# Fulton Financial Corporation vs peers: AI and technology compared

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

*Part of the [Fulton Financial Corporation AI strategy profile](https://www.bankingnewsai.com/banks/fulton). Peer group: F.N.B. Corporation, Valley National Bancorp, Atlantic Union Bankshares, United Bankshares, Old National Bancorp, Wintrust Financial Corporation, Independent Bank Corp. (Rockland Trust), Commerce Bancshares.*

## 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. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm))

## Where does Fulton lead its peers on AI?

- **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. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524))
- **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. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers), [Fulton Bank](https://www.fultonbank.com/WelcomeBlueFoundry), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking))
- **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. ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000022/wtfc-20260630.htm))

## Where does Fulton trail its peers on AI?

- **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. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918))
- **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). ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html))
- **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. ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000033/fult-20260630.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fnb-tops-eps-view-in-q2-2026-shares-slip-93CH-4798633), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm))
- **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. ([Valley National Bank via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609090800BIZWIRE_USPRX____20260909_BW172254-1), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | [76.6](https://www.bankingnewsai.com/banks/ai-index) | #26 of 120 | [11](https://www.bankingnewsai.com/banks/valley#sources) | [22](https://www.bankingnewsai.com/banks/valley#sources) | [13 of 17](https://www.bankingnewsai.com/banks/valley#where) | [22](https://www.bankingnewsai.com/banks/valley#timeline) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [Fulton Financial Corporation (this page)](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | [38.1](https://www.bankingnewsai.com/banks/ai-index) | #76 of 120 | [8](https://www.bankingnewsai.com/banks/wintrust#sources) | [16](https://www.bankingnewsai.com/banks/wintrust#sources) | [7 of 9](https://www.bankingnewsai.com/banks/wintrust#where) | [16](https://www.bankingnewsai.com/banks/wintrust#timeline) | Not disclosed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #86 of 120 | [3](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [20](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [3 of 10](https://www.bankingnewsai.com/banks/rockland-trust#where) | [20](https://www.bankingnewsai.com/banks/rockland-trust#timeline) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | [2](https://www.bankingnewsai.com/banks/ai-index) | #116 of 120 | [3](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [25](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [5 of 8](https://www.bankingnewsai.com/banks/united-bankshares#where) | [13](https://www.bankingnewsai.com/banks/united-bankshares#timeline) | Not disclosed |

## 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) | Fulton | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 6 | 7 | [Valley (11)](https://www.bankingnewsai.com/banks/valley) | 5th of 9 |
| Use cases in production (10%) | 10 | 6.5 | [Valley (13)](https://www.bankingnewsai.com/banks/valley) | 2nd of 9 |
| Own primary disclosures (10%) | 23 | 21.5 | [FNB (25)](https://www.bankingnewsai.com/banks/fnb) | 3rd of 9 |
| Dated moves, last 12 months (10%) | 17 | 18.5 | [Valley (22)](https://www.bankingnewsai.com/banks/valley) | 6th of 9 |
| Disclosed numbers (5%) | 13 | 14 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 6th of 9 |
| Named AI leaders (5%) | 8 | 8.5 | [Valley (14)](https://www.bankingnewsai.com/banks/valley) | 5th of 9 |
| Use cases described (5%) | 12 | 11 | [Valley (17)](https://www.bankingnewsai.com/banks/valley) | 4th of 9 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#roles) |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) | [14, incl. Ira Robbins (Chairman and CEO)](https://www.bankingnewsai.com/banks/valley#people) ([Valley National Bancorp](https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf)) | Vendor contracts being replaced by AI: 3 (Jul 10, 2026) ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) | Not disclosed | Not surveyed |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [6, incl. Richard M. Adams Jr. (Chief Executive Officer)](https://www.bankingnewsai.com/banks/united-bankshares#people) ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-celebrates-187-years-of-service.html)) | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) | Not disclosed | Not surveyed |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#roles) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [10, incl. Tim Crane (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/wintrust#people) ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html)) | 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) ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | Not disclosed | [1 open AI roles (Oct 5, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/wintrust#roles) |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) | [5, incl. Jeffrey Tengel (Chief Executive Officer)](https://www.bankingnewsai.com/banks/rockland-trust#people) ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html)) | Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/rockland-trust#roles) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Q3 2026 call: core upgrade moved to February 2027; early AI applications in beta ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Third-quarter 2026 results: record earnings ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20261014247987/en/Independent-Bank-Corp.-Reports-Third-Quarter-Net-Income-of-%2489.7-Million)) |
| Oct 8, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| Oct 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| Sep 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 29, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| Sep 28, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Bluevine acquired for $340 million to accelerate the AI roadmap ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banking Dive](https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 23, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Charleston operations centre opens ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html)) |
| Sep 8, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 26, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Wintrust insurance banking note: automated credit assessments, AI governance watch ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/08/insurance-banking-rundown.html)) |
| Aug 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 6, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 5, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm)) |
| Jul 29, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |
| Jul 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## 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.

| Bank | Tool or team | Usage or scale disclosed | Date |
| --- | --- | --- | --- |
| Fulton | Salesforce Agentforce (Hunter outbound sales agent) | 3,000 employees six weeks after the first agent; Hunter aimed at $340,000 of at-risk pipeline | September 2026 ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Valley | Valley's AI Assistant with five access tiers; a head of AI and data science | About 80 of about 3,600 employees with open AI access; three vendor contracts replaced | July 2026 ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman)) |
| F.N.B. | AI and innovation team; Opportunity IQ lead engine | About 190,000 leads a quarter from 270 million+ mined transactions; about 80% called | November 2025 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) |
| Old National | AI coding help; Abrigo Loan Review Assistant | Legacy Power BI code cleaned in about a week vs a month; loan reviewers about 31% more efficient (vendor-reported) | April and July 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/)) |
| Wintrust | AI credit adjudication at Wintrust Specialty Finance | More than 4,000 deals, roughly $500 million, in the first half of 2026 (reported by Equipment Finance News) | August 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) |
| Rockland Trust | Office of Digital Innovation | Three dedicated AI staff in 2026 guidance | January 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html)) |

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

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

| Bank | What it runs | Result or scale disclosed | Date |
| --- | --- | --- | --- |
| Fulton | NICE CXone Copilot, Autopilot and Expert; call summarization; an AI chatbot for former Blue Foundry customers | 3 to 5 minutes saved per call; more than 3 million customer interactions a year supported | November 2024 to September 2026 ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Fulton Bank](https://www.fultonbank.com/WelcomeBlueFoundry)) |
| Valley | A voice AI agent calling past-due auto-loan customers; fraud and alert-prioritization tools | In production per the CEO | April 2026 ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000020/exhibit991earningsrelease0.htm)) |
| F.N.B. | Insight 360, an AI-enabled aggregation and insight tool in the eStore Common app | Due by the end of 2026; more than 50 products in one application | July 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-q2-earnings-150341871.html), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| Atlantic Union | AI screening of calls planned | From about 10% of calls reviewed manually to 100% | June 2026 ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| Commerce | Digital banking and mobile app | 82% digital penetration; app rated 4.7 | February 2026 ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |

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

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

| Bank | Technology expense disclosed | AI governance on the record | Date |
| --- | --- | --- | --- |
| Fulton | Data 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 experience | February to June 2026 ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm)) |
| F.N.B. | About $1 billion of non-interest expense in 2025, technology included | AI Policy, Data and AI Governance Committee, Board Risk Committee oversight, AI training for all employees | March and April 2026 ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm)) |
| Valley | $33.2 million technology, furniture and equipment in Q2 2026, up about 8.4% | An AI governance, oversight and strategic facilitation function | February and July 2026 ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/exhibit991earningsrelease0.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm)) |
| Old National | $29.6 million technology expense in Q2 2026 | 18 AI-related terms in the FY2025 10-K against 1 a year earlier | February and July 2026 ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm)) |
| Wintrust | Software and equipment $142.4 million in 2025, up 16% | Board IT/IS Committee met four times in 2025 | 2026 ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000110465926041498/tm261521-1_def14a.htm)) |
| Commerce | Data processing and software $38.2 million in Q2 2026, up 16.2% | AI terms only in the 2025 10-K among six filings reviewed | August 2026 ([Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000069/cbsh-20251231.htm)) |

## 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.

| Bank | Deal | Conversion | What the bank disclosed |
| --- | --- | --- | --- |
| Fulton | Blue Foundry Bancorp, $243 million in stock (closed April 1, 2026) | Bank merged and systems converted July 11, 2026 | About three months from closing to conversion; customers gained access to 215-plus financial centers ([American Banker](https://americanbanker.com/news/fulton-to-acquire-money-losing-new-jersey-bank-for-243m), [Fulton Financial (PR Newswire)](https://prnewswire.com/news-releases/fulton-financial-corporation-completes-acquisition-of-blue-foundry-bancorp-302731367.html), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-)) |
| Atlantic Union | Sandy Spring Bancorp, about $1.3 billion (closed April 1, 2025) | Integration completed October 2025 | More than 80 million data values validated without sampling; call abandonment of 13% against a forecast of 50% to 70% ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/195/atlantic-union-bankshares-corporation-completes-acquisition), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| Old National | Bremer, $1.4 billion with 70 branches | Majority of systems converted mid-October 2025 | 100% of the $111 million of expected annual cost saves realized by April 2026 ([American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-old-national-bancorp-beats-q3-2025-forecasts-93CH-4302279), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/22/old-national-onb-q1-2026-earnings-transcript/)) |
| Rockland Trust | Enterprise Bancorp, $503.1 million at closing (July 1, 2025) | Core upgrade with $5 million to $6 million of one-time costs guided for 2026 | An Office of Digital Innovation gates AI spending while the core move is prioritized ([Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000058/indb-20251231.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html)) |
| Valley | Bluevine, about $340 million (announced September 28, 2026) | Closing expected in early 2027 | Deal framed partly as an AI-talent acquisition: about 180 engineering, product and data-science staff ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm)) |

## 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). ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fnb-tops-eps-view-in-q2-2026-shares-slip-93CH-4798633), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/))

### 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. ([NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents), [Fulton Bank](https://www.fultonbank.com/WelcomeBlueFoundry))

### 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. ([Fulton Bank (PR Newswire)](https://www.prnewswire.com/news-releases/fulton-bank-names-kevin-gremer-as-chief-operations-and-technology-officer-302512232.html), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000120677426000176/fult4500571-def14a.htm), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman))

### 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. ([Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm))

### 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. ([American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot))

### 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. ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [Fiserv](https://investors.fiserv.com/node/24356/pdf), [Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf))

### 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. ([Fulton Bank](https://www.fultonbank.com/-/media/Files/About-Fulton-Bank/CSR/2025-CSR-Report.pdf), [Fulton Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/700564/000070056426000006/fult-20251231.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000017/vly-20251231.htm))

## Peers on this site

- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Independent Bank Corp. (Rockland Trust) AI strategy](https://www.bankingnewsai.com/banks/rockland-trust) · [vs peers](https://www.bankingnewsai.com/banks/rockland-trust/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)

## Sources

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68. Valley National CEO Ira Robbins: AI agents not a threat to regional banks — CNBC, Sep 29, 2026. https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html
69. Accelerating Valley's National Digital Banking Franchise (Form 8-K Exhibit 99.2) — Valley National Bancorp (SEC filings), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm
70. Valley National Bank to acquire fintech Bluevine for $340M — Banking Dive, Sep 28, 2026. https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/
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