (18)](https://www.bankingnewsai.com/banks/bok-financial) | 4th of 8 |
| Dated moves, last 12 months (10%) | 17 | 17 | [Texas Capital (21)](https://www.bankingnewsai.com/banks/texas-capital) | 4th of 8 |
| Disclosed numbers (5%) | 16 | 13 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 1st of 8 |
| Named AI leaders (5%) | 12 | 8 | [Frost (12)](https://www.bankingnewsai.com/banks/frost) | 1st of 8 |
| Use cases described (5%) | 9 | 9 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 4th of 8 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | 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) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |
| [Hilltop Holdings](https://www.bankingnewsai.com/banks/hilltop) | Not disclosed | [8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/hilltop#people) ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm)) | PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024) ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) | Not disclosed | Not surveyed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [6, incl. David Bailey (President and CEO)](https://www.bankingnewsai.com/banks/first-financial-bankshares#people) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) | Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) | Not disclosed | Not surveyed |
| [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) |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 7, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | HilltopSecurities survey: 50% of public finance leaders use AI daily or weekly ([Business Wire (Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html)) |
| Sep 29, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Sep 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 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| Aug 4, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Second-quarter 10-Q has no AI reference ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 24, 2026 | [Hilltop](https://www.bankingnewsai.com/banks/hilltop) | Q2 2026 10-Q has no AI language ([Hilltop Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm)) |

## 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).

| Bank | Customer AI assistant | Digital reach | Houston / Dallas-Fort Worth deposit share |
| --- | --- | --- | --- |
| Frost | None, by design; a contact-center copilot and enhanced chat for staff | 81% of checking households engage digitally; 53% of consumer deposit accounts opened online (Q2 2026); 4.9 App Store rating | 2.30% (63 offices) / 1.57% (65 offices) ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| JPMorgan Chase | No consumer assistant launched; a consumer travel agent targeted for pilot before the end of 2026 | 74.6 million active digital and 61.7 million active mobile customers (2025) | 50.61% (156 offices) / 13.94% (189 offices) ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Bank of America | Erica: helps more than 24.6 million clients; 3.6 billion interactions since 2018 | 60 million clients use its digital capabilities | 6.96% (102 offices) / 20.54% (120 offices) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Wells Fargo | Fargo: 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) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## 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.

| Bank | What it has | Scale disclosed | Date |
| --- | --- | --- | --- |
| Frost | Contact-center copilot (LivePerson reported in 2024); limited AI tools for research and administration at Frost Investment Services | 38% more calls on 14% more call-center staff | July 2024; March and August 2026 ([Bank Automation News](https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy), [Frost Bank](https://www.frostbank.com/FormADVPart2A), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| Texas Capital | Ranger, an in-house multi-LLM platform; agents in loan operations and fraud | About 80% of employees in four weeks; 280 employee-built agents | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Zions | Gemini-based enterprise AI platform | 56% of the workforce using generative AI | September 2025; March 2026 ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins)) |
| Western Alliance | Enterprise AI program, Microsoft Copilot | 150,000+ employee hours saved; $10 million+ productivity value | May 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| BOK Financial | Vanilla AI review of trust documents (vendor-reported) | About four hours saved per initial trust review | August 2026 ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Hilltop (PrimeLending) | AI tools ('MoBots') in mortgage operations | 15 tools over two years | November 2024 ([HousingWire](https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough)) |

## 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.

| Bank | Platform or move | Result disclosed | Date |
| --- | --- | --- | --- |
| Frost | Blend for deposits and lending; 66% of tier-one capabilities modernized, 40% in the cloud | Completion 50% to 80%; manual review 15% to 3%; accounts opened in six to seven minutes | August 2026 ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| Texas Capital | Initio commercial onboarding; 96% of critical infrastructure in the cloud | Commercial accounts opened in a few days against an estimated 40-day norm | June 2024; October 2025 ([American Banker](https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close)) |
| Prosperity | Real-time core processing system | Post-weekend account update cut to about 1.5 hours | February and April 2026 ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |
| Zions | Replaced loan and deposit core; Snapdocs hybrid closings | About 500 deposit products cut to about 100; 75% hybrid-closing adoption after one month | August and October 2024 ([American Banker](https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade), [Snapdocs (Business Wire)](https://www.businesswire.com/news/home/20241003224051/en/Zions-Bancorporation-Achieves-75-Hybrid-Digital-Closing-Adoption-After-Just-One-Month-with-Snapdocs)) |
| Hilltop (PrimeLending) | PointServ integration | Customer adoption up more than 65%; automated approvals up more than 15% | February 2025 ([HousingWire](https://housingwire.com/company-profile/2025-tech100-winner-primelending)) |

## 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1))

### 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. ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### 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. ([Frost Bank (PR Newswire)](https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### 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. ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm))

### 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. ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000023/cfr-20260320.htm), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota))

### 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. ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/07/30/cullenfrost-cfr-q2-2026-earnings-call-transcript/), [Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1))

### 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. ([Frost Bank (PR Newswire)](https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/))

## Peers on this site

- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/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)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)
- [Hilltop Holdings AI strategy](https://www.bankingnewsai.com/banks/hilltop) · [vs peers](https://www.bankingnewsai.com/banks/hilltop/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)

## Sources

1. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
2. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
3. For 17th consecutive year, Frost Bank ranks highest in the J.D. Power Retail Banking Satisfaction Study in Texas — Frost Bank (PR Newswire), Mar 26, 2026. https://www.prnewswire.com/news-releases/for-17th-consecutive-year-frost-bank-ranks-highest-in-the-jd-power-retail-banking-satisfaction-study-in-texas-302726413.html
4. Texas Capital (TCBI) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html
5. The Most Powerful Women to Watch, No. 3, Jennifer Smith, Zions Bancorporation — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation
6. Western Alliance Bancorporation Investor Day 2026 presentation (Form 8-K, Exhibit 99.1) — Western Alliance Bancorporation (SEC filings), May 12, 2026. https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm
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8. Cullen/Frost (CFR) Q2 2026 earnings call transcript (The Motley Fool) — The Motley Fool (earnings call transcript), Jul 30, 2026. https://www.fool.com/earnings/call-transcripts/2026/07/30/cullenfrost-cfr-q2-2026-earnings-call-transcript/
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10. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
11. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
12. Prosperity (PB) Q1 2026 Earnings Transcript — Earnings call transcript (The Motley Fool), Apr 29, 2026. https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript
13. Hilltop Holdings Inc. Form 10-Q for the quarter ended June 30, 2026 — Hilltop Holdings (SEC filing), Jul 24, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926086658/hth-20260630x10q.htm
14. First Financial Bankshares, Inc. Form 10-Q for the quarter ended June 30, 2026 — First Financial Bankshares (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm
15. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
16. Cullen/Frost Bankers 2026 Proxy Statement (DEF 14A) — Cullen/Frost Bankers (SEC filings), Mar 20, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000023/cfr-20260320.htm
17. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer — Texas Capital, Jul 13, 2026. https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer
18. Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile) — American Banker, Mar 24, 2026. https://digital-banking.americanbanker.com/profile/shanthi-pudota
19. Cullen/Frost Bankers Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Cullen/Frost Bankers (SEC filings), Feb 5, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000011/cfr-20251231.htm
20. Summary of Deposits, Deposit Market Share Report: Houston-Pasadena-The Woodlands, TX MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Houston-Pasadena-The%20Woodlands,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
21. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
22. How Truist and Western Alliance deploy AI to fight fraud — American Banker, Jun 4, 2025. https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud
23. 2025 Digital Payments in Class Actions and Mass Torts — Western Alliance Bank, Apr 4, 2025. https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf
24. Innovation of the Year 2025: Meet the honorees — American Banker, May 6, 2025. https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees
25. Western Alliance Bank Launches WA VenueX — Always-On Institutional Liquidity Hub and Financial Platform for the On-Chain Economy — Business Wire via FT Markets, Jul 24, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1
26. Zions' revamped tech leadership team eyes AI, stablecoins — American Banker, Mar 10, 2026. https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins
27. Zions Bancorporation sees executive shuffle — Banking Dive, Mar 3, 2026. https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/
28. A Look Ahead with Rob C. Holmes — 2026 — Texas Capital, Jan 7, 2026. https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026
29. Texas Capital Launches MAP — Texas Capital, May 18, 2026. https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm
30. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
31. Customer letter: real-time processing system upgrade — Prosperity Bank, Jan 9, 2026. https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf
32. Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings — Prosperity Bancshares, Apr 29, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf
33. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
34. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
35. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
36. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
37. US20170316393A1: System, apparatus and method for linking financial accounts to a subscription service and waiving select fees of those linked financial accounts — Google Patents (USPTO), Nov 2, 2017. https://patents.google.com/patent/US20170316393A1/en
38. Prosperity blames loan-growth woes on newcomers' pricing — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing
39. Texas Capital, buoyed by turnaround, to pay first-ever dividend — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend
40. BOK counting on mortgage finance for a boost in 2026 — American Banker, Jan 27, 2026. https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026
41. Kymes: Credit is still very benign despite recent headlines — CNBC, Oct 22, 2025. https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html
42. BOK Financial (BOKF) Q3 2025 earnings call transcript — The Motley Fool (earnings call transcript), Oct 21, 2025. https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/
43. Earnings call transcript: BOK Financial Q4 2025 earnings beat expectations — Investing.com, Jan 20, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059
44. BOK Financial (BOKF) Q1 2026 earnings call transcript — The Motley Fool (earnings call transcript), Apr 21, 2026. https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript
45. Earnings call transcript: BOK Financial beats Q2 2026 EPS forecast, shares slip — Investing.com, Jul 21, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980
46. Zions Bancorp's quarterly profit rises on interest income; offsets loan loss — Reuters, Oct 20, 2025. https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20
47. Hilltop Holdings Inc. Form 10-K for the fiscal year ended December 31, 2025 — Hilltop Holdings (SEC filing), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/1265131/000110465926015264/hth-20251231x10k.htm
48. 2024 Tech Trendsetter: Kimberly Hartsough — HousingWire, Nov 1, 2024. https://housingwire.com/winner-profile/2024-tech-trendsetter-kimberly-hartsough
49. First Financial Bankshares, Inc. Form 8-K (CEO transition), January 27, 2026 — First Financial Bankshares (SEC filing), Jan 28, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm
50. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
51. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bankshares (SEC filing), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm
52. Western Alliance Bancorporation Investor Day 2026 presentation — Western Alliance Bancorporation, May 11, 2026. https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf
53. Western Alliance Appoints CEO Kenneth Vecchione as Chairman — Business Wire via Yahoo Finance, Jun 15, 2026. https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html
54. Western Alliance Bancorporation (WAL-PA) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html
55. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds — Business Wire (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/economy/policy/articles/public-finance-leaders-embrace-innovation-120000828.html
56. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html
57. Western Alliance at Barclays Conference: shift to profits, buybacks (transcript) — Investing.com, Sep 16, 2026. https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090
58. Form 8-K: departure of Chief Risk Officer (Item 5.02) — SEC EDGAR, Sep 16, 2026. https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm
59. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
60. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
61. How BOK Financial Streamlines Trust Reviews with Vanilla — Vanilla (vendor case study), Aug 13, 2026. https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster
62. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Zions Bancorporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm
63. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Zions Bancorporation (SEC filings), May 7, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm
64. Zest AI Delivers Record First Half, Fueled by 77% Growth as Lenders Scale AI — Zest AI, Aug 5, 2026. https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/
65. Why one bank is determined to reincorporate in Texas — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas
66. Summary of Deposits, Deposit Market Share Report: Dallas-Fort Worth-Arlington, TX MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Dallas-Fort%20Worth-Arlington,%20TX&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
67. JPMorgan's Lake sees longer road to agentic commerce adoption — Banking Dive, Jun 10, 2026. https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426
68. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
69. Inside look: Frost Bank's AI and payments strategy — Bank Automation News, Jul 29, 2024. https://bankautomationnews.com/allposts/ai/inside-look-frost-banks-ai-and-payments-strategy
70. Form ADV Part 2A - Frost Investment Services, LLC firm brochure — Frost Bank, Mar 25, 2026. https://www.frostbank.com/FormADVPart2A
71. Streamlining commercial banking: Nancy McDonnell — American Banker, Jun 24, 2024. https://americanbanker.com/news/streamlining-commercial-banking-nancy-mcdonnell
72. Rob C. Holmes highlights Texas Capital's record growth on Bloomberg's The Close — Texas Capital, Oct 23, 2025. https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close
73. Zions leaders reflect on lessons learned from 11-year core upgrade — American Banker, Aug 21, 2024. https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade
74. Zions Bancorporation Achieves 75% Hybrid Digital Closing Adoption After Just One Month with Snapdocs — Snapdocs (Business Wire), Oct 3, 2024. https://www.businesswire.com/news/home/20241003224051/en/Zions-Bancorporation-Achieves-75-Hybrid-Digital-Closing-Adoption-After-Just-One-Month-with-Snapdocs
75. PrimeLending (2025 HW Tech100 winner) — HousingWire, Feb 3, 2025. https://housingwire.com/company-profile/2025-tech100-winner-primelending

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