# Which US banks with $50 billion to $100 billion in assets lead in AI?

Source: https://www.bankingnewsai.com/banks/leaders/top-ai-banks-50-100bn
Last updated: Oct 30, 2026


Checked 2026-10-28 · bank profiles via the AI index. Nothing on this page is written by a model: every row is computed from that dataset.

On the public record as of Oct 28, 2026, 20 of the 141 large banks profiled are US banks with consolidated assets between $50bn and $100bn. Ranked by AI index score (/100), the top 5 are SoFi (81.7 index points), CIBC (77.4 index points), Valley (76.2 index points), SouthState (71.2 index points) and Western Alliance (71.1 index points). SoFi's strongest evidence: Index score 81.7/100: 14 of 17 use cases in production, platform SoFi Coach, Composer by SoFi and the Galileo / Technisys stack, 15 independent of 50 sources.

## Which of the US banks with $50 billion to $100 billion in assets lead in AI?

| # | Bank | AI index score (/100) | Index components | Status | Date | On this site | Sources |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | [SoFi](https://www.bankingnewsai.com/banks/sofi) | 81.7 | Index score 81.7/100: 14 of 17 use cases in production, platform SoFi Coach, Composer by SoFi and the Galileo / Technisys stack, 15 independent of 50 sources | AI programme disclosed | Oct 26, 2026 | [SoFi profile](https://www.bankingnewsai.com/banks/sofi) | [American Banker](https://americanbanker.com/news/sofi-targets-bank-deposits-with-consumer-facing-ai); [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606020900BIZWIRE_USPRX____20260602_BW942219-1) |
| 2 | [CIBC](https://www.bankingnewsai.com/banks/cibc-us) | 77.4 | Index score 77.4/100: 14 of 17 use cases in production, platform CAI, the CIBC AI platform, plus Smart Library and the Agents Marketplace, 12 independent of 40 sources | AI programme disclosed | Oct 26, 2026 | [CIBC profile](https://www.bankingnewsai.com/banks/cibc-us) | [CIBC](https://cibc.com/en/about-cibc/future-banking/ai/leadership/scaling-ai-cai-platform.html); [CIBC](https://www.cibc.com/en/about-cibc/future-banking/ai/leadership/enterprise-generative-ai.html) |
| 3 | [Valley](https://www.bankingnewsai.com/banks/valley) | 76.2 | Index score 76.2/100: 13 of 17 use cases in production, platform Cloud-first infrastructure, Valley's AI Assistant and tiered access, 11 independent of 37 sources | AI programme disclosed | Oct 13, 2026 | [Valley profile](https://www.bankingnewsai.com/banks/valley) | [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/); [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking) |
| 4 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | 71.2 | Index score 71.2/100: 10 of 20 use cases in production, platform Copilot at scale, tested models, and Fiserv agentOS agents, 12 independent of 33 sources | AI programme disclosed | Oct 13, 2026 | [SouthState profile](https://www.bankingnewsai.com/banks/southstate) | [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear); [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies) |
| 5 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | 71.1 | Index score 71.1/100: 16 of 17 use cases in production, platform Triangle of Fraud Protection and the enterprise AI programme, 13 independent of 32 sources | AI programme disclosed | Oct 19, 2026 | [Western Alliance profile](https://www.bankingnewsai.com/banks/western-alliance) | [American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud); [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf) |
| 6 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | 68.7 | Index score 68.7/100: 7 of 16 use cases in production, platform ChatFHN and the Enterprise Data Hub, 17 independent of 35 sources | AI programme disclosed | Oct 13, 2026 | [First Horizon profile](https://www.bankingnewsai.com/banks/first-horizon) | [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking); [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank) |
| 7 | [Webster](https://www.bankingnewsai.com/banks/webster) | 68.5 | Index score 68.5/100: 7 of 11 use cases in production, platform Category IV readiness: data, cyber and open banking, 14 independent of 41 sources | AI programme disclosed | Oct 13, 2026 | [Webster profile](https://www.bankingnewsai.com/banks/webster) | [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/); [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1) |
| 8 | [Old National](https://www.bankingnewsai.com/banks/old-national) | 65.4 | Index score 65.4/100: 10 of 14 use cases in production, platform Vendor-delivered automation on an acquisition-built bank, 9 independent of 36 sources | AI programme disclosed | Oct 19, 2026 | [Old National profile](https://www.bankingnewsai.com/banks/old-national) | [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award); [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5) |
| 9 | [City National](https://www.bankingnewsai.com/banks/city-national) | 65.3 | Index score 65.3/100: 5 of 10 use cases in production, platform RBC Borealis and the parent's AI programme, 17 independent of 40 sources | AI programme disclosed | Oct 13, 2026 | [City National profile](https://www.bankingnewsai.com/banks/city-national) | [RBC](https://jobs.rbc.com/ca/en/preparing-our-workforce-for-a-future-with-ai); [PYMNTS](https://www.pymnts.com/artificial-intelligence-2/2026/rbc-embeds-ai-at-the-core-of-banking-aiming-for-1-billion-in-returns/) |
| 10 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | 65.3 | Index score 65.3/100: 8 of 14 use cases in production, platform Flagstar S2 Platform and StarIQ, 14 independent of 30 sources | AI programme disclosed | Oct 13, 2026 | [Flagstar profile](https://www.bankingnewsai.com/banks/flagstar) | [Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx); [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/) |
| 11 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | 63.6 | Index score 63.6/100: 15 of 16 use cases in production, platform Integration-built infrastructure, not a disclosed AI platform, 10 independent of 30 sources | AI programme disclosed | Oct 13, 2026 | [Columbia profile](https://www.bankingnewsai.com/banks/columbia) | [American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one); [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1) |
| 12 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 59.1 | Index score 59.1/100: 9 of 15 use cases in production, platform eStore, the Common app and FNB's data hub, 6 independent of 33 sources | AI programme disclosed | Oct 19, 2026 | [FNB profile](https://www.bankingnewsai.com/banks/fnb) | [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/); [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918) |
| 13 | [Zions](https://www.bankingnewsai.com/banks/zions) | 58.4 | Index score 58.4/100: 10 of 16 use cases in production, platform A modern core plus a Gemini-based enterprise AI platform, 11 independent of 24 sources | AI programme disclosed | Oct 13, 2026 | [Zions profile](https://www.bankingnewsai.com/banks/zions) | [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation); [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins) |
| 14 | [Associated](https://www.bankingnewsai.com/banks/associated) | 57.2 | Index score 57.2/100: 4 of 11 use cases in production, platform Line-of-business AI under a chief data officer / CIO, 11 independent of 33 sources | AI programme disclosed | Oct 13, 2026 | [Associated profile](https://www.bankingnewsai.com/banks/associated) | [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking); [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/) |
| 15 | [Frost](https://www.bankingnewsai.com/banks/frost) | 49.8 | Index score 49.8/100: 7 of 9 use cases in production, platform Frost mobile app and Blend digital origination, 7 independent of 26 sources | AI programme disclosed | Oct 13, 2026 | [Frost profile](https://www.bankingnewsai.com/banks/frost) | [Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/); [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1) |
| 16 | [East West](https://www.bankingnewsai.com/banks/east-west) | 48.8 | Index score 48.8/100: 8 of 10 use cases in production, platform In-house US–Hong Kong payments and partner technology, 7 independent of 24 sources | AI programme disclosed | Oct 13, 2026 | [East West profile](https://www.bankingnewsai.com/banks/east-west) | [East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226); [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/) |
| 17 | [UMB](https://www.bankingnewsai.com/banks/umb) | 47.6 | Index score 47.6/100: 9 of 10 use cases in production, platform Integration first: the Heartland systems conversion, 7 independent of 23 sources | AI programme disclosed | Oct 19, 2026 | [UMB profile](https://www.bankingnewsai.com/banks/umb) | [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank); [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october) |
| 18 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 41.7 | Index score 41.7/100: 4 of 6 use cases in production, no named platform, 9 independent of 29 sources | AI programme disclosed | Oct 13, 2026 | [BOK Financial profile](https://www.bankingnewsai.com/banks/bok-financial) | [BOK Financial (The Statement)](https://www.bokfinancial.com/about-us/newsroom/articles/community_from-wildcatting-to-data-mapping); [BOK Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/875357/000087535726000013/bokf-20251231.htm) |
| 19 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | 38.4 | Index score 38.4/100: 7 of 9 use cases in production, no named platform, 8 independent of 25 sources | AI programme disclosed | Oct 19, 2026 | [Wintrust profile](https://www.bankingnewsai.com/banks/wintrust) | [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/); [Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546) |
| 20 | [Popular](https://www.bankingnewsai.com/banks/popular) | 31.1 | Index score 31.1/100: 9 of 11 use cases in production, no named platform, 5 independent of 21 sources | AI programme disclosed | Oct 19, 2026 | [Popular profile](https://www.bankingnewsai.com/banks/popular) | [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en); [IBM](https://www.ibm.com/case-studies/banco-popular) |

## 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 $50bn and $100bn.

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: 20 of 141 profiled banks qualify; 40 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.

## FAQ

### Which bank ranks first?

SoFi Technologies leads with 81.7 index points: Index score 81.7/100: 14 of 17 use cases in production, platform SoFi Coach, Composer by SoFi and the Galileo / Technisys stack, 15 independent of 50 sources. CIBC is second with 77.4.

### How many large banks with $50-100bn in assets rank on the AI index?

20 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 20 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 $50bn and $100bn.

### 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.

## Related questions

- [Which US banks with $100 billion to $500 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-100-500bn)
- [Which US regional banks with $20 billion to $50 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-20-50bn)
- [Which large banks are the leaders in AI?](https://www.bankingnewsai.com/banks/leaders/ai)
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- [Which US community and mid-size banks under $20 billion in assets lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-under-20bn)
- [Which non-US banking groups lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-non-us)
- [Which UK banks lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-uk)
- [Which Canadian banks lead in AI?](https://www.bankingnewsai.com/banks/leaders/top-ai-banks-canada)
- [All ranked answers](https://www.bankingnewsai.com/banks/leaders)

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