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Pinnacle Financial Partners vs peers
AI and technology compared

Last updated Oct 19, 2026 · 9 peers · 93 sources cited

How does Pinnacle Financial Partners compare with its peers on AI and technology?

On this site's AI disclosure index Pinnacle scores 65.3 (#42 of 120 US banks), fifth in a ten-bank Southeast group behind Regions (83.8), Truist (82.6), SouthState (70.9) and First Horizon (68.7), and ahead of Atlantic Union (53.7) and Frost (49.3). What separates it is an AI team it has counted: a named head of AI, Kevin Johnson, and almost 20 AI engineers with tools for 40 power users (July 2026). Its internal assistant, ChatPFP, had answered 18,000 banker questions and saved over 3,000 hours by April 2026; First Horizon reports ChatFHN in production for about 15 months but no usage count, while SouthState's knowledge assistant answers more than 1,100 questions a day. Pinnacle's gap is the customer side. Most of its client-facing AI came with Synovus from vendors, such as Personetics-built insights launched in July 2023, and the combined bank's new app reaches more than 200,000 customers only at the March 2027 systems conversion. Peers report scale today: Regions counts 2.7 million active mobile users and launched in-app insights in July 2026, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026. Pinnacle also places 9th of 10 on disclosed AI numbers, and 'credit intelligence', one of its three stated AI priorities, has no system or result on the record, while SouthState says about 90% of its credit spreads are done by AI.[1][2][3][4][5][6][7][8][9][10]

Data as of Oct 19, 2026 · Pinnacle profile updated Oct 16, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Pinnacle lead its peers on AI?

01

A named head of AI and a counted AI engineering team

Pinnacle names a head of AI, Kevin Johnson, and its CEO said in July 2026 that the bank employs almost 20 AI engineers and has given AI tools to 40 power users. SouthState runs adoption through an AI Enablement Manager and names no AI chief in its 10-K or proxy; First Horizon reports 10 internal teams working on AI but no head count.[1][2][11][12][13]

02

A usage count for its internal assistant, unlike First Horizon

ChatPFP, an internal policy and procedures assistant first rolled out at Synovus about a year before April 2026, had answered 18,000 banker questions and saved over 3,000 hours by then. First Horizon's ChatFHN had been in production for about 15 months by June 2026 and is in every employee's hands, but First Horizon publishes no question or hours count.[3][4][14]

03

Personalized insights years before Regions launched its own

Synovus launched My Synovus Insights with Personetics in July 2023 and by July 2024 had about 60 insights live, retiring those rated below four out of five stars. Regions launched AI-driven personalized insights in its app on July 7, 2026; Hancock Whitney's MX-built app arrived in June 2026.[6][9][15]

04

Fraud results it can count against peers'

Synovus used Q2's Positive Pay to stop $89 million of fraud in 2024, $56 million of it check fraud, and its consumer team says fraud losses fell $5.7 million, or 58%, in 2025. United Community reports fraud losses down 50% over two years, partly thanks to vendors' AI; Ameris says its earlier Voice ID system protected more than $95 million of customer funds.[16][7][17][18]

Where it trails

Where does Pinnacle trail its peers on AI?

01

Fewer disclosed AI numbers than almost every peer

Pinnacle places 9th of 10 on disclosed numbers (12 against a group median of 15). SouthState leads with 20, reporting 2,500+ premium Copilot users, 12K+ prompts a day and about 90% of credit spreads done by AI at June 30, 2026; Pinnacle publishes no AI budget, savings target or adoption rate.[5][3]

02

No customer AI assistant or digital-user count before the 2027 conversion

Pinnacle's two legacy stacks run separately until March 2027, when more than 200,000 customers move to a new app. Regions reports 2.7 million active mobile users and 80% of transactions in digital channels (Q2 2026); Truist Assist handled nearly 2 million requests in 2Q26 alone.[7][2][8][19]

03

Credit AI is a stated priority without a deployed system

CEO Kevin Blair named 'credit intelligence', using AI to shorten application-to-closing time, as one of three AI priorities in April 2026; no system, vendor or result is public. SouthState says about 90% of its credit spreads are done by AI (June 30, 2026), and Regions runs RegionsClientIQ to flag early credit and attrition risk for commercial bankers.[3][5][20]

04

Less independent coverage than Regions and Truist

Pinnacle scores 12 on independent sources, fourth in the group behind Regions (22), Truist (18) and First Horizon (17). Much of its AI record comes from its own earnings calls and filings, including the Q2 2026 10-Q, which lists technology initiatives 'including those related to or involving artificial intelligence' as an execution risk.[2][21]

AI index

Where does Pinnacle rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Regions Financial83.8#15 of 120221813 of 1525AI-driven banker platforms on a modernised stack[22][23]
Truist Financial82.6#16 of 120181813 of 1527Truist Insights and the 'digital teammates'[24][25]
SouthState Bank70.9#33 of 120121610 of 2020Copilot at scale, tested models, and Fiserv agentOS agents[11][26][27]
First Horizon68.7#36 of 12017137 of 1622ChatFHN and the Enterprise Data Hub[4][28]
Pinnacle Financial Partners (this page)65.3#42 of 12012179 of 1221A head of AI inside a banker-led model[1][29][30][3][2]
Atlantic Union Bankshares53.7#52 of 12010145 of 1219Automated conversion and validation tooling (Sandy Spring integration)[31][32][33]
Cullen/Frost Bankers49.3#58 of 1207157 of 917Frost mobile app and Blend digital origination[34][35][36][37]
United Community Banks38.7#75 of 1204278 of 1321Not disclosed
Hancock Whitney37.4#78 of 1204205 of 1113MX-powered digital banking modernisation[38][15][39][40][41]
Ameris Bancorp20.7#97 of 1202189 of 1114Not disclosed
Component by component

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

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

Component (weight)PinnaclePeer medianMost in the groupPlace
Independent sources (45%)1210Regions (22)4th of 10
Use cases in production (10%)98Regions (13)4th of 10
Own primary disclosures (10%)1718United Community (27)6th of 10
Dated moves, last 12 months (10%)2120Truist (27)4th of 10
Disclosed numbers (5%)1215SouthState (20)9th of 10
Named AI leaders (5%)1210Regions (14)4th of 10
Use cases described (5%)1213SouthState (20)6th of 10
Head to head

What has each bank in Pinnacle's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Pinnacle Financial PartnersA head of AI inside a banker-led model[1][29][30][3][2]12, incl. Kevin Blair (President and CEO)[29][42][3][2]AI engineers employed: almost 20 (Jul 23, 2026)[2]Not disclosedNot surveyed
First HorizonChatFHN and the Enterprise Data Hub[4][28]13, incl. Bryan Jordan (Chairman, President and CEO)[43]AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026)[44]Not disclosedNot surveyed
SouthState BankCopilot at scale, tested models, and Fiserv agentOS agents[11][26][27]10, incl. John Corbett (Chief Executive Officer)[45]Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026)[5]None found (the profile's patent search)[12]1 open AI roles (Sep 24, 2026); most in AI engineering
Regions FinancialAI-driven banker platforms on a modernised stack[22][23]14, incl. John Turner (Chairman, President and CEO)[22][23]New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026)[22][46]1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds)[47]3 open AI roles (Oct 1, 2026); most in AI security
Truist FinancialTruist Insights and the 'digital teammates'[24][25]14, incl. Steve Hagerman (Chief Information Officer)[25][48][49]AI use cases deployed in 2025: 50+ (Jun 1, 2026)[25]4 patents listed on the profile, e.g. US 12,657,538 B2 (Audio signal processing and dynamic natural-language risk scoring of customer communications)[50]12+ open AI roles (Oct 1, 2026); most in AI engineering
Hancock WhitneyMX-powered digital banking modernisation[38][15][39][40][41]8, incl. John Hairston (President and CEO)[51][52]New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026)[15]Not disclosedNot surveyed
United Community BanksNot disclosed6, incl. Lynn Harton (Chairman, CEO and President)[53][54][55][17]Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026)[17]Not disclosedNot surveyed
Atlantic Union BanksharesAutomated conversion and validation tooling (Sandy Spring integration)[31][32][33]8, incl. John Asbury (President and CEO)[56][57][58]Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026)[31]Not disclosed0 open AI roles (Sep 24, 2026)
Ameris BancorpNot disclosed9, incl. Palmer Proctor (Chief Executive Officer)[59][60]Full-time-equivalent employees: 2,673 (Dec 31, 2025)[61]Not disclosed1 open AI roles (Oct 1, 2026); most in AI engineering
Cullen/Frost BankersFrost mobile app and Blend digital origination[34][35][36][37]12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)[62]Digital account-opening completion rate: 50% → 80% (Aug 18, 2026)[35]2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees)[63]2 open AI roles (Oct 1, 2026); most in AI security
Last 12 months

What are the latest dated moves on the AI record of Pinnacle and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 6, 2026RegionsCore deposits planned for 2027[64]
Oct 2, 2026SouthStateQ3 2026 results scheduled[65]
Oct 1, 2026SouthStateEdmonds profiled for tokenized-deposit and instant-payments work[66]
Oct 1, 2026First HorizonThe 2025 contest's winning entry: an automated CRE documentation platform[67]
Oct 1, 2026First HorizonAI file-organisation tool saves hundreds of hours in three months[68]
Oct 1, 2026PinnacleChief digital officer: 200,000-plus customers move to a new app in March 2027[7]
Sep 18, 2026United CommunityCustomer guidance on AI-enabled scams[69]
Sep 18, 2026TruistMid-table on AI-judged reputation[70]
Sep 16, 2026TruistInsights scale: 4 million daily sign-ins, 500 insights a year per customer[71]
Sep 16, 2026RegionsTemenos publishes Regions case study[72]
Sep 14, 2026United CommunityNamed as a Microsoft Copilot adopter[73]
Sep 9, 2026Hancock Whitney'AI is raising business cyber risk' guidance[40]
Aug 27, 2026FrostBlend 'Ecosystem Expander' award[74]
Aug 20, 2026FrostBlend reports agentic Autopilot results across lenders[36]
Aug 7, 2026AmerisQ2 2026 10-Q: no AI language; technology cost and premium finance figures[75]
Aug 7, 2026Hancock WhitneySecond-quarter 2026 10-Q[76]
Aug 6, 2026Atlantic UnionSecond-quarter 10-Q repeats the AI risk language[77]
Aug 4, 2026PinnacleQ2 10-Q: AI initiatives listed as an execution risk[21]
Jul 24, 2026AmerisQ2 2026 call: no AI discussion[78]
Jul 21, 2026Atlantic UnionSecond-quarter call: efficiency ratio 47.47%, ten North Carolina branches[79]
Employee AI in the group

How does Pinnacle's internal AI compare with its Southeast peers'?

Internal assistants, AI teams and tools with the usage each bank has put on the record, and the date.

BankAssistant, team or toolUsage or scale disclosedDate
PinnacleChatPFP; a head of AI and an AI engineering team18,000 banker questions answered, 3,000+ hours saved; almost 20 AI engineers and 40 power usersApril and July 2026[3][2][1]
SouthStateMicrosoft Copilot and a GenAI Knowledge Assistant2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a dayJune 30, 2026[5]
First HorizonChatFHN and an internal AI contestAbout 15 months in production; 100 AI ideas from the contestJune and September 2026[4][14]
RegionsGitHub and Microsoft copilots; ATLAS Gen AI GatewayCopilots for more than 12,000 associates; GitHub Copilot for about 80% of developersMay and September 2026[20][80]
TruistGenerative-AI call summaries in care centers4.5 million+ summaries; 36,000+ teammate hours saved in Q2 2026September 2026[81]
Atlantic UnionAutomated conversion and validation tooling for the Sandy Spring integrationMore than 80 million data values validated without samplingJune 2026[31]
Customer digital and AI features

How do Pinnacle's customer apps and AI features compare with its peers'?

The latest customer-facing digital or AI move each bank has disclosed, with any scale figure attached. Pinnacle's figures are mostly from legacy Synovus until the March 2027 conversion.

BankFeature or moveWhenScale disclosed
PinnacleMy Synovus Insights (Personetics); vendor AI insights to clients and advisors; a new app for the combined bankJuly 2023; about two years to July 2026; March 2027About 60 insights live (July 2024); more than 200,000 customers moving[6][2][7]
RegionsIn-house native app, then personalized insights on spending, subscriptions and cash flowJuly 2025; July 20262.7 million active mobile users; digital 80% of transactions[82][9][8]
TruistTruist Assist chatbot and Truist Insights2023 onward12.5 million+ Assist requests to March 2026; 5.4 million active mobile users[10][83]
FrostDigital account opening on BlendAugust 2026Completion rates up from 50% to 80%; manual reviews down from 15% to 3%[35]
Hancock WhitneyNew mobile app built with MXJune 2026Rated sixth best among banks and credit unions per an MX session description[15]
Fraud defenses

How do Pinnacle's fraud defenses compare with its peers'?

What each bank reports about fraud tools and results. Most are vendor systems; the results are the banks' own figures.

BankTool or approachResult disclosedDate
Pinnacle (Synovus)Q2 Centrix Positive Pay with AI payee match; Carefull account monitoring for clients$89 million of fraud stopped in 2024; fraud losses down $5.7 million (58%) in 2025June 2025; October 2026[16][84][7]
United CommunityVendor-delivered AI in fraud and the contact centerFraud losses down 50% over two yearsApril 2026[17]
TruistMachine learning for defined patterns, generative AI for undefined threatsNot disclosed as a loss figure2025-2026[85]
RegionsA biometrics tool and wider caller monitoring in the IVRNot disclosedQ1 2026[86]
AmerisVoice ID (earlier system)More than $95 million of customer funds protectedApril 2026[18]
The peer group

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

Pinnacle Financial Partners is compared here with First Horizon, SouthState Bank, Regions Financial, Truist Financial, Hancock Whitney, United Community Banks, Atlantic Union Bankshares, Ameris Bancorp and Cullen/Frost Bankers: chosen by the editors for this page (see the note below the table). Pinnacle Financial Partners is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in Popular, Santander US, HSBC USA and Zions, banks with other models or markets; this group holds the Southeast banks that overlap Pinnacle's nine-state footprint after the Synovus merger, including First Horizon, SouthState, Hancock Whitney and Frost from its own 2025 compensation peer group, and the two large Southeast banks, Truist and Regions, whose bankers and clients it recruits.

Common questions

Is Pinnacle better than Regions at AI?

The record cannot settle capability, but Regions has put far more on it: 83.8 on this site's disclosure index against Pinnacle's 65.3. Regions reports copilots for more than 12,000 associates and in-app insights for 2.7 million mobile users. Pinnacle reports a head of AI, almost 20 AI engineers and an internal assistant that has answered 18,000 questions.[20][8][1][2][3]

How does Pinnacle compare with SouthState on AI?

SouthState scores 70.9 on this site's disclosure index and Pinnacle 65.3. SouthState reports more adoption numbers (12K+ AI prompts a day, about 90% of credit spreads by AI); Pinnacle names a head of AI and almost 20 AI engineers, which SouthState does not. Both are in each other's compensation peer groups.[5][1][2][87][88]

Does Pinnacle have an AI virtual assistant for customers?

Not one it has disclosed. Its AI assistant on the record, ChatPFP, is for bankers. Customers get vendor-built insights, such as My Synovus Insights from Personetics, and the combined bank's new app arrives in March 2027. Truist reports 12.5 million+ Truist Assist requests to March 2026.[3][6][7][10]

How does Pinnacle compare with First Horizon on AI and technology?

First Horizon scores 68.7 on this site's disclosure index against Pinnacle's 65.3. Both run internal assistants: ChatFHN, about 15 months in production by June 2026, and ChatPFP, with 18,000 questions answered by April 2026. First Horizon is building an Enterprise Data Hub; Pinnacle is converting Synovus and Pinnacle onto one platform in March 2027.[4][3][7]

How has the Synovus merger affected Pinnacle's technology?

The merger closed on January 1, 2026, and Pinnacle has decisioned more than 250 technology platforms for a systems conversion in March 2027. AI tools have been used in process re-engineering and are planned for some of the conversion coding. Much of the client-facing AI on the record, from Personetics insights to Carefull monitoring, came from Synovus.[89][3][7][6][84]

Does Pinnacle disclose its technology or AI spending?

No AI budget or savings target is public. Pinnacle reported adjusted non-interest expense of $662 million in Q2 2026, down 2% on the quarter as merger synergies offset investment in revenue producers and technology. Regions guides technology to 10-12% of revenue, and Truist reported more than 50 AI use cases deployed in 2025.[90][22][25]

How does Pinnacle compare with Truist on AI?

Truist has put much more on the record: 82.6 on this site's disclosure index against Pinnacle's 65.3, with Truist Assist (12.5 million+ requests from 2023 to March 2026), more than 2 billion proactive insights since 2023 and generative-AI call summaries across its care centers. Pinnacle's record is internal: ChatPFP, a head of AI and almost 20 AI engineers.[10][24][81][3][1][2]

How does Pinnacle govern employee use of generative AI compared with peers?

Pinnacle's code of conduct bars team members from using generative-AI applications, or putting proprietary data into unauthorized ones, without approval through internal governance channels, and its head of AI works under a firm AI policy. Regions added a generative-AI risk framework and responsible use policy after ChatGPT; Truist bases its AI program on the NIST AI Risk Management Framework.[91][1][92][93]

Peers on this site
First Horizon AI strategy →How First Horizon compares with its peers →SouthState AI strategy →How SouthState Bank compares with its peers →Regions AI strategy →How Regions Financial compares with its peers →Truist AI strategy →How Truist Financial compares with its peers →Hancock Whitney AI strategy →How Hancock Whitney compares with its peers →United Community AI strategy →How United Community Banks compares with its peers →Atlantic Union AI strategy →How Atlantic Union Bankshares compares with its peers →Ameris AI strategy →How Ameris Bancorp compares with its peers →Frost AI strategy →How Cullen/Frost Bankers compares with its peers →
Deeper on Pinnacle
Pinnacle AI strategy: the full profile →Pinnacle Financial Partners competitors and alternatives →What is Pinnacle Financial Partners' AI strategy? →What client experience technology does Pinnacle use? →How does Pinnacle use AI for fraud detection and credit decisions? →Pinnacle AI profile →Pinnacle AI strategy →Pinnacle competitors and alternatives →SouthState vs peers on AI →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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    The Financial Brand · Sep 16, 2026
  72. Regions Bank - Success Story
    Temenos · Sep 16, 2026
  73. Banks' wealth units pursue AI — carefully
    ABA Banking Journal · Sep 14, 2026
  74. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026
    Business Wire via Yahoo Finance · Aug 27, 2026
  75. Ameris Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    Ameris Bancorp (SEC filings) · Aug 7, 2026
  76. Hancock Whitney Corporation Quarterly Report on Form 10-Q for the period ended 30 June 2026
    Hancock Whitney (SEC filings) · Aug 7, 2026
  77. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026
    SEC (EDGAR) · Aug 6, 2026
  78. Earnings call transcript: Ameris Bancorp posts Q2 2026 EPS miss as shares fall
    Investing.com · Jul 24, 2026
  79. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates
    Investing.com · Jul 21, 2026
  80. Regions Financial Eyes 150 New Branches as Deposit Strength Supports Growth
    MarketBeat (Yahoo Finance) · Sep 20, 2026
  81. Truist advances AI to create more meaningful client interactions
    Truist · Sep 9, 2026
  82. Regions aims to push 'dark mode,' other app tweaks next year
    Banking Dive · Dec 19, 2025
  83. Truist Financial Corporation (TFC) Q2 FY2026 earnings call transcript
    Yahoo Finance · Jul 17, 2026
  84. Synovus prioritizes fraud protection with Carefull
    Synovus (Business Wire) · Feb 25, 2025
  85. How Truist and Western Alliance deploy AI to fight fraud
    American Banker · Jun 4, 2025
  86. Regions Financial first quarter 2026 earnings presentation (Form 8-K, Exhibit 99.3)
    Regions Financial (SEC filing) · Apr 17, 2026
  87. SouthState Bank Corporation Definitive Proxy Statement (DEF 14A) for the 2026 annual meeting
    SouthState Bank Corporation (SEC filings) · Mar 3, 2026
  88. Pinnacle Financial Partners, Inc. Annual Report on Form 10-K for 2025
    Pinnacle Financial Partners (SEC filing) · Mar 2, 2026
  89. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion
    Pinnacle Financial Partners · Jan 2, 2026
  90. Pinnacle Financial Partners announces earnings for second quarter 2026
    Pinnacle Financial Partners · Jul 22, 2026
  91. Pinnacle Financial Partners Code of Business Conduct and Ethics (Exhibit 14 to Form 10-Q)
    Pinnacle Financial Partners (SEC filing) · May 6, 2026
  92. Regions Financial at Citi's FinTech Conference: Modernization and AI Focus
    Investing.com · Nov 19, 2025
  93. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
    Truist Financial (SEC filing) · Feb 24, 2026

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