# Pinnacle Financial Partners vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/pinnacle/vs-peers
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.*

## 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. ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [American Banker](https://americanbanker.com/video/digital-banking-2024/reframing-personalized-engagement-synovus-partnership-with-personetics), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm))

## Where does Pinnacle lead its peers on AI?

- **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. ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462))
- **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. ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760))
- **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. ([American Banker](https://americanbanker.com/video/digital-banking-2024/reframing-personalized-engagement-synovus-partnership-with-personetics), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel))
- **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. ([Q2](https://q2.com/blog/turning-positive-pay-into-a-fraud-fighting-superpower), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf))

## Where does Pinnacle trail its peers on AI?

- **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. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript))
- **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. ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm))
- **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. ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm))
- **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. ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | [82.6](https://www.bankingnewsai.com/banks/ai-index) | #16 of 120 | [18](https://www.bankingnewsai.com/banks/truist#sources) | [18](https://www.bankingnewsai.com/banks/truist#sources) | [13 of 15](https://www.bankingnewsai.com/banks/truist#where) | [27](https://www.bankingnewsai.com/banks/truist#timeline) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [Pinnacle Financial Partners (this page)](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | 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)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | [38.7](https://www.bankingnewsai.com/banks/ai-index) | #75 of 120 | [4](https://www.bankingnewsai.com/banks/united-community#sources) | [27](https://www.bankingnewsai.com/banks/united-community#sources) | [8 of 13](https://www.bankingnewsai.com/banks/united-community#where) | [21](https://www.bankingnewsai.com/banks/united-community#timeline) | Not disclosed |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | [37.4](https://www.bankingnewsai.com/banks/ai-index) | #78 of 120 | [4](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [20](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [5 of 11](https://www.bankingnewsai.com/banks/hancock-whitney#where) | [13](https://www.bankingnewsai.com/banks/hancock-whitney#timeline) | 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)) |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | [20.7](https://www.bankingnewsai.com/banks/ai-index) | #97 of 120 | [2](https://www.bankingnewsai.com/banks/ameris#sources) | [18](https://www.bankingnewsai.com/banks/ameris#sources) | [9 of 11](https://www.bankingnewsai.com/banks/ameris#where) | [14](https://www.bankingnewsai.com/banks/ameris#timeline) | Not disclosed |

## 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) | Pinnacle | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 12 | 10 | [Regions (22)](https://www.bankingnewsai.com/banks/regions) | 4th of 10 |
| Use cases in production (10%) | 9 | 8 | [Regions (13)](https://www.bankingnewsai.com/banks/regions) | 4th of 10 |
| Own primary disclosures (10%) | 17 | 18 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 6th of 10 |
| Dated moves, last 12 months (10%) | 21 | 20 | [Truist (27)](https://www.bankingnewsai.com/banks/truist) | 4th of 10 |
| Disclosed numbers (5%) | 12 | 15 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 9th of 10 |
| Named AI leaders (5%) | 12 | 10 | [Regions (14)](https://www.bankingnewsai.com/banks/regions) | 4th of 10 |
| Use cases described (5%) | 12 | 13 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 6th of 10 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Pinnacle Financial Partners](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)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [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)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [10, incl. John Corbett (Chief Executive Officer)](https://www.bankingnewsai.com/banks/southstate#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1)) | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | None found (the profile's patent search) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/southstate#roles) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#roles) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Insights and the 'digital teammates' ([Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | [14, incl. Steve Hagerman (Chief Information Officer)](https://www.bankingnewsai.com/banks/truist#people) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking), [Truist](https://media.truist.com/Steve-Hagerman), [Banking Dive](https://www.bankingdive.com/news/truist-names-jpmorgan-wells-vet-next-cio/723737/)) | AI use cases deployed in 2025: 50+ (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking)) | 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) ([Google Patents (USPTO)](https://patents.google.com/patent/US12657538B2/en)) | [12+ open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/truist#roles) |
| [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)) | [8, incl. John Hairston (President and CEO)](https://www.bankingnewsai.com/banks/hancock-whitney#people) ([Hancock Whitney](https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57), [American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank)) | New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | Not disclosed | Not surveyed |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | Not disclosed | [6, incl. Lynn Harton (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/united-community#people) ([United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment), [United Community Banks (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Not disclosed | Not surveyed |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Not disclosed | [9, incl. Palmer Proctor (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ameris#people) ([Ameris Bancorp](https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) | Full-time-equivalent employees: 2,673 (Dec 31, 2025) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm)) | Not disclosed | [1 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/ameris#roles) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 6, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| Oct 2, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Oct 1, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Edmonds profiled for tokenized-deposit and instant-payments work ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Sep 18, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| Sep 18, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| Sep 16, 2026 | [Truist](https://www.bankingnewsai.com/banks/truist) | Insights scale: 4 million daily sign-ins, 500 insights a year per customer ([The Financial Brand](https://thefinancialbrand.com/news/banking-technology/how-truist-delivers-proactive-insights-to-its-app-and-online-users-199568)) |
| Sep 16, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Temenos publishes Regions case study ([Temenos](https://temenos.com/success-story/regions-bank)) |
| Sep 14, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Named as a Microsoft Copilot adopter ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| Sep 9, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| Aug 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| Aug 7, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| Aug 7, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Second-quarter 2026 10-Q ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-20260630.htm)) |
| Aug 6, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| Jul 24, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 call: no AI discussion ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964)) |
| Jul 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## 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.

| Bank | Assistant, team or tool | Usage or scale disclosed | Date |
| --- | --- | --- | --- |
| Pinnacle | ChatPFP; a head of AI and an AI engineering team | 18,000 banker questions answered, 3,000+ hours saved; almost 20 AI engineers and 40 power users | April and July 2026 ([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), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) |
| SouthState | Microsoft Copilot and a GenAI Knowledge Assistant | 2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a day | June 30, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| First Horizon | ChatFHN and an internal AI contest | About 15 months in production; 100 AI ideas from the contest | June and September 2026 ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |
| Regions | GitHub and Microsoft copilots; ATLAS Gen AI Gateway | Copilots for more than 12,000 associates; GitHub Copilot for about 80% of developers | May and September 2026 ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html)) |
| Truist | Generative-AI call summaries in care centers | 4.5 million+ summaries; 36,000+ teammate hours saved in Q2 2026 | September 2026 ([Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions)) |
| Atlantic Union | Automated conversion and validation tooling for the Sandy Spring integration | More than 80 million data values validated without sampling | June 2026 ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |

## 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.

| Bank | Feature or move | When | Scale disclosed |
| --- | --- | --- | --- |
| Pinnacle | My Synovus Insights (Personetics); vendor AI insights to clients and advisors; a new app for the combined bank | July 2023; about two years to July 2026; March 2027 | About 60 insights live (July 2024); more than 200,000 customers moving ([American Banker](https://americanbanker.com/video/digital-banking-2024/reframing-personalized-engagement-synovus-partnership-with-personetics), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Regions | In-house native app, then personalized insights on spending, subscriptions and cash flow | July 2025; July 2026 | 2.7 million active mobile users; digital 80% of transactions ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [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/)) |
| Truist | Truist Assist chatbot and Truist Insights | 2023 onward | 12.5 million+ Assist requests to March 2026; 5.4 million active mobile users ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html)) |
| Frost | Digital account opening on Blend | August 2026 | Completion rates up from 50% to 80%; manual reviews down from 15% to 3% ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) |
| Hancock Whitney | New mobile app built with MX | June 2026 | Rated sixth best among banks and credit unions per an MX session description ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) |

## 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.

| Bank | Tool or approach | Result disclosed | Date |
| --- | --- | --- | --- |
| 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 2025 | June 2025; October 2026 ([Q2](https://q2.com/blog/turning-positive-pay-into-a-fraud-fighting-superpower), [Synovus (Business Wire)](https://businesswire.com/news/home/20250225278851/en/Synovus-prioritizes-fraud-protection-with-Carefull), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| United Community | Vendor-delivered AI in fraud and the contact center | Fraud losses down 50% over two years | April 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |
| Truist | Machine learning for defined patterns, generative AI for undefined threats | Not disclosed as a loss figure | 2025-2026 ([American Banker](https://www.americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud)) |
| Regions | A biometrics tool and wider caller monitoring in the IVR | Not disclosed | Q1 2026 ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000032/rf-2026331xexhibit993fin.htm)) |
| Ameris | Voice ID (earlier system) | More than $95 million of customer funds protected | April 2026 ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf)) |

## 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. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000057/a3q26investormeetingmate.htm), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript))

### 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. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000018/pnfp-20251231.htm))

### 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. ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://americanbanker.com/video/digital-banking-2024/reframing-personalized-engagement-synovus-partnership-with-personetics), [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))

### 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. ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners))

### 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. ([Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners), [American Banker](https://americanbanker.com/video/digital-banking-2024/reframing-personalized-engagement-synovus-partnership-with-personetics), [Synovus (Business Wire)](https://businesswire.com/news/home/20250225278851/en/Synovus-prioritizes-fraud-protection-with-Carefull))

### 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. ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-announces-earnings-for-second-quarter-2026), [PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/the-truist-cio-is-34-on-the-most-innovative-people-in-finance-ranking))

### 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. ([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), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html))

### 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. ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000043/a14-pinnaclecodeofbusiness.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Investing.com](https://investing.com/news/transcripts/regions-financial-at-citis-fintech-conference-modernization-and-ai-focus-93CH-4368694), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm))

## 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

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