Glacier Bancorp vs peers
AI and technology compared

Last updated Oct 19, 2026 · 8 peers · 96 sources cited

How does Glacier Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index Glacier scores 2 (#117 of 120 US banks), eighth in a nine-bank group drawn from its own 2026 proxy peer list, level with First Financial Bankshares (0.9) at the bottom of the group. Columbia leads the group at 63.3, then WaFd (52.3) and First Interstate (51.3), close together, and UMB (47.9). The gap is that Glacier has disclosed no AI deployment, vendor, budget or AI leader. Its 2025 10-K, filed February 25, 2026, treats AI as a risk that 'could significantly disrupt our business model', and its investor decks from August 2025 to February 2026 said a central customer-data warehouse 'sets the stage' for AI, a line dropped from the May and August 2026 decks. Its peers have put customer-facing AI on the record. Columbia's CEO said in April 2026 that an AI assistant had moved support from two human calls per AI chat to three AI chats per human call. WaFd reported in 2024 that its voicebot answered balance inquiries 95% faster and cut calls to live representatives by 45% among voice-enrolled customers. First Interstate, Glacier's closest Montana rival, was one of two institutions running pilots of Fiserv's agentOS when it launched in May 2026. Banner offers a 24/7 virtual assistant. What Glacier has disclosed is integration speed. It converted Bank of Idaho in September 2025 and Guaranty in the first quarter of 2026, and it serves 89 counties across eight states through 18 local divisions on one charter. Its Q2 2026 operating efficiency ratio was 56.21%, against 63.05% in Q1.[1][2][3][4][5][6][7][8][9][10][11][12]

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

Where does Glacier lead its peers on AI?

01

Two acquired banks converted inside seven months

Glacier converted Bank of Idaho's systems in September 2025, about four months after closing, and Guaranty's in the first quarter of 2026, after an October 1, 2025 close; Guaranty's Texas loans still grew more than 6% that quarter. Banner closed Pacific Financial on September 1, 2026 and planned systems integration for November.[1][9][10][13][14]

02

A fuller AI risk disclosure than First Financial Bankshares or Enterprise

Glacier's 2025 10-K gives AI its own risk factor covering business-model disruption, implementation and maintenance costs, reputational harm, AI-enabled attacks and inconsistent state AI rules. First Financial Bankshares' 10-Ks carry one AI risk-factor sentence a year, and Enterprise's 2025 10-K has two AI references, both in risk factors.[1][15][16]

03

More of its own disclosures than most of the group

Glacier scores 18 on its own primary disclosures, third of nine behind Enterprise (26) and Banner (21), largely from decks and filings describing a centralized data warehouse, in-house software development and a dedicated Product Management Organization (October 2025). WaFd scores 9 on the same component.[17][1][18]

Where does Glacier trail its peers on AI?

01

No AI in production while Columbia and WaFd run customer assistants

Glacier describes no AI use in its 2025 annual report or earnings materials. Columbia's AI assistant now handles three chats for every human call (April 2026) and seven AI responses per human one on client messages (September 2026); WaFd's voicebot cut calls to live representatives 45% among voice-enrolled customers.[19][5][20][6]

02

First Interstate is piloting agents in Glacier's home state

Fiserv named First Interstate, based in Billings, Montana, one of two institutions running agentOS pilots at launch on May 14, 2026, and among six banks co-developing agents. Glacier, also a Montana bank, has named no AI vendor; its only disclosed fintech-infrastructure investment is the Cari tokenized-deposit network (September 2026).[7][21][22]

03

No AI leader, while WaFd and First Interstate hire digital executives

Glacier's information technology sits under its chief experience officer, Lee Groom, since November 2024, and no AI officer is named. First Interstate hired Seacoast's former chief digital officer, Jeff Lee, as chief operations officer in September 2026 and added former Microsoft COO Kevin Turner to its board in July 2026.[23][24][25][26]

04

The AI line left the investor deck

Glacier's August 2025, October 2025 and February 2026 decks said its data warehouse 'sets the stage' for AI; the May and August 2026 decks drop the line. Glacier places eighth of nine on dated AI moves in the last 12 months (14 against a median of 16); First Interstate leads with 21.[2][17][3][4][18]

Where does Glacier 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
Columbia Banking System63.3#45 of 120101415 of 1616Integration-built infrastructure, not a disclosed AI platform[27][28][29][30][5][31][32]
WaFd, Inc.52.3#55 of 120899 of 1318Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent[33][34][35][6][36]
First Interstate BancSystem51.3#56 of 1207175 of 1121Fiserv agentOS pilot and the 'one clean data source' project[21][37]
UMB Financial47.9#61 of 1207149 of 1016Integration first: the Heartland systems conversion[38][39][40]
Banner Corporation36.7#80 of 1203219 of 1215Digital platform and AI capability investments; Banner Virtual Assistant[41][8]
Enterprise Financial Services Corp34.4#83 of 12012610 of 1316Automation journey on the existing technology framework[42][43][44][45]
Bank OZK29.5#89 of 1205154 of 818Not disclosed
Glacier Bancorp (this page)2#117 of 1203187 of 1014Not disclosed
First Financial Bankshares0.9#120 of 1202170 of 112Not disclosed

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

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

Component (weight)GlacierPeer medianMost in the groupPlace
Independent sources (45%)36Columbia (10)6th of 9
Use cases in production (10%)79Columbia (15)6th of 9
Own primary disclosures (10%)1816Enterprise Bank & Trust (26)3rd of 9
Dated moves, last 12 months (10%)1416First Interstate (21)8th of 9
Disclosed numbers (5%)1212.5First Interstate (15)5th of 9
Named AI leaders (5%)68.5Columbia (13)6th of 9
Use cases described (5%)1011.5Columbia (16)6th of 9

What has each bank in Glacier'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
Glacier BancorpNot disclosed6, incl. Randy Chesler (President and CEO)[11][46]Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025)[1]Not disclosedNot surveyed
First Interstate BancSystemFiserv agentOS pilot and the 'one clean data source' project[21][37]9, incl. Jim Reuter (President and CEO)[21][47]Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026)[21]Not disclosedNot surveyed
Columbia Banking SystemIntegration-built infrastructure, not a disclosed AI platform[27][28][29][30][5][31][32]13, incl. Clint Stein (President and CEO, Columbia Banking System)[27][30]Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026)[5][48]Not disclosed1 open AI roles (Sep 24, 2026); most in ML & data science
Banner CorporationDigital platform and AI capability investments; Banner Virtual Assistant[41][8]6, incl. Mark J. Grescovich (President and CEO)[49][41]Banner Virtual Assistant availability: 24 hours a day, 7 days a week; staff 7 a.m. to 7 p.m. PT weekdays by phone (Sep 24, 2026)[8]Not disclosed1 open AI roles (Sep 24, 2026); most in AI security
WaFd, Inc.Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent[33][34][35][6][36]8, incl. Brent Beardall (President and CEO)[50][33][51]Software development pace with AI assistance: > 2x (Apr 17, 2026)[35]Not disclosedNot surveyed
UMB FinancialIntegration first: the Heartland systems conversion[38][39][40]11, incl. Mariner Kemper (Chairman and CEO)[52][39]Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026)[53][54][55][56]Not disclosedNot surveyed
Enterprise Financial Services CorpAutomation journey on the existing technology framework[42][43][44][45]5, incl. James B. Lally (President and CEO)[57][58]Not disclosedNot disclosedNot surveyed
First Financial BanksharesNot disclosed6, incl. David Bailey (President and CEO)[59][60]Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025)[15]Not disclosedNot surveyed
Bank OZKNot disclosed9, incl. George Gleason (Chairman and CEO)[61][62]Full-time-equivalent employees: About 3,280 (3,028 a year earlier) (Dec 31, 2025)[63][64]5 patents listed on the profile, e.g. US 2015/0348186 A1 (Customer acquisition probability and risk-adjusted return-on-equity analysis)[65]0 open AI roles (Sep 24, 2026)

What are the latest dated moves on the AI record of Glacier 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, 2026WaFd BankQ4 FY2026 call: EverBank merger, no AI update[66]
Sep 29, 2026First Financial BanksharesFirst full-service Austin-area branch[67]
Sep 15, 2026ColumbiaBarclays conference: AI answers most client messages[20]
Sep 10, 2026WaFd BanknCino: WaFd piloting Analyst Digital Partner for credit risk[68]
Sep 2, 2026GlacierGlacier Bank invests in the Cari tokenised-deposit network[22]
Sep 1, 2026Banner BankPacific Financial acquisition completed[14]
Aug 31, 2026Bank OZKU.S. Bank hires from Bank OZK for its Sun Belt push[69]
Aug 21, 2026First InterstateJeff Lee named chief operations officer[25][70]
Aug 20, 2026UMB'Playing with the big boys'[71]
Aug 6, 2026Enterprise Bank & TrustFirst banking partner in the AppFolio Stack Marketplace[72]
Aug 4, 2026First Financial BanksharesSecond-quarter 10-Q has no AI reference[73]
Aug 4, 2026Banner BankQ2 2026 10-Q: IT and data services expense up 26%[74]
Aug 4, 2026ColumbiaSecond-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation[75]
Aug 4, 2026GlacierQ2 2026 10-Q repeats the AI risk language[76]
Aug 3, 2026Enterprise Bank & TrustMicrosoft Copilot course for clients[44]
Aug 3, 2026First InterstateQ2 2026 10-Q: no material change to risk factors[77]
Jul 30, 2026UMBQ2 2026 10-Q has no AI language[78]
Jul 22, 2026Bank OZKGleason sizes the RESG and CIB books[79]

Which of Glacier's peers have customer-facing AI, and what has Glacier disclosed?

The customer-facing AI or digital tool each bank has described, with any result it reported. A blank means nothing is disclosed, not that nothing exists.

BankAssistant or toolResult disclosedDate
GlacierNone disclosed; authenticator-app login (GAuth) and cash-management guides for ACH and wiresNoneFebruary 2024; July 2025[80][81][19]
ColumbiaAI assistant for customer support; about three AI applications for agents and customersSupport mix moved from 2 human calls per AI chat to 3 AI chats per human call; 30% more customers with flat call-centre staffApril and September 2026[5][20]
WaFdVoicebot; an AI call-centre agent under its Build 2030 planBalance inquiries 95% faster; 45% fewer calls to live representatives among voice-enrolled customersAugust 2024; 2026[6][33]
BannerBanner Virtual AssistantAvailable 24 hours a day, 7 days a weekSeptember 2026[8]
First InterstateFiserv agentOS pilot; automated treasury-management enrollment (Prolific On-Ramp)One of two agentOS pilots at launchMay 2026[7][82]
EnterpriseMicrosoft Copilot course for clients; AppFolio marketplace integrationFirst banking partner in the AppFolio Stack MarketplaceAugust 2026[44][72]

How do Glacier's technology foundations and leadership compare?

What each bank has said about its data or core platform and who runs technology.

BankPlatform or foundationTechnology leadershipDate
GlacierOne charter on one technology platform; a centralized data warehouse holding all key customer data; in-house software developmentLee Groom, EVP and chief experience officer, oversees IT; Mark MacMillan, CIOOctober 2025 to August 2026[17][18][23][19]
First InterstateA 'one clean data source' project alongside the Fiserv agentOS pilotJeff Lee, COO from September 2026 (ex-Seacoast chief digital officer)May and September 2026[37][25]
Columbia83 platforms and solutions using some form of AI; AI used to validate data fields in the Pacific Premier conversionChief administrative officer Drew Anderson presented AI at BarclaysJuly 2025; April and September 2026[32][5][20]
WaFdAI-assisted software development at more than twice the pace; nCino credit-analysis agent pilotBuild 2030 digital-focus pillarApril and September 2026[35][68][33]
UMBIntegration first: the Heartland deal targeted about $124 million of cost savings; AI mentions in the 10-K up from 1 (FY2024) to 7 (FY2025)Board Risk Committee has AI in its remitJuly 2025; March 2026[39][83][84][85]
BannerNew commercial loan origination system ($924,000 write-off of the old one)A generative-AI policy and Fintech Council vettingJuly 2026[86][87]

How do Glacier and its peers treat AI and technology spend in their filings?

Technology expense where the bank reports it, and how much AI language its filings carry.

BankTechnology expense or efficiencyAI in filingsDate
GlacierOperating efficiency ratio 56.21% in Q2 2026 (63.05% in Q1); quarterly expense guided at $187 million to $192 millionA dedicated AI risk factor in the 2025 10-K; AI only as a forward-looking risk in the 2026 10-QsFebruary to August 2026[12][1][76]
BannerInformation and computer data services $33.1 million in 2025, up 13%; $10.3 million in Q2 2026AI named only among forward-looking risk factors in the 2026 10-Qs2026[88][74]
UMBOperating efficiency ratio 48.1% in Q2 20267 mentions of AI in the FY2025 10-K, 0 in the 2026 10-QsJuly 2026[89][84][78]
First Financial BanksharesEfficiency ratio 45.94% in Q2 2026One AI risk-factor sentence in each 10-K from 2023 to 2025; none in the 2026 10-QsAugust 2026[60][90][91][15][73]
EnterpriseCore efficiency ratio 59.3% in 2025Two AI references in the 2025 10-K, none in the Q2 2026 10-QJuly 2026[16][92]

How do Glacier's acquisition conversions compare with its peers'?

Most of this group grew by acquisition in 2025 and 2026. Where a bank has said how technology or AI was used in the conversion, it is noted.

BankDealConversionTechnology or AI noted
GlacierBank of Idaho (closed April 30, 2025); Guaranty Bancshares, $476 million (closed October 1, 2025)September 2025; first quarter 2026Guaranty given Glacier's automated commercial loan processing system; not described as AI[1][11][9][10]
ColumbiaPacific Premier, $2 billion (closed August 31, 2025)Converted in the first quarter of 2026; cost-savings target beaten by $5 million (June 30, 2026)AI automated the review and validation of thousands of data fields[93][28][5][94]
UMBHeartland, $2 billion; branches from 93 to 193Merger costs down to $1.7 million in Q2 2026None on the record; AI discussed on one of four calls from Q3 2025 to Q2 2026[38][56][55]
BannerPacific Financial, about $177 million in stock (closed September 1, 2026)Systems integration planned for November 2026A new commercial loan origination system automating back-office steps[95][14][86]
WaFd$3.9 billion reverse merger with EverBank (announced September 7, 2026)Closing expected in the first quarter of 2027; 27 integration workstreamsCore, accounting and HR system decisions advanced[51][96]

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

Glacier Bancorp is compared here with First Interstate BancSystem, Columbia Banking System, Banner Corporation, WaFd, Inc., UMB Financial, Enterprise Financial Services Corp, First Financial Bankshares and Bank OZK: chosen by the editors for this page (see the note below the table). Glacier Bancorp is classed as a regional or retail-commercial bank in the West.

The computed group mixed in Hawaii banks, a California Chinese-American bank and Fulton in Pennsylvania; this group is drawn from Glacier's own 2026 proxy compensation peer group, which it describes as companies of comparable size and business model 'with which we may compete', nearest first by footprint: First Interstate in Montana, the Washington banks Columbia, Banner and WaFd, then UMB, Enterprise, First Financial Bankshares in Texas and Bank OZK.

Does Glacier Bank use AI?

Not on the public record. Glacier's 2025 annual report and earnings materials describe no AI use, vendor, budget or AI leader; AI appears in its 10-K as a risk and, until early 2026, in an investor-deck line saying its central data warehouse 'sets the stage' for AI. Its disclosed technology is an automated commercial loan processing system and authentication tools.[19][1][3][9][80]

Is First Interstate ahead of Glacier on AI?

On the record, yes: First Interstate scores 51.3 on this site's disclosure index against Glacier's 2. Fiserv named it one of two institutions piloting agentOS at launch in May 2026, and it is working on a 'one clean data source' project. Both banks are based in Montana; neither discloses an AI budget.[7][37][19]

Which bank has the best AI assistant, Glacier or Columbia?

Glacier has no customer AI assistant on the record. Columbia's CEO said in April 2026 that its AI assistant moved support from two human calls per AI chat to three AI chats per human call, and its chief administrative officer said in September 2026 that client messages get seven AI-agent responses for every human one. This is disclosure, not a quality ranking.[19][5][20]

How does Glacier compare with WaFd on technology?

WaFd scores 52.3 on this site's index and Glacier 2. WaFd reports a voicebot that cut calls to live representatives by 45% among voice-enrolled customers, AI-assisted coding at more than twice the pace and an nCino credit-analysis agent pilot. Glacier reports systems conversions and a centralized data warehouse but no AI use.[6][35][68][17]

Who runs technology at Glacier?

Lee Groom, executive vice president and chief experience officer, has overseen the information technology function since November 1, 2024, reporting to CEO Randy Chesler. Mark MacMillan is chief information officer. Cyber risk is reviewed by a Strategic Technology Committee and reported quarterly to the board's Risk Oversight Committee; no AI committee is named.[23][19][1][24]

What does Glacier's 10-K say about AI?

That AI 'presents risks and challenges that could significantly disrupt our business model', including implementation and maintenance costs and operational failures, that bad actors' use of AI raises security threats, that state AI rules in its markets may conflict, and that models face emerging risks from applications relying on AI (2025 10-K, filed February 25, 2026).[1]

Is Glacier behind on AI because it grows by acquisition?

The record shows the two together but does not prove cause. Glacier has done 26 bank deals since 2000 and spent 2025 and early 2026 converting Bank of Idaho and Guaranty, with no AI program disclosed. Columbia, also an acquirer, says it used AI to validate data fields in its Pacific Premier conversion and reports customer-support AI results.[46][9][10][19][5]

  1. Glacier Bancorp, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Glacier Bancorp (SEC filings) · Feb 25, 2026
  2. Glacier Bancorp investor presentation, second quarter 2025 (Form 8-K, Exhibit 99.1)
    Glacier Bancorp (SEC filings) · Aug 15, 2025
  3. Glacier Bancorp investor presentation, fourth quarter 2025 (Form 8-K, Exhibit 99.1)
    Glacier Bancorp (SEC filings) · Feb 5, 2026
  4. Glacier Bancorp investor presentation, May 2026 (Form 8-K, Exhibit 99.1)
    Glacier Bancorp (SEC filings) · May 5, 2026
  5. Columbia (COLB) Q1 2026 Earnings Call Transcript
    Yahoo Finance · Apr 23, 2026
  6. Archway Software and WaFd Bank Modernize the Banking Experience Using AWS
    Amazon Web Services · Aug 14, 2024
  7. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking
    Fiserv (GlobeNewswire) · May 14, 2026
  8. Banner Virtual Assistant
    Banner Bank · Sep 24, 2026
  9. Glacier Bancorp (GBCI) Q4 2025 Earnings Transcript (call held 23 January 2026; transcript posted 21 April 2026)
    earnings call transcript (The Motley Fool) · Apr 21, 2026
  10. Glacier Bancorp, Inc. Announces Results for the Quarter Ended March 31, 2026 (Form 8-K, Exhibit 99.1)
    Glacier Bancorp (SEC filings) · Apr 23, 2026
  11. Glacier Bancorp to acquire Texas bank in $476 million deal
    American Banker · Jun 25, 2025
  12. Earnings call transcript: Glacier Bancorp posts Q2 2026 profit beat
    Investing.com · Jul 24, 2026
  13. Glacier Bancorp (GBCI) Q1 2026 Earnings Transcript
    earnings call transcript (The Motley Fool) · Apr 24, 2026
  14. Banner Corporation Completes Acquisition of Pacific Financial Corporation (Form 8-K, Exhibit 99.1)
    Banner Corporation (SEC filings) · Sep 1, 2026
  15. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025
    First Financial Bankshares (SEC filing) · Feb 25, 2026
  16. Enterprise Financial Services Corp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Enterprise Financial Services Corp (SEC filings) · Feb 27, 2026
  17. Glacier Bancorp investor presentation, third quarter 2025 (Form 8-K, Exhibit 99.1)
    Glacier Bancorp (SEC filings) · Oct 29, 2025
  18. Glacier Bancorp investor presentation, August 2026 (Form 8-K, Exhibit 99.1)
    Glacier Bancorp (SEC filings) · Aug 3, 2026
  19. Glacier Bancorp 2025 Annual Report
    SEC EDGAR · Mar 12, 2026
  20. Columbia Banking System at Barclays conference: discipline drives gains
    Investing.com · Sep 15, 2026
  21. Fiserv has co-created AI agents with six banks and OpenAI
    American Banker · May 14, 2026
  22. Cari Raises Over $30 Million in First Tranche of Initial Funding Round, Backed Entirely by Banks
    Cari via Business Wire (Morningstar) · Sep 2, 2026
  23. Glacier Bancorp, Inc. Form 8-K, Item 5.02: appointment of Ryan Screnar and Lee Groom
    Glacier Bancorp (SEC filings) · Nov 5, 2024
  24. Glacier Bancorp, Inc. 2026 proxy statement (Form DEF 14A)
    Glacier Bancorp (SEC filings) · Mar 12, 2026
  25. First Interstate BancSystem Form 8-K (Item 5.02: appointment of Chief Operations Officer)
    First Interstate BancSystem (SEC filings) · Aug 21, 2026
  26. First Interstate BancSystem Form 8-K (Item 5.02: appointment of directors)
    First Interstate BancSystem (SEC filings) · Jul 16, 2026
  27. Columbia CEO: Latest merger will avoid snags of the last one
    American Banker · Apr 28, 2025
  28. Columbia Banking System, Inc. Reports First Quarter 2026 Results
    PR Newswire via FT Markets · Apr 23, 2026
  29. 2026 Columbia Bank Business Barometer: U.S. Small and Midsize Businesses Poised for Growth, Waiting to Make Significant Moves
    PR Newswire via FT Markets · Jun 25, 2026
  30. Columbia eschews more M&A amid activist investor heat
    American Banker · Oct 31, 2025
  31. Third Quarter 2025 Investor Presentation (Form 8-K, Exhibit 99.2)
    Columbia Banking System (SEC filings) · Oct 30, 2025
  32. Columbia Bank (COLB) Q2 2025 earnings call transcript
    earnings call transcript (The Motley Fool) · Jul 24, 2025
  33. WaFd Bank Investor Presentation, June 2026
    WaFd, Inc. · Jul 27, 2026
  34. WAFD Q1 Deep Dive: Loan Growth and Deposit Initiatives Drive Outperformance
    StockStory (Yahoo Finance) · Apr 17, 2026
  35. WaFd (WAFD) Q2 2026 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Apr 17, 2026
  36. nSight 2026 Recap: AI in Banking Moves from Strategy to Delivery
    nCino · May 29, 2026
  37. First Interstate BancSystem Q1 Earnings Call Highlights
    MarketBeat (Yahoo Finance) · Apr 30, 2026
  38. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank
    American Banker · Sep 24, 2025
  39. UMB's post-acquisition systems conversion set for October
    American Banker · Jul 30, 2025
  40. AI POV: Impacts on the markets and what the future may hold
    UMB Financial · Mar 2, 2026
  41. BANR Q1 Deep Dive: Deposit Growth, Margin Resilience, and Strategic Positioning
    StockStory (Yahoo Finance) · Apr 23, 2026
  42. Enterprise Financial Services C (EFSCP) Q2 FY2026 earnings call transcript
    Yahoo Finance · Jul 23, 2026
  43. Why AI Is a CEO's Business Imperative
    Enterprise Bank & Trust (Enterprise University) · Mar 3, 2026
  44. Microsoft Copilot: Transforming Everyday Work
    Enterprise Bank & Trust (Enterprise University) · Aug 3, 2026
  45. Automation, Efficiency & Resilience: How Privately Held Businesses Can Seize Opportunity in 2026
    Enterprise Bank & Trust · Dec 17, 2025
  46. Glacier in Montana takes prolific acquisition strategy to Idaho
    American Banker · Jan 14, 2025
  47. Why one regional bank is shrinking after years of rapid growth
    American Banker · Feb 5, 2026
  48. Columbia Banking System Q1 Earnings Call Highlights
    MarketBeat via Yahoo Finance · Apr 23, 2026
  49. Banner Corporation to Acquire Pacific Financial Corporation
    Banner Corporation · Apr 30, 2026
  50. WaFd Announces Quarterly Earnings Per Share of $0.84
    WaFd, Inc. · Jul 16, 2026
  51. WaFd, Inc. Enters into a $3.9 Billion Reverse Merger Transaction with EverBank Financial Corp (Form 8-K, Exhibit 99.1)
    WaFd, Inc. (SEC filings) · Sep 7, 2026
  52. UMB CEO takes 'measured' tone on M&A
    Banking Dive · Jan 29, 2026
  53. UMB Financial Q3 2025 Earnings Call Transcript
    The Motley Fool (earnings call transcript) · Jan 26, 2026
  54. UMB (UMBF) Q4 2025 Earnings Call Transcript
    The Motley Fool (earnings call transcript) · Apr 21, 2026
  55. UMB Financial (UMBF) Q1 2026 Earnings Transcript
    The Motley Fool (Yahoo Finance) · Apr 29, 2026
  56. Earnings call transcript: UMB Financial tops Q2 2026 estimates as shares rise
    Investing.com (earnings call transcript) · Jul 29, 2026
  57. Enterprise Financial Services Corp Reports Second Quarter 2026 Results
    Enterprise Financial Services Corp (Business Wire via Yahoo Finance) · Jul 22, 2026
  58. Enterprise Financial Services Q2 Earnings Call Highlights
    MarketBeat (Yahoo Finance) · Jul 23, 2026
  59. First Financial Bankshares, Inc. Form 8-K (CEO transition), January 27, 2026
    First Financial Bankshares (SEC filing) · Jan 28, 2026
  60. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS
    First Financial Bankshares (PR Newswire) · Jul 16, 2026
  61. Bank OZK says spike in charge-offs is no cause for alarm
    American Banker · Jan 21, 2026
  62. Bank OZK Announces First Quarter 2026 Earnings
    Bank OZK · Apr 21, 2026
  63. Bank OZK 2025 Annual Report (including Annual Report on Form 10-K)
    Bank OZK · Feb 25, 2026
  64. Bank OZK Fourth Quarter and Full Year 2024 Management Comments
    Bank OZK · Jan 16, 2025
  65. US20150348186A1: System and method for dynamic customer acquisition probability and risk-adjusted return-on-equity analysis
    Google Patents (USPTO) · Dec 3, 2015
  66. Earnings call transcript: WaFd Q4 2026 profit misses, revenue beats
    Investing.com (earnings call transcript) · Oct 16, 2026
  67. 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
  68. How AI in Commercial Lending Cuts the Two-Day Review
    nCino · Sep 10, 2026
  69. U.S. Bank's business banking expansion targets the Sun Belt
    American Banker · Aug 31, 2026
  70. First Interstate BancSystem Form 8-K (Item 5.02: Chief Operations Officer employment agreement)
    First Interstate BancSystem (SEC filings) · Sep 16, 2026
  71. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead
    CNBC · Aug 20, 2026
  72. Enterprise Bank & Trust Enhances Property Management Client Service Through AppFolio Stack App Partnership
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