# OceanFirst Financial Corp. vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/oceanfirst/vs-peers
Last updated: Oct 20, 2026

*Part of the [OceanFirst Financial Corp. AI strategy profile](https://www.bankingnewsai.com/banks/oceanfirst). Peer group: 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), Beacon Financial Corporation.*

## 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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Bank (BizTech Magazine reprint)](https://oceanfirst.com/newsroom/biztech-magazine), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470225000012/ocfc-20241231.htm))

## Where does OceanFirst lead its peers on AI?

- **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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524))
- **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. ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm))
- **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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000130817926000348/ocfc015252-def14a.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000130817925000428/ocfc013934-def14a.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026022949/bbt-20260402.htm))
- **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. ([OceanFirst Bank (BizTech Magazine reprint)](https://oceanfirst.com/newsroom/biztech-magazine), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking))

## Where does OceanFirst trail its peers on AI?

- **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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds))
- **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. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm))
- **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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [CNBC](https://www.cnbc.com/2026/04/27/openai-partners-with-customers-bank-in-push-to-automate-finance.html))
- **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. ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470225000012/ocfc-20241231.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/21/oceanfirst-ocfc-q4-2025-earnings-transcript/), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000015/ocfc-20251231.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000029/cubi-20251231.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926021651/cbu-20251231x10k.htm))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #29 of 120 | [13](https://www.bankingnewsai.com/banks/customers#sources) | [20](https://www.bankingnewsai.com/banks/customers#sources) | [11 of 16](https://www.bankingnewsai.com/banks/customers#where) | [23](https://www.bankingnewsai.com/banks/customers#timeline) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | [44.6](https://www.bankingnewsai.com/banks/ai-index) | #65 of 120 | [9](https://www.bankingnewsai.com/banks/connectone#sources) | [12](https://www.bankingnewsai.com/banks/connectone#sources) | [7 of 10](https://www.bankingnewsai.com/banks/connectone#where) | [14](https://www.bankingnewsai.com/banks/connectone#timeline) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | [41.9](https://www.bankingnewsai.com/banks/ai-index) | #68 of 120 | [4](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [24](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [9 of 12](https://www.bankingnewsai.com/banks/community-bank-na#where) | [12](https://www.bankingnewsai.com/banks/community-bank-na#timeline) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) |
| [OceanFirst Financial Corp. (this page)](https://www.bankingnewsai.com/banks/oceanfirst) | [40.5](https://www.bankingnewsai.com/banks/ai-index) | #70 of 120 | [4](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [16](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [9 of 16](https://www.bankingnewsai.com/banks/oceanfirst#where) | [15](https://www.bankingnewsai.com/banks/oceanfirst#timeline) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | [36.3](https://www.bankingnewsai.com/banks/ai-index) | #81 of 120 | [5](https://www.bankingnewsai.com/banks/eastern#sources) | [20](https://www.bankingnewsai.com/banks/eastern#sources) | [9 of 13](https://www.bankingnewsai.com/banks/eastern#where) | [17](https://www.bankingnewsai.com/banks/eastern#timeline) | Not disclosed |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #86 of 120 | [3](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [20](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [3 of 10](https://www.bankingnewsai.com/banks/rockland-trust#where) | [20](https://www.bankingnewsai.com/banks/rockland-trust#timeline) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | [28.5](https://www.bankingnewsai.com/banks/ai-index) | #90 of 120 | [6](https://www.bankingnewsai.com/banks/beacon#sources) | [13](https://www.bankingnewsai.com/banks/beacon#sources) | [8 of 10](https://www.bankingnewsai.com/banks/beacon#where) | [13](https://www.bankingnewsai.com/banks/beacon#timeline) | Not disclosed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | [10.5](https://www.bankingnewsai.com/banks/ai-index) | #102 of 120 | [3](https://www.bankingnewsai.com/banks/dime#sources) | [13](https://www.bankingnewsai.com/banks/dime#sources) | [2 of 8](https://www.bankingnewsai.com/banks/dime#where) | [13](https://www.bankingnewsai.com/banks/dime#timeline) | Not disclosed |

## 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) | OceanFirst | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 4 | 6 | [Customers Bank (13)](https://www.bankingnewsai.com/banks/customers) | 7th of 10 |
| Use cases in production (10%) | 9 | 8 | [Customers Bank (11)](https://www.bankingnewsai.com/banks/customers) | 3rd of 10 |
| Own primary disclosures (10%) | 16 | 20 | [Community Bank N.A. (24)](https://www.bankingnewsai.com/banks/community-bank-na) | 6th of 10 |
| Dated moves, last 12 months (10%) | 15 | 17 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 6th of 10 |
| Disclosed numbers (5%) | 11 | 13 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 7th of 10 |
| Named AI leaders (5%) | 8 | 6 | [OceanFirst (8)](https://www.bankingnewsai.com/banks/oceanfirst) | 1st of 10 |
| Use cases described (5%) | 16 | 12 | [OceanFirst (16)](https://www.bankingnewsai.com/banks/oceanfirst) | 1st of 10 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | [8, incl. Christopher D. Maher (Chief Executive Officer)](https://www.bankingnewsai.com/banks/oceanfirst#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324), [OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus)) | Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025) ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | Not disclosed | Not surveyed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | Not disclosed | [4, incl. Stuart Lubow (President and CEO)](https://www.bankingnewsai.com/banks/dime#people) ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) | Executive officers in the 2026 proxy with an AI or data title: 0 of 14 (one technology and operations officer) (Apr 13, 2026) ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm)) | Not disclosed | Not surveyed |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | [6, incl. Frank Sorrentino III (Chairman and CEO)](https://www.bankingnewsai.com/banks/connectone#people) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | Banking Advisor active users: Up 41% in 10 weeks (Jul 14, 2026) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) | Not disclosed | Not surveyed |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) | [7, incl. Sam Sidhu (President and CEO, Customers Bancorp)](https://www.bankingnewsai.com/banks/customers#people) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm)) | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/customers#roles) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) | [5, incl. Dimitar A. Karaivanov (President and CEO)](https://www.bankingnewsai.com/banks/community-bank-na#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [American Banker](https://www.americanbanker.com/news/new-york-bank-doubles-down-on-insurance-with-big-investment)) | Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html)) | Not disclosed | Not surveyed |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | Not disclosed | [7, incl. Denis Sheahan (Chief Executive Officer)](https://www.bankingnewsai.com/banks/eastern#people) ([American Banker](https://americanbanker.com/news/eastern-swears-off-m-a-amid-activist-investors-pressure), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html)) | Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (Apr 1, 2026) ([Eastern Bank (Boston Business Journal)](https://bizjournals.com/boston/news/2026/04/01/building-future-insights-middle-market-business.html)) | Not disclosed | Not surveyed |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) | [5, incl. Jeffrey Tengel (Chief Executive Officer)](https://www.bankingnewsai.com/banks/rockland-trust#people) ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html)) | Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/rockland-trust#roles) |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | Not disclosed | [5, incl. Sean A. Gray (Chief Executive Officer)](https://www.bankingnewsai.com/banks/beacon#people) ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Digital-banking users / transactions converted to Narmi One: > 55,000 users from three brands / 40 million transactions in a single day (Mar 2, 2026) ([Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Not disclosed | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Q3 2026 call: core upgrade moved to February 2027; early AI applications in beta ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Third-quarter 2026 results: record earnings ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20261014247987/en/Independent-Bank-Corp.-Reports-Third-Quarter-Net-Income-of-%2489.7-Million)) |
| Oct 5, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | Third-quarter 2026 results date set ([Eastern Bankshares (Yahoo Finance)](https://finance.yahoo.com/news/eastern-bankshares-inc-announces-third-151500524.html)) |
| Sep 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 21, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Sean Gray succeeds Paul Perrault as CEO ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Banking Dive](https://bankingdive.com/news/beacon-names-coo-sean-gray-ceo-perrault-retires-brookline-berkshire-merger/830979)) |
| Sep 21, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Flushing digital banking customers scheduled to move to OceanFirst platforms ([OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |
| Sep 16, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | State supervisors publish an AI framework for examiners ([Banking Dive](https://www.bankingdive.com/news/csbs-ai-framework-banks-examiners-risk/830683/), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm)) |
| Aug 13, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Investor presentation lists the conversion as a milestone, not AI ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110465926095466/tm2622869d1_ex99-1.htm)) |
| Aug 12, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | New Jersey push ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) |
| Aug 7, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 10-Q: AI applications again cited for data-processing growth ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926092717/cbu-20260630x10q.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Aug 7, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 10-Q: no AI language ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm)) |
| Aug 7, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Q2 2026 10-Q lists AI adoption among operational risks ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm)) |
| Aug 6, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 4, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Q1 and Q2 2026 10-Qs carry no AI language ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm)) |
| Jul 31, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | Q2 2026 10-Q has no AI text ([Dime Commercial Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm)) |
| Jul 28, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 call: headcount flat, AI impact to be known in about six months ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Jul 24, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 call: underwriting, KYC and close-cycle results ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Jul 23, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Second-quarter 2026 results ([ConnectOne Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/23/3331988/25238/en/ConnectOne-Bancorp-Inc-Reports-Second-Quarter-2026-Results.html)) |
| Jul 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## 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.

| Bank | AI in production or pilot | Scale or result disclosed | Date |
| --- | --- | --- | --- |
| OceanFirst | Copilot 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 minutes | December 2025 to July 2026 ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Bank (BizTech Magazine reprint)](https://oceanfirst.com/newsroom/biztech-magazine), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm)) |
| Customers | OpenAI collaboration; multi-agent credit underwriting; ElevenLabs voice agents | 600+ agents; 46,000+ hours saved | April to July 2026 ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm)) |
| ConnectOne | nCino Banking Advisor and two custom agents in commercial lending | Document search ≈ 20 minutes to 30 seconds; +41% active users in ten weeks | July 2026 ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) |
| Fulton | Salesforce Agentforce; NICE CXone agent assist; call summarisation | 3,000 employees on Agentforce; 3-5 minutes saved per call | 2024 to September 2026 ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) |
| Community Bank N.A. | AI applications in customer-facing and back-office technology; ML and generative AI in security monitoring | More than a dozen AI staff | February to July 2026 ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926021651/cbu-20251231x10k.htm)) |
| Atlantic Union | Socure ML identity verification; AI call-recording screening planned | ≈ 10% of calls reviewed today, 100% planned | December 2025; June 2026 ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| Dime | Quantifind AI risk-intelligence for payments sanctions screening | Not disclosed | June 2025 ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html)) |
| Rockland Trust | Office of Digital Innovation and AI governance framework; first AI targets in fraud review and BSA/AML | Three dedicated AI staff (2026 plan) | January to April 2026 ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) |

## 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. ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm))

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. ([OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus), [OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking))

## 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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Bank (BizTech Magazine reprint)](https://oceanfirst.com/newsroom/biztech-magazine))

### 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. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm))

### 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. ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm))

### 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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000130817926000348/ocfc015252-def14a.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000130817925000428/ocfc013934-def14a.htm))

### 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. ([OceanFirst Bank (BizTech Magazine reprint)](https://oceanfirst.com/newsroom/biztech-magazine), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Bank](https://oceanfirst.com/blog/4-ways-oceanfirst-is-making-banking-more-convenient))

### 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. ([Quantifind (PR Newswire)](https://www.prnewswire.com/news-releases/dime-community-bank-selects-quantifind-to-strengthen-sanctions-screening-in-payments-302472947.html), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm))

### 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. ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324))

## Peers on this site

- [Dime Commercial Bancshares AI strategy](https://www.bankingnewsai.com/banks/dime) · [vs peers](https://www.bankingnewsai.com/banks/dime/vs-peers)
- [ConnectOne Bancorp AI strategy](https://www.bankingnewsai.com/banks/connectone) · [vs peers](https://www.bankingnewsai.com/banks/connectone/vs-peers)
- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) · [vs peers](https://www.bankingnewsai.com/banks/customers/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [Community Financial System (Community Bank, N.A.) AI strategy](https://www.bankingnewsai.com/banks/community-bank-na) · [vs peers](https://www.bankingnewsai.com/banks/community-bank-na/vs-peers)
- [Eastern Bankshares AI strategy](https://www.bankingnewsai.com/banks/eastern) · [vs peers](https://www.bankingnewsai.com/banks/eastern/vs-peers)
- [Independent Bank Corp. (Rockland Trust) AI strategy](https://www.bankingnewsai.com/banks/rockland-trust) · [vs peers](https://www.bankingnewsai.com/banks/rockland-trust/vs-peers)
- [Beacon Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/beacon) · [vs peers](https://www.bankingnewsai.com/banks/beacon/vs-peers)

## Sources

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80. 4 Ways OceanFirst Is Making Banking More Convenient — OceanFirst Bank, Oct 2, 2025. https://oceanfirst.com/blog/4-ways-oceanfirst-is-making-banking-more-convenient

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