# Pinnacle Financial Partners competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/pinnacle/competitors
Last updated: Oct 19, 2026

*Part of the [Pinnacle Financial Partners AI strategy profile](https://www.bankingnewsai.com/banks/pinnacle). Peer group: First Horizon, SouthState Bank, Regions Financial, Truist Financial, Hancock Whitney, United Community Banks, Atlantic Union Bankshares, Ameris Bancorp, Cullen/Frost Bankers.*

## Who are Pinnacle Financial Partners's competitors, and what are the alternatives?

Pinnacle's 2025 10-K, filed March 2, 2026, says its competitors 'primarily include national, large regional and internet banks' in its markets, plus community banks, credit unions, finance companies, brokers and, increasingly, debt-focused private equity lenders. After its January 1, 2026 merger with Synovus it is a $129.1 billion bank with offices in nine states, and FDIC data at June 30, 2026 rank it No. 1 by deposits in the Nashville MSA (21.1% share), No. 4 in Atlanta (6.7%), No. 2 in Tennessee and No. 4 in Georgia. In Tennessee its rivals are First Horizon, with 137 banking centers there, and Regions, with 194 Tennessee branches and 12 to 16 more planned; in Georgia, Truist ranks 1st by deposit share. Its model competes for people as much as for clients: it hired 124 revenue producers in the first half of 2026 against a goal of 225 to 250, and its first-quarter hires came from banks like Chase, Wells Fargo, Truist and First Citizens. In commercial banking SouthState, also in its 2025 peer group, competes for the same Southeast middle market; Pinnacle reported a combined 50 Coalition Greenwich Best Bank awards in February 2026, which it says is more than any other US bank. The non-bank rivals sit in lending and everyday banking: the 10-K names private-credit funds, Chime sells a branchless account to 10.4 million active members, and Block lists banks among Square's competitors. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231000BIZWIRE_USPRX____20260723_BW811877-1), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

## What does Pinnacle say about its competition?

"We face substantial competition in all areas of our operations from a variety of different competitors, many of whom are larger and have more financial resources than we do. Such competitors primarily include national, large regional and internet banks within the various markets in which we operate, though we also compete with smaller community banks that seek to offer service levels similar to ours. We also face competition from many other types of institutions, including, without limitation, savings and loans associations, credit unions, finance companies, brokerage firms, insurance companies and other financial intermediaries. Lending by debt-focused private equity firms has continued to increase, with increasing amounts of capital being invested in such funds." ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm))

"The financial services industry is becoming even more competitive as a result of legislative, regulatory and technological changes and continued consolidation. Banks, securities firms, and insurance companies can operate as affiliates under the umbrella of a financial holding company, which can offer virtually any type of financial service, including banking, securities underwriting, insurance (both agency and underwriting) and merchant banking. Also, technology has lowered barriers to entry and made it possible for nonbanks to offer products and services traditionally provided by banks, such as automatic transfer and automatic payment systems. Many of our nonbank competitors have fewer regulatory constraints and may have lower cost structures. Additionally, due to their size, many competitors may be able to achieve economies of scale and, as a result, may be able to develop and offer a broader range of products and services as well as better pricing for those products and services. Finally, our competitors may choose to offer lower interest rates and pay higher deposit rates than we do." ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm))

"We believe that the most important criteria to our bank's targeted clients when selecting a bank is their desire to receive exceptional and personal service from financial professionals they know and trust. Equally important is being able to enjoy convenient access to a broad array of financial products offered by a financial institution with an ability to meet the changing needs of a sophisticated client base. Additionally, when presented with a choice, we believe that many of our bank's targeted clients would prefer to deal with an institution that favors local decision making as opposed to one where many important decisions regarding a client's financial affairs are made outside of the local community." ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm))

From the risk factors of the same 10-K: "We compete with both large regional and national financial institutions, who are sometimes able to offer more attractive interest rates and other financial terms than we choose to offer, and smaller community-based financial institutions who seek to offer a similar level of service to that which we offer, sometimes at interest rates more attractive than what we offer." (2025 Form 10-K, filed March 2, 2026.) ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm))

## Who competes with Pinnacle in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Tennessee, Georgia, the Carolinas, Alabama and Florida | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Truist's 2025 10-K ranks it 1st by deposit share in Georgia, 2nd in North Carolina and 3rd in South Carolina; Pinnacle ranks No. 4 in Georgia, No. 10 in North Carolina and No. 6 in South Carolina (FDIC data, June 30, 2026), and Truist is among the banks its 2026 hires came from. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26)) |
| Home region: Tennessee, Georgia, the Carolinas, Alabama and Florida | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | Bank | A member of Pinnacle's 2025 compensation peer group headquartered in Memphis, with 137 of its 412 southern banking centers in Tennessee; Pinnacle ranks No. 2 by deposits in Tennessee and No. 3 in Memphis (June 30, 2026). ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee)) |
| Home region: Tennessee, Georgia, the Carolinas, Alabama and Florida | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Regions runs 194 branches in Tennessee, 184 in Alabama and 117 in Georgia, and in March 2026 pulled forward a branch plan that includes 12 to 16 new Tennessee branches, with several in Nashville, Pinnacle's No. 1 market. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast)) |
| Home region: Tennessee, Georgia, the Carolinas, Alabama and Florida | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Bank | A member of Pinnacle's 2025 compensation peer group whose branches span Florida, South Carolina, Georgia, North Carolina, Alabama and Virginia, six of Pinnacle's nine states; SouthState's CEO said in April 2026 that consolidation disruption in its markets lets it grow its commercial banking team. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/southstate-ssb-q1-2026-earnings-143200598.html)) |
| Home region: Tennessee, Georgia, the Carolinas, Alabama and Florida | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Bank | A member of Pinnacle's 2025 compensation peer group operating in southern and central Alabama, the Florida panhandle and the Nashville and Atlanta metro areas, Pinnacle's two largest markets. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast)) |
| Commercial and middle-market banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | A national bank of the kind Pinnacle's 10-K names first among its competitors; Chase is one of the banks Pinnacle's first-quarter 2026 revenue producers came from, and it reported 5,083 branches in 2025. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Commercial and middle-market banking | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | A national bank whose bankers Pinnacle recruits: its April 2026 hiring release lists Wells Fargo among the banks its new revenue producers came from, and a Mobile-area treasury management hire came from PNC and earlier Wells Fargo. ([Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |
| Commercial and middle-market banking | [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | Bank | A North Carolina bank among those Pinnacle's first-quarter 2026 hires came from; Pinnacle ranks No. 10 by deposits in North Carolina, up one place in the year to June 30, 2026. ([Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast)) |
| Commercial and middle-market banking | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Bank | A member of Pinnacle's 2025 compensation peer group selling relationship banking to the same Southeast middle market; Pinnacle reported a combined 50 Coalition Greenwich Best Bank awards in February 2026, more than any other US bank by its count, and SouthState reports a Coalition Greenwich commercial score of 64 against a 60 benchmark. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Commercial and middle-market banking | Private-credit and debt-focused private equity funds | Non-bank lender | Pinnacle's 10-K says 'Lending by debt-focused private equity firms has continued to increase, with increasing amounts of capital being invested in such funds', and lists finance companies among its competitors. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |
| Retail deposits, checking and everyday digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | A national bank of the kind Pinnacle's 10-K says may offer a broader range of products and better pricing through economies of scale; it runs 3,500 financial centers and about 15,000 ATMs, while Pinnacle in many cases reimburses clients' fees for using a nationwide network of other banks' ATMs. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Retail deposits, checking and everyday digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | An internet-based rival of the kind Pinnacle's 10-K names; Chime's own 10-K claims 'a significant cost advantage compared to traditional banks' by avoiding branches, and it had 10.4 million active members at June 30, 2026. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits, checking and everyday digital banking | [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Fintech | Block's 2025 10-K lists banks among Cash App's competitors in peer-to-peer payments and debit cards, the automatic payment services Pinnacle's 10-K says nonbanks now offer; Cash App had 59 million monthly transacting actives in December 2025. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |
| Retail deposits, checking and everyday digital banking | Credit unions in the footprint | Credit union | Pinnacle's 10-K lists credit unions among the other types of institutions it competes with. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |
| Small business banking and merchant services | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Bank of America calls itself the number one small business lender in the US, citing FDIC data, and serves 4 million small businesses; Pinnacle's 10-K says its commercial loans are made to small- to medium-sized businesses. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |
| Small business banking and merchant services | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; Pinnacle's 10-K lists debit and credit cards, remote deposit capture and mobile deposit among the services it offers clients. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm)) |

## How do the AI and digital offerings of Pinnacle's competitors compare?

Pinnacle first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Pinnacle Financial Partners (this page)](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot (12.5 million+ requests from 2023 to March 2026) and Truist Insights personalization ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN internal assistant, about 15 months in production (June 2026) ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking)) | [Index 68.7 (#36); 16 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | In-house native app with personalized insights (July 2026); 2.7 million active mobile users ([Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale and a GenAI Knowledge Assistant answering 1.1K+ questions a day (June 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [Index 37.4 (#78); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance (Sep 9, 2026) ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions in under three years (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [Index 67.7 (#39); 14 use cases, 12 in production](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| Private-credit and debt-focused private equity funds | Not disclosed | No profile | Not disclosed |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped; 3.6 billion interactions since 2018 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| Credit unions in the footprint | Not disclosed | No profile | Not disclosed |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |

## Who should look beyond Pinnacle, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI assistant in their banking app today | [Truist (Truist Assist), Bank of America (Erica) or Wells Fargo (Fargo)](https://www.bankingnewsai.com/banks/truist) | Pinnacle has disclosed no customer AI assistant, and its combined app arrives in March 2027. Truist Assist logged 12.5 million+ requests from 2023 to March 2026, Erica has helped more than 24.6 million clients, and Fargo passed 1 billion interactions in March 2026. ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| People who need branches outside the Southeast and Mid-Atlantic | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Pinnacle's offices are in Tennessee, Georgia, Florida, North Carolina, South Carolina, Alabama, Kentucky, Virginia and Maryland. Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers. ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Pinnacle's model rests on personal service from financial advisors clients know, per its 10-K. Chime avoids branches, had 10.4 million active members at June 30, 2026, and offers some members Jade, an in-app AI financial partner. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Small businesses that want SBA lending run on generative-AI origination software | [Huntington or Live Oak](https://www.bankingnewsai.com/banks/huntington) | Pinnacle has not disclosed AI in small-business lending, and its credit-intelligence work has no system on the record. Huntington and Live Oak, which Casca describes as the number-one and number-two SBA 7(a) lenders, were design partners for Casca's generative-AI origination software. ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending)) |
| Sellers who want card acceptance, point-of-sale software and a business account from one provider | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Block's 10-K lists point-of-sale software providers and banks that provide payment processing, checking, savings, loans and payroll among the competitors of its Square ecosystem, and Square offers Managerbot, an AI business agent, to sellers. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Square](https://squareup.com/us/en/press/managerbot-open-beta)) |

## Where does Pinnacle rank by deposits in its states and largest markets?

Pinnacle's ranks from its own releases of FDIC deposit data as of June 30, 2026, the first six months of the combined Pinnacle and Synovus, with the rival on the record in each market.

| Market | Pinnacle deposits | Rank and share | Rivals on the record there |
| --- | --- | --- | --- |
| Nashville MSA | $22.7 billion | No. 1; 21.1% | Regions plans several new Nashville branches; First Horizon 137 Tennessee banking centers ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm)) |
| Atlanta MSA | $17.1 billion | No. 4; 6.7% | Truist 1st by Georgia deposit share with 202 Georgia branches; Regions plans 6 to 10 new Atlanta-area branches ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/)) |
| Tennessee (statewide) | $32.3 billion | No. 2; 12.8%, less than one point behind No. 1 | Regions 194 Tennessee branches; First Horizon headquartered in Memphis ([Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm)) |
| Georgia (statewide) | $29.9 billion | No. 4; 8.2% | Truist 1st by deposit share; Regions 117 Georgia branches ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm)) |
| Alabama (statewide) | $8.2 billion | No. 5; 5.7% | Regions 184 Alabama branches; Hancock Whitney in southern and central Alabama ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| South Carolina (statewide) | $6.7 billion | No. 6; 5.0% | Truist 3rd by deposit share; SouthState #1 among regional banks in the Coastal South ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Florida (statewide) | $12.2 billion | No. 16; 1.4% | Truist 4th by deposit share with 441 Florida branches; Regions 270 Florida branches ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm)) |

## Which banks does Pinnacle compete with for bankers?

Pinnacle grows by hiring experienced revenue producers who bring clients with them, so its hiring releases name rivals directly.

| Period | Hires | Banks named as previous employers | Goal |
| --- | --- | --- | --- |
| Q1 2026 | 50 revenue producers, averaging more than 18 years of experience | Chase, Wells Fargo, Truist, First Citizens 'and more'; a Mobile treasury advisor from PNC | 225-250 for 2026 ([Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26)) |
| Q2 2026 | 74 revenue producers; 124 year to date, split almost evenly between legacy Synovus and legacy Pinnacle markets | Not itemized here | 225-250 for 2026 ([Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231000BIZWIRE_USPRX____20260723_BW811877-1)) |
| Through July 15, 2026 | 138 revenue producers, 27 of them in Tennessee | Not itemized | 225-250 for 2026 ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee)) |

## Common questions

### Who are Pinnacle Financial Partners' biggest competitors?

In its home states, Truist (1st by deposit share in Georgia), Regions (194 Tennessee and 117 Georgia branches) and First Horizon (137 Tennessee banking centers), plus national banks such as JPMorgan Chase, Bank of America and Wells Fargo. Among regionals, SouthState and Hancock Whitney, both in its 2025 compensation peer group. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm))

### Is Pinnacle the biggest bank in Nashville?

By deposits, yes: FDIC data at June 30, 2026 put Pinnacle No. 1 in the Nashville MSA with $22.7 billion and a 21.1% share. Statewide it ranks No. 2 in Tennessee with $32.3 billion and 12.8%, less than one percentage point behind the No. 1 bank, which its release does not name. ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee))

### Pinnacle vs Truist: who is bigger in Atlanta and Georgia?

Truist ranks 1st by deposit share in Georgia per its 2025 10-K, with 202 Georgia branches. Pinnacle, now the largest bank holding company headquartered in Georgia after the Synovus merger, ranks No. 4 in Georgia with $29.9 billion and No. 4 in the Atlanta MSA with $17.1 billion (June 30, 2026). ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast))

### Is Chime a competitor of Pinnacle?

By category, yes: Pinnacle's 10-K names internet banks among its primary competitors and says technology lets nonbanks offer services such as automatic payments. Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### What are alternatives to Pinnacle for small business banking?

Bank of America calls itself the number one US small business lender (FDIC data), serving 4 million small businesses. Huntington and Live Oak, the two largest SBA 7(a) lenders by Casca's account, worked with Casca on generative-AI loan origination. Square sells payments, point-of-sale software and banking to sellers. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm))

### Which banks does Pinnacle hire its bankers from?

Its April 2026 release says the 50 revenue producers hired in the first quarter came 'from banks like Chase, Wells Fargo, Truist, First Citizens and more', with more than 18 years of experience on average. Pinnacle hired 138 through July 15, 2026 against a 2026 goal of 225 to 250. ([Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast))

### Does Pinnacle compete with SouthState?

Yes. Each lists the other in its compensation peer group, and SouthState branches in six of Pinnacle's nine states. SouthState's CEO said in April 2026 that consolidation disruption in its markets lets it grow its commercial banking team. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/southstate-ssb-q1-2026-earnings-143200598.html))

### Is Regions a competitor of Pinnacle?

Yes, across Tennessee, Alabama and Georgia. Regions runs 194 Tennessee, 184 Alabama and 117 Georgia branches, and in March 2026 it pulled forward a plan for 135 to 150 new branches that includes 12 to 16 in Tennessee, several in Nashville. Pinnacle ranks No. 1 in Nashville, No. 2 in Tennessee and No. 5 in Alabama by deposits. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee))

### Who competes with Pinnacle in North Carolina?

Truist, which ranks 2nd by deposit share in North Carolina per its 2025 10-K, and First Citizens, one of the banks Pinnacle's 2026 hires came from. Atlantic Union is opening branches in Raleigh and Wilmington. Pinnacle ranks No. 10 in North Carolina with $7.7 billion and 1.1% of deposits, No. 8 in Charlotte and No. 3 in Greensboro-High Point. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Pinnacle Financial Partners](https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast))

## Peers on this site

- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [Truist Financial AI strategy](https://www.bankingnewsai.com/banks/truist) · [vs peers](https://www.bankingnewsai.com/banks/truist/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/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)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)

## Sources

1. Pinnacle Financial Partners, Inc. Annual Report on Form 10-K for 2025 — Pinnacle Financial Partners (SEC filing), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm
2. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion
3. Pinnacle is the No. 1 bank in Nashville by deposits and No. 4 in Atlanta as deposit growth shows continued momentum across the Southeast — Pinnacle Financial Partners, Sep 22, 2026. https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-and-no-4-in-atlanta-as-deposit-growth-shows-continued-momentum-across-the-southeast
4. Pinnacle is the No. 1 bank in Nashville by deposits, No. 2 in Chattanooga, No. 3 in Knoxville, No. 3 in Memphis and No. 2 in Tennessee — Pinnacle Financial Partners, Sep 23, 2026. https://pnfp.com/news/news-releases/pinnacle-is-the-no-1-bank-in-nashville-by-deposits-no-2-in-chattanooga-no-3-in-knoxville-no-3-in-memphis-and-no-2-in-tennessee
5. First Horizon Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First Horizon (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm
6. Regions Financial Corporation Annual Report on Form 10-K for 2025 — Regions Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm
7. Regions accelerates plan to build 150 new branches — Banking Dive, Mar 13, 2026. https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/
8. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
9. Pinnacle Financial Partners adds experienced revenue producers in second quarter as growth model continues to accelerate — Business Wire via FT Markets, Jul 23, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607231000BIZWIRE_USPRX____20260723_BW811877-1
10. Pinnacle Financial Partners powers recruiting growth engine with 50 new revenue producing team members in 1Q26 — Pinnacle Financial Partners, Apr 23, 2026. https://pnfp.com/news/news-releases/pinnacle-financial-partners-powers-recruiting-growth-engine-with-50-new-revenue-producing-team-members-in-1q26
11. Pinnacle Financial Partners Earns a Combined 50 Coalition Greenwich Best Bank Awards – More Than Any Other Bank in the Country — Pinnacle Financial Partners, Feb 11, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country
12. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
13. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
14. SouthState Bank Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SouthState Bank Corporation (SEC filings), Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm
15. SouthState (SSB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 24, 2026. https://finance.yahoo.com/markets/stocks/articles/southstate-ssb-q1-2026-earnings-143200598.html
16. Hancock Whitney Corporation Annual Report on Form 10-K for 2025 — Hancock Whitney (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm
17. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
18. SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — SouthState Bank Corporation (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm
19. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
20. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
21. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
22. Pinnacle points to new hires as proof that merger is working — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working
23. AI and Treasury Management: More Opportunity, More Risk — Pinnacle Financial Partners, Jun 1, 2026. https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/
24. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
25. Pinnacle Financial Partners (PNFP) Q2 FY2026 earnings call transcript — Yahoo Finance (earnings call transcript), Jul 23, 2026. https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html
26. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
27. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
28. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
29. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
30. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
31. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
32. Regions Bank Launches Personalized Insights for Mobile Banking Customers — Business Wire via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1
33. Regions Bank's Mobile Upgrade Drives Digital Transactions to 80% — PYMNTS, Jul 17, 2026. https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/
34. 'Progressive modernization' for cores — ABA Banking Journal, Oct 6, 2026. https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores
35. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
36. Nate Gardner, Chief Xperience Officer, MX (Digital Banking speaker profile; session 'From Old Money to New Momentum: How Hancock Whitney Modernized for the Next Generation') — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/nate-gardner
37. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
38. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients — Hancock Whitney, Nov 12, 2025. https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients
39. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
40. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
41. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
42. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
43. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
44. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
45. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
46. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
47. Frontier AI Fact Sheet — First Citizens Bank, Jul 3, 2026. https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf
48. First Citizens Bank Corporate Profile 1Q26 — First Citizens Bank, Apr 30, 2026. https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf
49. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
50. First Citizens Bank Launches New Innovation Banking Brand — First Citizens Bank, Oct 6, 2026. https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand
51. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
52. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
53. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
54. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
55. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
56. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
57. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
58. How AI is quickly overhauling one segment of SBA lending — American Banker, Apr 28, 2026. https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending
59. Huntington, Live Oak to invest in, deploy gen AI-based lending — American Banker, Aug 19, 2025. https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending
60. SouthState Bank Corporation Definitive Proxy Statement (DEF 14A) for the 2026 annual meeting — SouthState Bank Corporation (SEC filings), Mar 3, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm
61. Atlantic Union plans more branches to speed Carolinas growth — American Banker, Oct 23, 2025. https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth

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