# Glacier Bancorp vs peers: AI and technology compared

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

*Part of the [Glacier Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/glacier). Peer group: First Interstate BancSystem, Columbia Banking System, Banner Corporation, WaFd, Inc., UMB Financial, Enterprise Financial Services Corp, First Financial Bankshares, Bank OZK.*

## 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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000094/investorpresentation0630.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000005/investorslides123125.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000058/exhibit991investorslides.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/glacier-bancorp-gbci-q4-2025-earnings-transcript), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm), [American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-glacier-bancorp-posts-q2-2026-profit-beat-93CH-4812214))

## Where does Glacier lead its peers on AI?

- **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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/glacier-bancorp-gbci-q4-2025-earnings-transcript), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/24/glacier-bancorp-gbci-q1-2026-earnings-transcript), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm))
- **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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm))
- **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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000113/investorpresentation0930.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000065/exhibit991investorslides.htm))

## Where does Glacier trail its peers on AI?

- **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. ([SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/))
- **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). ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks))
- **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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867124000102/gbci-20241030.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000030/gbci-20260312.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000078/fibk-20260713.htm))
- **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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000094/investorpresentation0630.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000113/investorpresentation0930.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000005/investorslides123125.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000058/exhibit991investorslides.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000065/exhibit991investorslides.htm))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | [63.3](https://www.bankingnewsai.com/banks/ai-index) | #45 of 120 | [10](https://www.bankingnewsai.com/banks/columbia#sources) | [14](https://www.bankingnewsai.com/banks/columbia#sources) | [15 of 16](https://www.bankingnewsai.com/banks/columbia#where) | [16](https://www.bankingnewsai.com/banks/columbia#timeline) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | [52.3](https://www.bankingnewsai.com/banks/ai-index) | #55 of 120 | [8](https://www.bankingnewsai.com/banks/wafd#sources) | [9](https://www.bankingnewsai.com/banks/wafd#sources) | [9 of 13](https://www.bankingnewsai.com/banks/wafd#where) | [18](https://www.bankingnewsai.com/banks/wafd#timeline) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | [51.3](https://www.bankingnewsai.com/banks/ai-index) | #56 of 120 | [7](https://www.bankingnewsai.com/banks/first-interstate#sources) | [17](https://www.bankingnewsai.com/banks/first-interstate#sources) | [5 of 11](https://www.bankingnewsai.com/banks/first-interstate#where) | [21](https://www.bankingnewsai.com/banks/first-interstate#timeline) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | [36.7](https://www.bankingnewsai.com/banks/ai-index) | #80 of 120 | [3](https://www.bankingnewsai.com/banks/banner#sources) | [21](https://www.bankingnewsai.com/banks/banner#sources) | [9 of 12](https://www.bankingnewsai.com/banks/banner#where) | [15](https://www.bankingnewsai.com/banks/banner#timeline) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | [34.4](https://www.bankingnewsai.com/banks/ai-index) | #83 of 120 | [1](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [26](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [10 of 13](https://www.bankingnewsai.com/banks/enterprise-bank#where) | [16](https://www.bankingnewsai.com/banks/enterprise-bank#timeline) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | [29.5](https://www.bankingnewsai.com/banks/ai-index) | #89 of 120 | [5](https://www.bankingnewsai.com/banks/bank-ozk#sources) | [15](https://www.bankingnewsai.com/banks/bank-ozk#sources) | [4 of 8](https://www.bankingnewsai.com/banks/bank-ozk#where) | [18](https://www.bankingnewsai.com/banks/bank-ozk#timeline) | Not disclosed |
| [Glacier Bancorp (this page)](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | [0.9](https://www.bankingnewsai.com/banks/ai-index) | #120 of 120 | [2](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [17](https://www.bankingnewsai.com/banks/first-financial-bankshares#sources) | [0 of 1](https://www.bankingnewsai.com/banks/first-financial-bankshares#where) | [12](https://www.bankingnewsai.com/banks/first-financial-bankshares#timeline) | Not disclosed |

## On which parts of the AI record is 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) | Glacier | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 6 | [Columbia (10)](https://www.bankingnewsai.com/banks/columbia) | 6th of 9 |
| Use cases in production (10%) | 7 | 9 | [Columbia (15)](https://www.bankingnewsai.com/banks/columbia) | 6th of 9 |
| Own primary disclosures (10%) | 18 | 16 | [Enterprise Bank & Trust (26)](https://www.bankingnewsai.com/banks/enterprise-bank) | 3rd of 9 |
| Dated moves, last 12 months (10%) | 14 | 16 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 8th of 9 |
| Disclosed numbers (5%) | 12 | 12.5 | [First Interstate (15)](https://www.bankingnewsai.com/banks/first-interstate) | 5th of 9 |
| Named AI leaders (5%) | 6 | 8.5 | [Columbia (13)](https://www.bankingnewsai.com/banks/columbia) | 6th of 9 |
| Use cases described (5%) | 10 | 11.5 | [Columbia (16)](https://www.bankingnewsai.com/banks/columbia) | 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) | [9, incl. Jim Reuter (President and CEO)](https://www.bankingnewsai.com/banks/first-interstate#people) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [American Banker](https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth)) | Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | Not disclosed | Not surveyed |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) | [13, incl. Clint Stein (President and CEO, Columbia Banking System)](https://www.bankingnewsai.com/banks/columbia#people) ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat)) | Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/columbia#roles) |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | [6, incl. Mark J. Grescovich (President and CEO)](https://www.bankingnewsai.com/banks/banner#people) ([Banner Corporation](https://investor.bannerbank.com/news/news-details/2026/Banner-Corporation-to-Acquire-Pacific-Financial-Corporation), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html)) | 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) ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI security](https://www.bankingnewsai.com/banks/banner#roles) |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) | [8, incl. Brent Beardall (President and CEO)](https://www.bankingnewsai.com/banks/wafd#people) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm)) | Software development pace with AI assistance: > 2x (Apr 17, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) | [5, incl. James B. Lally (President and CEO)](https://www.bankingnewsai.com/banks/enterprise-bank#people) ([Enterprise Financial Services Corp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/enterprise-financial-services-corp-reports-200500224.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/enterprise-financial-services-q2-earnings-160738590.html)) | Not disclosed | Not disclosed | Not surveyed |
| [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Not disclosed | [6, incl. David Bailey (President and CEO)](https://www.bankingnewsai.com/banks/first-financial-bankshares#people) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm), [First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html)) | Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025) ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm)) | Not disclosed | Not surveyed |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Not disclosed | [9, incl. George Gleason (Chairman and CEO)](https://www.bankingnewsai.com/banks/bank-ozk#people) ([American Banker](https://www.americanbanker.com/news/bank-ozk-says-spike-in-chargeoffs-is-no-cause-for-alarm), [Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa)) | Full-time-equivalent employees: About 3,280 (3,028 a year earlier) (Dec 31, 2025) ([Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Bank OZK](https://ir.ozk.com/static-files/d6a51e6b-58c9-4542-a44a-111ce32e45a3)) | 5 patents listed on the profile, e.g. US 2015/0348186 A1 (Customer acquisition probability and risk-adjusted return-on-equity analysis) ([Google Patents (USPTO)](https://patents.google.com/patent/US20150348186A1/en)) | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/bank-ozk#roles) |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | Q4 FY2026 call: EverBank merger, no AI update ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491)) |
| Sep 29, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | First full-service Austin-area branch ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bank-to-open-first-full-service-branch-in-austin-area-with-new-bee-cave-branch-302893317.html)) |
| Sep 15, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Barclays conference: AI answers most client messages ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Sep 10, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | nCino: WaFd piloting Analyst Digital Partner for credit risk ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Sep 1, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Pacific Financial acquisition completed ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm)) |
| Aug 31, 2026 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | U.S. Bank hires from Bank OZK for its Sun Belt push ([American Banker](https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt)) |
| Aug 21, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 6, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| Aug 4, 2026 | [First Financial Bankshares](https://www.bankingnewsai.com/banks/first-financial-bankshares) | Second-quarter 10-Q has no AI reference ([First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Aug 4, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Q2 2026 10-Q: IT and data services expense up 26% ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm)) |
| Aug 4, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Second-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 3, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | Microsoft Copilot course for clients ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work)) |
| Aug 3, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Q2 2026 10-Q: no material change to risk factors ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 22, 2026 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Gleason sizes the RESG and CIB books ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146)) |

## 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.

| Bank | Assistant or tool | Result disclosed | Date |
| --- | --- | --- | --- |
| Glacier | None disclosed; authenticator-app login (GAuth) and cash-management guides for ACH and wires | None | February 2024; July 2025 ([Glacier Bank](https://glacierbank.com/assets/files/J4AkeXGA), [Glacier Bank](https://glacierbank.com/assets/files/eM4lMQ3O), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf)) |
| Columbia | AI assistant for customer support; about three AI applications for agents and customers | Support mix moved from 2 human calls per AI chat to 3 AI chats per human call; 30% more customers with flat call-centre staff | April and September 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| WaFd | Voicebot; an AI call-centre agent under its Build 2030 plan | Balance inquiries 95% faster; 45% fewer calls to live representatives among voice-enrolled customers | August 2024; 2026 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf)) |
| Banner | Banner Virtual Assistant | Available 24 hours a day, 7 days a week | September 2026 ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) |
| First Interstate | Fiserv agentOS pilot; automated treasury-management enrollment (Prolific On-Ramp) | One of two agentOS pilots at launch | May 2026 ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Prolific Banking (Business Wire)](https://www.businesswire.com/news/home/20260519411891/en/First-Interstate-Bank-Moved-Prolific-Banking-Inc.-On-Ramp-Commercial-Enrollment-Solution-into-Production)) |
| Enterprise | Microsoft Copilot course for clients; AppFolio marketplace integration | First banking partner in the AppFolio Stack Marketplace | August 2026 ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |

## How do Glacier's technology foundations and leadership compare?

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

| Bank | Platform or foundation | Technology leadership | Date |
| --- | --- | --- | --- |
| Glacier | One charter on one technology platform; a centralized data warehouse holding all key customer data; in-house software development | Lee Groom, EVP and chief experience officer, oversees IT; Mark MacMillan, CIO | October 2025 to August 2026 ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000113/investorpresentation0930.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000065/exhibit991investorslides.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867124000102/gbci-20241030.htm), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf)) |
| First Interstate | A 'one clean data source' project alongside the Fiserv agentOS pilot | Jeff Lee, COO from September 2026 (ex-Seacoast chief digital officer) | May and September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm)) |
| Columbia | 83 platforms and solutions using some form of AI; AI used to validate data fields in the Pacific Premier conversion | Chief administrative officer Drew Anderson presented AI at Barclays | July 2025; April and September 2026 ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| WaFd | AI-assisted software development at more than twice the pace; nCino credit-analysis agent pilot | Build 2030 digital-focus pillar | April and September 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf)) |
| UMB | Integration 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 remit | July 2025; March 2026 ([American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000095017025028420/umbf-20241231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm)) |
| Banner | New commercial loan origination system ($924,000 write-off of the old one) | A generative-AI policy and Fintech Council vetting | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-banner-misses-q2-2026-estimates-as-shares-slip-93CH-4809573), [Banner Bank](https://www.bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/2025-corporate-responsibility-report.pdf?rev=306e470dcd7e4c149eba13a7496449aa&sc_lang=en&hash=27D60D9F813F59143BFA1C40256120EB)) |

## 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.

| Bank | Technology expense or efficiency | AI in filings | Date |
| --- | --- | --- | --- |
| Glacier | Operating efficiency ratio 56.21% in Q2 2026 (63.05% in Q1); quarterly expense guided at $187 million to $192 million | A dedicated AI risk factor in the 2025 10-K; AI only as a forward-looking risk in the 2026 10-Qs | February to August 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-glacier-bancorp-posts-q2-2026-profit-beat-93CH-4812214), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Banner | Information and computer data services $33.1 million in 2025, up 13%; $10.3 million in Q2 2026 | AI named only among forward-looking risk factors in the 2026 10-Qs | 2026 ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000009/banr-20251231.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm)) |
| UMB | Operating efficiency ratio 48.1% in Q2 2026 | 7 mentions of AI in the FY2025 10-K, 0 in the 2026 10-Qs | July 2026 ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607281605BIZWIRE_USPRX____20260728_BW374318-1), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| First Financial Bankshares | Efficiency ratio 45.94% in Q2 2026 | One AI risk-factor sentence in each 10-K from 2023 to 2025; none in the 2026 10-Qs | August 2026 ([First Financial Bankshares (PR Newswire)](https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017024019528/ffin-20231231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000095017025024666/ffin-20241231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm), [First Financial Bankshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm)) |
| Enterprise | Core efficiency ratio 59.3% in 2025 | Two AI references in the 2025 10-K, none in the Q2 2026 10-Q | July 2026 ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000146/efsc-20260630.htm)) |

## 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.

| Bank | Deal | Conversion | Technology or AI noted |
| --- | --- | --- | --- |
| Glacier | Bank of Idaho (closed April 30, 2025); Guaranty Bancshares, $476 million (closed October 1, 2025) | September 2025; first quarter 2026 | Guaranty given Glacier's automated commercial loan processing system; not described as AI ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/glacier-bancorp-gbci-q4-2025-earnings-transcript), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm)) |
| Columbia | Pacific 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 ([Banking Dive](https://www.bankingdive.com/news/columbia-acquire-pacific-premier-southern-california-umpqua-2-billion/746223/), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-tops-q2-eps-forecast-shares-slip-93CH-4810216)) |
| UMB | Heartland, $2 billion; branches from 93 to 193 | Merger costs down to $1.7 million in Q2 2026 | None on the record; AI discussed on one of four calls from Q3 2025 to Q2 2026 ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html)) |
| Banner | Pacific Financial, about $177 million in stock (closed September 1, 2026) | Systems integration planned for November 2026 | A new commercial loan origination system automating back-office steps ([American Banker](https://www.americanbanker.com/news/banner-to-buy-pacific-financial-boosting-presence-in-northwest), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-banner-misses-q2-2026-estimates-as-shares-slip-93CH-4809573)) |
| WaFd | $3.9 billion reverse merger with EverBank (announced September 7, 2026) | Closing expected in the first quarter of 2027; 27 integration workstreams | Core, accounting and HR system decisions advanced ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm)) |

## 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.

## Common questions

### 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. ([SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000005/investorslides123125.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/glacier-bancorp-gbci-q4-2025-earnings-transcript), [Glacier Bank](https://glacierbank.com/assets/files/J4AkeXGA))

### 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. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf))

### 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. ([SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))

### 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. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000113/investorpresentation0930.htm))

### 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. ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867124000102/gbci-20241030.htm), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000030/gbci-20260312.htm))

### 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). ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm))

### 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. ([American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/glacier-bancorp-gbci-q4-2025-earnings-transcript), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000043/gbci-03312026xex991.htm), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))

## Peers on this site

- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)
- [Columbia Banking System AI strategy](https://www.bankingnewsai.com/banks/columbia) · [vs peers](https://www.bankingnewsai.com/banks/columbia/vs-peers)
- [Banner Corporation AI strategy](https://www.bankingnewsai.com/banks/banner) · [vs peers](https://www.bankingnewsai.com/banks/banner/vs-peers)
- [WaFd, Inc. AI strategy](https://www.bankingnewsai.com/banks/wafd) · [vs peers](https://www.bankingnewsai.com/banks/wafd/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Enterprise Financial Services Corp AI strategy](https://www.bankingnewsai.com/banks/enterprise-bank) · [vs peers](https://www.bankingnewsai.com/banks/enterprise-bank/vs-peers)
- [First Financial Bankshares AI strategy](https://www.bankingnewsai.com/banks/first-financial-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-bankshares/vs-peers)
- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) · [vs peers](https://www.bankingnewsai.com/banks/bank-ozk/vs-peers)

## Sources

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. https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm
2. Glacier Bancorp investor presentation, second quarter 2025 (Form 8-K, Exhibit 99.1) — Glacier Bancorp (SEC filings), Aug 15, 2025. https://www.sec.gov/Archives/edgar/data/868671/000086867125000094/investorpresentation0630.htm
3. Glacier Bancorp investor presentation, fourth quarter 2025 (Form 8-K, Exhibit 99.1) — Glacier Bancorp (SEC filings), Feb 5, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000005/investorslides123125.htm
4. Glacier Bancorp investor presentation, May 2026 (Form 8-K, Exhibit 99.1) — Glacier Bancorp (SEC filings), May 5, 2026. https://www.sec.gov/Archives/edgar/data/868671/000086867126000058/exhibit991investorslides.htm
5. Columbia (COLB) Q1 2026 Earnings Call Transcript — Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html
6. Archway Software and WaFd Bank Modernize the Banking Experience Using AWS — Amazon Web Services, Aug 14, 2024. https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/
7. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking — Fiserv (GlobeNewswire), May 14, 2026. https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html
8. Banner Virtual Assistant — Banner Bank, Sep 24, 2026. https://www.bannerbank.com/contact-us/banner-virtual-assistant
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11. Glacier Bancorp to acquire Texas bank in $476 million deal — American Banker, Jun 25, 2025. https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal
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14. Banner Corporation Completes Acquisition of Pacific Financial Corporation (Form 8-K, Exhibit 99.1) — Banner Corporation (SEC filings), Sep 1, 2026. https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm
15. First Financial Bankshares, Inc. Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bankshares (SEC filing), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526071549/ffin-20251231.htm
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19. Glacier Bancorp 2025 Annual Report — SEC EDGAR, Mar 12, 2026. https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf
20. Columbia Banking System at Barclays conference: discipline drives gains — Investing.com, Sep 15, 2026. https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099
21. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
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. https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks
23. Glacier Bancorp, Inc. Form 8-K, Item 5.02: appointment of Ryan Screnar and Lee Groom — Glacier Bancorp (SEC filings), Nov 5, 2024. https://www.sec.gov/Archives/edgar/data/868671/000086867124000102/gbci-20241030.htm
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25. First Interstate BancSystem Form 8-K (Item 5.02: appointment of Chief Operations Officer) — First Interstate BancSystem (SEC filings), Aug 21, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm
26. First Interstate BancSystem Form 8-K (Item 5.02: appointment of directors) — First Interstate BancSystem (SEC filings), Jul 16, 2026. https://www.sec.gov/Archives/edgar/data/860413/000086041326000078/fibk-20260713.htm
27. Columbia CEO: Latest merger will avoid snags of the last one — American Banker, Apr 28, 2025. https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one
28. Columbia Banking System, Inc. Reports First Quarter 2026 Results — PR Newswire via FT Markets, Apr 23, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1
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. https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1
30. Columbia eschews more M&A amid activist investor heat — American Banker, Oct 31, 2025. https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat
31. Third Quarter 2025 Investor Presentation (Form 8-K, Exhibit 99.2) — Columbia Banking System (SEC filings), Oct 30, 2025. https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm
32. Columbia Bank (COLB) Q2 2025 earnings call transcript — earnings call transcript (The Motley Fool), Jul 24, 2025. https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript
33. WaFd Bank Investor Presentation, June 2026 — WaFd, Inc., Jul 27, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf
34. WAFD Q1 Deep Dive: Loan Growth and Deposit Initiatives Drive Outperformance — StockStory (Yahoo Finance), Apr 17, 2026. https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html
35. WaFd (WAFD) Q2 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 17, 2026. https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html
36. nSight 2026 Recap: AI in Banking Moves from Strategy to Delivery — nCino, May 29, 2026. https://ncino.com/en-SEA/blog/nsight-2026-recap
37. First Interstate BancSystem Q1 Earnings Call Highlights — MarketBeat (Yahoo Finance), Apr 30, 2026. https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html
38. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
39. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
40. AI POV: Impacts on the markets and what the future may hold — UMB Financial, Mar 2, 2026. https://blog.umb.com/economy-ai-impacts-on-the-markets/
41. BANR Q1 Deep Dive: Deposit Growth, Margin Resilience, and Strategic Positioning — StockStory (Yahoo Finance), Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html
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43. Why AI Is a CEO's Business Imperative — Enterprise Bank & Trust (Enterprise University), Mar 3, 2026. https://enterprisebank.com/insights/eu-ai-ceo-business-imperative
44. Microsoft Copilot: Transforming Everyday Work — Enterprise Bank & Trust (Enterprise University), Aug 3, 2026. https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work
45. Automation, Efficiency & Resilience: How Privately Held Businesses Can Seize Opportunity in 2026 — Enterprise Bank & Trust, Dec 17, 2025. https://enterprisebank.com/insights/automation-efficiency-resilience
46. Glacier in Montana takes prolific acquisition strategy to Idaho — American Banker, Jan 14, 2025. https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho
47. Why one regional bank is shrinking after years of rapid growth — American Banker, Feb 5, 2026. https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth
48. Columbia Banking System Q1 Earnings Call Highlights — MarketBeat via Yahoo Finance, Apr 23, 2026. https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html
49. Banner Corporation to Acquire Pacific Financial Corporation — Banner Corporation, Apr 30, 2026. https://investor.bannerbank.com/news/news-details/2026/Banner-Corporation-to-Acquire-Pacific-Financial-Corporation
50. WaFd Announces Quarterly Earnings Per Share of $0.84 — WaFd, Inc., Jul 16, 2026. https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf
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. https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm
52. UMB CEO takes 'measured' tone on M&A — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/
53. UMB Financial Q3 2025 Earnings Call Transcript — The Motley Fool (earnings call transcript), Jan 26, 2026. https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript
54. UMB (UMBF) Q4 2025 Earnings Call Transcript — The Motley Fool (earnings call transcript), Apr 21, 2026. https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript
55. UMB Financial (UMBF) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 29, 2026. https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html
56. Earnings call transcript: UMB Financial tops Q2 2026 estimates as shares rise — Investing.com (earnings call transcript), Jul 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757
57. Enterprise Financial Services Corp Reports Second Quarter 2026 Results — Enterprise Financial Services Corp (Business Wire via Yahoo Finance), Jul 22, 2026. https://finance.yahoo.com/news/enterprise-financial-services-corp-reports-200500224.html
58. Enterprise Financial Services Q2 Earnings Call Highlights — MarketBeat (Yahoo Finance), Jul 23, 2026. https://finance.yahoo.com/markets/stocks/articles/enterprise-financial-services-q2-earnings-160738590.html
59. First Financial Bankshares, Inc. Form 8-K (CEO transition), January 27, 2026 — First Financial Bankshares (SEC filing), Jan 28, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526029410/ffin-20260127.htm
60. FIRST FINANCIAL BANKSHARES ANNOUNCES SECOND QUARTER 2026 EARNINGS — First Financial Bankshares (PR Newswire), Jul 16, 2026. https://www.prnewswire.com/news-releases/first-financial-bankshares-announces-second-quarter-2026-earnings-302827948.html
61. Bank OZK says spike in charge-offs is no cause for alarm — American Banker, Jan 21, 2026. https://www.americanbanker.com/news/bank-ozk-says-spike-in-chargeoffs-is-no-cause-for-alarm
62. Bank OZK Announces First Quarter 2026 Earnings — Bank OZK, Apr 21, 2026. https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa
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