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Fulton Financial Corporation vs peers
AI and technology compared

Last updated Oct 19, 2026 · 8 peers · 100 sources cited

How does Fulton Financial Corporation compare with its peers on AI and technology?

On this site's AI disclosure index Fulton scores 44.3 (#66 of 120 US banks), fifth in a nine-bank group drawn from its own 2026 proxy peer list, behind Valley (76.6), Old National (66), F.N.B. (60.2) and Atlantic Union (53.7) and ahead of Wintrust (38.1), Commerce (34), Rockland Trust (32.1) and United Bankshares (2). Fulton's AI is bought, not built. Salesforce said in September 2026 that Fulton set up its first Agentforce agent an hour after first hearing of it and had 3,000 employees using it six weeks later. Its contact centre runs NICE generative-AI agent assist and call summaries that saved agents three to five minutes a call (2024). It names no head of AI, no AI budget and no in-house AI team, and its 2025 10-K says that because of its size it may struggle to keep pace with larger competitors' technology investment. The peers ahead of it disclose more of their own AI. Valley names a head of AI (whose earlier job was running Fulton's customer-analytics team), reports about $15 million of savings against $3 million to $4 million of new AI spend (July 2026) and agreed on September 28, 2026 to buy the fintech Bluevine partly for its AI talent. F.N.B. reports 10 AI-enabled fraud tools and about 190,000 data-mined sales leads a quarter (November 2025). Fulton places second of nine on AI use cases in production, but fifth on independent coverage.[1][2][3][4][5][6][7][8][9]

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

Where it leads

Where does Fulton lead its peers on AI?

01

The fastest employee-agent rollout on the record in the group

Salesforce said at Dreamforce on September 24, 2026 that Fulton went from first hearing about Agentforce to its first agent in one hour, to power users within a week and to 3,000 employees six weeks later. Valley reported about 80 of roughly 3,600 employees with open AI access in July 2026; Rockland Trust's 2026 guidance funds three dedicated AI staff.[1][10][11]

02

More AI use cases in production than most of the group

Fulton scores 10 on use cases in production, second of nine behind Valley (13): Agentforce agents, NICE Copilot and auto summary, call summarization and an AI chatbot for Blue Foundry customers. Atlantic Union's AI call screening, to lift review from about 10% of calls to 100%, was still a plan in June 2026.[1][12][3][13][14]

03

A contact-centre AI stack with a measured time saving

Fulton's call-summary tool saved agents three to five minutes a call in a 100-person contact centre (November 2024), and NICE Copilot now supports agents across more than 3 million customer interactions a year (September 2026). Commerce, United Bankshares and Wintrust describe no contact-centre AI in their 2026 quarterly filings.[3][12][15][16][17]

Where it trails

Where does Fulton trail its peers on AI?

01

No head of AI, while Valley and F.N.B. hired AI leaders

Fulton's 2026 proxy lists a CIO and a chief operations and technology officer but no chief AI or data officer. Valley names Nickolaus Lachman head of AI and data science, previously Fulton's customer-analytics lead (April 2026); F.N.B. hired a director of AI and innovation in September 2025.[4][6][18]

02

No AI savings figure while Valley and Old National publish theirs

Fulton reports adoption (3,000 Agentforce users) but no AI saving. Valley puts run-rate savings at about $15 million against $3 million to $4 million of new AI spend (July 2026); Old National says AI cleaned up legacy Power BI code in about a week against a month for top programmers (April 2026).[1][7][19]

03

Silent on AI in calls and quarterly filings

Fulton's earnings calls from Q3 2025 to Q2 2026 and its Q1 and Q2 2026 10-Qs contain no AI wording. F.N.B.'s CEO said on the Q2 2026 call that its AI investment is weighted toward revenue and that machine-learning deposit pricing cut its cost of deposits; Valley's Q1 and Q2 2026 decks carry AI strategy slides.[20][21][22][23]

04

Fewer dated AI moves in the last year than the group median

Fulton scores 17 on dated moves in the last 12 months against a group median of 18, sixth of nine. Valley scores 22, with an AI Assistant, the Valley Foundry (September 2026) and the Bluevine deal; Fulton's year centred on converting Blue Foundry onto its platforms on July 11, 2026.[24][8][25]

AI index

Where does Fulton 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
Valley National Bancorp76.6#26 of 120112213 of 1722Cloud-first infrastructure, Valley's AI Assistant and tiered access[10][26][6][23]
Old National Bancorp66#40 of 12092210 of 1418Vendor-delivered automation on an acquisition-built bank[27][28][29][30]
F.N.B. Corporation60.2#47 of 1206259 of 1521eStore, the Common app and FNB's data hub[31][18][32]
Atlantic Union Bankshares53.7#52 of 12010145 of 1219Automated conversion and validation tooling (Sandy Spring integration)[14][33][34]
Fulton Financial Corporation (this page)44.3#66 of 12062310 of 1217Not disclosed
Wintrust Financial Corporation38.1#76 of 1208167 of 916Not disclosed
Commerce Bancshares34#84 of 1203216 of 1015Enterprise data strategy with an AI pillar; receivables automation for commercial clients[35][36][37][38]
Independent Bank Corp. (Rockland Trust)32.1#86 of 1203203 of 1020Office of Digital Innovation and AI governance framework[39][40][41][42][43]
United Bankshares2#116 of 1203255 of 813Not disclosed
Component by component

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

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

Component (weight)FultonPeer medianMost in the groupPlace
Independent sources (45%)67Valley (11)5th of 9
Use cases in production (10%)106.5Valley (13)2nd of 9
Own primary disclosures (10%)2321.5FNB (25)3rd of 9
Dated moves, last 12 months (10%)1718.5Valley (22)6th of 9
Disclosed numbers (5%)1314FNB (20)6th of 9
Named AI leaders (5%)88.5Valley (14)5th of 9
Use cases described (5%)1211Valley (17)4th of 9
Head to head

What has each bank in Fulton'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
Fulton Financial CorporationNot disclosed8, incl. Curt Myers (Chairman, CEO and President)[25][44]Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024)[3]1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods)[45]Not surveyed
F.N.B. CorporationeStore, the Common app and FNB's data hub[31][18][32]9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)[31][18]AI-enabled fraud tools: 10 (Nov 5, 2025)[9]Not disclosed5 open AI roles (Oct 1, 2026); most in AI product & strategy
Valley National BancorpCloud-first infrastructure, Valley's AI Assistant and tiered access[10][26][6][23]14, incl. Ira Robbins (Chairman and CEO)[46]Vendor contracts being replaced by AI: 3 (Jul 10, 2026)[10]Not disclosedNot surveyed
Atlantic Union BanksharesAutomated conversion and validation tooling (Sandy Spring integration)[14][33][34]8, incl. John Asbury (President and CEO)[47][48][49]Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026)[14]Not disclosed0 open AI roles (Sep 24, 2026)
United BanksharesNot disclosed6, incl. Richard M. Adams Jr. (Chief Executive Officer)[50][51]AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026)[52][53]Not disclosedNot surveyed
Old National BancorpVendor-delivered automation on an acquisition-built bank[27][28][29][30]12, incl. Jim Ryan (Chairman and CEO)[54][55]Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026)[19]None found (the profile's patent search)[56][57]1 open AI roles (Oct 1, 2026); most in AI product & strategy
Wintrust Financial CorporationNot disclosed10, incl. Tim Crane (President and Chief Executive Officer)[58][59][60]Wintrust Specialty Finance originations, first half 2026 (with AI credit adjudication): More than 4,000 deals, roughly $500 million; team of 34 (Jun 30, 2026)[61]Not disclosed1 open AI roles (Oct 5, 2026); most in responsible AI & governance
Independent Bank Corp. (Rockland Trust)Office of Digital Innovation and AI governance framework[39][40][41][42][43]5, incl. Jeffrey Tengel (Chief Executive Officer)[41][39]Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026)[11]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Commerce BancsharesEnterprise data strategy with an AI pillar; receivables automation for commercial clients[35][36][37][38]7, incl. John Kemper (President and CEO)[35][62]Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025)[63]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of Fulton 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 16, 2026Rockland TrustQ3 2026 call: core upgrade moved to February 2027; early AI applications in beta[64]
Oct 15, 2026Rockland TrustThird-quarter 2026 results: record earnings[65]
Oct 8, 2026United BankFlorida expansion announced[66]
Oct 1, 2026CommerceNolan & Associates acquisition completed[67]
Sep 30, 2026FultonContact-centre manager describes Fulton's AI journey with NICE[12]
Sep 29, 2026ValleyRobbins on CNBC: AI agents not a threat to regional banks[68]
Sep 28, 2026ValleyBluevine acquired for $340 million to accelerate the AI roadmap[8][69][70]
Sep 24, 2026FultonSalesforce cites Fulton's Agentforce rollout at Dreamforce[1]
Sep 23, 2026United BankCharleston operations centre opens[71]
Sep 8, 2026WintrustEquipment-finance unit writes on financing the AI boom[72]
Aug 31, 2026CommerceFraud guide says scammers use generative AI[73]
Aug 26, 2026WintrustWintrust insurance banking note: automated credit assessments, AI governance watch[74]
Aug 17, 2026FNB16th for customer reputation[75]
Aug 6, 2026Atlantic UnionSecond-quarter 10-Q repeats the AI risk language[76]
Aug 5, 2026FNBQ2 2026 10-Q: same AI language as the first quarter[77]
Jul 29, 2026Old NationalQ2 2026 10-Q has no AI language[78][79][54]
Jul 22, 2026Old NationalQ2 2026 call: AI for scalability[80]
Jul 21, 2026Atlantic UnionSecond-quarter call: efficiency ratio 47.47%, ten North Carolina branches[81]
Employee AI and agents

How does Fulton's employee AI compare with its peers'?

The assistants, agents and AI teams each bank has named, with the usage it has disclosed. A blank means nothing is disclosed, not that nothing exists.

BankTool or teamUsage or scale disclosedDate
FultonSalesforce Agentforce (Hunter outbound sales agent)3,000 employees six weeks after the first agent; Hunter aimed at $340,000 of at-risk pipelineSeptember 2026[1]
ValleyValley's AI Assistant with five access tiers; a head of AI and data scienceAbout 80 of about 3,600 employees with open AI access; three vendor contracts replacedJuly 2026[10][6]
F.N.B.AI and innovation team; Opportunity IQ lead engineAbout 190,000 leads a quarter from 270 million+ mined transactions; about 80% calledNovember 2025[9]
Old NationalAI coding help; Abrigo Loan Review AssistantLegacy Power BI code cleaned in about a week vs a month; loan reviewers about 31% more efficient (vendor-reported)April and July 2026[19][82]
WintrustAI credit adjudication at Wintrust Specialty FinanceMore than 4,000 deals, roughly $500 million, in the first half of 2026 (reported by Equipment Finance News)August 2026[61]
Rockland TrustOffice of Digital InnovationThree dedicated AI staff in 2026 guidanceJanuary 2026[11][40]
Contact centre and customer AI

How does Fulton's customer-facing AI compare with its peers'?

AI in customer service and digital channels, as each bank describes it.

BankWhat it runsResult or scale disclosedDate
FultonNICE CXone Copilot, Autopilot and Expert; call summarization; an AI chatbot for former Blue Foundry customers3 to 5 minutes saved per call; more than 3 million customer interactions a year supportedNovember 2024 to September 2026[3][2][12][13]
ValleyA voice AI agent calling past-due auto-loan customers; fraud and alert-prioritization toolsIn production per the CEOApril 2026[83]
F.N.B.Insight 360, an AI-enabled aggregation and insight tool in the eStore Common appDue by the end of 2026; more than 50 products in one applicationJuly 2026[84][32]
Atlantic UnionAI screening of calls plannedFrom about 10% of calls reviewed manually to 100%June 2026[14]
CommerceDigital banking and mobile app82% digital penetration; app rated 4.7February 2026[63]
Technology spend and AI governance

How do Fulton's technology spending and AI governance compare?

The technology expense line each bank reports and the AI governance it describes.

BankTechnology expense disclosedAI governance on the recordDate
FultonData processing and software $75.1 million in 2025, down 3.6%Supplier due diligence covers 'ethics and use of AI'; AI is a technology risk in the 10-K; director Scott Snyder credited with AI strategy experienceFebruary to June 2026[5][85][4]
F.N.B.About $1 billion of non-interest expense in 2025, technology includedAI Policy, Data and AI Governance Committee, Board Risk Committee oversight, AI training for all employeesMarch and April 2026[31][86]
Valley$33.2 million technology, furniture and equipment in Q2 2026, up about 8.4%An AI governance, oversight and strategic facilitation functionFebruary and July 2026[87][88]
Old National$29.6 million technology expense in Q2 202618 AI-related terms in the FY2025 10-K against 1 a year earlierFebruary and July 2026[54][89]
WintrustSoftware and equipment $142.4 million in 2025, up 16%Board IT/IS Committee met four times in 20252026[90][91]
CommerceData processing and software $38.2 million in Q2 2026, up 16.2%AI terms only in the 2025 10-K among six filings reviewedAugust 2026[15][92]
Acquisitions and systems conversions

How fast have Fulton and its peers converted acquired banks?

Most of this group grew by acquisition in 2025 and 2026; the conversion is where their technology work has been spent. Dates and figures as each bank reported them.

BankDealConversionWhat the bank disclosed
FultonBlue Foundry Bancorp, $243 million in stock (closed April 1, 2026)Bank merged and systems converted July 11, 2026About three months from closing to conversion; customers gained access to 215-plus financial centers[93][94][25]
Atlantic UnionSandy Spring Bancorp, about $1.3 billion (closed April 1, 2025)Integration completed October 2025More than 80 million data values validated without sampling; call abandonment of 13% against a forecast of 50% to 70%[95][34][14]
Old NationalBremer, $1.4 billion with 70 branchesMajority of systems converted mid-October 2025100% of the $111 million of expected annual cost saves realized by April 2026[55][96][97]
Rockland TrustEnterprise Bancorp, $503.1 million at closing (July 1, 2025)Core upgrade with $5 million to $6 million of one-time costs guided for 2026An Office of Digital Innovation gates AI spending while the core move is prioritized[98][43][40]
ValleyBluevine, about $340 million (announced September 28, 2026)Closing expected in early 2027Deal framed partly as an AI-talent acquisition: about 180 engineering, product and data-science staff[8][69]
The peer group

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

Fulton Financial Corporation is compared here with F.N.B. Corporation, Valley National Bancorp, Atlantic Union Bankshares, United Bankshares, Old National Bancorp, Wintrust Financial Corporation, Independent Bank Corp. (Rockland Trust) and Commerce Bancshares: chosen by the editors for this page (see the note below the table). Fulton Financial Corporation is classed as a regional or retail-commercial bank in the Northeast.

The computed group mixed in banks from Montana, Nebraska and New Jersey's community sector by size alone; this group is drawn entirely from Fulton's own 2025 compensation peer group in its 2026 proxy, nearest first by footprint: the Mid-Atlantic banks (F.N.B., Valley, Atlantic Union, United Bankshares) and then Old National, Wintrust, Independent Bank Corp. (Rockland Trust) and Commerce.

Common questions

Is Fulton better than F.N.B. at AI?

The record cannot settle capability, but F.N.B. has put more on it: 60.2 on this site's disclosure index against Fulton's 44.3. F.N.B. reports 10 AI-enabled fraud tools, an AI and innovation team and machine-learning deposit pricing; Fulton reports vendor AI in its contact centre and 3,000 employees using Salesforce Agentforce agents (September 2026).[9][18][22][12][1]

Does Fulton have an AI virtual assistant for customers?

Not a branded assistant like Erica. Fulton selected NICE CXone Autopilot for omnichannel self-service in December 2024, added chat as a customer channel, and links former Blue Foundry customers to an AI chatbot that it warns may not always have the right answer. Its main AI use is agent assist inside the contact centre.[2][12][13]

Who leads AI at Fulton?

No one is named for AI specifically. Kevin Gremer, chief operations and technology officer since August 2025 (formerly of City National Bank and Capital One), and Angela Sargent, CIO since 2013, run technology. Valley's head of AI and data science, Nickolaus Lachman, previously led Fulton's customer-analytics team.[99][4][6]

How does Fulton's technology spending compare with its peers?

Fulton reported $75.1 million of data processing and software expense in 2025, down 3.6% from 2024. Wintrust reported $142.4 million of software and equipment expense for 2025, up 16%, and Commerce $38.2 million of data processing and software in Q2 2026 alone. None of these banks discloses a separate AI budget.[5][90][15]

How does Fulton compare with Valley on AI?

Valley scores 76.6 on this site's index and Fulton 44.3. Valley names a head of AI, publishes AI strategy slides, reports about $15 million of savings against $3 million to $4 million of new AI spend, and is buying Bluevine for its AI talent and deposits. Fulton reports vendor deployments, chiefly Salesforce Agentforce and NICE.[6][23][7][8][1][2]

Which vendors supply Fulton's AI?

Salesforce (Agentforce agents for 3,000 employees), NICE (CXone Copilot, Autopilot and Expert in the contact centre) and, for core banking and payments rather than AI, Fiserv, whose outsourced platform Fulton chose in 2011. Fulton also expanded a pilot with Palqee Prisma, an AI policy-assurance start-up it mentored in 2025.[1][2][100][85]

Does Fulton disclose AI governance like its peers?

Less than some. Fulton's 2025 CSR report says supplier due diligence covers ethics and use of AI and that AI is used with human oversight, and its 10-K lists AI as a technology risk, but it names no AI committee or policy. F.N.B.'s 2026 proxy names an AI Policy, a Data and AI Governance Committee and Board Risk Committee oversight; Valley describes an AI governance and oversight function in its 10-K.[85][5][86][88]

Peers on this site
FNB AI strategy →How F.N.B. Corporation compares with its peers →Valley AI strategy →How Valley National Bancorp compares with its peers →Atlantic Union AI strategy →How Atlantic Union Bankshares compares with its peers →United Bank AI strategy →How United Bankshares compares with its peers →Old National AI strategy →How Old National Bancorp compares with its peers →Wintrust Financial AI strategy →How Wintrust Financial Corporation compares with its peers →Rockland Trust AI strategy →How Independent Bank Corp. (Rockland Trust) compares with its peers →Commerce AI strategy →How Commerce Bancshares compares with its peers →
Deeper on Fulton
Fulton AI strategy: the full profile →Fulton Financial Corporation competitors and alternatives →Fulton AI profile →Fulton competitors and alternatives →F.N.B. AI profile →Valley AI profile →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  69. Accelerating Valley's National Digital Banking Franchise (Form 8-K Exhibit 99.2)
    Valley National Bancorp (SEC filings) · Sep 28, 2026
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  71. United Bank Opens New Operations Center In Charleston
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  75. Top Banks by Reputation 2026: Customers
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  76. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026
    SEC (EDGAR) · Aug 6, 2026
  77. F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    F.N.B. Corporation (SEC filings) · Aug 5, 2026
  78. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Old National Bancorp (SEC filings) · Jul 29, 2026
  79. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Old National Bancorp (SEC filings) · Apr 29, 2026
  80. Old National Bancorp Q2 Earnings Call Highlights
    Yahoo Finance · Jul 22, 2026
  81. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates
    Investing.com · Jul 21, 2026
  82. Old National Bank increased loan review efficiency and capacity with Abrigo
    Abrigo · Jul 7, 2026
  83. Valley National Bancorp first quarter 2026 earnings release (Form 8-K, Exhibit 99.1)
    Valley National Bancorp (SEC filings) · Apr 23, 2026
  84. F.N.B. Q2 Earnings Call Highlights
    Yahoo Finance · Jul 17, 2026
  85. Our Values in Action: Fulton Bank 2025 Corporate Social Responsibility Report
    Fulton Bank · Jun 15, 2026
  86. F.N.B. Corporation 2026 Proxy Statement (Schedule 14A)
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  87. Valley National Bancorp second quarter 2026 earnings release (Form 8-K, Exhibit 99.1)
    Valley National Bancorp (SEC filings) · Jul 23, 2026
  88. Valley National Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Valley National Bancorp (SEC filings) · Feb 27, 2026
  89. Old National Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Old National Bancorp (SEC filings) · Feb 19, 2026
  90. Wintrust Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Wintrust Financial Corporation (SEC filings) · Feb 26, 2026
  91. Wintrust Financial Corporation 2026 Proxy Statement (DEF 14A)
    Wintrust Financial Corporation (SEC filings) · Apr 9, 2026
  92. Commerce Bancshares, Inc. Annual Report on Form 10-K for 2025
    Commerce Bancshares (SEC filings) · Feb 24, 2026
  93. Fulton to acquire money-losing New Jersey bank for $243M
    American Banker · Nov 24, 2025
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  95. Atlantic Union Bankshares Corporation Completes Acquisition of Sandy Spring Bancorp, Inc.
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  96. Earnings call transcript: Old National Bancorp beats Q3 2025 forecasts
    Investing.com · Oct 22, 2025
  97. Old National (ONB) Q1 2026 Earnings Call Transcript
    Earnings call transcript (The Motley Fool) · Apr 22, 2026
  98. Independent Bank Corp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Independent Bank Corp. (SEC filings) · Feb 27, 2026
  99. Fulton Bank Names Kevin Gremer as Chief Operations and Technology Officer
    Fulton Bank (PR Newswire) · Jul 23, 2025
  100. Fulton Financial Corporation Selects Fiserv
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