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

Source: https://www.bankingnewsai.com/banks/rockland-trust/vs-peers
Last updated: Oct 20, 2026

*Part of the [Independent Bank Corp. (Rockland Trust) AI strategy profile](https://www.bankingnewsai.com/banks/rockland-trust). Peer group: 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, United Bankshares.*

## 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. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/independent-bank-indb-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds))

## Where does Rockland Trust lead its peers on AI?

- **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. ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/independent-bank-indb-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026013247/brkl-20251231.htm), [Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000162828026022949/bbt-20260402.htm))
- **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. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm))
- **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. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/independent-bank-indb-earnings-call-transcript), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results))
- **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. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-fulton-beats-q2-2026-estimates-as-stock-slips-93CH-4809451), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-corporation-q1-123000791.html))

## Where does Rockland Trust trail its peers on AI?

- **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. ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fnb-tops-eps-view-in-q2-2026-shares-slip-93CH-4798633))
- **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. ([Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm), [Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [nCino (GlobeNewswire)](https://globenewswire.com/news-release/2025/11/06/3182452/0/en/nCino-Expands-Offering-with-Eastern-Bank-to-Deliver-Connected-Lending-Experience-Across-Product-Lines.html), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm))
- **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%. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [Beacon Financial (PR Newswire)](https://prnewswire.com/news-releases/beacon-financial-corporation-announces-debut-of-beacon-bank-302694053.html), [Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking))
- **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. ([F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [American Banker](https://digital-banking.americanbanker.com/profile/carlos-coto), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #29 of 120 | [13](https://www.bankingnewsai.com/banks/customers#sources) | [20](https://www.bankingnewsai.com/banks/customers#sources) | [11 of 16](https://www.bankingnewsai.com/banks/customers#where) | [23](https://www.bankingnewsai.com/banks/customers#timeline) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | [41.9](https://www.bankingnewsai.com/banks/ai-index) | #68 of 120 | [4](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [24](https://www.bankingnewsai.com/banks/community-bank-na#sources) | [9 of 12](https://www.bankingnewsai.com/banks/community-bank-na#where) | [12](https://www.bankingnewsai.com/banks/community-bank-na#timeline) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | [40.5](https://www.bankingnewsai.com/banks/ai-index) | #70 of 120 | [4](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [16](https://www.bankingnewsai.com/banks/oceanfirst#sources) | [9 of 16](https://www.bankingnewsai.com/banks/oceanfirst#where) | [15](https://www.bankingnewsai.com/banks/oceanfirst#timeline) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | [36.3](https://www.bankingnewsai.com/banks/ai-index) | #81 of 120 | [5](https://www.bankingnewsai.com/banks/eastern#sources) | [20](https://www.bankingnewsai.com/banks/eastern#sources) | [9 of 13](https://www.bankingnewsai.com/banks/eastern#where) | [17](https://www.bankingnewsai.com/banks/eastern#timeline) | Not disclosed |
| [Independent Bank Corp. (Rockland Trust) (this page)](https://www.bankingnewsai.com/banks/rockland-trust) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #86 of 120 | [3](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [20](https://www.bankingnewsai.com/banks/rockland-trust#sources) | [3 of 10](https://www.bankingnewsai.com/banks/rockland-trust#where) | [20](https://www.bankingnewsai.com/banks/rockland-trust#timeline) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | [28.5](https://www.bankingnewsai.com/banks/ai-index) | #90 of 120 | [6](https://www.bankingnewsai.com/banks/beacon#sources) | [13](https://www.bankingnewsai.com/banks/beacon#sources) | [8 of 10](https://www.bankingnewsai.com/banks/beacon#where) | [13](https://www.bankingnewsai.com/banks/beacon#timeline) | Not disclosed |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | [2](https://www.bankingnewsai.com/banks/ai-index) | #116 of 120 | [3](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [25](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [5 of 8](https://www.bankingnewsai.com/banks/united-bankshares#where) | [13](https://www.bankingnewsai.com/banks/united-bankshares#timeline) | Not disclosed |

## 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 Trust | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 6 | [Customers Bank (13)](https://www.bankingnewsai.com/banks/customers) | 9th of 10 |
| Use cases in production (10%) | 3 | 9 | [Customers Bank (11)](https://www.bankingnewsai.com/banks/customers) | 10th of 10 |
| Own primary disclosures (10%) | 20 | 20 | [FNB (25)](https://www.bankingnewsai.com/banks/fnb) | 5th of 10 |
| Dated moves, last 12 months (10%) | 20 | 17 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 3rd of 10 |
| Disclosed numbers (5%) | 11 | 13 | [Customers Bank (23)](https://www.bankingnewsai.com/banks/customers) | 7th of 10 |
| Named AI leaders (5%) | 5 | 7 | [FNB (9)](https://www.bankingnewsai.com/banks/fnb) | 8th of 10 |
| Use cases described (5%) | 10 | 12 | [OceanFirst (16)](https://www.bankingnewsai.com/banks/oceanfirst) | 8th of 10 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Independent Bank Corp. (Rockland Trust)](https://www.bankingnewsai.com/banks/rockland-trust) | Office of Digital Innovation and AI governance framework ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-corp-q2-2026-123000602.html), [Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000064/investorpresentationslid.htm), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm)) | [5, incl. Jeffrey Tengel (Chief Executive Officer)](https://www.bankingnewsai.com/banks/rockland-trust#people) ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20260715089937/en/Independent-Bank-Corp.-Reports-Second-Quarter-Net-Income-of-%2481.8-Million), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html)) | Dedicated AI staff in 2026 guidance: Three individuals (Jan 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/rockland-trust#roles) |
| [Eastern Bankshares](https://www.bankingnewsai.com/banks/eastern) | Not disclosed | [7, incl. Denis Sheahan (Chief Executive Officer)](https://www.bankingnewsai.com/banks/eastern#people) ([American Banker](https://americanbanker.com/news/eastern-swears-off-m-a-amid-activist-investors-pressure), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html)) | Barriers to AI investment among 125-plus New England middle-market firms: Cost 58%; integration 48%; unclear ROI 37% (Apr 1, 2026) ([Eastern Bank (Boston Business Journal)](https://bizjournals.com/boston/news/2026/04/01/building-future-insights-middle-market-business.html)) | Not disclosed | Not surveyed |
| [Beacon Financial Corporation](https://www.bankingnewsai.com/banks/beacon) | Not disclosed | [5, incl. Sean A. Gray (Chief Executive Officer)](https://www.bankingnewsai.com/banks/beacon#people) ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Digital-banking users / transactions converted to Narmi One: > 55,000 users from three brands / 40 million transactions in a single day (Mar 2, 2026) ([Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/)) | Not disclosed | Not surveyed |
| [OceanFirst Financial Corp.](https://www.bankingnewsai.com/banks/oceanfirst) | Automation Transformation Office, Copilot and the Databricks data layer ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | [8, incl. Christopher D. Maher (Chief Executive Officer)](https://www.bankingnewsai.com/banks/oceanfirst#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-oceanfirst-q1-2026-beats-eps-forecasts-minor-revenue-miss-93CH-4636324), [OceanFirst Financial Corp. (investor relations)](https://ir.oceanfirst.com/news/news-details/2026/OceanFirst-Financial-Corp--Completes-Merger-with-Flushing-Financial-Corporation-and-225-Million-Strategic-Investment-from-Warburg-Pincus)) | Employees onboarded to Microsoft Copilot: About 150 (Dec 11, 2025) ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds)) | Not disclosed | Not surveyed |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [Community Financial System (Community Bank, N.A.)](https://www.bankingnewsai.com/banks/community-bank-na) | AI team inside a four-business diversified model ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm), [Community Bank, N.A.](https://cbna.com/blog/business/your-business-and-ai)) | [5, incl. Dimitar A. Karaivanov (President and CEO)](https://www.bankingnewsai.com/banks/community-bank-na#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [American Banker](https://www.americanbanker.com/news/new-york-bank-doubles-down-on-insurance-with-big-investment)) | Staff working on AI: > 12, a handful fully dedicated (Jul 28, 2026) ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html)) | Not disclosed | Not surveyed |
| [Customers Bancorp](https://www.bankingnewsai.com/banks/customers) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp](https://customersbank.com/pdf/260122-presentation.pdf), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026)) | [7, incl. Sam Sidhu (President and CEO, Customers Bancorp)](https://www.bankingnewsai.com/banks/customers#people) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal), [Customers Bancorp (Business Wire via Morningstar)](https://morningstar.com/news/business-wire/20260723160284/customers-bancorp-reports-results-for-second-quarter-2026), [The Motley Fool via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/cubi-q1-2026-earnings-transcript-164432008.html), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000053/annualreviewletterwithap.htm)) | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026) ([American Banker](https://americanbanker.com/news/openai-will-embed-staff-at-customers-bank-under-multiyear-deal)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/customers#roles) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#roles) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [6, incl. Richard M. Adams Jr. (Chief Executive Officer)](https://www.bankingnewsai.com/banks/united-bankshares#people) ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-celebrates-187-years-of-service.html)) | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) | Not disclosed | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Q3 2026 call: core upgrade moved to February 2027; early AI applications in beta ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Rockland Trust](https://www.bankingnewsai.com/banks/rockland-trust) | Third-quarter 2026 results: record earnings ([Independent Bank Corp. (Business Wire)](https://www.businesswire.com/news/home/20261014247987/en/Independent-Bank-Corp.-Reports-Third-Quarter-Net-Income-of-%2489.7-Million)) |
| Oct 8, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| Oct 5, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | Third-quarter 2026 results date set ([Eastern Bankshares (Yahoo Finance)](https://finance.yahoo.com/news/eastern-bankshares-inc-announces-third-151500524.html)) |
| Sep 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 23, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Charleston operations centre opens ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html)) |
| Sep 21, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Flushing digital banking customers scheduled to move to OceanFirst platforms ([OceanFirst Bank](https://oceanfirst.com/hubfs/FlushingConversionDigitalBankingDates.pdf), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/oceanfirst-financial-ocfc-q2-2026-earnings-call-transcript/)) |
| Sep 21, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Sean Gray succeeds Paul Perrault as CEO ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000119312526396127/d145233dex991.htm), [American Banker](https://www.americanbanker.com/news/one-year-after-formation-beacon-financial-names-new-ceo), [Banking Dive](https://bankingdive.com/news/beacon-names-coo-sean-gray-ceo-perrault-retires-brookline-berkshire-merger/830979)) |
| Sep 16, 2026 | [Eastern Bank](https://www.bankingnewsai.com/banks/eastern) | State supervisors publish an AI framework for examiners ([Banking Dive](https://www.bankingdive.com/news/csbs-ai-framework-banks-examiners-risk/830683/), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm)) |
| Aug 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 13, 2026 | [Beacon Bank](https://www.bankingnewsai.com/banks/beacon) | Investor presentation lists the conversion as a milestone, not AI ([Beacon Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1108134/000110465926095466/tm2622869d1_ex99-1.htm)) |
| Aug 7, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 10-Q: no AI language ([Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000095/cubi-20260630.htm), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000068/cubi-20260331.htm)) |
| Aug 7, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 10-Q: AI applications again cited for data-processing growth ([Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926092717/cbu-20260630x10q.htm), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Aug 7, 2026 | [OceanFirst](https://www.bankingnewsai.com/banks/oceanfirst) | Q2 2026 10-Q lists AI adoption among operational risks ([OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000120/ocfc-20260630.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000052/ocfc-20260331.htm)) |
| Aug 6, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 5, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm)) |
| Jul 28, 2026 | [Community Bank N.A.](https://www.bankingnewsai.com/banks/community-bank-na) | Q2 2026 call: headcount flat, AI impact to be known in about six months ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Jul 24, 2026 | [Customers Bank](https://www.bankingnewsai.com/banks/customers) | Q2 2026 call: underwriting, KYC and close-cycle results ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-customers-bancorp-posts-strong-q2-2026-growth-93CH-4812021)) |
| Jul 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## How 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.

| Bank | Furthest AI step on the record | Scale disclosed | Date |
| --- | --- | --- | --- |
| Rockland Trust | Internal beta tests of early AI applications; Office of Digital Innovation and governance framework | Three dedicated AI staff (2026 plan) | January to October 2026 ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524)) |
| Customers | OpenAI collaboration; multi-agent credit underwriting; ElevenLabs voice agents | 600+ agents; 46,000+ hours saved; 100% of staff licensed | April to July 2026 ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm)) |
| FNB | AI-enabled fraud tools; Opportunity IQ leads; machine-learning deposit pricing | 10 fraud tools; ≈ 190,000 leads a quarter | November 2025 to July 2026 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-fnb-tops-eps-view-in-q2-2026-shares-slip-93CH-4798633)) |
| Fulton | Salesforce Agentforce agents; NICE CXone generative-AI agent assist | 3,000 employees on Agentforce six weeks after the first agent | September 2026 ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/), [NICE](https://www.nice.com/press-releases/fulton-bank-revolutionizes-financial-services-interactions-with-nice-cxone-mpower-copilot-and-autopilot)) |
| OceanFirst | Copilot across departments; Copilot in AML due diligence; HAILEY conversational AI | Complex EDD cases from 6+ hours to about 5 minutes | December 2025 to July 2026 ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm)) |
| Community Bank N.A. | AI applications in customer-facing and back-office technology | More than a dozen staff on AI | July 2026 ([Yahoo Finance](https://finance.yahoo.com/quote/CBU/earnings/CBU-Q2-2026-earnings_call-657028.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm)) |
| Atlantic Union | AI screening of every call-centre recording (planned); Socure ML identity verification | From ≈ 10% of calls reviewed to 100% | June 2026 ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| Eastern | AI embedded into key systems and broad employee usage (proxy); nCino with Alloy for lending | AI 'not currently material' (10-K) | March 2026 ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm), [nCino (GlobeNewswire)](https://globenewswire.com/news-release/2025/11/06/3182452/0/en/nCino-Expands-Offering-with-Eastern-Bank-to-Deliver-Connected-Lending-Experience-Across-Product-Lines.html)) |
| Beacon | Baker Hill ASK BKR document classification in small-business and SBA lending | Not disclosed | June 2026 ([Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/beacon-bank-and-baker-hill-expand-long-standing-partnership-to-enhance-digital-small-business-and-sba-lending-experiences-302802028.html)) |

## 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. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000140/investorpresentationslid.htm))

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. ([Eastern Bankshares](https://investor.easternbank.com/news/news-details/2025/CORRECTING-and-REPLACING-Eastern-Bankshares-Inc--Announces-Completion-of-HarborOne-Acquisition-And-Proration-of-Merger-Consideration/default.aspx), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ebc-q1-2026-earnings-transcript-163527279.html), [Eastern Bankshares (Business Wire)](https://www.businesswire.com/news/home/20260723377045/en/Eastern-Bankshares-Inc.-Reports-Second-Quarter-2026-Financial-Results), [Beacon Financial (PR Newswire)](https://prnewswire.com/news-releases/beacon-financial-corporation-announces-debut-of-beacon-bank-302694053.html), [Narmi (Banking Dive press release)](https://www.bankingdive.com/press-release/20260302-23-billion-beacon-bank-goes-live-with-narmi-one-for-digital-banking-and-ac/), [Rockland Trust](https://www.rocklandtrust.com/independent-bank-corp-announces-completion-of-enterprise-bancorp-inc-aquisition-and-appointment-of-kenneth-s-ansin-and-joseph-c-lerner-as-directors))

## 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. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript))

### 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. ([Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000119312526126283/d17640ddef14a.htm), [Eastern Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1810546/000162828026013126/ebc-20251231.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript))

### 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. ([Customers Bank (Business Wire)](https://businesswire.com/news/home/20260427319349/en/Customers-Bank-Announces-Strategic-Collaboration-with-OpenAI-to-Redefine-the-Commercial-Banking-Operating-Model), [Customers Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1488813/000148881326000082/q226investorpresentation.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/customers-bancorp-q2-earnings-call-140353073.html), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript))

### 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. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/17/independent-bank-indb-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-independent-bank-q4-2025-beats-earnings-forecast-93CH-4463524), [Independent Bank Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/776901/000077690126000079/indb-20260326.htm))

### 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. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/independent-bank-q1-earnings-call-160403216.html))

### 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. ([The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript), [Investing.com](https://ca.investing.com/news/transcripts/earnings-call-transcript-independent-bank-misses-q2-2026-estimates-as-shares-fall-93CH-4740048), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-corporation-q1-123000791.html), [Community Financial System (SEC filings)](https://www.sec.gov/Archives/edgar/data/723188/000110465926087355/tm2621422d1_ex99-1.htm))

### 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. ([American Banker](https://americanbanker.com/news/how-oceanfirst-uses-ai-to-investigate-crime-analyze-bonds), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000050/ex991-investorpresentati.htm), [OceanFirst Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ex992q22026-earningsrele.htm), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/10/16/independent-bank-indb-q3-2026-earnings-call-transcript))

## Peers on this site

- [Eastern Bankshares AI strategy](https://www.bankingnewsai.com/banks/eastern) · [vs peers](https://www.bankingnewsai.com/banks/eastern/vs-peers)
- [Beacon Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/beacon) · [vs peers](https://www.bankingnewsai.com/banks/beacon/vs-peers)
- [OceanFirst Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/oceanfirst) · [vs peers](https://www.bankingnewsai.com/banks/oceanfirst/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [Community Financial System (Community Bank, N.A.) AI strategy](https://www.bankingnewsai.com/banks/community-bank-na) · [vs peers](https://www.bankingnewsai.com/banks/community-bank-na/vs-peers)
- [Customers Bancorp AI strategy](https://www.bankingnewsai.com/banks/customers) · [vs peers](https://www.bankingnewsai.com/banks/customers/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)

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