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OceanFirst Financial Corp. vs peers
AI and technology compared

Last updated Oct 20, 2026 · 9 peers · 80 sources cited

How does OceanFirst Financial Corp. compare with its peers on AI and technology?

On this site's AI disclosure index OceanFirst scores 40.5 (#70 of 120 US banks), sixth in a ten-bank group drawn from its 2026 proxy peer group, behind Customers (75.5), Atlantic Union (53.7), ConnectOne (44.6), Fulton (44.3) and Community Bank (41.9), and ahead of Eastern (36.3), Rockland Trust (32.1), Beacon (28.5) and its New York rival Dime (10.5). It leads the group on named AI leaders and on use cases described, and the reason is specificity: CIO Brian Schaeffer said in December 2025 that every application the bank owns has an AI element, that AML investigators use Microsoft Copilot to cut complex enhanced-due-diligence cases from six hours or more to about five minutes, and that bond-portfolio checks fell from six to eight hours to 15 minutes. Its call center runs Five9 Agent Assist and AI summaries in Salesforce, and its July 2026 deck adds a centralised Automation Transformation Office that prioritises AI by return. Where it trails is scale and independent proof. Customers reports more than 600 agents and 46,000-plus hours saved under an OpenAI collaboration (July 2026); ConnectOne, its New Jersey neighbour, reports nCino's Banking Advisor live with document searches cut from about 20 minutes to as little as 30 seconds (July 2026); OceanFirst counted about 150 Copilot users in December 2025 and its machine-learning loan decisioning is still a pilot. Its FY2024 10-K did not mention AI at all.[1][2][3][4][5][6][7][8]

Data as of Oct 20, 2026 · OceanFirst profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does OceanFirst lead its peers on AI?

01

A measured AI result in AML, where Dime and Rockland have none yet

OceanFirst's AML investigators use Copilot on 100 to 200 enhanced-due-diligence cases a day, cutting complex-company cases from six hours or more to about five minutes (December 2025). Dime selected Quantifind's AI platform for sanctions screening in June 2025 without a result; Rockland Trust named BSA/AML as an AI target in January 2026 without a deployment.[1][9][10]

02

The most use cases described in the group

OceanFirst describes 16 AI use cases, the most of the ten banks, from Copilot across departments and a Databricks layer queried through the model context protocol to a kore.ai conversational platform and AI-assisted software development. Fulton's AI is vendor-supplied agent assist and Agentforce; Eastern's 10-K says its AI use is not material.[4][3][1][11][12]

03

Named owners and a board committee with a Goldman CIO

OceanFirst places first on named AI leaders: CIO Brian Schaeffer owns the programme, and the board's Information Technology Committee, chaired by Steven Scopellite, a former Global CIO of Goldman Sachs, has had AI initiatives in its remit since at least 2025. Dime names no AI or data leader, and Beacon's executive officers hold no technology title.[1][13][14][15][16]

04

AI already in the contact center

OceanFirst's 45-agent call center uses Five9 Agent Assist for real-time transcription and guidance and stores AI call summaries in Salesforce, and a conversational chatbot handles routine chat and voice inquiries. Atlantic Union's AI screening of every call-centre recording was still a plan in June 2026.[2][17]

Where it trails

Where does OceanFirst trail its peers on AI?

01

A fraction of Customers' scale

Customers reports more than 600 agents, 100% of staff with AI licences, a 40-person AI mobilization team and 46,000-plus hours saved (July 2026), and says AI writes about half its code. OceanFirst had onboarded about 150 employees to Copilot by December 2025 and reports no hours-saved or agent count.[5][18][1]

02

AI lending still a pilot while ConnectOne's is live

ConnectOne put nCino's Banking Advisor into production in commercial lending, built two custom agents with 16 skills, and reports document search cut from about 20 minutes to 30 seconds and active users up 41% in ten weeks (July 2026). OceanFirst's roadmap lists a machine-learning loan-decisioning pilot and advanced credit underwriting for 2026-2027.[7][19][4]

03

Fewer independent sources and dated moves

OceanFirst places 7th of 10 on independent sources and 6th on dated moves in the last 12 months; much of its record comes from its own decks and one American Banker interview. Customers leads on both, with an OpenAI collaboration covered by American Banker and CNBC in April 2026.[1][3][20][18]

04

AI arrived late in its filings

OceanFirst's FY2024 10-K (February 2025) and Q1 2026 10-Q contain no reference to AI, and the January 2026 call had no AI discussion; AI language appears in the FY2025 10-K and the Q2 2026 filings. Customers' 2025 10-K says 'our business increasingly relies on AI', and Community Bank's 10-K describes enterprise AI and data governance frameworks.[8][21][22][23][24][25]

AI index

Where does OceanFirst 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[6][20][26][27]
Atlantic Union Bankshares53.7#52 of 12010145 of 1219Automated conversion and validation tooling (Sandy Spring integration)[17][28][29]
ConnectOne Bancorp44.6#65 of 1209127 of 1014nCino Banking Advisor and custom agents on nCino's Agentic Operating System[7][19]
Fulton Financial Corporation44.3#66 of 12062310 of 1217Not disclosed
Community Financial System (Community Bank, N.A.)41.9#68 of 1204249 of 1212AI team inside a four-business diversified model[30][31][32]
OceanFirst Financial Corp. (this page)40.5#70 of 1204169 of 1615Automation Transformation Office, Copilot and the Databricks data layer[4][3][1]
Eastern Bankshares36.3#81 of 1205209 of 1317Not disclosed
Independent Bank Corp. (Rockland Trust)32.1#86 of 1203203 of 1020Office of Digital Innovation and AI governance framework[33][34][35][36][37]
Beacon Financial Corporation28.5#90 of 1206138 of 1013Not disclosed
Dime Commercial Bancshares10.5#102 of 1203132 of 813Not disclosed
Component by component

On which parts of the AI record is OceanFirst ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of OceanFirst and the 9 peers that are scored on the same basis. "Place" is OceanFirst's position in the group of 10 (1st = most).

Component (weight)OceanFirstPeer medianMost in the groupPlace
Independent sources (45%)46Customers Bank (13)7th of 10
Use cases in production (10%)98Customers Bank (11)3rd of 10
Own primary disclosures (10%)1620Community Bank N.A. (24)6th of 10
Dated moves, last 12 months (10%)1517Customers Bank (23)6th of 10
Disclosed numbers (5%)1113Customers Bank (23)7th of 10
Named AI leaders (5%)86OceanFirst (8)1st of 10
Use cases described (5%)1612OceanFirst (16)1st of 10
Head to head

What has each bank in OceanFirst'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
OceanFirst Financial Corp.Automation Transformation Office, Copilot and the Databricks data layer[4][3][1]8, incl. Christopher D. Maher (Chief Executive Officer)[38][39]Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025)[1]Not disclosedNot surveyed
Dime Commercial BancsharesNot disclosed4, incl. Stuart Lubow (President and CEO)[40]Executive officers in the 2026 proxy with an AI or data title: 0 of 14 (one technology and operations officer) (Apr 13, 2026)[15]Not disclosedNot surveyed
ConnectOne BancorpnCino Banking Advisor and custom agents on nCino's Agentic Operating System[7][19]6, incl. Frank Sorrentino III (Chairman and CEO)[7][19]Banking Advisor active users: Up 41% in 10 weeks (Jul 14, 2026)[7]Not disclosedNot surveyed
Customers BancorpOpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[6][20][26][27]7, incl. Sam Sidhu (President and CEO, Customers Bancorp)[20][27][41][42]Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026)[20]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Fulton Financial CorporationNot disclosed8, incl. Curt Myers (Chairman, CEO and President)[43][44]Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024)[45]1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods)[46]Not surveyed
Atlantic Union BanksharesAutomated conversion and validation tooling (Sandy Spring integration)[17][28][29]8, incl. John Asbury (President and CEO)[47][48][49]Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026)[17]Not disclosed0 open AI roles (Sep 24, 2026)
Community Financial System (Community Bank, N.A.)AI team inside a four-business diversified model[30][31][32]5, incl. Dimitar A. Karaivanov (President and CEO)[30][50]Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026)[30]Not disclosedNot surveyed
Eastern BanksharesNot disclosed7, incl. Denis Sheahan (Chief Executive Officer)[51][52][53]Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (Apr 1, 2026)[54]Not disclosedNot surveyed
Independent Bank Corp. (Rockland Trust)Office of Digital Innovation and AI governance framework[33][34][35][36][37]5, incl. Jeffrey Tengel (Chief Executive Officer)[35][33]Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026)[10]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Beacon Financial CorporationNot disclosed5, incl. Sean A. Gray (Chief Executive Officer)[55][56][57]Digital-banking users / transactions converted to Narmi One: > 55,000 users from three brands / 40 million transactions in a single day (Mar 2, 2026)[57]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of OceanFirst 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 16, 2026Rockland TrustQ3 2026 call: core upgrade moved to February 2027; early AI applications in beta[58]
Oct 15, 2026Rockland TrustThird-quarter 2026 results: record earnings[59]
Oct 5, 2026Eastern BankThird-quarter 2026 results date set[60]
Sep 30, 2026FultonContact-centre manager describes Fulton's AI journey with NICE[61]
Sep 24, 2026FultonSalesforce cites Fulton's Agentforce rollout at Dreamforce[11]
Sep 21, 2026Beacon BankSean Gray succeeds Paul Perrault as CEO[55][56][62]
Sep 21, 2026OceanFirstFlushing digital banking customers scheduled to move to OceanFirst platforms[63][64]
Sep 16, 2026Eastern BankState supervisors publish an AI framework for examiners[65][12]
Aug 13, 2026Beacon BankInvestor presentation lists the conversion as a milestone, not AI[66]
Aug 12, 2026DimeNew Jersey push[40]
Aug 7, 2026Community Bank N.A.Q2 2026 10-Q: AI applications again cited for data-processing growth[67][31]
Aug 7, 2026Customers BankQ2 2026 10-Q: no AI language[68][69]
Aug 7, 2026OceanFirstQ2 2026 10-Q lists AI adoption among operational risks[70][21]
Aug 6, 2026Atlantic UnionSecond-quarter 10-Q repeats the AI risk language[71]
Aug 4, 2026ConnectOneQ1 and Q2 2026 10-Qs carry no AI language[72][73]
Jul 31, 2026DimeQ2 2026 10-Q has no AI text[74][75]
Jul 28, 2026Community Bank N.A.Q2 2026 call: headcount flat, AI impact to be known in about six months[30][31]
Jul 24, 2026Customers BankQ2 2026 call: underwriting, KYC and close-cycle results[76]
Jul 23, 2026ConnectOneSecond-quarter 2026 results[77]
Jul 21, 2026Atlantic UnionSecond-quarter call: efficiency ratio 47.47%, ten North Carolina branches[78]
AI in production across the group

What AI do OceanFirst and its proxy peers have in production?

The furthest AI step each bank has disclosed, with its scale. A blank means nothing is on the record.

BankAI in production or pilotScale or result disclosedDate
OceanFirstCopilot across departments; Copilot in AML due diligence; Five9 Agent Assist; HAILEY conversational AI; AI-assisted software development≈ 150 Copilot users; EDD cases from 6+ hours to ≈ 5 minutesDecember 2025 to July 2026[1][2][3]
CustomersOpenAI collaboration; multi-agent credit underwriting; ElevenLabs voice agents600+ agents; 46,000+ hours savedApril to July 2026[6][5]
ConnectOnenCino Banking Advisor and two custom agents in commercial lendingDocument search ≈ 20 minutes to 30 seconds; +41% active users in ten weeksJuly 2026[7]
FultonSalesforce Agentforce; NICE CXone agent assist; call summarisation3,000 employees on Agentforce; 3-5 minutes saved per call2024 to September 2026[11][45]
Community Bank N.A.AI applications in customer-facing and back-office technology; ML and generative AI in security monitoringMore than a dozen AI staffFebruary to July 2026[30][25]
Atlantic UnionSocure ML identity verification; AI call-recording screening planned≈ 10% of calls reviewed today, 100% plannedDecember 2025; June 2026[79][17]
DimeQuantifind AI risk-intelligence for payments sanctions screeningNot disclosedJune 2025[9]
Rockland TrustOffice of Digital Innovation and AI governance framework; first AI targets in fraud review and BSA/AMLThree dedicated AI staff (2026 plan)January to April 2026[33][10]
OceanFirst's AI roadmap and the Flushing integration

What is OceanFirst's AI plan, and how does the Flushing merger fit?

OceanFirst's May and July 2026 investor decks set out three phases: foundation work from 2023 to 2025 (a Databricks lakehouse, AI governance and a model risk policy, a machine-learning loan-decisioning pilot and an employee AI rollout); scale and integration in 2026 and 2027 (advanced credit underwriting, AI for fraud and BSA review, AI-driven KYC and AML, personalised next-best products); and embedded AI across business lines from 2028. The July deck adds a centralised Automation Transformation Office that governs AI investment with ROI-based prioritisation, Automation Engineers aligned with business lines, and an approved AI governance framework.[4][3]

The plan runs alongside the Flushing merger, which closed on June 1, 2026 with a $225 million investment from Warburg Pincus and left the combined bank with 71 branches. Flushing's digital-banking customers were scheduled to move to OceanFirst's online and mobile banking on September 21, 2026, and the CFO said maturing AI-driven automation should keep improving operating leverage through 2027. Peers have used AI in their own integrations: Atlantic Union validated more than 80 million data values in its Sandy Spring conversion with code instead of sampling.[39][63][64][17]

The peer group

Which banks are OceanFirst's peers, and why these?

OceanFirst Financial Corp. is compared here with Dime Commercial Bancshares, ConnectOne Bancorp, Customers Bancorp, Fulton Financial Corporation, Atlantic Union Bankshares, Community Financial System (Community Bank, N.A.), Eastern Bankshares, Independent Bank Corp. (Rockland Trust) and Beacon Financial Corporation: chosen by the editors for this page (see the note below the table). OceanFirst Financial Corp. is classed as a regional or retail-commercial bank in the Northeast.

The computed group included an Arkansas bank and an upstate New York bank of a different model; all nine banks here are in the 2025 compensation peer group of OceanFirst's 2026 proxy statement (Beacon as the successor to Berkshire Hills and Brookline), led by Dime and ConnectOne, which compete with it in New Jersey and in the New York markets it entered through Flushing.

Common questions

How does OceanFirst use AI?

Mostly inside the bank. Microsoft Copilot is deployed across departments; AML investigators use it for enhanced due diligence, bond-portfolio checks run in minutes instead of hours, a Databricks data layer can be queried in natural language, and the call center uses Five9 Agent Assist and AI summaries. A kore.ai-based chatbot handles routine customer inquiries.[1][4][2]

Is OceanFirst better than ConnectOne at AI?

The record cannot settle capability; ConnectOne scores slightly higher on this site's index (44.6 against 40.5). ConnectOne's strength is AI in commercial lending on nCino, with measured time savings; OceanFirst's is breadth, with Copilot, a data layer, contact-center AI and an Automation Transformation Office, and more use cases described than any bank in the group.[7][1][3]

How does OceanFirst compare with Customers Bank on AI?

Customers leads the group at 75.7 against OceanFirst's 40.7. It has a multiyear OpenAI collaboration with engineers on site, more than 600 agents, all staff licensed and 46,000-plus hours saved. OceanFirst's programme is smaller, about 150 Copilot users in December 2025, but governed by an Automation Transformation Office with ROI-based prioritisation.[6][5][1][3]

Who leads AI at OceanFirst?

CIO Brian Schaeffer, chief information security officer from 2018 to 2023 and CIO since August 2023. The board's Information Technology Committee, chaired by former Goldman Sachs Global CIO Steven Scopellite, oversees AI initiatives, and a management Information Technology Project and Architecture Committee writes AI into bank policies and risk tolerance.[1][13][14]

Does OceanFirst have an AI chatbot?

Yes. A conversational chatbot handles routine chat and voice inquiries and routes complex ones to human agents; OceanFirst's May 2026 deck dates its kore.ai-based HAILEY platform to 2024. Its 45 human call-center agents work with Five9 Agent Assist, which transcribes calls in real time and suggests actions.[2][4][80]

How does OceanFirst compare with Dime on AI?

OceanFirst has put far more on the record (40.5 against Dime's 10.5). Dime's named deployment is Quantifind's sanctions-screening platform (June 2025), its 10-K describes AI models as potential, and it names no AI leader. OceanFirst describes 16 use cases and measured AML and bond-monitoring time savings.[9][75][1][4]

Will AI cut OceanFirst's costs?

Management says so over time: on the Q2 2026 call the CFO tied maturing AI-driven automation to improving operating leverage through 2027, and the CEO said in April that AI investment through existing vendors was already producing efficiencies. Q4 2026 operating-expense guidance was $110 million to $115 million after the Flushing conversion.[64][38]

Peers on this site
Dime Bank AI strategy →How Dime Commercial Bancshares compares with its peers →ConnectOne Bank AI strategy →How ConnectOne Bancorp compares with its peers →Customers Bank AI strategy →How Customers Bancorp compares with its peers →Fulton AI strategy →How Fulton Financial Corporation compares with its peers →Atlantic Union AI strategy →How Atlantic Union Bankshares compares with its peers →Community Bank N.A. AI strategy →How Community Financial System (Community Bank, N.A.) compares with its peers →Eastern Bank AI strategy →How Eastern Bankshares compares with its peers →Rockland Trust AI strategy →How Independent Bank Corp. (Rockland Trust) compares with its peers →Beacon Bank AI strategy →How Beacon Financial Corporation compares with its peers →
Deeper on OceanFirst
OceanFirst AI strategy: the full profile →OceanFirst Financial Corp. competitors and alternatives →OceanFirst AI profile →OceanFirst competitors and alternatives →ConnectOne AI profile →Bank AI index →AI chatbots in banking →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  76. Earnings call transcript: Customers Bancorp posts strong Q2 2026 growth
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  77. ConnectOne Bancorp, Inc. Reports Second Quarter 2026 Results
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  78. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates
    Investing.com · Jul 21, 2026
  79. Atlantic Union Bankshares Investor Day presentation, December 10, 2025 (Form 8-K, Exhibit 99.1)
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  80. 4 Ways OceanFirst Is Making Banking More Convenient
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