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Home BancShares (Centennial Bank) vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 96 sources cited

How does Home BancShares (Centennial Bank) compare with its peers on AI and technology?

On this site's AI disclosure index Home BancShares scores 3.5 (#108 of 120 US banks), eighth in a nine-bank group drawn from its Arkansas, Florida and Texas markets, level with Simmons (3.6) and ahead only of First Financial Bankshares (0.9). The Florida banks lead: BankUnited (63.5) describes an internal assistant built on Anthropic's Claude through Amazon Bedrock and an AI and Data Advisory Group set up in July 2025, and Seacoast (42.1) runs Quavo's agentic-AI dispute platform (December 2025) and Abrigo's generative-AI loan review assistant, which cut clean credit-review time from 8-10 hours to 4-6 hours. Prosperity (40) converted to a real-time core in February 2026, and Bank OZK (29.5) is co-developing Fiserv agentOS agents. Home's AI record is one sentence: its 10-Ks since the FY2023 report say generative AI 'may require additional investment to develop responsible use frameworks', and it names no AI leader, use case or vendor, placing last of nine on named AI leaders. What it does lead on is cost: a 40.84% efficiency ratio and 2.11% return on assets in Q3 2026, against Seacoast's 54.54% adjusted and Hancock Whitney's 55.31% efficiency ratios in Q2 2026. Its technology work in 2026 was a legacy systems conversion completed in June and Mountain Commerce's conversion, set for November 6.[1][2][3][4][5][6][7][8][9][10][11][12]

Data as of Oct 20, 2026 · Centennial Bank profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Centennial Bank lead its peers on AI?

01

The lowest cost base in the group

Home reported a 40.84% efficiency ratio and 2.11% return on assets for Q3 2026, and 41.29% for full-year 2025. Seacoast's adjusted efficiency ratio was 54.54%, Hancock Whitney's 55.31% and Prosperity's 45.99% in Q2 2026; only Bank OZK, at 39.2%, ran leaner. None of them attributes its ratio to AI.[9][13][10][11][14][15]

02

A completed systems conversion, where Arvest's runs to 2027

Home completed the conversion of its legacy systems in June 2026, and its CEO said it went 'as smooth and as good as it could be expected'. Arvest's Google Cloud migration and application modernisation are due to finish in 2027.[12][16][17]

03

More disclosed numbers than most of the group

Home places second of nine on disclosed numbers, behind BankUnited: it publishes staff counts for three years (2,819, 2,552 and 2,543 full-time equivalents at the end of 2023, 2024 and 2025), quarterly data-processing expense and modelled conversion savings.[8][18][7][19][20]

04

Paperless adoption counted in the proxy

Home's 2026 proxy reports 68.0% of checking accounts and 69.9% of savings accounts enrolled in e-statements, and 3.3 million e-statements delivered in 2025. Hancock Whitney reports 80% of new checking accounts digitally active and mobile openings up 20% (Q4 2025).[21][22]

Where it trails

Where does Centennial Bank trail its peers on AI?

01

No AI programme while Seacoast and BankUnited run theirs

Seacoast runs agentic AI for card disputes through Quavo (December 2025) and a generative-AI loan review assistant from Abrigo; BankUnited's internal SAVI assistant answers staff questions from about 400 policy documents at a reported 95% accuracy (AWS). Home discloses no AI deployment in earnings materials or filings.[3][4][1][23][7]

02

The same AI sentence three years running

Home's 10-Ks for FY2023, FY2024 and FY2025 carry an identical generative-AI risk sentence. Hancock Whitney's 2025 10-K added board oversight of AI and an AI Working Group that approves use cases, and BankUnited's 2026 proxy describes an AI and Data Advisory Group and AI training for directors.[8][18][7][24][2]

03

No named technology or AI owner

Home places last of nine on named AI leaders; its 10-K describes a CISO reporting to the chief risk officer but names no CIO, CTO or data chief. Seacoast names CIO Jeff Semonovich, Arvest CIO Jennifer Baker, and BankUnited senior EVP Lisa Shim, who leads technology and innovation.[7][25][26][27][2]

04

No AI on its calls

The Q4 2025, Q1 2026 and Q3 2026 call transcripts contain no AI remark; on October 15, 2026 management discussed record earnings, deposits and the Mountain Commerce conversion. Seacoast's CEO said on the Q1 2026 call that 'a lot of hard work is going on with building around other new tools and AI products'.[28][29][9][30]

AI index

Where does Centennial Bank rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
BankUnited63.5#44 of 12072610 of 1519SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[1][31][32][33][34]
Seacoast Banking Corporation of Florida42.1#67 of 12041810 of 1114Quavo agentic dispute management and Seacoast's AI-information page[3][35][36]
Prosperity Bancshares40#71 of 1206154 of 817Real-time core (converted February 2026)[5][37][38][39][40][14]
Hancock Whitney37.4#78 of 1204205 of 1113MX-powered digital banking modernisation[41][42][43][44][24]
Arvest Bank37.2#79 of 1207124 of 119Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY)[26][45][46][47][48][49]
Bank OZK29.5#89 of 1205154 of 818Not disclosed
Simmons First National Corporation3.6#106 of 1205228 of 1019Not disclosed
Home BancShares (Centennial Bank) (this page)3.5#108 of 1206177 of 1017Not disclosed
First Financial Bankshares0.9#120 of 1202170 of 112Not disclosed
Component by component

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

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

Component (weight)Centennial BankPeer medianMost in the groupPlace
Independent sources (45%)65Arvest (7)3rd of 9
Use cases in production (10%)74.5Seacoast Bank (10)4th of 9
Own primary disclosures (10%)1717.5BankUnited (26)5th of 9
Dated moves, last 12 months (10%)1715.5Simmons Bank (19)4th of 9
Disclosed numbers (5%)1612.5Centennial Bank (16)1st of 9
Named AI leaders (5%)48BankUnited (11)9th of 9
Use cases described (5%)1010.5BankUnited (15)5th of 9
Head to head

What has each bank in Centennial Bank's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Home BancShares (Centennial Bank)Not disclosed4, incl. John W. Allison (Chairman and CEO, Home BancShares)[50][23]Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025)[8][18][7]Not disclosed0 open AI roles (Sep 24, 2026)
Simmons First National CorporationNot disclosed8, incl. Jay Brogdon (President and CEO)[51][52]Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026)[53]Not disclosedNot surveyed
Bank OZKNot disclosed9, incl. George Gleason (Chairman and CEO)[54][55]Full-time-equivalent employees: About 3,280 (3,028 a year earlier) (Dec 31, 2025)[56][57]5 patents listed on the profile, e.g. US 2015/0348186 A1 (Customer acquisition probability and risk-adjusted return-on-equity analysis)[58]0 open AI roles (Sep 24, 2026)
Arvest BankMulti-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY)[26][45][46][47][48][49]7, incl. Matt Machen (President and CEO)[59]Employees (call report): 6,087 (Jun 30, 2026)[60]Not disclosedNot surveyed
Seacoast Banking Corporation of FloridaQuavo agentic dispute management and Seacoast's AI-information page[3][35][36]10, incl. Charles M. Shaffer (Chairman and CEO)[10][61]Full-time-equivalent employees: 1,962 (Dec 31, 2025)[62]1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs)[63]Not surveyed
BankUnitedSAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[1][31][32][33][34]11, incl. Rajinder Singh (Chairman, President and CEO)[64]Not disclosedNot disclosedNot surveyed
Hancock WhitneyMX-powered digital banking modernisation[41][42][43][44][24]8, incl. John Hairston (President and CEO)[65][66]New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026)[42]Not disclosedNot surveyed
Prosperity BancsharesReal-time core (converted February 2026)[5][37][38][39][40][14]6, incl. David Zalman (Senior Chairman and CEO)[40][67]Not disclosedNot disclosedNot surveyed
First Financial BanksharesNot disclosed6, incl. David Bailey (President and CEO)[68][69]Employees: About 1,600 (1,500 full-time, 100 part-time) (Dec 31, 2025)[70]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of Centennial Bank and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 16, 2026Simmons BankQ3 2026 call: technology and automation 'barely scratching the surface'[71]
Oct 15, 2026Centennial BankQ3 2026 call: Mountain Commerce conversion set for 6 November[72]
Oct 14, 2026Centennial BankRecord third-quarter 2026 results[73]
Oct 8, 2026Seacoast BankAbrigo publishes Seacoast loan-review AI case study[4]
Sep 29, 2026First Financial BanksharesFirst full-service Austin-area branch[74]
Sep 22, 2026Simmons BankInvestor Day set for 10 December 2026[75]
Sep 9, 2026Hancock Whitney'AI is raising business cyber risk' guidance[44]
Aug 31, 2026Bank OZKU.S. Bank hires from Bank OZK for its Sun Belt push[76]
Aug 7, 2026Hancock WhitneySecond-quarter 2026 10-Q[77]
Aug 6, 2026ProsperityQ2 2026 10-Q repeats the AI risk bullet[78]
Aug 6, 2026BankUnitedQ2 2026 10-Q has no AI discussion[79]
Aug 4, 2026First Financial BanksharesSecond-quarter 10-Q has no AI reference[80]
Aug 4, 2026Seacoast BankQ2 2026 10-Q widens its AI risk language[81][82]
Jul 29, 2026ProsperityQ2 call: Stellar savings of $80-85 million wait for a March 2027 conversion[14]
Jul 22, 2026BankUnitedQ2 2026 call: staying out of data-centre lending[83]
Jul 22, 2026Bank OZKGleason sizes the RESG and CIB books[84]
May 5, 2026ArvestSecurity engineer on agentic-AI risk[85]
Apr 8, 2026Arvest20th among US banks on Forbes' World's Best Banks[59]
AI in production across the group

What AI do Centennial's market rivals have in production?

The AI each bank in the group has described as in use or in pilot, with the scale or result it disclosed. A blank means nothing is on the record.

BankWhat it hasSinceScale or result
Home BancSharesNone disclosed; Newgen low-code deposit account opening with no AI feature describedJune 2024n/a[86][7]
SeacoastQuavo agentic-AI dispute management; Abrigo generative-AI loan review assistantDecember 2025; October 2026 case studyClean credit-review line sheet from 8-10 hours to 4-6 hours[3][4]
BankUnitedSAVI internal assistant on Anthropic's Claude via Amazon BedrockUndated AWS case study≈ 400 policy documents; 95% reported accuracy[1]
Bank OZKCo-developing Fiserv agentOS AI agentsMay 2026One of four banks named by Fiserv[6]
ArvestGoogle Cloud with Contact Center AI Insights and Document AI named in the 2022 agreementJuly 202240% of targeted applications migrated (April 2025)[49][17]
SimmonsMobile-deposit customer scoring built with Jack Henry2025Fraud losses down 96% to under one basis point[87]
Hancock WhitneyAI Working Group approving use cases; AI tools in the security programme2025 10-KNot disclosed[24]
AI governance in filings and proxies

How does Home BancShares' AI governance compare with its peers'?

What each bank's 10-K or proxy says about who oversees AI. Board oversight is a disclosure about structure, not about AI in use.

BankAI governance on the recordDocumentDate
Home BancSharesOne generative-AI risk sentence, unchanged since the FY2023 10-K; no AI committee or owner namedFY2023-FY2025 10-KsFebruary 2024 to February 2026[8][18][7]
Hancock WhitneyBoard oversight of AI; an AI Working Group that approves use cases; director Suzette Kent, former US Federal CIO, credited with AI experience2025 10-K; 2026 proxyFebruary and March 2026[24][88]
BankUnitedAI and Data Advisory Group (July 2025); management updates the board Risk Committee on AI models; director AI training in 20252026 proxy2026[2]
SeacoastBoard Information Technology Committee explicitly assesses AI risk; 'AI-Ready Infrastructure' section; former Fiserv CIO and a sitting Principal Financial CIO on the board2026 proxyApril 2026[89][90]
Bank OZKAI named as a focus area; AI risk factor on opaque models, bias and third-party models2025 10-KFebruary 2026[56]
SimmonsRisk factor naming agentic AI and third-party model risk; proxy silent on AI2025 10-K; 2026 proxyFebruary and April 2026[91][53]
Efficiency and scale

How does Centennial's cost base compare with its peers' technology-heavy models?

Efficiency ratios as each bank reports them (lower is leaner), with the period. Definitions differ (reported, adjusted or operating).

BankEfficiency ratioPeriodTechnology context
Bank OZK39.2%Q2 2026Co-developing Fiserv agentOS agents[15][6]
Home BancShares40.84%Q3 2026Legacy systems converted June 2026; no AI programme[9][12]
First Financial Bankshares45.94%Q2 2026In-house technology company First Technology Services[69][70]
Prosperity45.99%Q2 2026Real-time core from February 2026; $75-90 million annual technology spend (CEO estimate)[14][92]
Simmons54.26% adjustedQ2 2026CTO hired May 2025; Better Bank automation[51][93]
Seacoast54.54% adjustedQ2 2026Outsourced data processing $12.2 million in the quarter[10][81]
Hancock Whitney55.31%Q2 2026MX-powered mobile app modernisation[11][42]
The peer group

Which banks are Centennial Bank's peers, and why these?

Home BancShares (Centennial Bank) is compared here with Simmons First National Corporation, Bank OZK, Arvest Bank, Seacoast Banking Corporation of Florida, BankUnited, Hancock Whitney, Prosperity Bancshares and First Financial Bankshares: chosen by the editors for this page (see the note below the table). Home BancShares (Centennial Bank) is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in New Jersey, Ohio, Virginia and Hawaii banks that do not meet Centennial in its markets; this group holds the banks of its three main states, Arkansas (Simmons, Bank OZK, Arvest), Florida (Seacoast, BankUnited, Hancock Whitney) and Texas (Prosperity, First Financial Bankshares), because Home's proxy names no peer list, only a band of US banks with $10 billion to $50 billion of assets.

Common questions

Does Home BancShares (Centennial Bank) use AI?

Not that it has disclosed. Its 10-Ks since the FY2023 report carry one sentence saying generative AI 'may require additional investment to develop responsible use frameworks', its 2026 10-Qs mention AI only in forward-looking cautions, and its Q3 2026 call did not mention AI. No AI use case, vendor or leader is named.[8][7][19][9]

Is Centennial Bank better than Simmons at AI?

Neither has put much on the record: Simmons scores 3.6 on this site's index and Home 3.5. Simmons has a measured mobile-deposit scoring model, a CTO hire and an agentic-AI risk factor; Home has none of these but runs a much leaner bank, with a 40.84% efficiency ratio in Q3 2026 against Simmons's 54.26% adjusted in Q2.[87][93][91][9][51]

How does Centennial compare with Seacoast in Florida on technology?

Seacoast has put more on the record (42.1 on this site's index against 3.5): agentic AI for disputes through Quavo, a generative-AI loan review assistant, a named CIO and a board IT Committee that assesses AI risk. Home runs 78 Florida branches without a disclosed AI deployment, and a leaner cost base.[3][4][89][94][9]

Who leads technology at Home BancShares?

No technology or AI executive is named in its filings. The 10-K describes an information security programme led by a chief information security officer who reports to the chief risk officer. Chairman and CEO John Allison and Centennial CEO Stephen Tipton speak for the bank on calls, where technology comes up as systems conversions.[7][95][12]

How does Home's digital adoption compare with peers'?

Home reports paperless adoption: 68.0% of checking accounts on e-statements and 63.7% on e-notices at December 31, 2025. Hancock Whitney says 80% of new checking accounts were digitally active and mobile openings rose 20% (Q4 2025). Neither publishes active mobile users.[21][22]

How does Centennial compare with Bank OZK on AI?

Bank OZK, the other Arkansas bank with a large real-estate lending book, has put more on the record: 29.5 on this site's index against Home's 3.5. It is one of four banks co-developing Fiserv agentOS AI agents and its 10-K names AI as a focus area. Both run lean: 39.2% for Bank OZK in Q2 2026 and 40.84% for Home in Q3.[6][56][15][9]

Which bank in Home's peer group discloses the most about AI?

BankUnited, at 63.5 on this site's index: an internal SAVI assistant on Anthropic's Claude through Amazon Bedrock, an AI and Data Advisory Group set up in July 2025, board AI training, and 'AI workflows' named among 2026 investments. Seacoast follows at 41.6 with two AI tools in production, in disputes and loan review.[1][2][96][3][4]

Does Home BancShares plan to invest in AI?

It has not said so. Its 10-K says generative AI may require investment in responsible-use frameworks and that competitors have substantially greater resources to invest in technology. Management's stated 2026 priorities on the Q3 call were capital return, the November Mountain Commerce conversion and disciplined loan and deposit pricing.[7][9]

What technology projects has Home BancShares disclosed?

Three: Newgen's low-code platform for retail and commercial deposit account opening (June 2024), the conversion of its legacy systems, completed in June 2026, and the Mountain Commerce systems conversion set for the weekend of November 6, 2026, expected to deliver about $5 million to $6 million of annual savings.[86][12][9]

Peers on this site
Simmons Bank AI strategy →How Simmons First National Corporation compares with its peers →Bank OZK AI strategy →How Bank OZK compares with its peers →Arvest AI strategy →How Arvest Bank compares with its peers →Seacoast Bank AI strategy →How Seacoast Banking Corporation of Florida compares with its peers →BankUnited AI strategy →How BankUnited compares with its peers →Hancock Whitney AI strategy →How Hancock Whitney compares with its peers →Prosperity AI strategy →How Prosperity Bancshares compares with its peers →First Financial Bank Texas AI strategy →How First Financial Bankshares compares with its peers →
Deeper on Centennial Bank
Centennial Bank AI strategy: the full profile →Home BancShares (Centennial Bank) competitors and alternatives →Home BancShares AI profile →Home BancShares competitors and alternatives →Simmons Bank AI profile →Bank AI index →AI chatbots in banking →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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    Amazon Web Services · Sep 24, 2026
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    SEC EDGAR · Apr 10, 2026
  3. Seacoast Bank and Quavo Partner to Enhance Dispute Operations and Reduce Fraud Losses
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    Abrigo · Oct 8, 2026
  5. System Upgrade
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    Home BancShares (GlobeNewswire) · Oct 14, 2026
  74. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH
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  77. Hancock Whitney Corporation Quarterly Report on Form 10-Q for the period ended 30 June 2026
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  78. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
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  79. BankUnited, Inc. Quarterly Report on Form 10-Q for June 30, 2026
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  80. First Financial Bankshares, Inc. Form 10-Q for the quarter ended June 30, 2026
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  81. Seacoast Banking Corporation of Florida Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
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  83. BankUnited, Inc. Q2 2026 Earnings Call Summary
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  88. Hancock Whitney Corporation 2026 Proxy Statement (Schedule 14A)
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  89. Seacoast Banking Corporation of Florida 2026 Proxy Statement (Schedule 14A)
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  90. Seacoast Banking Corporation of Florida Appoints Three New Independent Directors (Form 8-K, Exhibit 99.1)
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  92. Prosperity (PB) Q1 2026 Earnings Transcript
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  94. Home BancShares, Inc. Announces Completion of the Acquisition of Mountain Commerce Bancorp, Inc.
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  95. Home BancShares, Inc. Announces Adjustments to Management Team: Poised for the Future
    Home BancShares (GlobeNewswire) · May 14, 2024
  96. BankUnited (BKU) Q4 2025 Earnings Call Transcript
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