# Renasant Corporation vs peers: AI and technology compared

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

*Part of the [Renasant Corporation AI strategy profile](https://www.bankingnewsai.com/banks/renasant). Peer group: Trustmark Corporation, Hancock Whitney, Ameris Bancorp, ServisFirst Bancshares, United Community Banks, Seacoast Banking Corporation of Florida, Simmons First National Corporation, Home BancShares (Centennial Bank), Pinnacle Financial Partners.*

## How does Renasant Corporation compare with its peers on AI and technology?

On this site's AI disclosure index Renasant scores 2.4 (#111 of 120 US banks), tenth in a ten-bank group drawn from its own compensation peers. Pinnacle (65.3), Seacoast (42.1) and ServisFirst (39.7) lead the group, and Trustmark (18.7), Simmons (3.6) and Home BancShares (3.5) sit near Renasant. The low score reflects a short public record, not a stated rejection of AI. Renasant's 2025 10-K, filed March 2, 2026, says the bank and its vendors 'have begun to incorporate AI technologies into certain business processes, services, and products'. Its 2026 proxy gives the board technology committee oversight of 'the implementation of artificial intelligence capabilities' in client-facing and back-office operations. But it names no AI tool, vendor or leader, and none of its eight earnings calls from the third quarter of 2024 to the second quarter of 2026 carried an AI remark. Peers have named theirs. ServisFirst selected Covecta's agentic AI (September 2026). Seacoast uses Quavo for disputes and Abrigo's AI loan-review assistant. Pinnacle employs almost 20 AI engineers under a head of AI (July 2026). At Trustmark, Renasant's nearest Mississippi rival, the CIO presented AI plans to the board in July 2026 after a core conversion. Renasant's technology year was its merger: The First's systems were converted in August 2025. Combined staff then fell from just under 3,400 to about 2,950 by March 2026, and the adjusted efficiency ratio was 52.82% in the first quarter of 2026. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-renasant-beats-q2-2026-eps-forecast-revenue-misses-93CH-4820923), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [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), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Yahoo Finance](https://finance.yahoo.com/quote/RNST/earnings/RNST-Q3-2025-earnings_call-366210.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript), [Renasant Corporation](https://investors.renasant.com/node/25476/pdf))

## Where does Renasant lead its peers on AI?

- **A board committee with an explicit AI remit, unlike Trustmark and Simmons.** Renasant's 2026 proxy says its technology committee oversees 'the implementation of artificial intelligence capabilities into the Bank's client-facing and back-office operations, and related risks'. Simmons' 2026 proxy mentions AI zero times, and Trustmark's 2025 10-K has no AI risk factor, mentioning AI only in economic commentary. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm))
- **A 10-K that says AI is already in use.** Renasant's 2025 10-K says it and its vendors 'have begun to incorporate AI technologies into certain business processes, services, and products', and it adds a stand-alone AI risk factor. Home BancShares' 10-K has kept the same generic generative-AI sentence since its 2023 report, and Trustmark's describes no AI use of its own. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm))
- **A merger conversion finished early, with the savings counted.** Renasant converted The First's systems in August 2025, four months after closing. Combined headcount fell by about 450 by March 2026, and the adjusted efficiency ratio improved to 52.82% from 64.43% a year earlier. Trustmark replaced a 45-year-old core only in April 2026. Home BancShares' Mountain Commerce conversion is due in November 2026. ([Renasant Corporation](https://investors.renasant.com/news-releases/news-release-details/renasant-corporation-completes-merger-first-bancshares-inc/), [Yahoo Finance](https://finance.yahoo.com/quote/RNST/earnings/RNST-Q3-2025-earnings_call-366210.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript), [Renasant Corporation](https://investors.renasant.com/node/25476/pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/news/trmk-q2-deep-dive-loan-151702996.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-q2-earnings-call-200326244.html))

## Where does Renasant trail its peers on AI?

- **The lowest AI disclosure score in its peer group.** Renasant scores 2.4 against a group led by Pinnacle at 65.3, and places last on dated moves in the last 12 months and on named AI leaders. Its only named leaders on the profile are the CEO and the chief experience officer. Pinnacle names a head of AI, Kevin Johnson, and almost 20 AI engineers. ([Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html), [NCR Atleos (Business Wire)](https://www.businesswire.com/news/home/20250224728636/en/Renasant-Bank-Deepens-NCR-Atleos-Collaboration-to-Strengthen-Self-Service-Banking-and-Support-Growth), [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))
- **No AI on eight straight earnings calls; Trustmark's CEO has started talking.** None of Renasant's earnings calls from the third quarter of 2024 to the second quarter of 2026 included an AI remark; asked about technology investment in July 2026, management spoke of hiring and expense run-rate. On Trustmark's July 2026 call its CEO said the board had received a comprehensive AI presentation from the CIO and that AI plans had been developed. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-renasant-beats-q2-2026-eps-forecast-revenue-misses-93CH-4820923), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/trustmark-q2-earnings-call-highlights-180405319.html))
- **No AI tool or vendor named while three peers name theirs.** Renasant's AI disclosures are about governance and risk. ServisFirst chose Covecta to embed AI agents in operations (September 2026). Seacoast uses Quavo's agentic dispute platform and Abrigo's AI Loan Review Assistant, which cut clean line sheets from 8 to 10 hours to 4 to 6. United Community credits vendors' AI with part of a 50% fall in fraud losses over two years. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm))
- **No customer digital figures to set beside Hancock Whitney's.** Renasant reports no digital-user count, app rating or customer AI tool; its 2025 annual report names investment in digital platforms, data analytics and process automation without figures. Hancock Whitney reports 80% of new checking accounts digitally active and mobile openings up 20% (Q4 2025). ([SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript))

## Where does Renasant 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [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)) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | [42.1](https://www.bankingnewsai.com/banks/ai-index) | #67 of 120 | [4](https://www.bankingnewsai.com/banks/seacoast#sources) | [18](https://www.bankingnewsai.com/banks/seacoast#sources) | [10 of 11](https://www.bankingnewsai.com/banks/seacoast#where) | [14](https://www.bankingnewsai.com/banks/seacoast#timeline) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | [39.7](https://www.bankingnewsai.com/banks/ai-index) | #72 of 120 | [7](https://www.bankingnewsai.com/banks/servisfirst#sources) | [13](https://www.bankingnewsai.com/banks/servisfirst#sources) | [4 of 6](https://www.bankingnewsai.com/banks/servisfirst#where) | [17](https://www.bankingnewsai.com/banks/servisfirst#timeline) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.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 |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | [18.7](https://www.bankingnewsai.com/banks/ai-index) | #98 of 120 | [3](https://www.bankingnewsai.com/banks/trustmark#sources) | [14](https://www.bankingnewsai.com/banks/trustmark#sources) | [6 of 10](https://www.bankingnewsai.com/banks/trustmark#where) | [17](https://www.bankingnewsai.com/banks/trustmark#timeline) | Not disclosed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#timeline) | Not disclosed |
| [Renasant Corporation (this page)](https://www.bankingnewsai.com/banks/renasant) | [2.4](https://www.bankingnewsai.com/banks/ai-index) | #111 of 120 | [2](https://www.bankingnewsai.com/banks/renasant#sources) | [24](https://www.bankingnewsai.com/banks/renasant#sources) | [12 of 12](https://www.bankingnewsai.com/banks/renasant#where) | [12](https://www.bankingnewsai.com/banks/renasant#timeline) | Not disclosed |

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

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

| Component (weight) | Renasant | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 2 | 4 | [Pinnacle (12)](https://www.bankingnewsai.com/banks/pinnacle) | 9th of 10 |
| Use cases in production (10%) | 12 | 8 | [Renasant (12)](https://www.bankingnewsai.com/banks/renasant) | 1st of 10 |
| Own primary disclosures (10%) | 24 | 18 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 2nd of 10 |
| Dated moves, last 12 months (10%) | 12 | 17 | [United Community (21)](https://www.bankingnewsai.com/banks/united-community) | 10th of 10 |
| Disclosed numbers (5%) | 12 | 12 | [Centennial Bank (16)](https://www.bankingnewsai.com/banks/home-bancshares) | 5th of 10 |
| Named AI leaders (5%) | 2 | 8 | [Pinnacle (12)](https://www.bankingnewsai.com/banks/pinnacle) | 10th of 10 |
| Use cases described (5%) | 12 | 11 | [United Community (13)](https://www.bankingnewsai.com/banks/united-community) | 2nd of 10 |

## What has each bank in Renasant'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 |
| --- | --- | --- | --- | --- | --- |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Not disclosed | [2, incl. Kevin D. Chapman (President and CEO)](https://www.bankingnewsai.com/banks/renasant#people) ([Renasant Corporation](https://investors.renasant.com/node/25476/pdf), [Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html)) | Full-time equivalent employees, Renasant plus The First: mid-2024 vs 31 March 2026: ≈ 3,400 vs ≈ 2,950 (down 450) (Apr 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript)) | Not disclosed | Not surveyed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | Not disclosed | [5, incl. Duane A. Dewey (President and CEO)](https://www.bankingnewsai.com/banks/trustmark#people) ([Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [American Banker](https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo)) | Mentions of AI or artificial intelligence in the annual report, FY2024 / FY2025: 0 / 5, all in economic or market commentary (Feb 23, 2026) ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) | Not disclosed | Not surveyed |
| [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 |
| [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) |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) | [5, incl. Tom Broughton (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/servisfirst#people) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [American Banker](https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas)) | Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html)) | 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 |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) | [10, incl. Charles M. Shaffer (Chairman and CEO)](https://www.bankingnewsai.com/banks/seacoast#people) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [American Banker](https://americanbanker.com/news/seacoast-to-buy-the-bank-of-the-villages-in-florida)) | Full-time-equivalent employees: 1,962 (Dec 31, 2025) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) | 1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240020590A1/en)) | Not surveyed |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#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 |

## What are the latest dated moves on the AI record of Renasant 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 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 8, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| 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 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| 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 17, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Vendor StrategyCorps buys AI-native Quantuma ([StrategyCorps (PR Newswire)](https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html)) |
| Sep 15, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Trade press frames Covecta as a third US bank client ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents)) |
| 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 10, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Selects Covecta to deploy agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| 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 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 5, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 2026 10-Q: AI references remain macro commentary ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm)) |
| Aug 5, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Q2 2026 10-Q repeats the two AI references ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-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)) |
| Aug 4, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Q2 2026 10-Q widens its AI risk language ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026031220/sbcf-20260331.htm)) |
| Jul 29, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 call: FIS-supported platforms replace self-supported core ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |
| 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)) |

## What AI has each bank in Renasant's peer group put on the record?

The AI tool, program or plan each bank has disclosed, with any figure and its date. Vendor-reported figures are marked. A blank means nothing is disclosed, not that nothing exists.

| Bank | AI tool, program or plan | Figure disclosed | Date |
| --- | --- | --- | --- |
| Renasant | AI 'incorporated into certain business processes, services, and products' with vendors; board technology committee oversees AI implementation | None | March 2026 ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm)) |
| Pinnacle | ChatPFP banker assistant; 13 AI initiatives under a head of AI | 18,000 banker questions answered; almost 20 AI engineers | 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)) |
| Seacoast | Quavo agentic-AI dispute management; Abrigo AI Loan Review Assistant | Clean line sheets cut from 8 to 10 hours to 4 to 6 (Abrigo-reported) | December 2025; October 2026 ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| ServisFirst | Covecta agentic AI in operational workflows | Not disclosed | September 2026 ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| United Community | Vendor AI in fraud; contact-center chatbots; Microsoft Copilot for bankers | Fraud losses down 50% over two years | April and September 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| Hancock Whitney | AI tools in the cybersecurity program; AI Working Group approving use cases | Not disclosed | February 2026 ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| Ameris | Generative AI and machine-learning tools in limited internal use; AI in software-contract review | 10-K says efficiency increased; no figure | February and April 2026 ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) |
| Trustmark | AI initiatives planned after the core conversion; CIO presented AI efforts to the board | Too early to quantify, per the CEO | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/trustmark-q2-earnings-call-highlights-180405319.html)) |
| Simmons | In-house mobile-deposit customer scoring built with Jack Henry (not described as machine learning) | Fraud losses down 96% | September 2025 ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring)) |

## How does Renasant govern AI compared with its peers?

Board and management structures for AI each bank has disclosed, with where it is written down.

| Bank | Structure | What it covers | Where disclosed |
| --- | --- | --- | --- |
| Renasant | Board technology committee and enterprise risk committee | Implementation of AI in client-facing and back-office operations; risks of AI use; new products that may involve AI are assessed for security | 2026 proxy; 2025 10-K ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm)) |
| Hancock Whitney | AI Working Group (Legal, Compliance, Risk, IT); Board Risk Committee | Approves AI use cases; AI risk under board oversight | 2025 10-K; 2026 proxy ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm)) |
| Pinnacle | Head of AI, Kevin Johnson | Leads the bank's AI program | 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) |
| Seacoast | Board Information Technology Committee | Charter lists AI among technology risks it assesses | 2026 proxy ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm)) |
| Trustmark | CIO reporting to the board on AI | Comprehensive AI presentation to the board (July 2026); no AI risk factor in the 10-K | July 2026 call; 2025 10-K ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) |
| Simmons | Risk and Compliance Committee over IT, cyber and vendors | No AI-specific committee; the proxy does not mention AI | 2026 proxy ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) |

## How do Renasant's systems and platforms compare with its peers'?

Renasant's platform work has been merger integration. It completed The First merger on April 1, 2025, adding 116 locations in Louisiana, Mississippi, Alabama, Georgia and Florida, and converted the systems in early August 2025; its annual report says the conversion progressed smoothly. In February 2025 it moved its ATM and interactive teller fleet onto NCR Atleos' Activate Enterprise software, expecting more than 75 interactive teller machines that year. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Renasant Corporation](https://investors.renasant.com/news-releases/news-release-details/renasant-corporation-completes-merger-first-bancshares-inc/), [SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf), [NCR Atleos (Business Wire)](https://www.businesswire.com/news/home/20250224728636/en/Renasant-Bank-Deepens-NCR-Atleos-Collaboration-to-Strengthen-Self-Service-Banking-and-Support-Growth))

Several peers converted later or are converting now. Trustmark replaced a 45-year-old self-supported core with FIS-supported platforms over the April 17 to 19, 2026 weekend. Home BancShares converted its legacy platforms in June 2026 and converts Mountain Commerce in November. Pinnacle plans a new banking app at the Synovus systems conversion in March 2027. These conversions, not AI, are where most of the group's 2026 technology spending went. ([Trustmark](https://www.trustmark.com/landing/core-faqs), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/home-bancshares-q2-earnings-call-200326244.html), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners))

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

Renasant Corporation is compared here with Trustmark Corporation, Hancock Whitney, Ameris Bancorp, ServisFirst Bancshares, United Community Banks, Seacoast Banking Corporation of Florida, Simmons First National Corporation, Home BancShares (Centennial Bank) and Pinnacle Financial Partners: chosen by the editors for this page (see the note below the table). Renasant Corporation is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in banks from West Virginia, Virginia and Miami; this group holds the Deep South and Southeast regionals that operate in Renasant's Mississippi, Alabama, Georgia, Tennessee and Florida markets, and every one of them sits in Renasant's own 2025 compensation peer group.

## Common questions

### Does Renasant use AI?

Its 2025 10-K says the bank and its vendors have begun to incorporate AI into certain business processes, services and products, and its 2026 proxy gives the board technology committee oversight of AI implementation in client-facing and back-office operations. Renasant has not named an AI tool, vendor or result, and AI has not come up on its earnings calls. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-renasant-beats-q2-2026-eps-forecast-revenue-misses-93CH-4820923))

### Is Renasant better than Trustmark at AI?

The record cannot settle capability. Trustmark scores 18.7 on this site's disclosure index and Renasant 2.4. Renasant's filings say more about AI: a stand-alone risk factor and a board AI remit, where Trustmark's 10-K has no AI risk factor. But Trustmark's CEO discussed AI plans and a CIO board presentation on the July 2026 call, while Renasant's calls have not mentioned AI. ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-renasant-beats-q2-2026-eps-forecast-revenue-misses-93CH-4820923))

### Does Renasant have an AI virtual assistant like Erica?

Not one it has disclosed. Its self-service investment is in ATMs and interactive teller machines on NCR Atleos software. Bank of America says Erica helps more than 24.6 million clients, and Regions, Renasant's rival in Mississippi and Alabama, reports 2.7 million active mobile users on an in-house app with personalized insights. ([NCR Atleos (Business Wire)](https://www.businesswire.com/news/home/20250224728636/en/Renasant-Bank-Deepens-NCR-Atleos-Collaboration-to-Strengthen-Self-Service-Banking-and-Support-Growth), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [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))

### How does Renasant compare with Hancock Whitney on AI?

Hancock Whitney scores 37.4 on the disclosure index and Renasant 2.4. Hancock Whitney's 2025 10-K describes an AI Working Group that approves use cases and AI tools in its security program, and its new MX-built app was rated sixth best among banks and credit unions per an MX session description. Renasant has a board AI remit but no named tool. ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm))

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

Renasant does not break out technology spending; its 2025 annual report names investment in digital platforms, data analytics, cybersecurity and process automation, and noninterest expense fell to $161.5 million in the second quarter of 2026 from $183.2 million a year earlier. Trustmark's CFO called technology investment a 2026 operating-leverage headwind. ([SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000067/exhibit991_rnstx2q2026earn.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/29/trustmark-trmk-q1-2026-earnings-transcript))

### Who leads AI at Renasant?

No one is named. CEO Kevin Chapman and chief experience officer Michelle Rivers are the leaders on the profile, and the board technology committee oversees AI implementation; its proxy cites director Gary Butler's background in AI and algorithms. Pinnacle, by contrast, names a head of AI. ([Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html), [NCR Atleos (Business Wire)](https://www.businesswire.com/news/home/20250224728636/en/Renasant-Bank-Deepens-NCR-Atleos-Collaboration-to-Strengthen-Self-Service-Banking-and-Support-Growth), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson))

### How does Renasant compare with ServisFirst on AI?

ServisFirst scores 39.7 on the disclosure index and Renasant 2.4. ServisFirst, a Birmingham commercial bank, chose Covecta in September 2026 to embed AI agents into operational workflows, its first disclosed AI initiative. Renasant, also present in Alabama, has disclosed governance for AI but no initiative of that kind. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22AL%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm))

### How does Renasant compare with Ameris on AI?

Ameris scores 20.7 on this site's disclosure index and Renasant 2.4. Both 10-Ks say AI is already in limited use; Ameris adds that its tools have increased efficiency, and its CEO called AI 'more of an evolution than a revolution' on the April 2026 call. Renasant has the more explicit board remit: its technology committee oversees AI implementation. ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm))

### How does Renasant compare with Pinnacle on AI?

Pinnacle, which absorbed Synovus on January 1, 2026, scores 65.3 on the disclosure index, the highest in Renasant's group, against Renasant's 2.4. Pinnacle names a head of AI, almost 20 AI engineers and 13 AI initiatives, and its ChatPFP assistant had answered 18,000 banker questions by April 2026. Renasant names no AI leader or tool. ([Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [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))

## Peers on this site

- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) · [vs peers](https://www.bankingnewsai.com/banks/trustmark/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [ServisFirst Bancshares AI strategy](https://www.bankingnewsai.com/banks/servisfirst) · [vs peers](https://www.bankingnewsai.com/banks/servisfirst/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)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)
- [Simmons First National Corporation AI strategy](https://www.bankingnewsai.com/banks/simmons) · [vs peers](https://www.bankingnewsai.com/banks/simmons/vs-peers)
- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)

## Sources

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33. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
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