# Old National Bancorp vs peers: AI and technology compared

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

*Part of the [Old National Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/old-national). Peer group: Associated Banc-Corp, Wintrust Financial Corporation, UMB Financial, Huntington Bancshares, First Merchants Corporation, First Busey Corporation, Commerce Bancshares, F.N.B. Corporation.*

## How does Old National Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index Old National scores 66 (#40 of 120 US banks), second in a nine-bank Midwest group behind Huntington (84.2) and ahead of F.N.B. (60.2), Associated (56.8), UMB (47.9), Busey (44.9), Wintrust (38.1), Commerce (34) and First Merchants (29.8). What sets it apart from the regional peers is governance and measured vendor AI. Its 2025 10-K, filed February 19, 2026, added a full AI risk factor covering 'digital employees and digital engineers', where its 2024 10-K mentioned AI once, and in 2026 it stood up an AI Center of Excellence that keeps a live inventory of AI, including AI inside vendor platforms. Its results are vendor-delivered and specific: Abrigo reports Old National's loan reviewers became about 31% more efficient with its AI Loan Review Assistant (July 2026), and AI cleaned up legacy Power BI code in about a week against about a month (April 2026). It trails Huntington by a wide margin. Huntington had 50 AI agents in production and more than 60 in development in April 2026, run from the CFO's office; Old National has not named an AI platform of its own. It also has no customer AI assistant, while U.S. Bank's Smart Assistant works by voice. Associated reported 30 AI use cases in process in September 2026 and builds some tools in-house. Old National runs one of the leanest operations in the group, with a 45.2% adjusted efficiency ratio in the second quarter of 2026. ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717925000005/onb-20241231.htm), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html))

## Where does Old National lead its peers on AI?

- **A measured vendor AI result most peers lack.** Abrigo reports that Old National's loan reviewers became about 31% more efficient on average with its AI Loan Review Assistant (July 2026). Wintrust's AI number is volume, not efficiency: more than 4,000 specialty-finance deals in the first half of 2026 with AI credit adjudication; First Merchants and Commerce disclose no AI efficiency figure. ([Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/))
- **AI governance spelled out in the 10-K and the proxy.** Old National's FY2025 10-K uses AI-related terms 18 times, against once a year earlier, and its 2026 proxy puts AI under the Enterprise Risk Committee, which hears CIO and CISO reports every quarter. Wintrust's 2025 10-K says only that it may selectively incorporate AI. ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717925000005/onb-20241231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000110465926039075/onb-20260513xdef14a.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm))
- **An AI Center of Excellence that inventories vendor AI.** Old National's CIO describes a center that sets acceptable-use policy, keeps a live inventory of AI across the bank and tracks AI embedded in vendor platforms (May 2026). Busey named its first director of AI, data science and insights only in April 2026. ([Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights))
- **Second-most disclosed by its own hand.** Old National places 2nd of 9 on its own primary disclosures (22, behind F.N.B.'s 25) and 2nd on use cases in production (10, behind Huntington's 15), with client guidance on AI scams and AI privacy published on its own site. ([Old National Bank](https://www.oldnational.com/resources/insights/what-you-need-to-know-about-ai-driven-scams/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html))

## Where does Old National trail its peers on AI?

- **Far behind Huntington's agent program.** Huntington went from two AI agents in late 2022 to 50 in production and more than 60 in development by April 2026, adding about 15 a month. Old National's comparable work is an AI Center of Excellence and AI-assisted code, with first-line risk management named as the next target. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html))
- **No platform of its own.** Old National has not announced an AI platform; its disclosed AI runs through Abrigo, Infosys and other vendors. Associated's CEO says it built one AI tool internally for $45,000 against an $800,000 purchase option and has 30 AI use cases in process (September 2026). ([Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [Infosys (PR Newswire)](https://www.prnewswire.com/news-releases/infosys-collaboration-with-old-national-is-accelerating-the-banks-operational-and-technological-transformation-302270055.html), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556))
- **No customer-facing AI assistant.** Old National discloses contact-center automation that shortened handling time but no customer assistant. U.S. Bank's Smart Assistant works by text and voice and its mobile banking ranked first in Keynova's scorecard for a third year (September 2026); Commerce reports 82% digital penetration. ([Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [American Banker](https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))
- **Little independent coverage.** Old National scores 9 on independent sources against Huntington's 19; much of its AI record comes from its own articles, filings and vendor releases. The CEO said in March 2026 that the bank had not yet found how to monetize AI savings. ([Investing.com](https://investing.com/news/transcripts/old-national-at-rbc-conference-strategic-growth-and-optimism-93CH-4553432))

## Where does Old National 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | [84.2](https://www.bankingnewsai.com/banks/ai-index) | #13 of 120 | [19](https://www.bankingnewsai.com/banks/huntington#sources) | [17](https://www.bankingnewsai.com/banks/huntington#sources) | [15 of 17](https://www.bankingnewsai.com/banks/huntington#where) | [29](https://www.bankingnewsai.com/banks/huntington#timeline) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) |
| [Old National Bancorp (this page)](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [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)) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | [38.1](https://www.bankingnewsai.com/banks/ai-index) | #76 of 120 | [8](https://www.bankingnewsai.com/banks/wintrust#sources) | [16](https://www.bankingnewsai.com/banks/wintrust#sources) | [7 of 9](https://www.bankingnewsai.com/banks/wintrust#where) | [16](https://www.bankingnewsai.com/banks/wintrust#timeline) | Not disclosed |
| [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)) |
| [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | [29.8](https://www.bankingnewsai.com/banks/ai-index) | #88 of 120 | [3](https://www.bankingnewsai.com/banks/first-merchants#sources) | [22](https://www.bankingnewsai.com/banks/first-merchants#sources) | [9 of 11](https://www.bankingnewsai.com/banks/first-merchants#where) | [18](https://www.bankingnewsai.com/banks/first-merchants#timeline) | Not disclosed |

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

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

| Component (weight) | Old National | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 9 | 6.5 | [Huntington (19)](https://www.bankingnewsai.com/banks/huntington) | 3rd of 9 |
| Use cases in production (10%) | 10 | 9 | [Huntington (15)](https://www.bankingnewsai.com/banks/huntington) | 2nd of 9 |
| Own primary disclosures (10%) | 22 | 20 | [FNB (25)](https://www.bankingnewsai.com/banks/fnb) | 2nd of 9 |
| Dated moves, last 12 months (10%) | 18 | 16.5 | [Huntington (29)](https://www.bankingnewsai.com/banks/huntington) | 3rd of 9 |
| Disclosed numbers (5%) | 16 | 13 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 2nd of 9 |
| Named AI leaders (5%) | 12 | 9.5 | [Huntington (14)](https://www.bankingnewsai.com/banks/huntington) | 2nd of 9 |
| Use cases described (5%) | 14 | 11 | [Huntington (17)](https://www.bankingnewsai.com/banks/huntington) | 3rd of 9 |

## What has each bank in Old National'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 |
| --- | --- | --- | --- | --- | --- |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#roles) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [10, incl. Tim Crane (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/wintrust#people) ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html)) | Wintrust Specialty Finance originations, first half 2026 (with AI credit adjudication): More than 4,000 deals, roughly $500 million; team of 34 (Jun 30, 2026) ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | Not disclosed | [1 open AI roles (Oct 5, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/wintrust#roles) |
| [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 |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [14, incl. Zach Wasserman (Chief Financial Officer)](https://www.bankingnewsai.com/banks/huntington#people) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb), [American Banker](https://www.americanbanker.com/podcast/its-a-tremendous-priority-huntington-cfo-wasserman-on-ai)) | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform) ([Google Patents (USPTO)](https://patents.google.com/patent/US11194637B2/en)) | [9 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/huntington#roles) |
| [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | Not disclosed | [7, incl. Mark K. Hardwick (President and CEO)](https://www.bankingnewsai.com/banks/first-merchants#people) ([First Merchants Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-merchants-corporation-announces-second-200500052.html), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/06/04/first-merchants-bank-recognized-on-forbes--world-s-best-banks-2026), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm)) | Digital platform conversion cost (non-core, 2024): $2.4 million (Dec 31, 2024) ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm)) | 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 |
| [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 |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#roles) |

## What are the latest dated moves on the AI record of Old National 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 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | CEO succession: Stewart to replace Hardwick on 1 January 2027 ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/10/01/first-merchants-bank-ceo-mark-hardwick-to-retire-at-the-end-of-2026-and-president-mike-stewart-to-become-president-and-ceo)) |
| Sep 29, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Sep 25, 2026 | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Vakharia on AI in bank marketing ([Banking Dive](https://bankingdive.com/news/huntington-bank-marketing-digital-brand-customer-experience-vakharia/831361)) |
| Sep 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 8, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| 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 26, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Wintrust insurance banking note: automated credit assessments, AI governance watch ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/08/insurance-banking-rundown.html)) |
| 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 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 11, 2026 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | Customer warning on bank-impersonation scams ([First Merchants Bank](https://firstmerchants.com/why-us/news/news-detail/2026/08/11/it-could-happen-to-you--bank-impersonation-scams)) |
| 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 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| 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 29, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| 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)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |

## How does Old National's operational AI compare with its Midwest peers'?

The AI each bank has put to work inside the bank, with the scale it disclosed.

| Bank | What it has | Scale disclosed | Date |
| --- | --- | --- | --- |
| Old National | AI Center of Excellence; Abrigo Loan Review Assistant; AI-assisted code; contact-center automation | Loan-review efficiency up about 31% (vendor-reported); Power BI clean-up in about a week instead of a month | April to July 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments)) |
| Huntington | Agentic process transformation run from finance | 50 agents in production, 60+ in development | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |
| Associated | Line-of-business AI under a chief data officer; a head of AI for commercial banking | 30 AI use cases in process; one tool built for $45,000 | September 2026 ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Wintrust | AI credit adjudication in specialty finance | 4,000+ deals, about $500 million, team of 34 (first half 2026) | June 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) |
| F.N.B. | AI-enabled fraud tools | 10 tools | November 2025 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) |
| Busey | A first director of AI, data science and insights | Not quantified | April 2026 ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights)) |

## How does Old National's AI governance compare with its peers'?

How each bank's filings and leadership treat AI. Governance is where Old National has put the most on the record.

| Bank | Governance disclosed | Where | Date |
| --- | --- | --- | --- |
| Old National | AI risk factor covering digital employees and digital engineers; Enterprise Risk Committee covers AI; an AI Center of Excellence with a live AI inventory | 2025 10-K; 2026 proxy; CIO article | February to May 2026 ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000110465926039075/onb-20260513xdef14a.htm), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments)) |
| Wintrust | AI risk factor: may selectively incorporate AI; policies govern AI applications on the network | 2025 10-K | February 2026 ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm)) |
| Associated | Chief data officer reporting to the CIO; AI accountability inside business lines | Press release; Barclays conference | February and September 2026 ([Associated Bank newsroom](https://newsroom.associatedbank.com/releases/associated-bank-announces-hiring-of-alexander-bush-executive-vice-president-chief-data-officer), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Busey | First director of AI, data science and insights for responsible AI/ML | Press release | April 2026 ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights)) |
| Huntington | AI program led by the CFO, who also runs strategy and data analytics | Fortune interview | April 2026 ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |

## How does Old National's customer-facing technology compare?

What customers of each bank can see, with the figure each discloses.

| Bank | Customer-facing digital or AI | Scale disclosed | Date |
| --- | --- | --- | --- |
| Old National | No AI assistant; embedded BNPL from Affirm under discussion | Customers made 60 million BNPL transactions in 2025, per the report | May 2026 ([American Banker](https://www.americanbanker.com/payments/news/affirm-wants-to-embed-bnpl-in-banking-apps)) |
| U.S. Bancorp | Smart Assistant by text and voice | Mobile banking ranked first by Keynova for a third year | September 2026 ([American Banker](https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year)) |
| Huntington | Personalized guidance in the app; Euromoney's US best digital bank for consumers | Not quantified | July 2026 ([Huntington](https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers)) |
| Commerce | Mobile app and mobile deposit | 82% digital penetration; 4.7 app rating; 30% mobile deposit use | December 2025 to February 2026 ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |

## Which AI vendors and partners do Old National and its peers name?

Named outside partners behind each bank's AI or automation work, as disclosed by the bank or the vendor.

| Bank | Partner | What it does | Date |
| --- | --- | --- | --- |
| Old National | Abrigo | AI Loan Review Assistant; about 31% higher reviewer efficiency (vendor-reported) | July 2026 ([Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/)) |
| Old National | Infosys (Topaz) | Operations transformation 'powered by automation and GenAI' | October 2024 ([Infosys (PR Newswire)](https://www.prnewswire.com/news-releases/infosys-collaboration-with-old-national-is-accelerating-the-banks-operational-and-technological-transformation-302270055.html)) |
| Old National | Quavo | Agentic-AI disputes provider; gave the bank its 2026 Customer Confidence Award | January 2026 ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award)) |
| Huntington | Coverbase | AI third-party risk management; names Huntington an enterprise customer | September 2026 ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| Wintrust | AI credit adjudication in Wintrust Specialty Finance | 4,000+ deals in the first half of 2026 | June 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) |

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

Old National Bancorp is compared here with Associated Banc-Corp, Wintrust Financial Corporation, UMB Financial, Huntington Bancshares, First Merchants Corporation, First Busey Corporation, Commerce Bancshares and F.N.B. Corporation: chosen by the editors for this page (see the note below the table). Old National Bancorp is classed as a regional or retail-commercial bank in the Midwest.

The computed group mixed in banks from Puerto Rico, the West Coast, New Jersey and the Southeast; this group keeps the Midwest banks whose footprints meet Old National's (Associated, Wintrust, Huntington, First Merchants and Busey) and the Midwest and Mid-Atlantic members of Old National's own 2026 proxy peer group (Associated, Wintrust, UMB and F.N.B.), plus Commerce.

## Common questions

### Is Old National better than Huntington at AI?

The record cannot settle capability, but Huntington has put far more on it: 84.2 on this site's disclosure index against Old National's 66. Huntington counts 50 AI agents in production. Old National's AI is vendor-delivered and governance-led, with an AI Center of Excellence and a measured 31% loan-review efficiency gain. ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/))

### Does Old National have an AI assistant for customers?

No customer assistant is disclosed. Old National's CIO says AI-powered automation shortened average call-handling time in the contact center, and the bank publishes client guidance on AI scams. U.S. Bank's Smart Assistant, by comparison, works by text and voice in its app. ([Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Old National Bank](https://www.oldnational.com/resources/insights/what-you-need-to-know-about-ai-driven-scams/), [American Banker](https://www.americanbanker.com/news/u-s-bank-tops-mobile-banking-ranks-for-third-straight-year))

### How does Old National compare with Associated Banc-Corp on AI?

Old National scores 66 on this site's disclosure index and Associated 56.8. Associated reported 30 AI use cases in process and a head of AI for commercial banking in September 2026. Old National has more on the record about governance and a vendor-reported 31% loan-review efficiency gain. ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/))

### How does Old National compare with Wintrust on AI?

Old National scores 66 and Wintrust 38.1. Wintrust uses AI credit adjudication in specialty finance, which closed more than 4,000 deals in the first half of 2026, and its 2025 10-K added an AI risk factor. Old National discloses an AI Center of Excellence, AI-assisted code and vendor AI in loan review. ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/))

### How does Old National's technology spending compare?

Old National reported technology expense of $58.7 million in the first half of 2026, against $53.5 million a year earlier, and its CEO says the bank is not underfunding payments and client-facing technology. Huntington says its technology investment grew at a 25% compound rate over five years. ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-old-national-bancorp-beats-q4-2025-eps-forecast-93CH-4458267), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai))

### Who leads AI at Old National?

CIO Matt Keen, who joined from Bremer in July 2025, runs technology strategy and describes the AI Center of Excellence. Old National names no chief AI officer. Huntington's AI program is run by its CFO, Associated has a head of AI for commercial banking, and Busey a director of AI. ([Old National Bancorp (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/news/old-national-names-matt-keen-171600871.html), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights))

### How does Old National compare with UMB and Commerce on AI?

Old National scores 66 on this site's disclosure index, UMB 47.9 and Commerce 34. UMB discussed AI on only one of its four earnings calls from Q3 2025 to Q2 2026; Commerce describes an enterprise data strategy with an AI pillar. Old National has an AI Center of Excellence and a full AI risk factor in its 10-K. ([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), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm))

### Has Old National said what AI will save?

Not in dollars. Its CEO said in March 2026 that the bank is deploying AI as fast as it can but had not yet found how to monetize the savings, and in July 2026 that AI is part of becoming more scalable. Its FY2025 10-K lists failing to achieve expected productivity or cost reduction from AI as a risk. ([Investing.com](https://investing.com/news/transcripts/old-national-at-rbc-conference-strategic-growth-and-optimism-93CH-4553432), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm))

## Peers on this site

- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Huntington Bancshares AI strategy](https://www.bankingnewsai.com/banks/huntington) · [vs peers](https://www.bankingnewsai.com/banks/huntington/vs-peers)
- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) · [vs peers](https://www.bankingnewsai.com/banks/first-merchants/vs-peers)
- [First Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) · [vs peers](https://www.bankingnewsai.com/banks/busey/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)

## Sources

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29. Alexander Bush, EVP, Chief Data Officer & CIO, Associated Bank (Digital Banking speaker profile) — American Banker, Apr 23, 2026. https://digital-banking.americanbanker.com/profile/alexander-bush
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31. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
32. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
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39. 2025 Annual Report — Commerce Bancshares, Feb 24, 2026. https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf
40. Banking on a mission (AlloSource client story) — Commerce Bank, Aug 19, 2025. https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission
41. Iowa-based electrical contractor reduces payment processing time — Commerce Bank, Jan 17, 2025. https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time
42. How to stay safe from AI-powered fraud — Commerce Bank, Jul 19, 2024. https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud
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44. Acquisitive Old National eyes growth in Midwest, Southeast — American Banker, Jan 21, 2025. https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast
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46. Google Patents assignee search: Old National Bank (only third-party patents that mention the bank) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bank%22
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83. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Old National Bancorp (SEC filings), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm
84. Associated Bank announces hiring of Alexander Bush, executive vice president, chief data officer — Associated Bank newsroom, Feb 24, 2026. https://newsroom.associatedbank.com/releases/associated-bank-announces-hiring-of-alexander-bush-executive-vice-president-chief-data-officer
85. Affirm seeks bank apps to build its BNPL empire — American Banker, May 13, 2026. https://www.americanbanker.com/payments/news/affirm-wants-to-embed-bnpl-in-banking-apps
86. Huntington Bank Named the United States' Best Digital Bank for Consumers — Huntington, Jul 20, 2026. https://ir.huntington.com/news-presentations/press-releases/detail/1004/huntington-bank-named-the-united-states-best-digital-bank-for-consumers
87. Earnings call transcript: Old National Bancorp beats Q4 2025 EPS forecast — Investing.com, Jan 21, 2026. https://investing.com/news/transcripts/earnings-call-transcript-old-national-bancorp-beats-q4-2025-eps-forecast-93CH-4458267
88. Old National Names Matt Keen Chief Information Officer — Old National Bancorp (GlobeNewswire via Yahoo Finance), Jul 1, 2025. https://finance.yahoo.com/news/old-national-names-matt-keen-171600871.html

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