# Popular, Inc. vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/popular/vs-peers
Last updated: Oct 19, 2026

*Part of the [Popular, Inc. AI strategy profile](https://www.bankingnewsai.com/banks/popular). Peer group: First Horizon, SouthState Bank, Pinnacle Financial Partners, EverBank Financial Corp, East West Bancorp, Wintrust Financial Corporation, Webster Bank, Old National Bancorp.*

## How does Popular, Inc. compare with its peers on AI and technology?

Popular scores 32.1 on this site's US AI disclosure index (#85 of 120), eighth of the nine similar-sized regional banks in its peer group, ahead only of EverBank (3.3) and behind SouthState (70.9), Webster (68.7), First Horizon (68.7), Old National (66), Pinnacle (65.3), East West (49.2) and Wintrust (38.1). The gap is disclosure: Popular has five independent sources on its AI against a peer median of 11, and none of its last four earnings calls, October 2025 to July 2026, mentions AI. Three things separate it from named peers. Reach: Microsoft 365 Copilot had more than 1,000 active users among more than 9,000 employees in September 2025, while SouthState reports more than 2,500 premium Copilot users and 95% adoption (August 2026). Spending: Popular discloses technology and software expenses of $341.6 million for 2025; Old National reports $58.7 million of technology expense for the first half of 2026 against Popular's $180.1 million, on different definitions. Governance: a 2025 AI governance framework and a board Technology Committee chaired by Bertil Chappuis, CEO of the data and AI services firm Xtillion, oversee AI plans, but Popular names no AI executive, while Pinnacle has a head of AI and almost 20 AI engineers. In its home market Popular holds 66.4% of FDIC-insured deposits in Puerto Rico offices (June 30, 2026), and its closest local rival, Oriental, says in its 10-K that it already uses third-party AI in customer service. ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOPO/earnings/BPOPO-Q3-2025-earnings_call-366225.html), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000114036126010858/ny20054271x2_def14a.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), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APR%20AND%20YEAR%3A2026&fields=NAMEFULL%2CCERT%2CDEPSUMBR%2CYEAR&limit=500), [OFG Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1030469/000103046926000008/ofg-20251231.htm))

## Where does Popular lead its peers on AI?

- **More AI use cases in production than the peer median.** Popular's profile records nine use cases in production, third of nine against a peer median of 7.5: Microsoft 365 Copilot, robotic process automation, automatic decisions on digital loan and card applications, enhanced fraud monitoring and an AI governance framework among them. Wintrust records seven and East West eight. ([Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [IBM](https://www.ibm.com/case-studies/banco-popular), [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526263044/d46942d8k.htm))
- **A technology budget it actually publishes.** Popular reports technology and software expenses of $341.6 million for 2025, up from $290.6 million in 2023, and $180.1 million for the first half of 2026. Old National discloses $58.7 million of technology expense for the same half-year, and First Horizon's 10-K says even a substantial IT budget cannot match the largest banks' spending. Definitions differ, so the figures show disclosure, not relative effort. ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm))
- **Board AI oversight from a practitioner.** Popular's board Technology Committee, which oversees plans for emerging technologies including AI and met four times in 2025, is chaired by Bertil Chappuis, CEO of the data-engineering and AI services firm Xtillion, and a 2025 AI governance framework sets the permitted uses of AI. SouthState's risk committee chair, Martin Davis, is a former Southern Company CIO. ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000114036126010858/ny20054271x2_def14a.htm), [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf), [SouthState Bank](https://southstatebank.com/global/about/stories-and-insights/leadership-through-a-technology-lens))

## Where does Popular trail its peers on AI?

- **Almost no independent coverage of its AI.** Popular has five independent sources on its AI on this site's index, ninth of nine, against 17 for First Horizon and a peer median of 11. Its dated AI record is a 2023 hackathon, a 2025 Microsoft customer profile and AI language in its 10-K. ([Popular, Inc.](https://newsroom.popular.com/English/articles/details/2023/Popular-hosts-its-2023-A.I.-Hackathon/default.aspx), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm))
- **Silent on AI to investors while peers present it.** No AI remark appears in Popular's last four earnings calls (October 2025 to July 2026). SouthState added an 'AI at SouthState' slide to its Q2 2026 deck with 12,000-plus Copilot prompts a day, First Horizon's CEO described ChatFHN and AI credit memos at Barclays in September 2026, and Pinnacle's CEO counted almost 20 AI engineers on the July 2026 call. ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q1-2026-earnings_call-547049.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html))
- **Lower Copilot reach than SouthState.** Popular reported more than 1,000 active Copilot users among more than 9,000 employees in September 2025. SouthState raised premium Copilot licences from 300 to more than 1,800 and reports 95% adoption and about 200,000 prompts a month (August 2026). ([Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear))
- **No named AI executive.** Popular names no chief AI officer; data and AI strategy sits with Camille Burckhart, chief information and digital strategy officer. Pinnacle has a head of AI, Kevin Johnson, and First Horizon's earlier head of AI, Tyler Craft, built and rolled out ChatFHN. ([Popular, Inc.](https://newsroom.popular.com/English/about-us/leadership/default.aspx), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376))

## Where does Popular 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [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)) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #37 of 120 | [14](https://www.bankingnewsai.com/banks/webster#sources) | [17](https://www.bankingnewsai.com/banks/webster#sources) | [7 of 11](https://www.bankingnewsai.com/banks/webster#where) | [24](https://www.bankingnewsai.com/banks/webster#timeline) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [Pinnacle Financial Partners](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)) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | [49.2](https://www.bankingnewsai.com/banks/ai-index) | #59 of 120 | [7](https://www.bankingnewsai.com/banks/east-west#sources) | [15](https://www.bankingnewsai.com/banks/east-west#sources) | [8 of 10](https://www.bankingnewsai.com/banks/east-west#where) | [18](https://www.bankingnewsai.com/banks/east-west#timeline) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | [38.1](https://www.bankingnewsai.com/banks/ai-index) | #76 of 120 | [8](https://www.bankingnewsai.com/banks/wintrust#sources) | [16](https://www.bankingnewsai.com/banks/wintrust#sources) | [7 of 9](https://www.bankingnewsai.com/banks/wintrust#where) | [16](https://www.bankingnewsai.com/banks/wintrust#timeline) | Not disclosed |
| [Popular, Inc. (this page)](https://www.bankingnewsai.com/banks/popular) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #85 of 120 | [5](https://www.bankingnewsai.com/banks/popular#sources) | [14](https://www.bankingnewsai.com/banks/popular#sources) | [9 of 11](https://www.bankingnewsai.com/banks/popular#where) | [16](https://www.bankingnewsai.com/banks/popular#timeline) | Not disclosed |
| [EverBank Financial Corp](https://www.bankingnewsai.com/banks/everbank) | [3.3](https://www.bankingnewsai.com/banks/ai-index) | #109 of 120 | [10](https://www.bankingnewsai.com/banks/everbank#sources) | [5](https://www.bankingnewsai.com/banks/everbank#sources) | [0 of 5](https://www.bankingnewsai.com/banks/everbank#where) | [12](https://www.bankingnewsai.com/banks/everbank#timeline) | Not disclosed |

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

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

| Component (weight) | Popular | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 11 | [First Horizon (17)](https://www.bankingnewsai.com/banks/first-horizon) | 9th of 9 |
| Use cases in production (10%) | 9 | 7.5 | [SouthState (10)](https://www.bankingnewsai.com/banks/southstate) | 3rd of 9 |
| Own primary disclosures (10%) | 14 | 16 | [Old National (22)](https://www.bankingnewsai.com/banks/old-national) | 7th of 9 |
| Dated moves, last 12 months (10%) | 16 | 19 | [Webster (24)](https://www.bankingnewsai.com/banks/webster) | 7th of 9 |
| Disclosed numbers (5%) | 13 | 15 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 6th of 9 |
| Named AI leaders (5%) | 8 | 11 | [Webster (17)](https://www.bankingnewsai.com/banks/webster) | 8th of 9 |
| Use cases described (5%) | 11 | 11.5 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 5th of 9 |

## What has each bank in Popular'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 |
| --- | --- | --- | --- | --- | --- |
| [Popular, Inc.](https://www.bankingnewsai.com/banks/popular) | Not disclosed | [8, incl. Javier D. Ferrer (President and CEO, Popular, Inc.)](https://www.bankingnewsai.com/banks/popular#people) ([Popular, Inc. (SEC filings)](https://sec.gov/Archives/edgar/data/763901/000119312526313373/d863137d8k.htm), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html)) | Employees using Microsoft 365 Copilot (active): More than 1,000 of more than 9,000 (Sep 15, 2025) ([Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en)) | 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) |
| [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 |
| [EverBank Financial Corp](https://www.bankingnewsai.com/banks/everbank) | Not disclosed | [8, incl. Greg Seibly (Chief Executive Officer, EverBank Financial Corp)](https://www.bankingnewsai.com/banks/everbank#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609071700PR_NEWS_USPRX____NY41981-1), [EverBank](https://everbank.com/about/news/09-08-25/everbank-completes-conversion-sterling-bank)) | Not disclosed | 1 patent listed on the profile, e.g. US 6,904,412 B1 (Mortgage loan originator compliance engine) ([Google Patents (USPTO)](https://patents.google.com/patent/US6904412B1/en)) | Not surveyed |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | [9, incl. Dominic Ng (Chairman and CEO)](https://www.bankingnewsai.com/banks/east-west#people) ([East West Bancorp](https://eastwestbank.com/assets/docs/news-room/EWBC_4Q2025-Earnings-Release.pdf), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | 2026 expense growth guidance (includes AI, cyber and monitoring investment): 7% to 9% (Apr 21, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html)) | Not disclosed | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/east-west#roles) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [10, incl. Tim Crane (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/wintrust#people) ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html)) | Wintrust Specialty Finance originations, first half 2026 (with AI credit adjudication): More than 4,000 deals, roughly $500 million; team of 34 (Jun 30, 2026) ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | Not disclosed | [1 open AI roles (Oct 5, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/wintrust#roles) |
| [Webster Bank](https://www.bankingnewsai.com/banks/webster) | Category IV readiness: data, cyber and open banking ([Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1), [Webster Bank](https://websterbank.com/impact-makers-award-winners), [Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/)) | [17, incl. John Ciulla (CEO, Santander Bank, N.A.)](https://www.bankingnewsai.com/banks/webster#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Banking Dive](https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/)) | Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026) ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm)) | Not disclosed | Not surveyed |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#roles) |

## What are the latest dated moves on the AI record of Popular 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 13, 2026 | [EverBank](https://www.bankingnewsai.com/banks/everbank) | Federal Register notice of the Federal Reserve application ([Federal Register](https://www.federalregister.gov/d/2026-20887)) |
| 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 | [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)) |
| 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)) |
| Sep 28, 2026 | [EverBank](https://www.bankingnewsai.com/banks/everbank) | WaFd FAQ sets out the two systems estates ([SEC (WaFd, Inc. DEFA14A)](https://www.sec.gov/Archives/edgar/data/936528/000114036126037850/ef20082870_defa14a.htm)) |
| Sep 14, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Barclays conference: CFO describes everyday AI use ([Investing.com](https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251)) |
| Sep 8, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| Sep 1, 2026 | [Popular](https://www.bankingnewsai.com/banks/popular) | García takes over as CEO ([Popular, Inc.](https://newsroom.popular.com/English/about-us/leadership/default.aspx)) |
| Aug 26, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Wintrust insurance banking note: automated credit assessments, AI governance watch ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/08/insurance-banking-rundown.html)) |
| Aug 24, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Third among top-performing banks over $50 billion ([American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Integration plan: one platform by end-2027 ([American Banker](https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth)) |
| Aug 20, 2026 | [Webster](https://www.bankingnewsai.com/banks/webster) | Webster Bank, N.A. merges into Santander Bank, N.A. ([Webster Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm)) |
| Aug 7, 2026 | [Popular](https://www.bankingnewsai.com/banks/popular) | Q2 2026 Form 10-Q: technology and software expenses $91.0 million ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.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 29, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |

## How does Popular's employee AI compare with its peers'?

The internal AI tools each bank has named and the reach it reports. Bases differ (active users, licences, adoption rates).

| Bank | Tool | Reach disclosed | Date |
| --- | --- | --- | --- |
| Popular | Microsoft 365 Copilot; Copilot-thon and prompt-a-thon training; 2023 generative-AI hackathon with Microsoft | More than 1,000 active users among more than 9,000 employees | September 2025 ([Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [Popular, Inc.](https://newsroom.popular.com/English/articles/details/2023/Popular-hosts-its-2023-A.I.-Hackathon/default.aspx)) |
| SouthState | Microsoft Copilot and ChatGPT (the two approved gen-AI apps); a GenAI Knowledge Assistant | 2,500-plus premium Copilot users; 12,000-plus prompts a day; 95% adoption | June-August 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [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)) |
| First Horizon | ChatFHN, an internal generative-AI tool | In everybody's hands; about 15 months in production by June 2026 | June-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)) |
| Pinnacle | AI used internally and through vendors' features | Almost 20 AI engineers and 40 power users | July 2026 ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| Old National | AI centre of excellence in technology and data teams | Legacy Power BI clean-up in about a week instead of a month | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) |
| East West | AI in email, documents and presentations; Power BI dashboards built in days | Not published | September 2026 ([Investing.com](https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251)) |

## How does Popular's AI disclosure compare with its peers'?

Where each bank has put AI in front of investors: filings, decks and earnings calls.

| Bank | In filings | On calls and in decks | Latest |
| --- | --- | --- | --- |
| Popular | 2025 10-K: AI as a competitive-adoption risk, a cyber and vendor risk, and under board risk-committee oversight; no AI in the 2026 10-Qs | No AI remarks on the last four calls | July 2026 call ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.htm), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html)) |
| SouthState | Model testing before approval of gen-AI apps | An 'AI at SouthState' slide: about 90% of credit spreads by AI, 80% of monthly code AI-assisted | Q2 2026 deck ([American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| First Horizon | 2025 10-K: seeking to accelerate data capabilities and responsible use of AI | CEO on ChatFHN, 100 contest ideas and AI credit memos | September 2026 ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |
| Old National | No AI language in the 2026 10-Qs | AI centre of excellence described on the Q1 2026 call | April 2026 ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) |
| Webster | Integrated into Santander, whose investor day targets more than €1 billion a year from AI by 2028 | Group-level targets | February 2026 ([Banco Santander (SEC filings)](https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm)) |

## How does Popular's AI compare with its Puerto Rico competitors'?

The three locally based banks that hold most FDIC-insured deposits in Puerto Rico, with what each says about AI in its 2025 10-K. Deposit shares are of deposits in FDIC-insured offices in Puerto Rico at June 30, 2026; credit unions are not included.

| Bank | Share of FDIC-insured deposits in Puerto Rico | What its 2025 10-K says about AI | Other AI on the record |
| --- | --- | --- | --- |
| Banco Popular de Puerto Rico (Popular) | 66.4% (156 offices) | AI as a competitive-adoption risk, a cyber and vendor risk, and under board oversight | Microsoft 365 Copilot; 2025 AI governance framework ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APR%20AND%20YEAR%3A2026&fields=NAMEFULL%2CCERT%2CDEPSUMBR%2CYEAR&limit=500), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf)) |
| FirstBank Puerto Rico (First BanCorp) | 15.8% (57 offices) | No mention of artificial intelligence; competitors listed include fintech companies and digital platforms | Not on this site's record ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APR%20AND%20YEAR%3A2026&fields=NAMEFULL%2CCERT%2CDEPSUMBR%2CYEAR&limit=500), [First BanCorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1057706/000105770626000007/fbp-20251231.htm)) |
| Oriental Bank (OFG Bancorp) | 11.3% (43 offices) | Has adopted AI 'mainly in customer service channels and data analytics' through third-party vendors and builds no proprietary AI | AI-powered self-service platform for leaders' analytics and development ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APR%20AND%20YEAR%3A2026&fields=NAMEFULL%2CCERT%2CDEPSUMBR%2CYEAR&limit=500), [OFG Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1030469/000103046926000008/ofg-20251231.htm)) |

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

Popular, Inc. is compared here with First Horizon, SouthState Bank, Pinnacle Financial Partners, EverBank Financial Corp, East West Bancorp, Wintrust Financial Corporation, Webster Bank and Old National Bancorp: the US banks on this site nearest to it in business model (regional or retail-commercial bank) and assets on the Federal Reserve's large-bank list, with a preference for its home region (Southeast). Popular, Inc. is classed as a regional or retail-commercial bank in the Southeast.

## Common questions

### Is Popular behind other banks on AI?

On what it discloses, yes: this site's index scores Popular 32.1, eighth of nine similar-sized regionals, and none of its last four earnings calls mentions AI. Its record shows Microsoft 365 Copilot for employees since late 2023, a 2023 generative-AI hackathon, a 2025 AI governance framework and board oversight of AI plans. SouthState, Webster and First Horizon score near 70 with named tools and investor-facing AI metrics. ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [Popular, Inc.](https://newsroom.popular.com/English/articles/details/2023/Popular-hosts-its-2023-A.I.-Hackathon/default.aspx), [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000114036126010858/ny20054271x2_def14a.htm))

### How does Popular's AI compare with Oriental's (OFG)?

Oriental says more about AI in its filing. OFG's 2025 10-K says it has adopted AI mainly in customer service channels and data analytics, uses third-party vendors' AI and builds no proprietary systems, and lists keeping pace with AI as a strategic risk. Popular's 10-K treats AI as a competitive, cyber and governance topic without describing deployments; its disclosed AI use is Copilot for employees. ([OFG Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1030469/000103046926000008/ofg-20251231.htm), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en))

### How does Popular's AI compare with FirstBank's?

Neither discloses much. FirstBank's parent, First BanCorp, does not mention artificial intelligence in its 2025 10-K, though it lists fintech companies and digital platforms among its competitors. Popular's 10-K names AI as a risk and a board-oversight topic, and Popular reports Copilot use and an AI governance framework. Popular is far larger at home, with 66.4% of FDIC-insured deposits in Puerto Rico offices against FirstBank's 15.8%. ([First BanCorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/1057706/000105770626000007/fbp-20251231.htm), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Popular, Inc.](https://documents.popular.com/pdfs/SOC/reporte-sustentabilidad-2025.pdf), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3APR%20AND%20YEAR%3A2026&fields=NAMEFULL%2CCERT%2CDEPSUMBR%2CYEAR&limit=500))

### How does Popular's technology spending compare with its peers'?

Popular publishes a full technology and software expense line: $341.6 million in 2025 and $180.1 million in the first half of 2026, with $12.5 million of the 2025 increase tied to cloud infrastructure. Old National reports $58.7 million of technology expense for the first half of 2026. Popular discloses no separate AI budget, and its CFO says technology projects are not slowed to meet expense guidance. ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html))

### Who leads AI at Popular compared with its peers?

Popular has no chief AI officer; Camille Burckhart, chief information and digital strategy officer, leads data and AI strategy, and the board Technology Committee under Bertil Chappuis oversees AI plans. Pinnacle has a head of AI, Kevin Johnson; SouthState has an AI enablement manager; and Webster now sits under Santander's group chief data and AI officer. ([Popular, Inc.](https://newsroom.popular.com/English/about-us/leadership/default.aspx), [Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000114036126010858/ny20054271x2_def14a.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [Banco Santander](https://www.santander.com/en/stories/santander-data-ai-first-strategy-accelerates-through-openai-collaboration))

### Why does Popular rank eighth in its peer group on this site's index?

The index weighs independent coverage at 45%, and Popular has five independent sources, the fewest in the group. It is third on AI use cases in production (nine) but seventh on its own disclosures and dated moves, and has no named AI platform. The score measures what is on the public record about AI, not how much Popular uses it. ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000119312526085756/d17859d10k.htm), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html))

### How does Popular's AI compare with SouthState's?

SouthState has put far more on the record: it scores 70.9 on this site's index against Popular's 32.1. SouthState reports more than 2,500 premium Copilot users, about 90% of credit spreads done by AI and 80% of monthly code AI-assisted (Q2 2026 deck). Popular reports more than 1,000 active Copilot users among more than 9,000 employees (September 2025) and no AI metrics on its calls. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html))

## 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)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [EverBank Financial Corp AI strategy](https://www.bankingnewsai.com/banks/everbank) · [vs peers](https://www.bankingnewsai.com/banks/everbank/vs-peers)
- [East West Bancorp AI strategy](https://www.bankingnewsai.com/banks/east-west) · [vs peers](https://www.bankingnewsai.com/banks/east-west/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Webster Bank AI strategy](https://www.bankingnewsai.com/banks/webster) · [vs peers](https://www.bankingnewsai.com/banks/webster/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)

## Sources

1. Popular, Inc. (BPOP) Q2 FY2026 earnings call transcript — Yahoo Finance (Quartr), Jul 23, 2026. https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html
2. Popular, Inc. (BPOPO) Q3 FY2025 earnings call transcript — Yahoo Finance (Quartr), Oct 23, 2025. https://finance.yahoo.com/quote/BPOPO/earnings/BPOPO-Q3-2025-earnings_call-366225.html
3. Popular's Luis Montalvo on how a 'digital teammate' is transforming the workplace — Microsoft Source LATAM, Sep 15, 2025. https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en
4. 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
5. The Playbook for Enterprise AI Adoption with Walt Wear (Community Bank Podcast) — SouthState Correspondent Division, Aug 3, 2026. https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear
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7. Popular, Inc. Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2026 — Popular, Inc. (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.htm
8. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure
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13. Summary of Deposits: offices in Puerto Rico, June 30, 2026 (FDIC BankFind API, index of 2026-09-18; retrieved 2026-10-19) — Federal Deposit Insurance Corporation, Sep 18, 2026. https://api.fdic.gov/banks/sod?filters=STALPBR%3APR%20AND%20YEAR%3A2026&fields=NAMEFULL%2CCERT%2CDEPSUMBR%2CYEAR&limit=500
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15. Banco Popular (undated page, retrieved 2026-10-05) — IBM, Oct 5, 2026. https://www.ibm.com/case-studies/banco-popular
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18. Leading Others Through a Technology Lens — SouthState Bank, Feb 20, 2026. https://southstatebank.com/global/about/stories-and-insights/leadership-through-a-technology-lens
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20. Popular, Inc. (BPOP) Q1 FY2026 earnings call transcript — Yahoo Finance (Quartr), Apr 23, 2026. https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q1-2026-earnings_call-547049.html
21. First Horizon at Barclays conference: push for deeper banking ties — Investing.com, Sep 15, 2026. https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760
22. Leadership (page retrieved 2026-10-14) — Popular, Inc., Oct 14, 2026. https://newsroom.popular.com/English/about-us/leadership/default.aspx
23. First Horizon at Raymond James Conference: Strategic Growth and Challenges (transcript) — Investing.com, Mar 3, 2026. https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376
24. 6 things banks look for in gen AI models and companies — American Banker, Jan 14, 2025. https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies
25. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
26. #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
27. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
28. Webster eyes $100B threshold, invests in hiring and tech — Banking Dive, Mar 14, 2025. https://www.bankingdive.com/news/webster-bank-100b-threshold-hiring-tech-cybersecurity-nafde/742553/
29. Webster Bank Implements Prolific Banking's FI-Streams Connector to Enable Commercial Client Financial Data Connectivity — Business Wire via FT Markets, Jun 11, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606111200BIZWIRE_USPRX____20260611_BW592775-1
30. Impact Makers Award Winners – Q2 2026 — Webster Bank, Jun 10, 2026. https://websterbank.com/impact-makers-award-winners
31. Santander to buy Webster for $12.3B — Banking Dive, Feb 3, 2026. https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/
32. Old National Receives 2026 Trust in Banking Award — Old National Bancorp, Jan 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award
33. Old National Bank, Axletree Solutions Partnership Finalizes Critical Swift Architecture, Achieves ISO 20022 Compliance for 2026 — GlobeNewswire via FT Markets, Feb 10, 2026. https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5
34. Four tips to identify AI solutions that solve real business problems — Old National Bank, Apr 11, 2025. https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/
35. What not to share when using AI for personal finance help — Old National Bank, May 26, 2026. https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/
36. 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
37. 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/
38. 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
39. Banking & Finance Quarterly: Enduring Headwinds (Los Angeles Business Journal interview, reprinted by East West Bank) — East West Bank, Mar 2, 2026. https://eastwestbank.com/en/newsroom/inthenews_030226
40. East West Bank to Offer Commercial Clients Worldpay Solutions — PYMNTS, Oct 8, 2025. https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/
41. The top-performing banks with more than $50B of assets in 2025 — American Banker, Aug 24, 2026. https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025
42. Popular, Inc. Form 8-K: Retirement of Javier D. Ferrer; appointment of Jorge J. García as President and Chief Executive Officer — Popular, Inc. (SEC filings), Jul 23, 2026. https://sec.gov/Archives/edgar/data/763901/000119312526313373/d863137d8k.htm
43. First Horizon keeps options open amid M&A uptick — Banking Dive, Oct 15, 2025. https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/
44. First Horizon (FHN) Q1 2026 Earnings Transcript — Yahoo Finance, Apr 15, 2026. https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html
45. SouthState Bank Corporation Reports Second Quarter 2026 Results, Declares an Increase in the Quarterly Cash Dividend — PR Newswire via FT Markets, Jul 23, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1
46. 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
47. Pinnacle Financial, Synovus name leadership team to steer combined bank — Reuters, Aug 21, 2025. https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/
48. WaFd, Inc. Enters into a $3.9 Billion Reverse Merger Transaction with EverBank Financial Corp — PR Newswire via FT Markets, Sep 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609071700PR_NEWS_USPRX____NY41981-1
49. EverBank Completes Conversion and Rebrand of Sterling Bank & Trust — EverBank, Sep 8, 2025. https://everbank.com/about/news/09-08-25/everbank-completes-conversion-sterling-bank
50. US6904412B1: Method and apparatus for a mortgage loan originator compliance engine — Google Patents (USPTO), Jun 7, 2005. https://patents.google.com/patent/US6904412B1/en
51. East West Bancorp Reports Record Net Income for 2025 of $1.3 Billion — East West Bancorp, Jan 22, 2026. https://eastwestbank.com/assets/docs/news-room/EWBC_4Q2025-Earnings-Release.pdf
52. East West (EWBC) Q1 2026 Earnings Transcript — Yahoo Finance, Apr 21, 2026. https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html
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54. Wintrust Financial Corporation (WTFC) Q2 FY2026 earnings call transcript — Yahoo Finance (Quartr), Jul 21, 2026. https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html
55. Wintrust Financial Corporation Appoints Two Members to Board of Directors — Wintrust Financial Corporation (GlobeNewswire), Oct 2, 2025. https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html
56. AI driving funding growth via credit adjudication — Equipment Finance News (first published by sister title FinAi News), Aug 6, 2026. https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/
57. Santander sets a new standard for profitable growth (Investor Day press release, filed on Form 425 regarding Webster) — Banco Santander (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/801337/000095010326002606/dp242029_425-2.htm
58. Acquisitive Old National eyes growth in Midwest, Southeast — American Banker, Jan 21, 2025. https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast
59. Old National (ONB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html
60. Google Patents assignee search: Old National Bancorp (0 results) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bancorp%22
61. Google Patents assignee search: Old National Bank (only third-party patents that mention the bank) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bank%22
62. Formations of, Acquisitions by, and Mergers of Bank Holding Companies (WaFd, Inc. and EverBank Financial Corp), 91 FR 64930 — Federal Register, Oct 13, 2026. https://www.federalregister.gov/d/2026-20887
63. 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
64. 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
65. The Most Powerful Women in Banking NEXT, #14, Tara Edmonds, SouthState Bank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank
66. The Most Powerful Women in Banking Women to Watch, #10, Tammy LoCascio, First Horizon — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon
67. 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
68. WaFd, Inc. Schedule 14A (DEFA14A): employee FAQ on the EverBank merger, 28 September 2026 — SEC (WaFd, Inc. DEFA14A), Sep 28, 2026. https://www.sec.gov/Archives/edgar/data/936528/000114036126037850/ef20082870_defa14a.htm
69. East West Bank at Barclays conference: growth, fees and capital (transcript) — Investing.com, Sep 14, 2026. https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251
70. Financing the AI innovation roadmap — Wintrust Financial Corporation, Sep 8, 2026. https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html
71. Insurance Banking Rundown — Wintrust Financial Corporation, Aug 26, 2026. https://wintrust.com/articles/2026/08/insurance-banking-rundown.html
72. Santander isn't rushing into Webster integration: US CEO — American Banker, Aug 20, 2026. https://www.americanbanker.com/news/with-webster-in-hand-santander-says-its-poised-for-growth
73. Webster Financial Corporation Form 8-K: completion of the acquisition by Banco Santander and merger of Webster Bank into Santander Bank, N.A. — Webster Financial (SEC filings), Aug 20, 2026. https://www.sec.gov/Archives/edgar/data/801337/000119312526357758/d919931d8k.htm
74. Pinnacle Financial Partners, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Pinnacle Financial Partners (SEC filing), Aug 4, 2026. https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm
75. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Old National Bancorp (SEC filings), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm
76. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Old National Bancorp (SEC filings), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm
77. Old National Bancorp Q2 Earnings Call Highlights — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html
78. First BanCorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First BanCorp (SEC filing), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/1057706/000105770626000007/fbp-20251231.htm
79. Santander's data & AI-first strategy accelerates through OpenAI collaboration — Banco Santander, Aug 12, 2025. https://www.santander.com/en/stories/santander-data-ai-first-strategy-accelerates-through-openai-collaboration

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