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

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

*Part of the [Home BancShares (Centennial Bank) AI strategy profile](https://www.bankingnewsai.com/banks/home-bancshares). Peer group: Simmons First National Corporation, Bank OZK, Arvest Bank, Seacoast Banking Corporation of Florida, BankUnited, Hancock Whitney, Prosperity Bancshares, First Financial Bankshares.*

## 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. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [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), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526310272/hwc-ex99_1.htm), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629))

## Where does Centennial Bank lead its peers on AI?

- **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. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/news/home-bancshares-q4-earnings-call-210438483.html), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526310272/hwc-ex99_1.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings))
- **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. ([Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/))
- **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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000112/homb-20260630.htm), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-q2-earnings-call-200326244.html))
- **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). ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000055/homb-20260227.htm), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript))

## Where does Centennial Bank trail its peers on AI?

- **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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm))
- **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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm))
- **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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Seacoast Bank](https://www.seacoastbank.com/newsroom/seacoast-names-jeff-semonovich-as-evp-chief-information-officer), [Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [American Banker](https://americanbanker.com/news/lisa-shim-bankunited-most-powerful-women-next), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm))
- **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'. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/home-bancshares-homb-q4-2025-earnings-transcript), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/16/home-bancshares-homb-q1-2026-earnings-transcript), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/seacoast-sbcf-q1-2026-earnings-151133483.html))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | [63.5](https://www.bankingnewsai.com/banks/ai-index) | #44 of 120 | [7](https://www.bankingnewsai.com/banks/bankunited#sources) | [26](https://www.bankingnewsai.com/banks/bankunited#sources) | [10 of 15](https://www.bankingnewsai.com/banks/bankunited#where) | [19](https://www.bankingnewsai.com/banks/bankunited#timeline) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | [42.1](https://www.bankingnewsai.com/banks/ai-index) | #67 of 120 | [4](https://www.bankingnewsai.com/banks/seacoast#sources) | [18](https://www.bankingnewsai.com/banks/seacoast#sources) | [10 of 11](https://www.bankingnewsai.com/banks/seacoast#where) | [14](https://www.bankingnewsai.com/banks/seacoast#timeline) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) |
| [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)) |
| [Hancock Whitney](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)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | [37.2](https://www.bankingnewsai.com/banks/ai-index) | #79 of 120 | [7](https://www.bankingnewsai.com/banks/arvest#sources) | [12](https://www.bankingnewsai.com/banks/arvest#sources) | [4 of 11](https://www.bankingnewsai.com/banks/arvest#where) | [9](https://www.bankingnewsai.com/banks/arvest#timeline) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| [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 |
| [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 |
| [Home BancShares (Centennial Bank) (this page)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#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 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 Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 6 | 5 | [Arvest (7)](https://www.bankingnewsai.com/banks/arvest) | 3rd of 9 |
| Use cases in production (10%) | 7 | 4.5 | [Seacoast Bank (10)](https://www.bankingnewsai.com/banks/seacoast) | 4th of 9 |
| Own primary disclosures (10%) | 17 | 17.5 | [BankUnited (26)](https://www.bankingnewsai.com/banks/bankunited) | 5th of 9 |
| Dated moves, last 12 months (10%) | 17 | 15.5 | [Simmons Bank (19)](https://www.bankingnewsai.com/banks/simmons) | 4th of 9 |
| Disclosed numbers (5%) | 16 | 12.5 | [Centennial Bank (16)](https://www.bankingnewsai.com/banks/home-bancshares) | 1st of 9 |
| Named AI leaders (5%) | 4 | 8 | [BankUnited (11)](https://www.bankingnewsai.com/banks/bankunited) | 9th of 9 |
| Use cases described (5%) | 10 | 10.5 | [BankUnited (15)](https://www.bankingnewsai.com/banks/bankunited) | 5th of 9 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#roles) |
| [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 |
| [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) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [7, incl. Matt Machen (President and CEO)](https://www.bankingnewsai.com/banks/arvest#people) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) | Employees (call report): 6,087 (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) | Not disclosed | Not surveyed |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) | [10, incl. Charles M. Shaffer (Chairman and CEO)](https://www.bankingnewsai.com/banks/seacoast#people) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [American Banker](https://americanbanker.com/news/seacoast-to-buy-the-bank-of-the-villages-in-florida)) | Full-time-equivalent employees: 1,962 (Dec 31, 2025) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) | 1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240020590A1/en)) | Not surveyed |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [11, incl. Rajinder Singh (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/bankunited#people) ([BankUnited](https://ir.bankunited.com/node/13726/pdf)) | Not disclosed | Not disclosed | Not surveyed |
| [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 |
| [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 |
| [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 |

## 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.

| 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 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 8, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| 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 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 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 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 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 6, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| 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 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Q2 2026 10-Q widens its AI risk language ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026031220/sbcf-20260331.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 22, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 call: staying out of data-centre lending ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html)) |
| 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)) |
| May 5, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| Apr 8, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 20th among US banks on Forbes' World's Best Banks ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) |

## 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.

| Bank | What it has | Since | Scale or result |
| --- | --- | --- | --- |
| Home BancShares | None disclosed; Newgen low-code deposit account opening with no AI feature described | June 2024 | n/a ([Finextra](https://finextra.com/pressarticle/101071/centennial-bank-picks-newgen-to-boost-cx), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Seacoast | Quavo agentic-AI dispute management; Abrigo generative-AI loan review assistant | December 2025; October 2026 case study | Clean credit-review line sheet from 8-10 hours to 4-6 hours ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| BankUnited | SAVI internal assistant on Anthropic's Claude via Amazon Bedrock | Undated AWS case study | ≈ 400 policy documents; 95% reported accuracy ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/)) |
| Bank OZK | Co-developing Fiserv agentOS AI agents | May 2026 | One of four banks named by Fiserv ([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)) |
| Arvest | Google Cloud with Contact Center AI Insights and Document AI named in the 2022 agreement | July 2022 | 40% of targeted applications migrated (April 2025) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) |
| Simmons | Mobile-deposit customer scoring built with Jack Henry | 2025 | Fraud losses down 96% to under one basis point ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) |
| Hancock Whitney | AI Working Group approving use cases; AI tools in the security programme | 2025 10-K | Not disclosed ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |

## 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.

| Bank | AI governance on the record | Document | Date |
| --- | --- | --- | --- |
| Home BancShares | One generative-AI risk sentence, unchanged since the FY2023 10-K; no AI committee or owner named | FY2023-FY2025 10-Ks | February 2024 to February 2026 ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) |
| Hancock Whitney | Board oversight of AI; an AI Working Group that approves use cases; director Suzette Kent, former US Federal CIO, credited with AI experience | 2025 10-K; 2026 proxy | 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)) |
| BankUnited | AI and Data Advisory Group (July 2025); management updates the board Risk Committee on AI models; director AI training in 2025 | 2026 proxy | 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm)) |
| Seacoast | Board Information Technology Committee explicitly assesses AI risk; 'AI-Ready Infrastructure' section; former Fiserv CIO and a sitting Principal Financial CIO on the board | 2026 proxy | April 2026 ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026021408/sbcfpressrelease20260326.htm)) |
| Bank OZK | AI named as a focus area; AI risk factor on opaque models, bias and third-party models | 2025 10-K | February 2026 ([Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f)) |
| Simmons | Risk factor naming agentic AI and third-party model risk; proxy silent on AI | 2025 10-K; 2026 proxy | February and April 2026 ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) |

## 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).

| Bank | Efficiency ratio | Period | Technology context |
| --- | --- | --- | --- |
| Bank OZK | 39.2% | Q2 2026 | Co-developing Fiserv agentOS agents ([Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [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)) |
| Home BancShares | 40.84% | Q3 2026 | Legacy systems converted June 2026; no AI programme ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629)) |
| First Financial Bankshares | 45.94% | Q2 2026 | In-house technology company First Technology Services ([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/36029/000119312526071549/ffin-20251231.htm)) |
| Prosperity | 45.99% | Q2 2026 | Real-time core from February 2026; $75-90 million annual technology spend (CEO estimate) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript)) |
| Simmons | 54.26% adjusted | Q2 2026 | CTO hired May 2025; Better Bank automation ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer)) |
| Seacoast | 54.54% adjusted | Q2 2026 | Outsourced data processing $12.2 million in the quarter ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm)) |
| Hancock Whitney | 55.31% | Q2 2026 | MX-powered mobile app modernisation ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526310272/hwc-ex99_1.htm), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) |

## 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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000112/homb-20260630.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

### 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. ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript), [Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results))

### 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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm), [Home BancShares (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

### 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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2024/05/14/2881916/6997/en/home-bancshares-inc-announces-adjustments-to-management-team-poised-for-the-future.html), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629))

### 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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000055/homb-20260227.htm), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript))

### 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. ([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), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

### 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. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [Yahoo Finance](https://finance.yahoo.com/news/bankunited-bku-q4-2025-earnings-155351688.html), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))

### 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. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

### 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. ([Finextra](https://finextra.com/pressarticle/101071/centennial-bank-picks-newgen-to-boost-cx), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript))

## Peers on this site

- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) · [vs peers](https://www.bankingnewsai.com/banks/bank-ozk/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/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)

## Sources

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73. Home BancShares Reports Record Third Quarter Net Income, Bringing the Company Closer to a Half-Billion-Dollar Year — Home BancShares (GlobeNewswire), Oct 14, 2026. https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html
74. FIRST FINANCIAL BANK TO OPEN FIRST FULL-SERVICE BRANCH IN AUSTIN AREA WITH NEW BEE CAVE BRANCH — First Financial Bankshares (PR Newswire), Sep 29, 2026. 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
75. Simmons First National Corporation to Host Investor Day — Simmons First National, Sep 22, 2026. https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day
76. U.S. Bank's business banking expansion targets the Sun Belt — American Banker, Aug 31, 2026. https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt
77. Hancock Whitney Corporation Quarterly Report on Form 10-Q for the period ended 30 June 2026 — Hancock Whitney (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-20260630.htm
78. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
79. BankUnited, Inc. Quarterly Report on Form 10-Q for June 30, 2026 — SEC EDGAR, Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm
80. First Financial Bankshares, Inc. Form 10-Q for the quarter ended June 30, 2026 — First Financial Bankshares (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/36029/000119312526333027/ffin-20260630.htm
81. Seacoast Banking Corporation of Florida Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Seacoast Banking Corporation of Florida (SEC filings), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm
82. Seacoast Banking Corporation of Florida Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Seacoast Banking Corporation of Florida (SEC filings), May 6, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026031220/sbcf-20260331.htm
83. BankUnited, Inc. Q2 2026 Earnings Call Summary — Yahoo Finance, Jul 23, 2026. https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html
84. Earnings call transcript: Bank OZK tops Q2 2026 estimates on margin gains — Investing.com, Jul 22, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146
85. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
86. Centennial Bank picks Newgen to boost CX — Finextra, Jun 5, 2024. https://finextra.com/pressarticle/101071/centennial-bank-picks-newgen-to-boost-cx
87. Simmons Bank changes the game with mobile deposit scoring — Jack Henry, Sep 10, 2025. https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring
88. Hancock Whitney Corporation 2026 Proxy Statement (Schedule 14A) — Hancock Whitney (SEC filings), Mar 17, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm
89. Seacoast Banking Corporation of Florida 2026 Proxy Statement (Schedule 14A) — Seacoast Banking Corporation of Florida (SEC filings), Apr 10, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm
90. Seacoast Banking Corporation of Florida Appoints Three New Independent Directors (Form 8-K, Exhibit 99.1) — Seacoast Banking Corporation of Florida (SEC filings), Mar 26, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026021408/sbcfpressrelease20260326.htm
91. Simmons First National Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Simmons First National (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm
92. Prosperity (PB) Q1 2026 Earnings Transcript — Earnings call transcript (The Motley Fool), Apr 29, 2026. https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript
93. Simmons Bank hires David Kennedy as Chief Technology Officer — Simmons Bank, May 20, 2025. https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer
94. Home BancShares, Inc. Announces Completion of the Acquisition of Mountain Commerce Bancorp, Inc. — Home BancShares (GlobeNewswire via Yahoo Finance), Apr 1, 2026. https://finance.yahoo.com/markets/stocks/articles/home-bancshares-inc-announces-completion-121500941.html
95. Home BancShares, Inc. Announces Adjustments to Management Team: Poised for the Future — Home BancShares (GlobeNewswire), May 14, 2024. https://globenewswire.com/news-release/2024/05/14/2881916/6997/en/home-bancshares-inc-announces-adjustments-to-management-team-poised-for-the-future.html
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