AI index slices · computed from bank profiles via the AI index; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 28, 2026, 45 of the 141 large banks profiled are US banks with consolidated assets between $20bn and $50bn. Ranked by AI index score (/100), the top 5 are Raymond James (84.2 index points), Deutsche Bank (U.S.) (77.7 index points), Customers Bank (77.0 index points), BankUnited (63.7 index points) and Axos Bank (57.1 index points). Raymond James's strongest evidence: Index score 84.2/100: 14 of 16 use cases in production, platform Rai, AI Search and the advisor desktop, 19 independent of 46 sources.
141 banks profiled (120 US, 21 non-US) · 45 with matching evidence · top 30 shown · ranked answer, not a comparison
Which of the US regional banks with $20 billion to $50 billion in assets lead in AI?
| # | Bank | AI index score (/100) | Index components | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | Raymond James | 84.2 | Index score 84.2/100: 14 of 16 use cases in production, platform Rai, AI Search and the advisor desktop, 19 independent of 46 sources | AI programme disclosed | Oct 13, 2026 | Raymond James profile → | Raymond James ↗ · GlobeNewswire via FT Markets ↗ |
| 2 | Deutsche Bank (U.S.) | 77.7 | Index score 77.7/100: 9 of 14 use cases in production, platform Group AI programme (2025–2028 targets) and the Corporate Bank credit process, 19 independent of 45 sources | AI programme disclosed | Oct 13, 2026 | Deutsche Bank (U.S.) profile → | Deutsche Bank ↗ · Deutsche Bank ↗ |
| 3 | Customers Bank | 77.0 | Index score 77.0/100: 11 of 17 use cases in production, platform OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network, 14 independent of 35 sources | AI programme disclosed | Oct 26, 2026 | Customers Bank profile → | Customers Bank (Business Wire) ↗ · American Banker ↗ |
| 4 | BankUnited | 63.7 | Index score 63.7/100: 10 of 15 use cases in production, platform SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre, 7 independent of 37 sources | AI programme disclosed | Oct 19, 2026 | BankUnited profile → | Amazon Web Services ↗ · Talkdesk ↗ |
| 5 | Axos Bank | 57.1 | Index score 57.1/100: 10 of 12 use cases in production, platform Enterprise AI programme, OutSystems Agent Workbench and Arc, 8 independent of 30 sources | AI programme disclosed | Oct 19, 2026 | Axos Bank profile → | The Motley Fool (Yahoo Finance) ↗ · OutSystems (Business Wire) ↗ |
| 6 | Barclays US | 55.9 | Index score 55.9/100: 8 of 12 use cases in production, platform GenAI call summarisation under Barclays' group AI programme, 10 independent of 28 sources | AI programme disclosed | Oct 19, 2026 | Barclays US profile → | Barclays ↗ · American Banker ↗ |
| 7 | FNBO | 53.4 | Index score 53.4/100: 8 of 12 use cases in production, platform Nasdaq Verafin AI agents for financial-crime investigation, 10 independent of 26 sources | AI programme disclosed | Oct 13, 2026 | FNBO profile → | American Banker ↗ · FNBO ↗ |
| 8 | Atlantic Union | 52.9 | Index score 52.9/100: 5 of 12 use cases in production, platform Automated conversion and validation tooling (Sandy Spring integration), 10 independent of 25 sources | AI programme disclosed | Oct 13, 2026 | Atlantic Union profile → | American Banker ↗ · Atlantic Union Bankshares ↗ |
| 9 | First Interstate | 51.5 | Index score 51.5/100: 5 of 11 use cases in production, platform Fiserv agentOS pilot and the 'one clean data source' project, 7 independent of 27 sources | AI programme disclosed | Oct 13, 2026 | First Interstate profile → | American Banker ↗ · MarketBeat (Yahoo Finance) ↗ |
| 10 | WaFd Bank | 50.7 | Index score 50.7/100: 9 of 13 use cases in production, platform Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent, 8 independent of 27 sources | AI programme disclosed | Oct 19, 2026 | WaFd Bank profile → | WaFd, Inc. ↗ · StockStory (Yahoo Finance) ↗ |
| 11 | Texas Capital | 48.0 | Index score 48.0/100: 8 of 12 use cases in production, platform Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement, 6 independent of 24 sources | AI programme disclosed | Oct 19, 2026 | Texas Capital profile → | Texas Capital ↗ · Texas Capital ↗ |
| 12 | First Hawaiian | 47.1 | Index score 47.1/100: 12 of 16 use cases in production, no named platform, 8 independent of 32 sources | AI programme disclosed | Oct 13, 2026 | First Hawaiian profile → | First Hawaiian Bank ↗ · First Hawaiian Bank ↗ |
| 13 | Sallie Mae | 46.1 | Index score 46.1/100: 9 of 12 use cases in production, platform Technology and enablement organisation under Steve Turner, 4 independent of 32 sources | AI programme disclosed | Oct 13, 2026 | Sallie Mae profile → | Sallie Mae ↗ · Sallie Mae ↗ |
| 14 | Fulton | 44.7 | Index score 44.7/100: 10 of 12 use cases in production, no named platform, 6 independent of 34 sources | AI programme disclosed | Oct 13, 2026 | Fulton profile → | Fulton Financial ↗ · Fulton Bank ↗ |
| 15 | Seacoast Bank | 42.2 | Index score 42.2/100: 10 of 11 use cases in production, platform Quavo agentic dispute management and Seacoast's AI-information page, 4 independent of 27 sources | AI programme disclosed | Oct 19, 2026 | Seacoast Bank profile → | Quavo (GlobeNewswire) ↗ · Seacoast Bank ↗ |
| 16 | OceanFirst | 40.6 | Index score 40.6/100: 9 of 16 use cases in production, platform Automation Transformation Office, Copilot and the Databricks data layer, 4 independent of 20 sources | AI programme disclosed | Oct 13, 2026 | OceanFirst profile → | OceanFirst Financial Corp. (SEC filings) ↗ · OceanFirst Financial Corp. (SEC filings) ↗ |
| 17 | Prosperity | 40.5 | Index score 40.5/100: 4 of 8 use cases in production, platform Real-time core (converted February 2026), 6 independent of 24 sources | AI programme disclosed | Oct 13, 2026 | Prosperity profile → | Prosperity Bank ↗ · Prosperity Bank ↗ |
| 18 | TowneBank | 39.3 | Index score 39.3/100: 9 of 12 use cases in production, platform Technology organisation under CIO Varun Chandhok; Talkdesk contact centre, SAS analytics and Microsoft Copilot, 4 independent of 21 sources | AI programme disclosed | Oct 13, 2026 | TowneBank profile → | TowneBank ↗ · TowneBank (from The CEO Magazine) ↗ |
| 19 | Optum Bank | 39.2 | Index score 39.2/100: 7 of 12 use cases in production, platform UnitedHealth Group and Optum enterprise AI programme, 4 independent of 27 sources | AI programme disclosed | Oct 13, 2026 | Optum Bank profile → | UnitedHealth Group ↗ · Optum ↗ |
| 20 | United Community | 39.0 | Index score 39.0/100: 8 of 13 use cases in production, no named platform, 4 independent of 33 sources | AI programme disclosed | Oct 19, 2026 | United Community profile → | United Community Banks ↗ · United Community Banks (SEC filings) ↗ |
| 21 | Bank of Hawaii | 38.2 | Index score 38.2/100: 11 of 15 use cases in production, no named platform, 4 independent of 22 sources | AI programme disclosed | Oct 19, 2026 | Bank of Hawaii profile → | MarketBeat (Yahoo Finance) ↗ · Bank of Hawaii Corporation (SEC filings) ↗ |
| 22 | Hancock Whitney | 37.3 | Index score 37.3/100: 5 of 11 use cases in production, platform MX-powered digital banking modernisation, 4 independent of 24 sources | AI programme disclosed | Oct 13, 2026 | Hancock Whitney profile → | American Banker ↗ · American Banker ↗ |
| 23 | Arvest | 37.2 | Index score 37.2/100: 4 of 11 use cases in production, platform Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY), 7 independent of 22 sources | AI programme disclosed | Oct 13, 2026 | Arvest profile → | Arvest Bank ↗ · Baker Hill (PR Newswire) ↗ |
| 24 | Eastern Bank | 36.6 | Index score 36.6/100: 9 of 13 use cases in production, no named platform, 5 independent of 26 sources | AI programme disclosed | Oct 13, 2026 | Eastern Bank profile → | Eastern Bank ↗ · Eastern Bank ↗ |
| 25 | Banc of California | 34.9 | Index score 34.9/100: 10 of 14 use cases in production, platform BancEdge (formerly Deepstack) payments platform, SmartStreet, 1 independent of 22 sources | AI programme disclosed | Oct 19, 2026 | Banc of California profile → | Los Angeles Business Journal (reprint posted by Banc of California) ↗ · Banc of California ↗ |
| 26 | Commerce | 34.2 | Index score 34.2/100: 6 of 10 use cases in production, platform Enterprise data strategy with an AI pillar; receivables automation for commercial clients, 3 independent of 27 sources | AI programme disclosed | Oct 19, 2026 | Commerce profile → | Commerce Bancshares ↗ · Commerce Bank ↗ |
| 27 | Rockland Trust | 32.4 | Index score 32.4/100: 3 of 10 use cases in production, platform Office of Digital Innovation and AI governance framework, 3 independent of 23 sources | AI programme disclosed | Oct 19, 2026 | Rockland Trust profile → | MarketBeat via Yahoo Finance ↗ · Moby via Yahoo Finance ↗ |
| 28 | First Merchants | 29.3 | Index score 29.3/100: 9 of 11 use cases in production, no named platform, 3 independent of 26 sources | AI programme disclosed | Oct 13, 2026 | First Merchants profile → | First Merchants Corporation (GlobeNewswire via Yahoo Finance) ↗ · MarketBeat (Yahoo Finance) ↗ |
| 29 | Bank OZK | 29.1 | Index score 29.1/100: 4 of 8 use cases in production, no named platform, 5 independent of 28 sources | AI programme disclosed | Oct 19, 2026 | Bank OZK profile → | Bank OZK ↗ · Bank OZK ↗ |
| 30 | Beacon Bank | 28.7 | Index score 28.7/100: 8 of 10 use cases in production, no named platform, 6 independent of 28 sources | AI programme disclosed | Oct 13, 2026 | Beacon Bank profile → | Beacon Financial (GlobeNewswire) ↗ · Beacon Financial (PR Newswire) ↗ |
Each row quotes one record from bank profiles via the AI index; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the AI disclosure index (/banks/ai-index): eight components of the public record on AI (independent coverage, use cases in production, a named platform, own disclosures, moves in the last twelve months, numbers, leaders, use cases described), each a percentile rank; peer group: US banks with consolidated assets between $20bn and $50bn.
Rule: The peer group filtered from the index, in index order (score, then independent coverage, then assets). The score is the bank's percentile rank on each component against the full index set, weighted and summed; a bank that has disclosed no AI programme is capped at 30.
Counts: 45 of 141 profiled banks qualify; the table shows the top 30; 60 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.
What are the caveats?
The index measures depth of the public record, not capability; a bank that builds quietly ranks below one that publishes.
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
Raymond James Financial leads with 84.2 index points: Index score 84.2/100: 14 of 16 use cases in production, platform Rai, AI Search and the advisor desktop, 19 independent of 46 sources. Deutsche Bank (U.S.) is second with 77.7.
How many large banks with $20-50bn in assets rank on the AI index?
45 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 30. Among those listed, 30 are US banks and 0 non-US groups.
What counts, and what does not?
The peer group filtered from the index, in index order (score, then independent coverage, then assets). The score is the bank's percentile rank on each component against the full index set, weighted and summed; a bank that has disclosed no AI programme is capped at 30. Source: the AI disclosure index (/banks/ai-index): eight components of the public record on AI (independent coverage, use cases in production, a named platform, own disclosures, moves in the last twelve months, numbers, leaders, use cases described), each a percentile rank; peer group: US banks with consolidated assets between $20bn and $50bn.
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-28 (bank profiles via the AI index). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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