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Independent Bank Corp. (Rockland Trust) vs peers
AI and technology compared

Last updated Oct 20, 2026 · 9 peers · 89 sources cited

How does Independent Bank Corp. (Rockland Trust) compare with its peers on AI and technology?

On this site's AI disclosure index Independent Bank Corp. (Rockland Trust) scores 32.1 (#86 of 120 US banks), eighth in a ten-bank group drawn from its own 2026 proxy peer group, ahead of Beacon (28.5) and United Bankshares (2) but behind Boston rival Eastern (36.3), OceanFirst (40.5) and the leaders, Customers (75.5) and FNB (60.2). Its approach is governance first: it set up an Office of Digital Innovation and an AI governance framework with a steering committee in Q1 2026, staffed an AI innovation team with three dedicated people, and aimed it at fraud review, BSA/AML and day-to-day processing. On October 16, 2026 CEO Jeff Tengel said the bank had 'started to beta test some early AI applications', internally oriented, and pushed its FIS core upgrade from October 2026 to February 2027. Peers are further along on the record. Customers reports more than 600 agents and 46,000-plus hours saved (July 2026) under an OpenAI collaboration; Fulton had 3,000 employees on Salesforce Agentforce six weeks after its first agent (September 2026); FNB lists 10 AI-enabled fraud tools (November 2025); OceanFirst's AML investigators use Copilot to cut complex due-diligence cases from six hours to about five minutes (December 2025). Rockland places 10th of 10 on use cases in production. It leads on profitability: record Q3 2026 EPS of $1.90 and a 1.42% return on assets.[1][2][3][4][5][6][7][8][9]

Data as of Oct 20, 2026 · Rockland Trust profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Rockland Trust lead its peers on AI?

01

One gate for every AI use case, where Beacon has none

Rockland's AI governance framework includes a steering committee that acts as 'a clearinghouse' for AI use cases within a moderate risk profile (April 2026), and Tengel said business units will not run their own 'AI skunk work'. Beacon names no AI leader, programme or budget, and its filings mention AI only as a risk; United Bankshares scores 2 on this site's index.[2][3][10][11]

02

Named AI targets, where Eastern calls its AI immaterial

Rockland has named its first AI targets: back-office fraud review, BSA/AML and day-to-day processing (January 2026), with internal beta tests under way by October 2026. Eastern's 2025 10-K says 'the use of AI is not currently material to our operations', though its proxy says it embedded AI into key systems in 2025.[3][4][12][13]

03

Profitability that already meets its targets

Rockland reported record Q3 2026 net income of $89.7 million, EPS of $1.90, a 1.42% return on assets and a 15.4% return on tangible common equity, meeting the 1.4% and 15% targets set for the fourth quarter. Eastern reported a 15.3% operating return on tangible common equity in Q2 2026.[4][2][14]

04

AI spend held inside a flat expense line

CFO Mark Ruggiero said on October 16, 2026 that the bank can 'hold the line on expenses' while funding 'technology enhancements' and 'AI development' through discipline in other discretionary spend. Fulton guides 2026 operating non-interest expense to $810 million to $830 million and FNB to the top of $1.00-1.02 billion, the latter partly on accelerated AI investment.[4][15][16]

Where it trails

Where does Rockland Trust trail its peers on AI?

01

The fewest AI use cases in production in the group

Rockland places 10th of 10 on use cases in production (3, against a median of 9). Customers reports more than 600 agents deployed, AI KYC screening that lifted team productivity 50% and a seven-day commercial loan close in pilot (July 2026); FNB reports 10 AI-enabled fraud tools and machine-learning deposit pricing.[5][17][18][8][19]

02

No AI vendor named while peers name theirs

Rockland names no AI vendor; its disclosed platforms are FIS (core) and nCino (commercial loan origination redesign). Customers works with OpenAI engineers on site, Fulton runs NICE CXone Copilot and Salesforce Agentforce, Eastern uses nCino with Alloy and Zennify, and OceanFirst runs Microsoft Copilot, Databricks and kore.ai.[20][6][21][7][22][23]

03

A core upgrade pushed back while peers finished theirs

Rockland moved its FIS core upgrade from October 2026 to February 2027, with $5.5 million of costs so far in 2026. Beacon converted its core in February 2026 and moved 55,000 digital users to Narmi One in March; Atlantic Union validated more than 80 million data values in its Sandy Spring conversion instead of sampling 10%.[4][24][25][26]

04

Fewer named AI leaders and independent sources

Rockland places 8th of 10 on named AI leaders and 9th on independent sources. FNB named a director of AI and innovation and a director of data science in September 2025; Customers' chief strategy and innovation officer leads AI and automation. Rockland's AI work runs through its Office of Digital Innovation, with no named head.[27][28][29]

AI index

Where does Rockland Trust rank against its peers on AI disclosure?

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

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Customers Bancorp75.5#29 of 120132011 of 1623OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[6][30][31][18]
F.N.B. Corporation60.2#47 of 1206259 of 1521eStore, the Common app and FNB's data hub[32][27][33]
Atlantic Union Bankshares53.7#52 of 12010145 of 1219Automated conversion and validation tooling (Sandy Spring integration)[26][34][35]
Fulton Financial Corporation44.3#66 of 12062310 of 1217Not disclosed
Community Financial System (Community Bank, N.A.)41.9#68 of 1204249 of 1212AI team inside a four-business diversified model[36][37][38]
OceanFirst Financial Corp.40.5#70 of 1204169 of 1615Automation Transformation Office, Copilot and the Databricks data layer[23][39][9]
Eastern Bankshares36.3#81 of 1205209 of 1317Not disclosed
Independent Bank Corp. (Rockland Trust) (this page)32.1#86 of 1203203 of 1020Office of Digital Innovation and AI governance framework[1][29][40][41][20]
Beacon Financial Corporation28.5#90 of 1206138 of 1013Not disclosed
United Bankshares2#116 of 1203255 of 813Not disclosed
Component by component

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

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

Component (weight)Rockland TrustPeer medianMost in the groupPlace
Independent sources (45%)36Customers Bank (13)9th of 10
Use cases in production (10%)39Customers Bank (11)10th of 10
Own primary disclosures (10%)2020FNB (25)5th of 10
Dated moves, last 12 months (10%)2017Customers Bank (23)3rd of 10
Disclosed numbers (5%)1113Customers Bank (23)7th of 10
Named AI leaders (5%)57FNB (9)8th of 10
Use cases described (5%)1012OceanFirst (16)8th of 10
Head to head

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

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

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Independent Bank Corp. (Rockland Trust)Office of Digital Innovation and AI governance framework[1][29][40][41][20]5, incl. Jeffrey Tengel (Chief Executive Officer)[40][1]Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026)[3]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Eastern BanksharesNot disclosed7, incl. Denis Sheahan (Chief Executive Officer)[42][14][43]Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (Apr 1, 2026)[44]Not disclosedNot surveyed
Beacon Financial CorporationNot disclosed5, incl. Sean A. Gray (Chief Executive Officer)[45][46][25]Digital-banking users / transactions converted to Narmi One: > 55,000 users from three brands / 40 million transactions in a single day (Mar 2, 2026)[25]Not disclosedNot surveyed
OceanFirst Financial Corp.Automation Transformation Office, Copilot and the Databricks data layer[23][39][9]8, incl. Christopher D. Maher (Chief Executive Officer)[47][48]Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025)[9]Not disclosedNot surveyed
Fulton Financial CorporationNot disclosed8, incl. Curt Myers (Chairman, CEO and President)[49][50]Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024)[51]1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods)[52]Not surveyed
Community Financial System (Community Bank, N.A.)AI team inside a four-business diversified model[36][37][38]5, incl. Dimitar A. Karaivanov (President and CEO)[36][53]Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026)[36]Not disclosedNot surveyed
Customers BancorpOpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[6][30][31][18]7, incl. Sam Sidhu (President and CEO, Customers Bancorp)[30][18][54][55]Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026)[30]Not disclosed1 open AI roles (Sep 24, 2026); most in AI engineering
Atlantic Union BanksharesAutomated conversion and validation tooling (Sandy Spring integration)[26][34][35]8, incl. John Asbury (President and CEO)[56][57][58]Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026)[26]Not disclosed0 open AI roles (Sep 24, 2026)
F.N.B. CorporationeStore, the Common app and FNB's data hub[32][27][33]9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)[32][27]AI-enabled fraud tools: 10 (Nov 5, 2025)[8]Not disclosed5 open AI roles (Oct 1, 2026); most in AI product & strategy
United BanksharesNot disclosed6, incl. Richard M. Adams Jr. (Chief Executive Officer)[59][60]AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026)[61][62]Not disclosedNot surveyed
Last 12 months

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

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

DateBankMove
Oct 16, 2026Rockland TrustQ3 2026 call: core upgrade moved to February 2027; early AI applications in beta[63]
Oct 15, 2026Rockland TrustThird-quarter 2026 results: record earnings[64]
Oct 8, 2026United BankFlorida expansion announced[65]
Oct 5, 2026Eastern BankThird-quarter 2026 results date set[66]
Sep 30, 2026FultonContact-centre manager describes Fulton's AI journey with NICE[67]
Sep 24, 2026FultonSalesforce cites Fulton's Agentforce rollout at Dreamforce[7]
Sep 23, 2026United BankCharleston operations centre opens[68]
Sep 21, 2026OceanFirstFlushing digital banking customers scheduled to move to OceanFirst platforms[69][70]
Sep 21, 2026Beacon BankSean Gray succeeds Paul Perrault as CEO[45][46][71]
Sep 16, 2026Eastern BankState supervisors publish an AI framework for examiners[72][12]
Aug 17, 2026FNB16th for customer reputation[73]
Aug 13, 2026Beacon BankInvestor presentation lists the conversion as a milestone, not AI[74]
Aug 7, 2026Customers BankQ2 2026 10-Q: no AI language[75][76]
Aug 7, 2026Community Bank N.A.Q2 2026 10-Q: AI applications again cited for data-processing growth[77][37]
Aug 7, 2026OceanFirstQ2 2026 10-Q lists AI adoption among operational risks[78][79]
Aug 6, 2026Atlantic UnionSecond-quarter 10-Q repeats the AI risk language[80]
Aug 5, 2026FNBQ2 2026 10-Q: same AI language as the first quarter[81]
Jul 28, 2026Community Bank N.A.Q2 2026 call: headcount flat, AI impact to be known in about six months[36][37]
Jul 24, 2026Customers BankQ2 2026 call: underwriting, KYC and close-cycle results[17]
Jul 21, 2026Atlantic UnionSecond-quarter call: efficiency ratio 47.47%, ten North Carolina branches[82]
Where each bank in the group is with AI

How far along are Rockland Trust and its proxy peers with AI?

The most concrete AI deployment each bank has disclosed, with scale and date. A blank means nothing is on the record.

BankFurthest AI step on the recordScale disclosedDate
Rockland TrustInternal beta tests of early AI applications; Office of Digital Innovation and governance frameworkThree dedicated AI staff (2026 plan)January to October 2026[4][1][3]
CustomersOpenAI collaboration; multi-agent credit underwriting; ElevenLabs voice agents600+ agents; 46,000+ hours saved; 100% of staff licensedApril to July 2026[6][5]
FNBAI-enabled fraud tools; Opportunity IQ leads; machine-learning deposit pricing10 fraud tools; ≈ 190,000 leads a quarterNovember 2025 to July 2026[8][19]
FultonSalesforce Agentforce agents; NICE CXone generative-AI agent assist3,000 employees on Agentforce six weeks after the first agentSeptember 2026[7][21]
OceanFirstCopilot across departments; Copilot in AML due diligence; HAILEY conversational AIComplex EDD cases from 6+ hours to about 5 minutesDecember 2025 to July 2026[9][39]
Community Bank N.A.AI applications in customer-facing and back-office technologyMore than a dozen staff on AIJuly 2026[36][37]
Atlantic UnionAI screening of every call-centre recording (planned); Socure ML identity verificationFrom ≈ 10% of calls reviewed to 100%June 2026[26][83]
EasternAI embedded into key systems and broad employee usage (proxy); nCino with Alloy for lendingAI 'not currently material' (10-K)March 2026[13][12][22]
BeaconBaker Hill ASK BKR document classification in small-business and SBA lendingNot disclosedJune 2026[84]
Core systems and integrations

How does Rockland Trust's technology calendar compare with its Massachusetts rivals'?

Rockland's main technology project is a core upgrade within the FIS ecosystem, from Horizon to IBS. It was scheduled for October 2026 and, on October 16, moved to February 2027 'to allow for additional preparation'; one-time costs reached $5.5 million in the first nine months, with $1.5 million to $2 million more expected. Tengel said the bank started beta testing early, internally oriented AI applications so it can 'develop muscle memory' before customer-facing uses. Its September 2026 deck also lists a Salesforce investment for referrals and an nCino-based commercial loan origination redesign.[1][4][20]

Its two Boston rivals finished their integrations earlier. Eastern completed HarborOne on November 1, 2025, converted its core systems in February 2026 and reached a 49% operating efficiency ratio in Q2 2026. Beacon, formed from Berkshire Hills and Brookline in September 2025, converted its core in February 2026 and its digital banking to Narmi One in March, moving more than 55,000 users from three brands. Rockland scheduled Enterprise Bancorp's core and account conversion for the weekend of October 11, 2025.[85][43][14][24][25][86]

The peer group

Which banks are Rockland Trust's peers, and why these?

Independent Bank Corp. (Rockland Trust) is compared here with Eastern Bankshares, Beacon Financial Corporation, OceanFirst Financial Corp., Fulton Financial Corporation, Community Financial System (Community Bank, N.A.), Customers Bancorp, Atlantic Union Bankshares, F.N.B. Corporation and United Bankshares: chosen by the editors for this page (see the note below the table). Independent Bank Corp. (Rockland Trust) is classed as a regional or retail-commercial bank in the Northeast.

The computed group included an Arkansas bank and two New York banks outside Rockland Trust's market; these nine are all in the 2026 compensation peer group of Independent Bank Corp.'s own proxy statement, chosen from Northeast and Mid-Atlantic banks of half to twice its size, with Boston's Eastern and Beacon as its direct Massachusetts rivals.

Common questions

Does Rockland Trust use AI?

It has started. Independent Bank Corp. set up an Office of Digital Innovation and an AI governance framework in Q1 2026, planned three dedicated AI staff for 2026, and named fraud review, BSA/AML and day-to-day processing as the first targets. On October 16, 2026 its CEO said early AI applications were in internal beta tests, with no customer impact yet.[1][3][4]

Is Rockland Trust better than Eastern Bank at AI?

The record cannot settle capability, and the two are a few points apart on this site's index: Eastern 36.3, Rockland 32.1. Eastern's proxy says it embedded AI into key systems and enabled broad employee usage in 2025, while its 10-K calls AI use immaterial; Rockland has a named governance office, AI targets and internal beta tests.[13][12][1][4]

How does Rockland Trust compare with Customers Bank on AI?

Customers leads the group at 75.5 on this site's index against Rockland's 32.1. It has a multiyear OpenAI collaboration, more than 600 agents and 46,000-plus hours saved, and targets a low-40s efficiency ratio in 2027. Rockland's first internally oriented AI applications were in beta in October 2026.[6][5][87][4]

Who leads AI at Rockland Trust?

No single AI head is named. AI runs through the Office of Digital Innovation and a steering committee; the AI innovation team is 'heavily populated by our IT and ops folks'. Lee Powlus, Chief Administrative Officer, is responsible for technology, operations and data security; Chief Risk Officer Tamina O'Neill oversees the CISO.[1][2][3][88]

When will Rockland Trust's core upgrade happen?

In February 2027. The move from FIS Horizon to FIS IBS was set for October 2026 and was postponed on October 16, 2026; Tengel said 'you only get one chance to do this well and minimize customer impact'. Costs were $5.5 million through September, with $1.5 million to $2 million more expected.[4][1]

How does Rockland Trust's AI spending compare with its peers'?

None of the group discloses an AI budget. Rockland funds AI inside a flat expense line, offsetting it with discipline elsewhere. FNB guided 2026 non-interest expense to the top of its range partly for accelerated AI; Community Bank N.A. tied a 17.9% rise in data-processing expense partly to AI applications.[4][89][16][37]

How does Rockland Trust compare with OceanFirst on AI?

OceanFirst, also in Rockland's proxy peer group, has put more on the record (40.5 against 32.1): Copilot across departments, Copilot in AML due diligence, a Databricks data layer, a kore.ai conversational platform and an Automation Transformation Office. Rockland's comparable step is its Office of Digital Innovation, with its first AI uses in beta.[9][23][39][4]

Peers on this site
Eastern Bank AI strategy →How Eastern Bankshares compares with its peers →Beacon Bank AI strategy →How Beacon Financial Corporation compares with its peers →OceanFirst AI strategy →How OceanFirst Financial Corp. compares with its peers →Fulton AI strategy →How Fulton Financial Corporation compares with its peers →Community Bank N.A. AI strategy →How Community Financial System (Community Bank, N.A.) compares with its peers →Customers Bank AI strategy →How Customers Bancorp compares with its peers →Atlantic Union AI strategy →How Atlantic Union Bankshares compares with its peers →FNB AI strategy →How F.N.B. Corporation compares with its peers →United Bank AI strategy →How United Bankshares compares with its peers →
Deeper on Rockland Trust
Rockland Trust AI strategy: the full profile →Independent Bank Corp. (Rockland Trust) competitors and alternatives →Rockland Trust AI profile →Rockland Trust competitors and alternatives →Eastern Bank AI profile →Bank AI index →AI chatbots in banking →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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  79. OceanFirst Financial Corp. Form 10-Q for the quarterly period ended March 31, 2026
    OceanFirst Financial Corp. (SEC filings) · May 1, 2026
  80. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026
    SEC (EDGAR) · Aug 6, 2026
  81. F.N.B. Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
    F.N.B. Corporation (SEC filings) · Aug 5, 2026
  82. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates
    Investing.com · Jul 21, 2026
  83. Atlantic Union Bankshares Investor Day presentation, December 10, 2025 (Form 8-K, Exhibit 99.1)
    Atlantic Union Bankshares (SEC filings) · Dec 10, 2025
  84. Beacon Bank and Baker Hill Expand Long-Standing Partnership to Enhance Digital Small Business and SBA Lending Experiences
    Baker Hill (PR Newswire) · Jun 16, 2026
  85. CORRECTING and REPLACING Eastern Bankshares, Inc. Announces Completion of HarborOne Acquisition And Proration of Merger Consideration
    Eastern Bankshares · Nov 3, 2025
  86. Independent Bank Corp. Announces Completion of Enterprise Bancorp, Inc. Acquisition and Appointment of Kenneth S. Ansin and Joseph C. Lerner as Directors
    Rockland Trust · Jul 1, 2025
  87. Customers Bancorp Q2 Earnings Call Highlights
    MarketBeat via Yahoo Finance · Jul 24, 2026
  88. Independent Bank Corp. 2026 Proxy Statement (Schedule 14A)
    Independent Bank Corp. (SEC filings) · Mar 26, 2026
  89. Earnings call transcript: Independent Bank misses Q2 2026 estimates as shares fall
    Investing.com · Jul 17, 2026

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