Merchants Bancorp vs peers
AI and technology compared

Last updated Oct 19, 2026 · 7 peers · 79 sources cited

How does Merchants Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index Merchants Bancorp scores 1.8 (#118 of 120 US banks), last in a group of eight national specialty lenders, where Customers (75.5), Western Alliance (71.8) and Axos (56.7) lead. The gap is real on the record: Merchants' 2025 10-K describes the risks of AI adoption but no AI use of its own, and its 2026 10-Qs do not discuss AI. Its peers count results. Customers says AI workflows saved 28,000 hours in Q1 2026 under a collaboration with OpenAI; Axos says AI writes 90% of its committed code (April 2026); Texas Capital says about 80% of employees used its Ranger assistant in the prior four weeks (April 2026). What Merchants has disclosed is workflow automation from vendors, and vendors have reported the results. Alkami says a new online account-opening flow raised more than $500 million of deposits in six weeks and $680 million in under a year, at 60% lower cost (August 2025). Blue Sage says jumbo correspondent volume rose more than 200% on its lending platform without a matching staff increase (August 2026). Neither vendor claims AI. Merchants runs that model with 735 employees at year-end 2025 and funded $66.3 billion of mortgage warehouse loans in 2025. Technology sits with its chief administrative officer, while Texas Capital hired a chief digital and information officer with AI enablement in his remit in July 2026.[1][2][3][4][5][6][7][8][9]

Data as of Oct 19, 2026 · Merchants Bank of Indiana profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where does Merchants Bank of Indiana lead its peers on AI?

01

A disclosed result from digital deposit gathering

Alkami reports that Merchants' online account opening raised more than $500 million of deposits in six weeks and $680 million in under a year, with account-opening cost down 60% (vendor-reported, August 2025). Axos, the branchless peer, grew deposits partly by purchase: about $2.3 billion from Jenius Bank in May 2026 and about $1.9 billion of Capital One IRAs in September 2026.[6][10][11]

02

Correspondent-lending growth on workflow automation

Blue Sage reports that Merchants' jumbo correspondent volume grew more than 200% after its mid-2025 rollout, handled by the existing team (vendor-reported, August 2026). Hilltop's PrimeLending, the group's other big mortgage originator, reported 15 AI 'MoBots' built over two years (November 2024) and cut fixed costs by about $10 million annualized by Q2 2026.[7][12][13][14]

03

More production systems than most of the group, even without AI

Merchants ranks 3rd of 8 on use cases in production on this site's index (10 against a median of 9): Alkami and MANTL account opening, the Blue Sage lending platform and Clarifire loss-mitigation workflow. The Bancorp, by comparison, describes one AI tool in production, for financial-crimes narratives, built for $300,000 (October 2025).[6][12][15][16]

Where does Merchants Bank of Indiana trail its peers on AI?

01

No AI deployment on the record, while Customers and Live Oak count agents

Merchants' 2025 10-K lists chatbots, fraud detection and credit scoring as industry AI uses but describes none of its own. Customers reports more than 600 agents including custom GPTs and 100% of staff with AI licences (July 2026); Live Oak reports more than 640 agents and skills built by staff (July 2026).[1][17][18]

02

No named technology or AI executive

Merchants' 2026 proxy puts information technology under chief administrative officer Kevin Langford and lists no chief information, data or AI officer. Texas Capital named a chief digital and information officer whose remit includes AI enablement (July 2026), and Customers runs a 40-person AI mobilization team (July 2026).[8][9][17]

03

Fraud losses without a named detection tool

Mortgage fraud or suspected fraud contributed to $46.1 million of charge-offs on 14 customers in Q2 2025, and no detection technology has been named since. Western Alliance projects financial-crimes triage 60% to 80% faster with AI (May 2026), and Customers reports a 50% productivity gain from AI-powered KYC screening (July 2026).[19][20][21][22]

04

No AI in software development, where Axos and Customers report most code is AI-written

Merchants discloses no software engineering function or coding tools; its platforms come from vendors such as Alkami, Blue Sage and Clarifire. Axos says AI writes 90% of its committed code (April 2026) and Customers about 50% of its software code (April 2026); Live Oak says all its developers use Cursor (October 2025).[6][12][15][4][23][24]

05

The thinnest outside coverage in the group

Merchants scores 3 on independent sources against a group median of 8, last of eight, and also last on disclosed numbers (10 against 15). Customers leads both, with coverage of its OpenAI collaboration by American Banker and CNBC in April 2026.[25][3][23]

Where does Merchants Bank of Indiana 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
Customers Bancorp75.5#29 of 120132011 of 1623OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[26][3][27][28]
Western Alliance Bancorporation71.8#32 of 120131416 of 1718Triangle of Fraud Protection and the enterprise AI programme[29][30][31][32]
Axos Financial56.7#50 of 12081610 of 1217Enterprise AI programme, OutSystems Agent Workbench and Arc[4][33][34][35]
Live Oak Bancshares53.1#54 of 12010156 of 1016Casca AI loan origination (Live Oak Express)[36][37][38][39]
Texas Capital Bancshares49.1#60 of 1206178 of 1221Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[40][9][41][5]
Hilltop Holdings30.7#87 of 120896 of 910Not disclosed
The Bancorp, Inc.21.3#96 of 120564 of 1015Not disclosed
Merchants Bancorp (this page)1.8#118 of 12031410 of 1210Not disclosed

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

Each row is one input of the index, counted on the profiles of Merchants Bank of Indiana and the 7 peers that are scored on the same basis. "Place" is Merchants Bank of Indiana's position in the group of 8 (1st = most).

Component (weight)Merchants Bank of IndianaPeer medianMost in the groupPlace
Independent sources (45%)38Customers Bank (13)8th of 8
Use cases in production (10%)108Western Alliance (16)3rd of 8
Own primary disclosures (10%)1415Customers Bank (20)5th of 8
Dated moves, last 12 months (10%)1017Customers Bank (23)7th of 8
Disclosed numbers (5%)1013Customers Bank (23)8th of 8
Named AI leaders (5%)48Western Alliance (12)7th of 8
Use cases described (5%)1212Western Alliance (17)3rd of 8

What has each bank in Merchants Bank of Indiana'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
Merchants BancorpNot disclosed4, incl. Michael F. Petrie (Chairman and CEO)[20]Employees: 735 (424 in central Indiana) at year-end 2025; 663 in 2024; 618 in 2023 (Dec 31, 2025)[1][42][43]Not disclosed1 open AI roles (Oct 14, 2026); most in AI product & strategy
Customers BancorpOpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[26][3][27][28]7, incl. Sam Sidhu (President and CEO, Customers Bancorp)[3][28][44][45]Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026)[3]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Texas Capital BancsharesCloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement[40][9][41][5]8, incl. Rob C. Holmes (President and CEO)[40][46]Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026)[5]Not disclosedNot surveyed
Western Alliance BancorporationTriangle of Fraud Protection and the enterprise AI programme[29][30][31][32]12, incl. Ken Vecchione (Chairman)[47][48][49]Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026)[21]Not disclosed5 open AI roles (Sep 24, 2026); most in AI engineering
Axos FinancialEnterprise AI programme, OutSystems Agent Workbench and Arc[4][33][34][35]11, incl. Gregory Garrabrants (President and CEO)[50][4]Share of committed code written by AI: 90% (Apr 30, 2026)[4]4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family)[51]9 open AI roles (Oct 1, 2026); most in AI engineering
Live Oak BancsharesCasca AI loan origination (Live Oak Express)[36][37][38][39]8, incl. James S. (Chip) Mahan III (Chairman and CEO)[36][52]Employee-built AI agents: More than 300 (Apr 23, 2026)[53]2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine)[54]Not surveyed
The Bancorp, Inc.Not disclosed4, incl. Damian Kozlowski (Chief Executive Officer)[55][56][16]First AI use case: investment and expected cost avoidance: $300,000 invested; about $1.5 million of run-rate expense expected to be avoided (Oct 31, 2025)[16]Not disclosed2 open AI roles (Oct 5, 2026); most in AI product & strategy
Hilltop HoldingsNot disclosed8, incl. Jeremy B. Ford (Chairman, President and Chief Executive Officer)[57]PrimeLending AI tools ('MoBots'): 15, implemented over two years (Nov 1, 2024)[13]Not disclosedNot surveyed

What are the latest dated moves on the AI record of Merchants Bank of Indiana 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 8, 2026Live OakGlia names Live Oak a Catalyst Awards Pacesetter[58]
Oct 7, 2026HilltopHilltopSecurities survey: 50% of public finance leaders use AI daily or weekly[59]
Sep 24, 2026Axos BankProxy: Technology Committee chair named; Axos Clearing head retired[60]
Sep 21, 2026Axos BankCapital One IRA acquisition closes[11]
Sep 16, 2026Western AllianceBarclays conference: 15 AI use cases, top five for 2027[61]
Sep 16, 2026Western AllianceAI team first used to defend against Mythos[61]
Sep 16, 2026Texas CapitalChief risk officer departs; chief credit officer steps in[62]
Sep 8, 2026The BancorpChime says it will buy a bank of its own[63]
Sep 4, 2026The BancorpApex 2030 restructuring: 64 jobs cut, more automation and AI[56]
Aug 27, 2026Merchants Bank of IndianaBlue Sage reports 200%+ jumbo correspondent volume growth[7]
Aug 7, 2026Customers BankQ2 2026 10-Q: no AI language[64][65]
Aug 7, 2026Merchants Bank of IndianaSecond-quarter 2026 10-Q has no AI language[2]
Aug 4, 2026Live OakQ2 10-Q lists AI deployment risk among forward-looking factors[66]
Jul 29, 2026Texas CapitalSecond attempt to redomicile to Texas planned[67]
Jul 24, 2026HilltopQ2 2026 10-Q has no AI language[68]
Jul 24, 2026Customers BankQ2 2026 call: underwriting, KYC and close-cycle results[22]

How does Merchants Bancorp's AI compare with other specialty lenders'?

The AI program each bank has described and the scale it has put on it, with the date. A blank means nothing is disclosed, not that nothing exists.

BankAI programScale disclosedDate
Merchants BancorpNone disclosed; AI appears as a 10-K risk factorNot disclosedFebruary to August 2026[1][2]
Customers BancorpMultiyear OpenAI collaboration; AI mobilization team28,000 hours saved in Q1 2026; 600+ agents; 100% of staff licensedApril and July 2026[3][17]
Axos FinancialEnterprise AI assistant; AI in the software development life cycle90% of committed code written by AI; 500+ assistant usersApril 2026[4]
Texas CapitalRanger assistant; employee-built agentsAbout 80% of employees used Ranger in four weeks; 280 agents by about 64 employeesApril 2026[5]
Western AllianceAI program launch with Microsoft Copilot150,000+ hours saved; $10 million+ productivity valueMay 2026[21]
Live OakAI-native lending platform; staff-built agents; Claude Enterprise pilot640+ agents and skills; 150 super usersJuly 2026[18]
The BancorpAI tools for efficiency; AI-supported financial-crimes narratives$300,000 invested; about $1.5 million of run-rate expense expected to be avoidedOctober 2025[16]
Hilltop HoldingsPrimeLending 'MoBots'15 tools over two yearsNovember 2024[13]

How does Merchants Bancorp's lending technology compare with its peers'?

The origination or onboarding platforms each bank has named, and the result reported. Vendor-reported figures are labelled.

BankPlatformResult reportedDate
Merchants BancorpBlue Sage digital lending platform for jumbo correspondent lending; Clarifire workflow for loss mitigationCorrespondent volume up 200%+ without a matching staff increase (vendor-reported); no AI claimedSeptember 2025; August 2026[12][7][15]
Live OakCasca AI loan origination for Live Oak Express SBA loans under $350,000$82 million of Express originations in Q2 2026, up 63%; target 7 to 10 days from application to fundingApril and July 2026[38][69]
Customers BancorpAI in commercial loan closing (pilot)Closing time 7 days, from 30 to 60July 2026[28]
Texas CapitalMAP mortgage-asset platform with Black Lake Digital Markets; Initio commercial onboardingOnboarding in a few days against an estimated 40-day normJune 2024; 2026[70][41]
Axos FinancialAgent that extracts covenants from commercial loan agreements for attorney reviewNot quantifiedJuly 2025[71]
Hilltop HoldingsPointServ digital documentation inside PrimeLending's Blue Sage origination systemCustomer adoption up 65%+; automated approvals up 15%+February 2025[72]

How does Merchants Bancorp's fraud defense compare with its peers'?

What each bank discloses about fraud losses or AI used in fraud and financial-crimes work.

BankWhat is on the recordDate
Merchants Bancorp$46.1 million of charge-offs on 14 customers linked to appraisals and mortgage fraud; no detection technology named; wire-fraud guidance for customersJuly 2025; December 2024[19][73]
Western AllianceMachine-learning claims screening that prevented 723 million+ fraudulent class-action claims in 2024; AI financial-crimes triage projected 60% to 80% fasterApril 2025; May 2026[30][21]
Customers BancorpAI-powered KYC screening with a 50% productivity gainJuly 2026[22]
The BancorpAI-supported narrative writing in financial-crimes risk managementOctober 2025; July 2026[16][74][75]
Axos Financial10-K risk factor names agentic AI and AI-enabled fraudAugust 2025[76]

Which banks are Merchants Bank of Indiana's peers, and why these?

Merchants Bancorp is compared here with Customers Bancorp, Texas Capital Bancshares, Western Alliance Bancorporation, Axos Financial, Live Oak Bancshares, The Bancorp, Inc. and Hilltop Holdings: chosen by the editors for this page (see the note below the table). Merchants Bancorp is classed as a commercial and business bank in the Midwest.

The computed group was mostly Midwest community and regional banks; Merchants earns its money nationally from mortgage warehouse lending, agency multifamily lending and servicing, so this group holds the specialty national lenders: Texas Capital, Western Alliance and Customers, which also lend to mortgage companies, plus Axos, Live Oak, The Bancorp and Hilltop, which run national niche or mortgage businesses on thin branch networks.

Does Merchants Bancorp use AI?

It has not disclosed any. Its 2025 10-K says AI adoption 'may present significant challenges' and cites chatbots, fraud detection and credit scoring as industry uses, but describes no AI use by the company, and its 2026 10-Qs do not discuss AI. Its disclosed technology is vendor workflow automation: Alkami and MANTL account opening, Blue Sage lending and Clarifire loss mitigation.[1][77][2][6][12][15]

Is Merchants Bancorp behind Customers Bancorp on AI?

On the record, far behind: Customers scores 75.5 on this site's disclosure index against Merchants' 1.8. Customers runs a multiyear collaboration with OpenAI, reports 28,000 hours saved in Q1 2026 and has licensed AI for 100% of staff. Merchants discloses no AI use. Scores measure disclosure, not capability.[3][17][1]

Which specialty lender uses AI most in lending?

On the record, Live Oak and Customers. Live Oak makes SBA loans under $350,000 on Casca's AI origination platform, with $82 million of originations in Q2 2026. Customers says AI cut commercial loan closing to seven days from 30 to 60 in a pilot. Merchants' Blue Sage platform automates correspondent workflow without AI.[38][69][28][7]

How does Merchants Bancorp's technology spending compare?

Merchants does not disclose a technology budget or AI spend. Western Alliance put its 2024 to 2026 technology investment at about $250 million, 10% of revenue (May 2026), and Live Oak reported $9.6 million of technology expense in Q2 2026. Merchants ran a $21.2 billion balance sheet with 735 employees at year-end 2025.[1][21][78][20]

Who runs technology at Merchants Bancorp?

Kevin Langford, executive vice president and chief administrative officer since 2017, oversees information technology and the project delivery team, according to the 2026 proxy. An Information Security Officer under him runs a CIS- and NIST-based program overseen by an IT committee that includes the president and COO. No AI or data officer is named.[8][1]

How does Merchants Bancorp compare with Texas Capital on technology?

Texas Capital rebuilt its technology over four years: 96% of critical infrastructure is in the cloud (October 2025), about 80% of employees used its Ranger assistant in four weeks (April 2026), and it hired a chief digital and information officer with AI enablement in his remit (July 2026). Merchants names no technology executive and relies on vendor platforms.[79][5][9][8][12]

Does Merchants Bancorp use AI against mortgage fraud?

It has not said so. Mortgage fraud or suspected fraud contributed to $46.1 million of charge-offs on 14 customers in Q2 2025, and management said it was enhancing risk management, but no detection technology has been named. Its 10-K lists fraud detection only as an industry AI use case. Peers such as Western Alliance and Customers report AI in financial-crimes and KYC work.[19][1][21][22]

How does Merchants compare with Axos on digital banking?

Axos is branchless and reports $24.6 billion of deposits (June 30, 2026), with AI writing 90% of its committed code. Merchants has seven branches in Indiana and gathers deposits nationally online; Alkami reports its online account opening raised $680 million in under a year. Axos scores 56.7 on this site's AI index, Merchants 1.8.[50][4][1][6]

  1. Merchants Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Merchants Bancorp (SEC filings) · Feb 27, 2026
  2. Merchants Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Merchants Bancorp (SEC filings) · Aug 7, 2026
  3. OpenAI will embed staff at Customers Bank under multiyear deal
    American Banker · Apr 27, 2026
  4. Axos (AX) Q3 2026 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Apr 30, 2026
  5. Texas Capital (TCBI) Q1 2026 Earnings Transcript
    The Motley Fool (Yahoo Finance) · Apr 23, 2026
  6. $500M+ Raised in Deposits in Just 6 Weeks (Merchants Bank of Indiana case study)
    Alkami · Aug 21, 2025
  7. Merchants Bank Grows Jumbo Correspondent Lending Volume Over 200% with Blue Sage
    Blue Sage Solutions · Aug 27, 2026
  8. Merchants Bancorp 2026 Proxy Statement (DEF 14A)
    Merchants Bancorp (SEC filings) · Apr 10, 2026
  9. Texas Capital Appoints Mo Jamous as Chief Digital and Information Officer
    Texas Capital · Jul 13, 2026
  10. Axos Financial, Inc. Form 8-K (Item 2.01: completion of the Jenius Bank deposit acquisition)
    SEC EDGAR · May 4, 2026
  11. Axos Financial, Inc. Form 8-K (Item 2.01: completion of the Capital One IRA deposit acquisition)
    SEC EDGAR · Sep 21, 2026
  12. Merchants Bank Goes Live With Blue Sage's Digital Lending Platform to Power its Jumbo Lending Program
    Blue Sage Solutions (PR Newswire) · Sep 17, 2025
  13. 2024 Tech Trendsetter: Kimberly Hartsough
    HousingWire · Nov 1, 2024
  14. PrimeLending tempers mortgage expectations after Q2 loss
    American Banker · Jul 24, 2026
  15. What's new from Tech100 honoree CLARIFIRE? Security, AI transcription and automation for mortgage servicers
    HousingWire · Dec 18, 2025
  16. Earnings call transcript: The Bancorp Q3 2025 misses EPS forecast, revenue beats
    Investing.com · Oct 31, 2025
  17. Customers Bancorp Q2 2026 Investor Presentation (Form 8-K, Exhibit 99.2)
    Customers Bancorp (SEC filings) · Jul 23, 2026
  18. Earnings call transcript: Live Oak Bancshares tops Q2 2026 estimates
    Investing.com · Jul 23, 2026
  19. Merchants Bancorp Reports Second Quarter 2025 Results
    Merchants Bancorp (PR Newswire) · Jul 28, 2025
  20. Merchants Bancorp Reports Second Quarter of 2026 Results
    Merchants Bancorp (PR Newswire) · Jul 28, 2026
  21. Western Alliance Bancorporation Investor Day 2026 presentation (Form 8-K, Exhibit 99.1)
    Western Alliance Bancorporation (SEC filings) · May 12, 2026
  22. Earnings call transcript: Customers Bancorp posts strong Q2 2026 growth
    Investing.com · Jul 24, 2026
  23. This bank CEO let his AI clone handle an earnings call — now he's signing an OpenAI deal
    CNBC · Apr 27, 2026
  24. Live Oak (LOB) Q3 2025 Earnings Transcript
    earnings call transcript (The Motley Fool) · Oct 23, 2025
  25. Lending niches helped these banks to outperform their peers
    American Banker · Jul 24, 2025
  26. Customers Bank Announces Strategic Collaboration with OpenAI to Redefine the Commercial Banking Operating Model
    Customers Bank (Business Wire) · Apr 27, 2026
  27. Customers Bancorp Q4 2025 Investor Presentation
    Customers Bancorp · Jan 22, 2026
  28. Customers Bancorp Reports Results for Second Quarter 2026
    Customers Bancorp (Business Wire via Morningstar) · Jul 23, 2026
  29. How Truist and Western Alliance deploy AI to fight fraud
    American Banker · Jun 4, 2025
  30. 2025 Digital Payments in Class Actions and Mass Torts
    Western Alliance Bank · Apr 4, 2025
  31. Innovation of the Year 2025: Meet the honorees
    American Banker · May 6, 2025
  32. Western Alliance Bank Launches WA VenueX — Always-On Institutional Liquidity Hub and Financial Platform for the On-Chain Economy
    Business Wire via FT Markets · Jul 24, 2026
  33. OutSystems Announces General Availability of Agent Workbench, Empowering Enterprises to Drive Business Impact with Agentic Systems
    OutSystems (Business Wire) · Sep 30, 2025
  34. Axos Financial, Inc. to Acquire Arc Technologies, Inc.
    Axos Financial · Jul 7, 2026
  35. Axos to buy San Francisco fintech and its AI technology
    American Banker · Jul 7, 2026
  36. Live Oak Ventures Participates in Financing of Cascading AI, Inc.
    Live Oak Bancshares (GlobeNewswire) · Aug 19, 2025
  37. Huntington, Live Oak to invest in, deploy gen AI-based lending
    American Banker · Aug 19, 2025
  38. How AI is quickly overhauling one segment of SBA lending
    American Banker · Apr 28, 2026
  39. Live Oak Bancshares, Inc. Q2 2026 Earnings Call Summary
    Moby via Yahoo Finance · Jul 23, 2026
  40. A Look Ahead with Rob C. Holmes — 2026
    Texas Capital · Jan 7, 2026
  41. Texas Capital Launches MAP
    Texas Capital · May 18, 2026
  42. Merchants Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2024
    Merchants Bancorp (SEC filings) · Feb 28, 2025
  43. Merchants Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2023
    Merchants Bancorp (SEC filings) · Mar 12, 2024
  44. CUBI Q1 2026 Earnings Transcript
    The Motley Fool via Yahoo Finance · Apr 24, 2026
  45. Customers Bancorp Annual Shareholder Letter 2026 (Form 8-K, Exhibit 99.1)
    Customers Bancorp (SEC filings) · Apr 15, 2026
  46. Texas Capital, buoyed by turnaround, to pay first-ever dividend
    American Banker · Apr 23, 2026
  47. Western Alliance Bancorporation Investor Day 2026 presentation
    Western Alliance Bancorporation · May 11, 2026
  48. Western Alliance Appoints CEO Kenneth Vecchione as Chairman
    Business Wire via Yahoo Finance · Jun 15, 2026
  49. Western Alliance Bancorporation (WAL-PA) Q2 FY2026 earnings call transcript
    Yahoo Finance · Jul 22, 2026
  50. Axos Financial, Inc. Reports Fiscal Year 2026 Results
    Axos Financial (Business Wire) · Jul 30, 2026
  51. US20240098082A1: Online Authentication Systems and Methods
    Google Patents (USPTO) · Mar 21, 2024
  52. Live Oak Bancshares, Inc. Reports Second Quarter 2026 Results
    Live Oak Bancshares (GlobeNewswire) · Jul 22, 2026
  53. Live Oak Bancshares, Inc. Q1 2026 Earnings Call Summary
    Moby via Yahoo Finance · Apr 23, 2026
  54. US20250370791A1: Systems and Methods for Dynamic Task Generation
    Google Patents (USPTO) · Dec 4, 2025
  55. Earnings call transcript: The Bancorp Q4 2025 misses EPS forecast, stock drops
    Investing.com · Jan 30, 2026
  56. The Bancorp Advances Apex 2030 Through Continued Organizational Alignment
    The Bancorp (Business Wire via Yahoo Finance) · Sep 4, 2026
  57. Hilltop Holdings Inc. Form 10-K for the fiscal year ended December 31, 2025
    Hilltop Holdings (SEC filing) · Feb 13, 2026
  58. 4 Banks and Credit Unions Recognized for AI Innovation
    Glia (Business Wire via Yahoo Finance) · Oct 8, 2026
  59. Public Finance Leaders Embrace Innovation While Capacity Constraints Persist, 2026 HilltopSecurities Survey Finds
    Business Wire (Yahoo Finance) · Oct 7, 2026
  60. Axos Financial, Inc. Proxy Statement (DEF 14A) for the 2026 annual meeting
    SEC EDGAR · Sep 24, 2026
  61. Western Alliance at Barclays Conference: shift to profits, buybacks (transcript)
    Investing.com · Sep 16, 2026
  62. Form 8-K: departure of Chief Risk Officer (Item 5.02)
    SEC EDGAR · Sep 16, 2026
  63. How the banking-as-a-service model is changing
    American Banker · Sep 21, 2026
  64. Customers Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Customers Bancorp (SEC filings) · Aug 7, 2026
  65. Customers Bancorp, Inc. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Customers Bancorp (SEC filings) · May 8, 2026
  66. Live Oak Bancshares, Inc. Form 10-Q for the quarter ended June 30, 2026
    Live Oak Bancshares (SEC filing) · Aug 4, 2026
  67. Why one bank is determined to reincorporate in Texas
    American Banker · Jul 29, 2026
  68. Hilltop Holdings Inc. Form 10-Q for the quarter ended June 30, 2026
    Hilltop Holdings (SEC filing) · Jul 24, 2026
  69. Live Oak Bancshares Q2 Earnings Call Highlights
    MarketBeat via Yahoo Finance · Jul 23, 2026
  70. Streamlining commercial banking: Nancy McDonnell
    American Banker · Jun 24, 2024
  71. Axos Financial (AX) Q4 2025 Earnings Call Transcript
    The Motley Fool (Yahoo Finance) · Jul 30, 2025
  72. PrimeLending (2025 HW Tech100 winner)
    HousingWire · Feb 3, 2025
  73. Wire Transfer Fraud: How to Spot Them and Protect Your Funds
    Merchants Bank of Indiana · Dec 11, 2024
  74. Bancorp Q2 Earnings Call Highlights
    MarketBeat via Yahoo Finance · Jul 31, 2026
  75. Bancorp (TBBK) Q2 2026 Earnings Call Transcript (earnings call transcript, The Motley Fool)
    The Motley Fool · Jul 31, 2026
  76. Axos Financial, Inc. Annual Report on Form 10-K for the fiscal year ended June 30, 2025
    SEC EDGAR · Aug 21, 2025
  77. Merchants Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
    Merchants Bancorp (SEC filings) · May 7, 2026
  78. Live Oak Bancshares second quarter 2026 earnings release (Form 8-K, Exhibit 99.1)
    Live Oak Bancshares (SEC filing) · Jul 22, 2026
  79. Rob C. Holmes highlights Texas Capital's record growth on Bloomberg's The Close
    Texas Capital · Oct 23, 2025

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