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Seacoast Banking Corporation of Florida vs peers
AI and technology compared

Last updated Oct 20, 2026 · 7 peers · 82 sources cited

How does Seacoast Banking Corporation of Florida compare with its peers on AI and technology?

On this site's AI disclosure index Seacoast scores 42.1 (#67 of 120 US banks), fourth in an eight-bank group of regionals that take Florida deposits, behind SouthState (70.9), Pinnacle (65.3) and BankUnited (63.5) and ahead of United Community (38.7), Hancock Whitney (37.4), City National Bank of Florida (26.9) and Ameris (20.7). What separates it is AI in production at the operating level. Since December 2025 its card and payment disputes run on Quavo's agentic-AI platform, which handles intake to resolution and detects fraud, and in October 2026 Abrigo reported that Seacoast's generative-AI loan-review assistant cut a clean credit line sheet from 8 to 10 hours to 4 to 6 hours. No other bank in the group has disclosed an AI dispute system; United Community says vendors' AI helped halve its fraud losses over two years (April 2026). Seacoast also publishes an 'AI Information' page written for AI assistants and large language models. Where it trails is people and numbers. It names no AI head, while Pinnacle names a head of AI and almost 20 AI engineers (July 2026) and BankUnited set up an AI and Data Advisory Group in July 2025. It discloses 11 AI-related numbers against SouthState's 20, which reports 2,500+ premium Copilot users and 12K+ prompts a day (June 30, 2026). Its own 10-K, filed February 27, 2026, says many competitors invest substantially greater resources in technology than it does.[1][2][3][4][5][6][7][8][9]

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

Where it leads

Where does Seacoast Bank lead its peers on AI?

01

The only disclosed AI dispute platform in the group

Seacoast moved its card and payment disputes onto Quavo's QFD platform in December 2025; it runs the dispute lifecycle with agentic AI trained on millions of cases and supports Regulation E compliance. United Community credits vendors' AI with part of a 50% fall in fraud losses over two years (April 2026) but names no dispute system, and City National Bank of Florida's published fraud tools are rules-based Positive Pay and card controls.[1][3][10]

02

A measured generative-AI result in credit review

Abrigo's October 2026 case study reports that Seacoast's Loan Review Assistant cut clean line sheets from 8 to 10 hours to 4 to 6 hours, with every output human-reviewed, and that the bank aims to automate every non-judgemental credit-review task by 2028. Pinnacle's ChatPFP answered 18,000 banker questions and saved 3,000-plus hours by April 2026; BankUnited's SAVI assistant is reported at 95% accuracy over about 400 policy documents.[2][11][12]

03

Most use cases in production in the group

Seacoast's profile records 10 of 11 described AI use cases as in production, the highest in-production count in the eight-bank group alongside SouthState (10 of 20) and BankUnited (10 of 15); Hancock Whitney records 5 of 11. Seacoast's list runs from the Quavo dispute agent to Abrigo loan review and board-level AI risk oversight.[1][2][13]

04

A page written for AI search that no peer has published

Seacoast publishes an 'AI Information' page of structured facts 'intended for AI assistants and large language models', with explicit response instructions, last updated January 2026. None of the seven peers' profiles records an equivalent; BankUnited's and City National Bank of Florida's public AI content is fraud education on voice cloning and AI phishing.[4][14][15]

Where it trails

Where does Seacoast Bank trail its peers on AI?

01

No named AI leader, while Pinnacle and BankUnited name owners

Seacoast has named no chief AI or data officer; technology sits with CIO Jeff Semonovich (hired January 2025) and AI risk with the board's Information Technology Committee. Pinnacle names a head of AI, Kevin Johnson, and its CEO cited almost 20 AI engineers in July 2026; BankUnited's 2026 proxy describes an AI and Data Advisory Group formed in July 2025.[16][13][5][6][7]

02

Fewer disclosed AI numbers than SouthState

Seacoast scores 11 on disclosed numbers, seventh of eight in the group (median 14). SouthState reports 2,500+ premium and 2,200+ active basic Copilot users, 12K+ prompts a day and about 90% of credit spreads done by AI (June 30, 2026); Seacoast's AI figures are the Abrigo time savings and no usage or adoption count.[8][2]

03

Less independent coverage than SouthState and Pinnacle

Seacoast scores 4 on independent sources, fifth of eight, against 12 each for SouthState and Pinnacle; much of its AI record comes from its own filings, its AI Information page and vendors' case studies (Quavo, Abrigo). Pinnacle's head of AI and SouthState's Copilot programme have been covered by trade press.[9][4][5]

04

No customer-facing assistant or digital-user count

Seacoast's online and mobile banking offers mobile check deposit, Zelle, biometric login, real-time fraud alerts and budgeting tools, but no AI assistant, and it discloses no digital-user figure. Hancock Whitney reports 80% of new checking accounts digitally active and mobile account openings up 20% (Q4 2025); Regions reports 2.7 million active mobile users.[17][4][18][19]

AI index

Where does Seacoast Bank 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
SouthState Bank70.9#33 of 120121610 of 2020Copilot at scale, tested models, and Fiserv agentOS agents[20][21][22]
Pinnacle Financial Partners65.3#42 of 12012179 of 1221A head of AI inside a banker-led model[5][23][24][11][6]
BankUnited63.5#44 of 12072610 of 1519SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[12][25][26][27][28]
Seacoast Banking Corporation of Florida (this page)42.1#67 of 12041810 of 1114Quavo agentic dispute management and Seacoast's AI-information page[1][4][29]
United Community Banks38.7#75 of 1204278 of 1321Not disclosed
Hancock Whitney37.4#78 of 1204205 of 1113MX-powered digital banking modernisation[30][31][32][33][34]
City National Bank of Florida26.9#91 of 1205159 of 910Not disclosed
Ameris Bancorp20.7#97 of 1202189 of 1114Not disclosed
Component by component

On which parts of the AI record is Seacoast Bank ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Seacoast Bank and the 7 peers that are scored on the same basis. "Place" is Seacoast Bank's position in the group of 8 (1st = most).

Component (weight)Seacoast BankPeer medianMost in the groupPlace
Independent sources (45%)45SouthState (12)5th of 8
Use cases in production (10%)109Seacoast Bank (10)1st of 8
Own primary disclosures (10%)1818United Community (27)4th of 8
Dated moves, last 12 months (10%)1419United Community (21)5th of 8
Disclosed numbers (5%)1214SouthState (20)5th of 8
Named AI leaders (5%)109Pinnacle (12)3rd of 8
Use cases described (5%)1112SouthState (20)5th of 8
Head to head

What has each bank in Seacoast Bank'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
Seacoast Banking Corporation of FloridaQuavo agentic dispute management and Seacoast's AI-information page[1][4][29]10, incl. Charles M. Shaffer (Chairman and CEO)[35][36]Full-time-equivalent employees: 1,962 (Dec 31, 2025)[9]1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs)[37]Not surveyed
BankUnitedSAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre[12][25][26][27][28]11, incl. Rajinder Singh (Chairman, President and CEO)[38]Not disclosedNot disclosedNot surveyed
SouthState BankCopilot at scale, tested models, and Fiserv agentOS agents[20][21][22]10, incl. John Corbett (Chief Executive Officer)[39]Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026)[8]None found (the profile's patent search)[40]1 open AI roles (Sep 24, 2026); most in AI engineering
City National Bank of FloridaNot disclosed6, incl. Jorge Gonzalez (Vice Chairman and CEO)[41]Employees (FDIC): 1,172 (1,134 at 31 March 2026) (Jun 30, 2026)[42]Not disclosedNot surveyed
Hancock WhitneyMX-powered digital banking modernisation[30][31][32][33][34]8, incl. John Hairston (President and CEO)[43][44]New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026)[31]Not disclosedNot surveyed
Ameris BancorpNot disclosed9, incl. Palmer Proctor (Chief Executive Officer)[45][46]Full-time-equivalent employees: 2,673 (Dec 31, 2025)[47]Not disclosed1 open AI roles (Oct 1, 2026); most in AI engineering
United Community BanksNot disclosed6, incl. Lynn Harton (Chairman, CEO and President)[48][49][50][3]Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026)[3]Not disclosedNot surveyed
Pinnacle Financial PartnersA head of AI inside a banker-led model[5][23][24][11][6]12, incl. Kevin Blair (President and CEO)[23][51][11][6]AI engineers employed: almost 20 (Jul 23, 2026)[6]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of Seacoast Bank 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 8, 2026Seacoast BankAbrigo publishes Seacoast loan-review AI case study[2]
Oct 2, 2026SouthStateQ3 2026 results scheduled[52]
Oct 1, 2026PinnacleChief digital officer: 200,000-plus customers move to a new app in March 2027[53]
Oct 1, 2026SouthStateEdmonds profiled for tokenized-deposit and instant-payments work[54]
Sep 18, 2026United CommunityCustomer guidance on AI-enabled scams[55]
Sep 14, 2026United CommunityNamed as a Microsoft Copilot adopter[56]
Sep 9, 2026Hancock Whitney'AI is raising business cyber risk' guidance[33]
Aug 7, 2026AmerisQ2 2026 10-Q: no AI language; technology cost and premium finance figures[57]
Aug 7, 2026Hancock WhitneySecond-quarter 2026 10-Q[58]
Aug 6, 2026BankUnitedQ2 2026 10-Q has no AI discussion[59]
Aug 4, 2026PinnacleQ2 10-Q: AI initiatives listed as an execution risk[60]
Aug 4, 2026Seacoast BankQ2 2026 10-Q widens its AI risk language[61][62]
Jul 28, 2026City National FloridaResidential lending strategy and Polly pricing engine[63]
Jul 24, 2026AmerisQ2 2026 call: no AI discussion[64]
Jul 22, 2026BankUnitedQ2 2026 call: staying out of data-centre lending[65]
Jul 13, 2026City National FloridaTampa Bay regional headquarters opens[66]
Fraud and disputes

How does Seacoast's fraud and dispute AI compare with its Florida peers'?

What each bank has disclosed about AI or automation in fraud prevention and dispute handling, with the date. A blank means nothing is on the record, not that nothing exists.

BankWhat it has disclosedSinceScale or result
SeacoastQuavo QFD agentic-AI dispute management with fraud detection; proactive outreach on atypical account activityDecember 2025; June 2026Model trained on millions of real-world cases; Regulation E compliance and faster resolution cited[1][67]
United CommunityVendor-delivered AI in fraud prevention and contact-centre agent toolsApril 2026Fraud losses down 50% over two years, partly thanks to vendors' AI[3]
AmerisVoice ID upgrade that scores calls before they reach a banker; photo-ID scanning that flags fraudulent IDs2025 annual report (April 2026)Earlier Voice ID system protected more than $95 million of customer funds[68]
BankUnitedCustomer and small-business education on AI fraud, AI-powered fraud prevention with automated risk scoring2024 to 202623% of surveyed SMBs would switch banks over security concerns (January 2026)[69][70]
City National Bank of FloridaACH and check Positive Pay, ACH debit block and filtering, app-based Card ControlRetrieved October 2026No machine-learning fraud engine disclosed[10][71]
Hancock WhitneyAI tools in the security programme (2025 10-K); lobbying for a federal fraud officeFebruary 2026; September 2025Not disclosed[34][72]
Employee AI tools

How do Seacoast's internal AI tools compare with its Florida peers'?

Internal assistants and staff tools each bank has put on the record, with usage where disclosed.

BankToolUsage or result disclosedDate
SeacoastAbrigo Loan Review Assistant (generative AI inside DiCOM Loan Review)Clean line sheets from 8 to 10 hours to 4 to 6 hours; every output human-reviewedOctober 2026[2]
SouthStateMicrosoft Copilot and a GenAI Knowledge Assistant2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a dayJune 30, 2026[8]
PinnacleChatPFP policy and procedures assistant18,000 banker questions answered; 3,000-plus hours savedApril 2026[11]
BankUnitedSAVI, an internal assistant on Anthropic's Claude 2 via Amazon BedrockAbout 400 policy documents; 95% accuracy reported (undated AWS case study)Retrieved September 2026[12]
United CommunityMicrosoft Copilot for staff; AI in the branch support deskNot disclosedSeptember 2026[56][48]
AmerisAI in limited internal use; AI review of software vendor contractsThe 10-K says limited internal use 'has increased our efficiency'February and April 2026[47][46]
AI ownership and governance

Who owns AI at Seacoast and its Florida peers?

The named owner of AI, and the governance body each bank has disclosed.

BankNamed ownerGovernance disclosedSource date
SeacoastNo AI head; CIO Jeff Semonovich (from January 2025) under COO Julie KleffelBoard Information Technology Committee assesses AI risk; directors include Principal Financial's CIO Kathy Kay and former Fiserv CIO Maryann GoebelApril 2026[16][13][73]
PinnacleHead of AI Kevin Johnson; almost 20 AI engineersAI initiatives listed as an execution risk in the Q2 2026 10-QJuly and August 2026[5][6][60]
BankUnitedNo AI head; Lisa Shim leads technology and innovationAI and Data Advisory Group formed July 2025; board Risk Committee updated on AI; director AI training in 2025April 2026[7][74]
Hancock WhitneyNo AI head; director of digital strategy Pam Hymel leads the appBoard oversight of AI and an AI Working Group that approves use cases (2025 10-K); director Suzette Kent, former US Federal CIOFebruary and March 2026[34][75][31]
SouthStateNo chief AI officer; an AI Enablement Manager runs adoptionNot disclosed beyond the 10-KAugust 2026[20][40]
United CommunityCIO Mark Terry leads the search for AI projects and toolsNew AI uses analysed for cyber risk before implementation (2025 10-K)September 2026[56][76]
The peer group

Which banks are Seacoast Bank's peers, and why these?

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

The computed group mixed in TowneBank (Virginia), WesBanco (West Virginia), Trustmark, Renasant and FB Financial; this group holds the regional banks that take Florida deposits through their own branches, from the Miami-based BankUnited and City National Bank of Florida to SouthState, Pinnacle (through Synovus), Hancock Whitney, Ameris and United Community, while the national banks that lead Florida deposits are compared on the competitors page.

Common questions

Is Seacoast Bank better than BankUnited at AI?

The record cannot settle capability, but BankUnited has put more on it: 63.5 on this site's disclosure index against Seacoast's 42.1. BankUnited discloses an AI and Data Advisory Group (July 2025) and an internal assistant, SAVI. Seacoast discloses more AI in operations: agentic dispute handling since December 2025 and generative-AI loan review that roughly halves documentation time.[7][12][1][2]

How does Seacoast compare with SouthState on AI?

SouthState scores 70.9 on the index and Seacoast 42.1. SouthState counts adoption: 2,500+ premium Copilot users, 12K+ prompts a day and a knowledge assistant answering 1,100-plus questions a day at June 30, 2026. Seacoast's record is narrower and operational: Quavo's dispute agent and Abrigo's loan-review assistant. Neither names a chief AI officer.[8][1][2][40]

Does Seacoast Bank have an AI virtual assistant for customers?

Not one it has disclosed. Its online and mobile banking offers mobile check deposit, Zelle, biometric login and real-time fraud alerts, and its AI use is behind the scenes, in disputes and loan review. Among Florida's largest banks, Bank of America says Erica helps more than 24.6 million clients and Wells Fargo says Fargo passed 1 billion interactions in March 2026.[17][1][77][78]

Which Florida bank uses AI for fraud and disputes?

Seacoast is the one in its peer group with a disclosed AI dispute platform: Quavo's agentic-AI system since December 2025. United Community says vendors' AI helped cut fraud losses 50% over two years, and Ameris describes a Voice ID upgrade that scores calls; City National Bank of Florida's published business fraud tools are Positive Pay and card controls.[1][3][68][10]

Who leads AI at Seacoast compared with Pinnacle?

Seacoast names no AI head; chief information officer Jeff Semonovich runs technology and the board's Information Technology Committee assesses AI risk. Pinnacle, which merged with Synovus on January 1, 2026, names a head of AI, Kevin Johnson, and its CEO said in July 2026 that it employs almost 20 AI engineers.[16][13][79][5][6]

How does Seacoast's technology spending compare with larger rivals?

Seacoast does not publish a technology budget. Its outsourced data processing cost $37.6 million in 2025, and its 10-K says many competitors invest substantially greater resources in technology. Among Florida's deposit leaders, JPMorgan Chase guided about $19.8 billion of 2026 technology expense and Bank of America $13.5 billion a year.[9][80][81]

What do Seacoast's SEC filings say about AI compared with peers'?

Seacoast's 10-K has carried a dedicated AI risk factor since February 2025, and the February 2026 filing adds AI-enabled competitors, internal reliance on AI and deepfake fraud. Ameris's 2025 10-K says limited internal AI use has increased efficiency; BankUnited's calls current AI use not material; Hancock Whitney's adds an AI Working Group.[82][9][47][28][34]

How does Seacoast compare with Hancock Whitney and City National Bank of Florida on AI?

Seacoast scores 42.1 on this site's index, Hancock Whitney 37.4 and City National Bank of Florida 26.9. Hancock Whitney's record is a digital rebuild with MX and an AI Working Group in its 10-K; City National's published fraud tools are rules-based and it files no 10-K. Seacoast is the only one of the three with disclosed AI in production in disputes and loan review.[31][34][10][1][2]

Peers on this site
BankUnited AI strategy →How BankUnited compares with its peers →SouthState AI strategy →How SouthState Bank compares with its peers →City National Florida AI strategy →How City National Bank of Florida compares with its peers →Hancock Whitney AI strategy →How Hancock Whitney compares with its peers →Ameris AI strategy →How Ameris Bancorp compares with its peers →United Community AI strategy →How United Community Banks compares with its peers →Pinnacle AI strategy →How Pinnacle Financial Partners compares with its peers →
Deeper on Seacoast Bank
Seacoast Bank AI strategy: the full profile →Seacoast Banking Corporation of Florida competitors and alternatives →Seacoast Bank AI profile →Seacoast competitors and alternatives →SouthState vs peers on AI →Bank AI index →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
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    Wells Fargo (Business Wire) · Mar 26, 2026
  79. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion
    Pinnacle Financial Partners · Jan 2, 2026
  80. 2026 Company Update presentation slides (Form 8-K, Exhibit 99.2)
    JPMorgan Chase & Co. (SEC filings) · Feb 23, 2026
  81. Merrill and Bank of America Private Bank Launch AI-Powered Meeting Journey
    Bank of America (PR Newswire) · Mar 26, 2026
  82. Seacoast Banking Corporation of Florida Annual Report on Form 10-K for the fiscal year ended December 31, 2024
    Seacoast Banking Corporation of Florida (SEC filings) · Feb 25, 2025

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