# Hancock Whitney vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers
Last updated: Oct 20, 2026

*Part of the [Hancock Whitney AI strategy profile](https://www.bankingnewsai.com/banks/hancock-whitney). Peer group: Trustmark Corporation, Renasant Corporation, SouthState Bank, Pinnacle Financial Partners, United Community Banks, Simmons First National Corporation, Prosperity Bancshares, Cullen/Frost Bankers.*

## How does Hancock Whitney compare with its peers on AI and technology?

On this site's AI disclosure index Hancock Whitney scores 37.4 (#78 of 120 US banks), sixth in a nine-bank group of Southern regionals, behind SouthState (70.9), Pinnacle (65.3), Frost (49.3), Prosperity (40) and United Community (38.7), and well ahead of its Mississippi rivals Trustmark (18.7) and Renasant (2.4). Its strength is governance on paper. The 2025 10-K, filed February 27, 2026, describes board oversight of AI, an AI Working Group of legal, compliance, risk and IT that approves use cases, and AI tools in the security program; the 2026 proxy lists director Suzette Kent, a former Federal CIO, with AI experience. Its gap is AI in use. It has disclosed no AI product, and its Q4 2025, Q1 2026 and Q2 2026 earnings calls contain no AI discussion, while SouthState reports 2,500+ premium Copilot users (June 2026) and Pinnacle almost 20 AI engineers (July 2026). Its digital work is a mobile modernization with MX aimed at a customer base whose average age is 65: mobile account openings rose 20% and 80% of new checking accounts were digitally active in Q4 2025. In Louisiana, where it holds 12.6% of deposits, the larger rival is JPMorgan Chase (16.7%), which counted 74.6 million active digital customers in 2025; Capital One (12.1%) has run its Eno assistant since 2017. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/hancock-whitney-hwc-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hancock-whitney-meets-q2-2026-eps-as-shares-fall-93CH-4804333), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Capital One](https://www.capitalone.com/digital/tools/eno/))

## Where does Hancock Whitney lead its peers on AI?

- **The most formal AI governance among its Mississippi rivals.** Hancock Whitney's 2025 10-K describes an AI Working Group that approves use cases and reports to an IT Risk Governance Committee, plus board oversight of AI. Trustmark's CIO briefed its board on AI on July 28, 2026, with the CEO calling financial effects too early to quantify; Renasant lists process automation without naming AI. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf))
- **A director with federal technology and AI experience.** Hancock Whitney's 2026 proxy places 'cybersecurity, technology and artificial intelligence risks' under the Board Risk Committee and lists director Suzette Kent, US Federal Chief Information Officer from 2018 to 2020, with cybersecurity and AI experience. Trustmark's CIO reports to its chief credit and operations officer. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm))
- **Digital adoption figures on the record.** Hancock Whitney says mobile account openings rose 20% year over year and 80% of new checking accounts were digitally active (Q4 2025), and an MX session description rated its new app sixth best among banks and credit unions (June 2026). Prosperity's public message on its February 2026 core conversion is 'real bankers, real-time banking'. ([Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf))

## Where does Hancock Whitney trail its peers on AI?

- **No AI in production that it names.** Hancock Whitney's profile records 5 of 11 AI use cases in production, 8th of 9 in the group, and none is a customer or employee AI tool; its client-facing AI content is threat guidance. SouthState reports 2,500+ premium Copilot users and a GenAI Knowledge Assistant (June 2026); United Community credits vendors' AI with halving fraud losses over two years. ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm))
- **Silent on AI in three straight earnings calls.** The Q4 2025 (January 20), Q1 2026 (April 21) and Q2 2026 (July 21) call transcripts contain no AI discussion. Pinnacle's CEO said in July 2026 that the bank employs almost 20 AI engineers, and Trustmark's CEO discussed the board's AI briefing on its July 2026 call. ([Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/hancock-whitney-hwc-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-hancock-whitney-meets-q2-2026-eps-as-shares-fall-93CH-4804333), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777))
- **No AI leader, unlike Pinnacle.** Hancock Whitney names a director of digital strategy, Pam Hymel, and a COO who began as a programmer, but no chief AI, data or analytics officer. Pinnacle names a head of AI, Kevin Johnson, and Huntington, which now owns Cadence's Mississippi franchise, has its CFO own an AI strategy with 50 agents in production. ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-names-shane-loper-as-hancock-whitney-bank-president), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/))
- **Fewer dated moves than the group.** Hancock Whitney scores 13 on dated moves in the last 12 months, 8th of 9 against a median of 17.5; Pinnacle leads with 21. Its 2026 moves were the One Florida Bank deal, the Wealth Access agreement and the MX case study, while peers logged AI launches and pilots. ([Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [PR Newswire (Wealth Access)](https://prnewswire.com/news-releases/hancock-whitney-selects-wealth-access-as-connected-intelligence-platform-for-enterprise-wealth-management-302701438.html), [American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner))

## Where does Hancock Whitney 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | [38.7](https://www.bankingnewsai.com/banks/ai-index) | #75 of 120 | [4](https://www.bankingnewsai.com/banks/united-community#sources) | [27](https://www.bankingnewsai.com/banks/united-community#sources) | [8 of 13](https://www.bankingnewsai.com/banks/united-community#where) | [21](https://www.bankingnewsai.com/banks/united-community#timeline) | Not disclosed |
| [Hancock Whitney (this page)](https://www.bankingnewsai.com/banks/hancock-whitney) | [37.4](https://www.bankingnewsai.com/banks/ai-index) | #78 of 120 | [4](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [20](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [5 of 11](https://www.bankingnewsai.com/banks/hancock-whitney#where) | [13](https://www.bankingnewsai.com/banks/hancock-whitney#timeline) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | [18.7](https://www.bankingnewsai.com/banks/ai-index) | #98 of 120 | [3](https://www.bankingnewsai.com/banks/trustmark#sources) | [14](https://www.bankingnewsai.com/banks/trustmark#sources) | [6 of 10](https://www.bankingnewsai.com/banks/trustmark#where) | [17](https://www.bankingnewsai.com/banks/trustmark#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | [2.4](https://www.bankingnewsai.com/banks/ai-index) | #111 of 120 | [2](https://www.bankingnewsai.com/banks/renasant#sources) | [24](https://www.bankingnewsai.com/banks/renasant#sources) | [12 of 12](https://www.bankingnewsai.com/banks/renasant#where) | [12](https://www.bankingnewsai.com/banks/renasant#timeline) | Not disclosed |

## On which parts of the AI record is Hancock Whitney ahead of or behind its peers?

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

| Component (weight) | Hancock Whitney | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 4 | 5.5 | [SouthState (12)](https://www.bankingnewsai.com/banks/southstate) | 6th of 9 |
| Use cases in production (10%) | 5 | 8 | [Renasant (12)](https://www.bankingnewsai.com/banks/renasant) | 8th of 9 |
| Own primary disclosures (10%) | 20 | 16.5 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 4th of 9 |
| Dated moves, last 12 months (10%) | 13 | 18 | [Pinnacle (21)](https://www.bankingnewsai.com/banks/pinnacle) | 8th of 9 |
| Disclosed numbers (5%) | 14 | 13 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 4th of 9 |
| Named AI leaders (5%) | 8 | 7 | [Pinnacle (12)](https://www.bankingnewsai.com/banks/pinnacle) | 4th of 9 |
| Use cases described (5%) | 11 | 11 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 5th of 9 |

## What has each bank in Hancock Whitney'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 |
| --- | --- | --- | --- | --- | --- |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [8, incl. John Hairston (President and CEO)](https://www.bankingnewsai.com/banks/hancock-whitney#people) ([Hancock Whitney](https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57), [American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank)) | New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | Not disclosed | Not surveyed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | Not disclosed | [5, incl. Duane A. Dewey (President and CEO)](https://www.bankingnewsai.com/banks/trustmark#people) ([Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [American Banker](https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo)) | Mentions of AI or artificial intelligence in the annual report, FY2024 / FY2025: 0 / 5, all in economic or market commentary (Feb 23, 2026) ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) | Not disclosed | Not surveyed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Not disclosed | [2, incl. Kevin D. Chapman (President and CEO)](https://www.bankingnewsai.com/banks/renasant#people) ([Renasant Corporation](https://investors.renasant.com/node/25476/pdf), [Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html)) | Full-time equivalent employees, Renasant plus The First: mid-2024 vs 31 March 2026: ≈ 3,400 vs ≈ 2,950 (down 450) (Apr 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript)) | Not disclosed | Not surveyed |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [10, incl. John Corbett (Chief Executive Officer)](https://www.bankingnewsai.com/banks/southstate#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1)) | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | None found (the profile's patent search) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/southstate#roles) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | Not disclosed | [6, incl. Lynn Harton (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/united-community#people) ([United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment), [United Community Banks (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Not disclosed | Not surveyed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |

## What are the latest dated moves on the AI record of Hancock Whitney 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 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 2, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Oct 1, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Edmonds profiled for tokenized-deposit and instant-payments work ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 18, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| Sep 17, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Vendor StrategyCorps buys AI-native Quantuma ([StrategyCorps (PR Newswire)](https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html)) |
| Sep 14, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Named as a Microsoft Copilot adopter ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| Sep 9, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 7, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Second-quarter 2026 10-Q ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-20260630.htm)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 5, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Q2 2026 10-Q repeats the two AI references ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-20260630.htm)) |
| Aug 5, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 2026 10-Q: AI references remain macro commentary ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 29, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 call: FIS-supported platforms replace self-supported core ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |

## How do Hancock Whitney's digital services compare with the larger banks in its home market?

Louisiana deposit share and branch counts are computed by this site from the FDIC Summary of Deposits (June 30, 2025, by holding company). A blank means nothing is disclosed, not that nothing exists.

| Bank | Louisiana deposits and branches | Customer AI assistant | Digital scale disclosed | Employee AI |
| --- | --- | --- | --- | --- |
| Hancock Whitney | 2nd: 12.6%, 97 branches | None disclosed; MX-built mobile app (June 2026) | Mobile openings up 20%; 80% of new checking accounts digitally active (Q4 2025) | None named; AI Working Group approves use cases ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| JPMorgan Chase | 1st: 16.7%, 100 branches | No consumer assistant launched; a consumer travel agent targeted for pilot before end-2026 | 74.6 million active digital and 61.7 million active mobile customers (2025) | LLM Suite: 150,000 weekly users (February 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |
| Capital One | 3rd: 12.1%, 64 branches | Eno, live since March 2017; no usage count published | Largest US credit card issuer by card loans (December 31, 2025) | MACAW summarizes fraud calls for staff ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [VentureBeat (sponsored by Capital One)](https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models)) |
| Regions | 4th: 6.3%, 79 branches | In-house native app (July 2025) with personalized insights (July 2026) | 2.7 million active mobile users | GitHub Copilot for about 80% of developers (September 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html)) |
| First Horizon | 5th: 5.8%, 55 branches | A proprietary customer-facing digital platform under construction (September 2025) | Not disclosed | ChatFHN in every employee's hands, about 15 months in production (2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |

## How does Hancock Whitney's AI governance and employee AI compare with its Southern peers'?

What each bank has disclosed about who governs AI and what AI its staff use.

| Bank | Governance disclosed | AI in use | Date |
| --- | --- | --- | --- |
| Hancock Whitney | AI Working Group (legal, compliance, risk, IT) approves use cases; Board Risk Committee oversees AI risk | AI tools in the security program; no staff tool named | February and March 2026 ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm)) |
| Trustmark | CIO presented AI efforts to the board | AI plans drawn up; effects too early to quantify | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [StockStory (Yahoo Finance)](https://finance.yahoo.com/news/trmk-q2-deep-dive-loan-151702996.html)) |
| SouthState | AI Enablement Manager runs adoption | 2,500+ premium Copilot users; GenAI Knowledge Assistant at 1.1K+ questions a day | June 30, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear)) |
| Pinnacle | Head of AI, Kevin Johnson | ChatPFP answered 18,000 banker questions; almost 20 AI engineers | April and July 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| United Community | CEO says AI will have a positive impact | Vendor AI in fraud; fraud losses down 50% over two years | April 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |
| Renasant | No AI governance disclosed | Process automation and data analytics listed among technology investments | 2026 annual report ([SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf)) |

## How does Hancock Whitney's technology modernization compare with its peers' projects?

Several Southern banks spent 2026 replacing cores or apps, often around acquisitions.

| Bank | Project | When | What is disclosed |
| --- | --- | --- | --- |
| Hancock Whitney | Mobile and digital modernization with MX; One Florida Bank systems conversion | June 2026; conversion expected Q4 2026 | New app rated sixth best per an MX session description; average customer age 65 ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html)) |
| Trustmark | Core deposit system conversion | Completed Q2 2026 | A 45-year-old system replaced ([Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [StockStory (Yahoo Finance)](https://finance.yahoo.com/news/trmk-q2-deep-dive-loan-151702996.html)) |
| Prosperity | Real-time core processing system | February 17, 2026 | Four-day cutover with online banking, Treasury Center and Zelle suspended ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf)) |
| Pinnacle | Synovus systems conversion and a new banking app | March 2027 | More than 200,000 customers moving ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Frost | Digital account opening on Blend | August 2026 | Completion rates up from 50% to 80% ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |

## How has Hancock Whitney's AI disclosure developed?

Hancock Whitney's AI language arrived in stages. Its 2023 10-K had none. The 2024 10-K, filed February 27, 2025, added a risk factor saying the company or its vendors may incorporate AI and that generative AI is raising cybersecurity risk. The 2025 10-K, filed February 27, 2026, added board oversight of AI, an AI Working Group of legal, compliance, risk and IT staff that approves use cases, and AI tools inside the security program. The 2026 proxy says the board has spent significant time on generative AI and lists director Suzette Kent with AI experience. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000095017025028009/hwc-20241231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm))

On fraud it has argued policy rather than announced tools. Its September 18, 2025 response to the agencies' payments-fraud request for information asked for a federal fraud office, platform accountability and a Regulation CC fraud-hold exemption, and an attached letter to Mississippi senators says scams exploit artificial intelligence and voice cloning. Its September 2026 guidance tells business clients that AI is pushing cybersecurity risks to unprecedented levels. ([FDIC](https://www.fdic.gov/federal-register-publications/hancock-whitney-bank-jennifer-ng-rin-3064-za49.pdf), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider))

## Which banks are Hancock Whitney's peers, and why these?

Hancock Whitney is compared here with Trustmark Corporation, Renasant Corporation, SouthState Bank, Pinnacle Financial Partners, United Community Banks, Simmons First National Corporation, Prosperity Bancshares and Cullen/Frost Bankers: chosen by the editors for this page (see the note below the table). Hancock Whitney is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in banks from Virginia, West Virginia, South Florida and the Ohio Valley; this group puts first the Mississippi banks Hancock Whitney meets at home (Trustmark and Renasant), then Southern regionals from its own 2026 proxy compensation peer group (SouthState, Pinnacle, United Community, Simmons, Prosperity and Frost), while the larger banks that lead its Louisiana markets are compared in a separate table below.

## Common questions

### Does Hancock Whitney use Microsoft Copilot or ChatGPT?

It has not said. Its 10-K says the cybersecurity program leverages AI tools and that an AI Working Group approves use cases, but names no generative-AI product or vendor. Peers are specific: SouthState reports 2,500+ premium Copilot users, and Wells Fargo reports Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025). ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/))

### Does Hancock Whitney have an AI virtual assistant?

Not one it has disclosed. Its digital work is a mobile modernization with MX, and its client-facing AI content is cybersecurity and fraud guidance. In Louisiana, Capital One has run its Eno assistant since 2017, and Bank of America says Erica helps more than 24.6 million clients nationally. ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### Is Hancock Whitney better than Trustmark at AI?

The record cannot settle capability. Hancock Whitney has put more on it: 37.4 on this site's disclosure index against Trustmark's 18.7, with a written AI Working Group and board-level AI oversight. Trustmark finished replacing a 45-year-old core deposit system in Q2 2026 and its CEO says AI plans exist but are too early to quantify. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777))

### How does Hancock Whitney compare with Regions on digital banking?

Regions rebuilt its app in-house in July 2025 and reports 2.7 million active mobile users, with personalized insights added in July 2026. Hancock Whitney launched an MX-built app and says 80% of new checking accounts were digitally active in Q4 2025. Regions scores 83.8 on this site's AI index; Hancock Whitney scores 37.4. ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript))

### Who governs AI at Hancock Whitney?

An AI Working Group of legal, compliance, risk and IT representatives approves AI use cases and reports to the IT Risk Governance Committee, and the Board Risk Committee, chaired by Frank Bertucci, oversees AI risk. Director Suzette Kent, a former US Federal CIO, is listed with AI experience. No chief AI or data officer is named. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm))

### How does Hancock Whitney's technology compare with Pinnacle and SouthState?

Both have put more on the record: SouthState scores 70.9 and Pinnacle 65.3 on this site's index against Hancock Whitney's 37.4. SouthState reports 2,500+ premium Copilot users and Pinnacle a head of AI and almost 20 AI engineers. Hancock Whitney's disclosed work is AI governance and an MX-built mobile app. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel))

### How does Hancock Whitney compare with First Horizon on AI?

First Horizon has put more on the record: its internal assistant, ChatFHN, has been in every employee's hands for about 15 months, and it is building a proprietary customer-facing digital platform. Hancock Whitney names no staff AI tool; its disclosed work is an AI Working Group, board oversight of AI and an MX-built mobile app. The two meet in Louisiana, where First Horizon holds 5.8% of deposits. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:LA%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### How does Hancock Whitney compare with Renasant on technology?

Renasant scores 2.4 on this site's index and Hancock Whitney 37.4. Renasant's 2026 annual report lists process automation and data analytics among technology investments without naming AI; Hancock Whitney's 10-K discloses AI governance and AI tools in its security program. Both are Mississippi banks and meet on the Gulf Coast, where Renasant holds 11.1% of deposits. ([SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:25060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### Does Hancock Whitney use AI to fight fraud?

Its 10-K says the cybersecurity program tracks AI-driven threats and leverages AI tools, but names no fraud model. On policy, its September 2025 FDIC response asked for a federal fraud office, and its letter to Mississippi senators says scams exploit AI and voice cloning. United Community credits vendors' AI with halving its fraud losses over two years. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [FDIC](https://www.fdic.gov/federal-register-publications/hancock-whitney-bank-jennifer-ng-rin-3064-za49.pdf), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm))

## Peers on this site

- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) · [vs peers](https://www.bankingnewsai.com/banks/trustmark/vs-peers)
- [Renasant Corporation AI strategy](https://www.bankingnewsai.com/banks/renasant) · [vs peers](https://www.bankingnewsai.com/banks/renasant/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)

## Sources

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23. Hancock Whitney Selects Wealth Access as Connected Intelligence Platform for Enterprise Wealth Management — PR Newswire (Wealth Access), Mar 2, 2026. https://prnewswire.com/news-releases/hancock-whitney-selects-wealth-access-as-connected-intelligence-platform-for-enterprise-wealth-management-302701438.html
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27. Pinnacle points to new hires as proof that merger is working — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working
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30. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
31. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
32. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
33. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
34. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
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39. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients — Hancock Whitney, Nov 12, 2025. https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients
40. Hancock Whitney Reports First Quarter 2026 EPS of $0.57 — Hancock Whitney, Apr 21, 2026. https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57
41. Hancock Whitney inks deal to buy Orlando community bank — American Banker, May 15, 2026. https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank
42. Trustmark Corporation Announces Second Quarter 2026 Financial Results — Trustmark Corporation (Business Wire via Yahoo Finance), Jul 28, 2026. https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html
43. Trustmark promotes exec, setting him up as potential next CEO — American Banker, Mar 31, 2026. https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo
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46. Renasant Corporation Announces Earnings for the Second Quarter of 2026 — Renasant Corporation (GlobeNewswire), Jul 28, 2026. https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html
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78. Regions aims to push 'dark mode,' other app tweaks next year — Banking Dive, Dec 19, 2025. https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/
79. Regions Bank Launches Personalized Insights for Mobile Banking Customers — Business Wire via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1
80. Regions Bank's Mobile Upgrade Drives Digital Transactions to 80% — PYMNTS, Jul 17, 2026. https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/
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82. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
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