# National Bank Holdings Corporation vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/national-bank-holdings/vs-peers
Last updated: Oct 19, 2026

*Part of the [National Bank Holdings Corporation AI strategy profile](https://www.bankingnewsai.com/banks/national-bank-holdings). Peer group: FirstSun Capital Bancorp, UMB Financial, Commerce Bancshares, Central Bancompany, First Busey Corporation, Enterprise Financial Services Corp, First Interstate BancSystem, Glacier Bancorp.*

## How does National Bank Holdings Corporation compare with its peers on AI and technology?

On this site's AI disclosure index National Bank Holdings scores 2 (#115 of 120 US banks), eighth in a nine-bank group of Mountain West and Kansas City-region banks led by First Interstate (51.3), UMB (47.9) and Busey (44.9), and roughly level with FirstSun (2.1) and Glacier (2) at the bottom. NBHC's filings treat AI as a risk and competitive factor only: its 2025 10-K, filed February 24, 2026, lists the ability to invest in technologies such as AI among factors affecting results and warns that AI has increased the potential for fraud. It names no AI tool, vendor, budget or AI leader. What sets it apart is a bet on digital small-business banking: 2UniFi, launched in July 2025 with automated SBA working-capital loans and sweep deposits, cost $22 million in 2025 and is guided to $20 million to $22 million of expense against $2 million to $4 million of revenue in 2026, and CEO Tim Laney called its revenue 'underwhelming to date' on July 22, 2026. Its chief enterprise technology officer said in January 2026 that 2UniFi's Snowflake and Azure data architecture 'will support AI-driven, customizable data sets', a plan rather than a launched feature. Peers have more AI in use: First Interstate is piloting a Fiserv agentOS agent for commercial loan onboarding, Busey named a director of AI in April 2026 and reports Glia voice AI handling 61.5% of calls, and Commerce's 2025 annual report sets out an AI pillar in its enterprise data strategy. NBHC's board-level structure is clearer than most: its Audit & Risk Committee gets quarterly AI updates and an Emerging Technologies Sub-Committee oversees new technologies. ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm))

## Where does National Bank Holdings lead its peers on AI?

- **A board sub-committee for emerging technology, which FirstSun and Glacier do not disclose.** NBHC's 2026 proxy says the Audit & Risk Committee is updated quarterly on information security, cybersecurity trends and AI, and a four-director Emerging Technologies Sub-Committee chaired by Art Zeile oversees the risks and strategic fit of new technologies. FirstSun and Glacier disclose no AI programme, leader or oversight body beyond 10-K risk language. ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867125000113/investorpresentation0930.htm))
- **A separately built digital small-business platform, with usage figures.** NBHC is the only bank in the group running a stand-alone digital platform for small businesses: 2UniFi drew more than 1,300 user applications by April 22, 2026, with weekly applications up from about 40 to nearly 400, and full applications rose 800% in the second quarter. Busey's comparable non-bank unit, FirsTech, is a payments business. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-beats-q1-2026-eps-forecasts-93CH-4630113), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))
- **More independent coverage than the group median.** NBHC scores 4 on independent sources, fourth of nine against a group median of 3.5 and ahead of Commerce (3), Glacier (3) and Central Bancompany (2), largely from earnings-call transcripts that record 2UniFi's costs, applications and the CEO's own verdict on its revenue. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-beats-q1-2026-eps-forecasts-93CH-4630113), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/national-bank-nbhc-q4-2025-145931139.html))

## Where does National Bank Holdings trail its peers on AI?

- **No AI tool in use, while First Interstate, Busey and Central Bancompany run one.** NBHC describes 2UniFi's lending as automated, not AI, and names no AI tool. First Interstate is piloting a Fiserv agentOS agent for commercial loan onboarding, Busey's contact center uses Glia voice AI on 61.5% of calls, and Central Bancompany runs Personetics' AI-driven insights in digital banking. ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking))
- **No named AI leader, unlike Busey.** NBHC's technology is led by Chief Enterprise Technology Officer John Finn, who co-leads 2UniFi, and its 10-K says the chief technology officer reports to the CEO; no AI role is named. Busey named Adrianne Bernini its first director of AI, data science and insights in April 2026, with a mandate for responsible AI and ML models. ([The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/national-bank-nbhc-q4-2025-145931139.html), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights))
- **A digital bet with revenue still far below cost.** 2UniFi cost $13 million in 2024 and $22 million in 2025 and is guided to $20 million to $22 million in 2026 against $2 million to $4 million of revenue; on October 1, 2026 NBHC disclosed an expected $4.0 million impairment on a fintech partnership investment. Commerce, by contrast, reports 82% digital penetration on its existing bank platform. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-q4-2024-beats-eps-stock-dips-93CH-3872376), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926112856/nbhc-20260928x8k.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))
- **No AI roadmap, while Commerce has written one.** NBHC's AI plans are one remark on the January 2026 call about AI-driven data sets in 2UniFi. Commerce's 2025 annual report describes an AI pillar inside its enterprise data strategy, a written AI roadmap and a data-platform modernization, and says it is actively exploring AI-enabled tools for trust and investment work. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf))

## Where does National Bank Holdings 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | [51.3](https://www.bankingnewsai.com/banks/ai-index) | #56 of 120 | [7](https://www.bankingnewsai.com/banks/first-interstate#sources) | [17](https://www.bankingnewsai.com/banks/first-interstate#sources) | [5 of 11](https://www.bankingnewsai.com/banks/first-interstate#where) | [21](https://www.bankingnewsai.com/banks/first-interstate#timeline) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([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), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | [44.9](https://www.bankingnewsai.com/banks/ai-index) | #64 of 120 | [4](https://www.bankingnewsai.com/banks/busey#sources) | [21](https://www.bankingnewsai.com/banks/busey#sources) | [10 of 13](https://www.bankingnewsai.com/banks/busey#where) | [13](https://www.bankingnewsai.com/banks/busey#timeline) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | [34.4](https://www.bankingnewsai.com/banks/ai-index) | #83 of 120 | [1](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [26](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [10 of 13](https://www.bankingnewsai.com/banks/enterprise-bank#where) | [16](https://www.bankingnewsai.com/banks/enterprise-bank#timeline) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |
| [FirstSun Capital Bancorp](https://www.bankingnewsai.com/banks/firstsun) | [2.1](https://www.bankingnewsai.com/banks/ai-index) | #113 of 120 | [5](https://www.bankingnewsai.com/banks/firstsun#sources) | [14](https://www.bankingnewsai.com/banks/firstsun#sources) | [1 of 5](https://www.bankingnewsai.com/banks/firstsun#where) | [14](https://www.bankingnewsai.com/banks/firstsun#timeline) | Not disclosed |
| [National Bank Holdings Corporation (this page)](https://www.bankingnewsai.com/banks/national-bank-holdings) | [2](https://www.bankingnewsai.com/banks/ai-index) | #115 of 120 | [4](https://www.bankingnewsai.com/banks/national-bank-holdings#sources) | [15](https://www.bankingnewsai.com/banks/national-bank-holdings#sources) | [6 of 8](https://www.bankingnewsai.com/banks/national-bank-holdings#where) | [13](https://www.bankingnewsai.com/banks/national-bank-holdings#timeline) | Not disclosed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |

## On which parts of the AI record is National Bank Holdings ahead of or behind its peers?

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

| Component (weight) | National Bank Holdings | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 4 | 3.5 | [UMB (7)](https://www.bankingnewsai.com/banks/umb) | 4th of 9 |
| Use cases in production (10%) | 6 | 7.5 | [Busey Bank (10)](https://www.bankingnewsai.com/banks/busey) | 6th of 9 |
| Own primary disclosures (10%) | 15 | 17.5 | [Enterprise Bank & Trust (26)](https://www.bankingnewsai.com/banks/enterprise-bank) | 6th of 9 |
| Dated moves, last 12 months (10%) | 13 | 14.5 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 7th of 9 |
| Disclosed numbers (5%) | 11 | 13 | [Central Bank (15)](https://www.bankingnewsai.com/banks/central-bancompany) | 7th of 9 |
| Named AI leaders (5%) | 6 | 6.5 | [UMB (11)](https://www.bankingnewsai.com/banks/umb) | 5th of 9 |
| Use cases described (5%) | 8 | 10.5 | [Busey Bank (13)](https://www.bankingnewsai.com/banks/busey) | 8th of 9 |

## What has each bank in National Bank Holdings'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 |
| --- | --- | --- | --- | --- | --- |
| [National Bank Holdings Corporation](https://www.bankingnewsai.com/banks/national-bank-holdings) | Not disclosed | [6, incl. Tim Laney (Chairman and Chief Executive Officer)](https://www.bankingnewsai.com/banks/national-bank-holdings#people) ([National Bank Holdings Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/01/07/3214345/0/en/National-Bank-Holdings-Corporation-Completes-Acquisition-of-Vista-Bancshares-Inc-and-Vista-Bank.html), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/national-bank-nbhc-q4-2025-145931139.html)) | 2UniFi user applications: Over 1,300 year to date; weekly applications up from about 40 to nearly 400 (Apr 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-beats-q1-2026-eps-forecasts-93CH-4630113)) | Not disclosed | Not surveyed |
| [FirstSun Capital Bancorp](https://www.bankingnewsai.com/banks/firstsun) | Not disclosed | [6, incl. Neal Arnold (CEO and President)](https://www.bankingnewsai.com/banks/firstsun#people) ([American Banker](https://www.americanbanker.com/news/firstsuns-boosts-outlook-on-impact-of-first-foundation-deal), [StockStory via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/q2-rundown-firstsun-capital-bancorp-163010669.html)) | AI passages in the 10-K: 6 in the 2025 report; 2 in the 2024 report (Mar 6, 2026) ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944225000008/fcb-20241231.htm)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([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), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | Not disclosed | Not surveyed |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) | [8, incl. Van A. Dukeman (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/busey#people) ([First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [First Busey Corporation (GlobeNewswire)](https://ir.busey.com/news-releases/news-release-details/busey-dukeman-agree-contract-extension/)) | Not disclosed | Not disclosed | Not surveyed |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) | [5, incl. James B. Lally (President and CEO)](https://www.bankingnewsai.com/banks/enterprise-bank#people) ([Enterprise Financial Services Corp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/enterprise-financial-services-corp-reports-200500224.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/enterprise-financial-services-q2-earnings-160738590.html)) | Not disclosed | Not disclosed | Not surveyed |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) | [9, incl. Jim Reuter (President and CEO)](https://www.bankingnewsai.com/banks/first-interstate#people) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [American Banker](https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth)) | Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | Not disclosed | Not surveyed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of National Bank Holdings 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 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| Oct 1, 2026 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 8-K: $4.0 million impairment on a FinTech partnership investment ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926112856/nbhc-20260928x8k.htm)) |
| Sep 21, 2026 | [FirstSun](https://www.bankingnewsai.com/banks/firstsun) | First Foundation customers move to Sunflower systems ([Sunflower Bank](https://sunflowerbank.com/merger-updates)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 21, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 10, 2026 | [FirstSun](https://www.bankingnewsai.com/banks/firstsun) | Q2 10-Q: risk factors unchanged ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000046/fcb-20260630.htm)) |
| Aug 6, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| Aug 6, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm)) |
| Aug 5, 2026 | [National Bank Holdings](https://www.bankingnewsai.com/banks/national-bank-holdings) | 10-Q: AI wording unchanged ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000027/nbhc-20260331x10q.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926091272/nbhc-20260630x10q.htm)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 3, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Q2 2026 10-Q: no material change to risk factors ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm)) |
| Aug 3, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | Microsoft Copilot course for clients ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 28, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 investor presentation: AI in the CFO's portfolio ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm)) |

## How does National Bank Holdings' AI compare with its regional peers'?

What each bank in the group has put on the record about AI, who owns it and what the board oversees. A blank means nothing is disclosed, not that nothing exists.

| Bank | AI in use or planned | Who owns technology or AI | Board or filing language |
| --- | --- | --- | --- |
| National Bank Holdings | None in use; AI-driven data sets planned for 2UniFi (January 2026) | Chief Enterprise Technology Officer John Finn | Quarterly AI updates to the Audit & Risk Committee; Emerging Technologies Sub-Committee ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/national-bank-nbhc-q4-2025-145931139.html), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm)) |
| First Interstate | Fiserv agentOS agent for commercial loan onboarding (pilot); 'one clean data source' project | CEO Jim Reuter reports the pilot results | AI risk in the 10-K ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000011/fibk-20251231.htm)) |
| UMB | Machine learning deployed across the organization, per the CEO (Q1 2026 call) | EVP Uma Wilson, chief information, bank product and operations officer | AI under a Technology, Operations, Privacy and Security Committee (10-K) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm)) |
| Busey | Glia voice AI on 61.5% of calls; AI-powered fraud and threat detection | Adrianne Bernini, director of AI, data science and insights | Failure to adopt or govern generative AI named as a competitive risk ([The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| Commerce | AI-driven receivables automation for clients; AI tools explored for trust work | Not named | AI pillar in the enterprise data strategy; written AI roadmap (2025 annual report) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) |
| Central Bancompany | Personetics AI-driven insights in digital banking (from March 2024) | In-house technology division | Not disclosed ([Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking), [Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000110465925098752/tm2512009-9_s1.htm)) |
| Enterprise | An 'automation journey' converting manual procedures into automated workflows | Not named | Investor decks list integrating AI and fintech partnerships among strengths ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000076/projectcolerinvestorpres.htm), [Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000119/efscfixedincomeinvestord.htm)) |
| FirstSun | None disclosed | Not named | Six AI passages in the 2025 10-K, including AI-assisted fraud and robo-advice competition ([FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm)) |

## How does 2UniFi compare with other digital small-business offerings?

NBHC built 2UniFi as a separate national platform for small and medium-sized businesses. What it and the digital lenders and banks it meets have disclosed.

| Provider | Offering | Scale or result disclosed | Date |
| --- | --- | --- | --- |
| 2UniFi (NBHC) | Automated SBA working-capital loans and an automated sweep deposit account; Nav partnership | 1,300+ user applications by April 2026; full applications up 800% in Q2 2026; 2026 revenue guided at $2 million to $4 million | July 2025 launch; April and July 2026 ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [National Bank Holdings Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2025/07/21/3119035/0/en/2UniFi-and-Nav-Team-Up-to-Power-Growth-for-Small-Business.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-beats-q1-2026-eps-forecasts-93CH-4630113), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385)) |
| Live Oak Express | SBA loans under $350,000 on an AI-native origination platform | $82 million originated in Q2 2026 | July 2026 ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending)) |
| Bluevine | Small-business checking and lines of credit, being acquired by Valley National | About 175,000 active customers and $2.1 billion of deposits; about 80% of inbound inquiries contained by AI | June and September 2026 ([Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [Valley National Bancorp](https://www.valley.com/content/dam/valley/pdfs/bluevine/Accelerating%20Valleys%20National%20Digital%20Banking%20Franchise.pdf)) |
| Square (Block) | Payments, point-of-sale software and banking for sellers | Managerbot AI business agent for sellers | 2026 ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Square](https://squareup.com/us/en/press/managerbot-open-beta)) |

## What technology work are National Bank Holdings and its peers doing in 2026?

For most of the group the visible technology programme in 2025 and 2026 is converting acquired banks.

| Bank | Deal | Closed | Conversion |
| --- | --- | --- | --- |
| National Bank Holdings | Vista Bancshares, about $377.4 million | January 7, 2026 | Systems integration scheduled for the third quarter of 2026 ([National Bank Holdings Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/01/07/3214345/0/en/National-Bank-Holdings-Corporation-Completes-Acquisition-of-Vista-Bancshares-Inc-and-Vista-Bank.html)) |
| FirstSun | First Foundation | April 1, 2026 | Core conversion in September 2026 ([FirstSun Capital Bancorp (Business Wire)](https://www.businesswire.com/news/home/20260331761127/en/FirstSun-Capital-Bancorp-and-First-Foundation-Inc.-Complete-Merger), [Sunflower Bank](https://sunflowerbank.com/merger-updates)) |
| UMB | Heartland Financial, $2 billion | January 31, 2025 | Completed October 2025 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [Banking Dive](https://www.bankingdive.com/news/umb-bank-acquisitions-kemper-htlf-consolidation-wealth/740518/)) |
| Glacier | Guaranty Bancshares (Texas), $476 million in stock | October 1, 2025 | Run as Glacier's 18th division ([Glacier Bancorp (GlobeNewswire)](https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html), [American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal)) |
| Commerce | FineMark Holdings, $585 million | January 1, 2026 | Not disclosed ([American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235626000190/cbsh-20260630.htm)) |

## Which banks are National Bank Holdings's peers, and why these?

National Bank Holdings Corporation is compared here with FirstSun Capital Bancorp, UMB Financial, Commerce Bancshares, Central Bancompany, First Busey Corporation, Enterprise Financial Services Corp, First Interstate BancSystem and Glacier Bancorp: chosen by the editors for this page (see the note below the table). National Bank Holdings Corporation is classed as a regional or retail-commercial bank in the West.

The computed group mixed in West Coast, Ohio, Oklahoma and Pennsylvania banks; this group holds the Mountain West and Kansas City-region banks NBHC meets in its Colorado, Kansas-Missouri, Wyoming, Utah and Idaho markets (FirstSun, UMB, Commerce, Central Bancompany, Busey, Enterprise, First Interstate, Glacier), all commercial banks built largely by acquisition.

## Common questions

### Does National Bank Holdings use AI?

Not that it has disclosed. Its 2025 10-K and 2026 10-Qs mention AI as a technology to invest in, a source of information-security risk and a driver of fraud. NBH describes 2UniFi's SBA lending as automated, not AI, and its technology chief said in January 2026 that 2UniFi's data architecture will support AI-driven data sets in future releases. ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926091272/nbhc-20260630x10q.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript))

### What is 2UniFi and how is it doing?

2UniFi is NBHC's national digital platform for small and medium-sized businesses, launched in July 2025 with automated SBA working-capital loans and a sweep deposit account. Applications grew sharply in 2026, up 800% in the second quarter, but the CEO said many did not fit the bank's credit profile and called revenue 'underwhelming to date'; 2026 revenue is guided at $2 million to $4 million. ([National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript))

### Is National Bank Holdings better than UMB at AI?

The record cannot settle capability, but UMB has put more on it: 47.9 on this site's disclosure index against NBHC's 2. UMB's CEO said on the Q1 2026 call that machine learning is deployed across the organization, and its 10-K places AI under a board Technology, Operations, Privacy and Security Committee. NBHC names no AI tool in use. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm))

### How does National Bank Holdings compare with First Interstate on AI?

First Interstate scores 51.3 on this site's index, the highest in the group by a clear margin. It is piloting an AI agent for commercial loan onboarding co-created with Fiserv and OpenAI and is building 'one clean data source' to support AI. NBHC, at 2, has a planned AI data layer for 2UniFi but no AI tool in production on the record. ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript))

### Who leads technology and AI at National Bank Holdings?

John Finn, Chief Enterprise Technology Officer, leads technology and co-leads 2UniFi; the 10-K says the chief technology officer reports to the CEO and the CISO to Chief Risk Management Officer Richard Newfield. At board level, director Art Zeile chairs an Emerging Technologies Sub-Committee. No AI-specific executive is named. ([The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/national-bank-nbhc-q4-2025-145931139.html), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000147584126000013/nbhc-20260507xdef14a.htm))

### How does National Bank Holdings' technology spending compare with its peers'?

NBHC discloses no total technology budget, but it reports 2UniFi's cost: $13 million in 2024, $22 million in 2025 and $20 million to $22 million guided for 2026. None of its regional peers discloses a technology or AI budget; Busey reports data processing expense of $43.2 million for 2025. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-q4-2024-beats-eps-stock-dips-93CH-3872376), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript), [Investing.com](https://za.investing.com/news/transcripts/earnings-call-transcript-national-bank-holdings-tops-eps-in-q2-2026-shares-fall-93CH-4381385), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### How does National Bank Holdings compare with Commerce on AI?

Commerce scores 34 on this site's disclosure index against NBHC's 2. Its 2025 annual report describes an AI pillar in its enterprise data strategy and a written AI roadmap, it sells AI-driven receivables automation to commercial clients, and it reports 82% digital penetration. NBHC's AI plans are a data layer for 2UniFi described on the January 2026 call. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/national-bank-nbhc-q4-2025-earnings-transcript))

### How does National Bank Holdings compare with FirstSun, its Denver neighbor?

Both are Denver-area holding companies scoring about 2 on this site's index, and both spent 2026 converting acquisitions: NBHC closed Vista Bancshares on January 7, 2026 and FirstSun closed First Foundation on April 1, 2026. FirstSun's 2025 10-K has six AI passages, including competitors' AI-enabled analytics; NBHC's 10-K treats AI similarly as a risk factor. ([National Bank Holdings Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/01/07/3214345/0/en/National-Bank-Holdings-Corporation-Completes-Acquisition-of-Vista-Bancshares-Inc-and-Vista-Bank.html), [FirstSun Capital Bancorp (Business Wire)](https://www.businesswire.com/news/home/20260331761127/en/FirstSun-Capital-Bancorp-and-First-Foundation-Inc.-Complete-Merger), [FirstSun Capital Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1709442/000170944226000017/fcb-20251231.htm), [National Bank Holdings Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/1475841/000110465926019119/nbhc-20251231x10k.htm))

## Peers on this site

- [FirstSun Capital Bancorp AI strategy](https://www.bankingnewsai.com/banks/firstsun) · [vs peers](https://www.bankingnewsai.com/banks/firstsun/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [First Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) · [vs peers](https://www.bankingnewsai.com/banks/busey/vs-peers)
- [Enterprise Financial Services Corp AI strategy](https://www.bankingnewsai.com/banks/enterprise-bank) · [vs peers](https://www.bankingnewsai.com/banks/enterprise-bank/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)

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85. Glacier Bancorp Completes Acquisition of Guaranty Bancshares, Inc. in Mount Pleasant, Texas — Glacier Bancorp (GlobeNewswire), Oct 1, 2025. https://globenewswire.com/news-release/2025/10/01/3159604/21011/en/Glacier-Bancorp-Completes-Acquisition-of-Guaranty-Bancshares-Inc-in-Mount-Pleasant-Texas.html
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