# Seacoast Banking Corporation of Florida vs peers: AI and technology compared

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

*Part of the [Seacoast Banking Corporation of Florida AI strategy profile](https://www.bankingnewsai.com/banks/seacoast). Peer group: BankUnited, SouthState Bank, City National Bank of Florida, Hancock Whitney, Ameris Bancorp, United Community Banks, Pinnacle Financial Partners.*

## 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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm))

## Where does Seacoast Bank lead its peers on AI?

- **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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [City National Bank of Florida](https://www.citynational.com/treasury-management/fraud-prevention))
- **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. ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/))
- **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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm))
- **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. ([Seacoast Bank](https://www.seacoastbank.com/ai-information), [BankUnited](https://bankunited.com/all-resources/emerging-ai-voice-clone-impersonation-scams), [City National Bank of Florida](https://www.citynational.com/post/what-are-ai-voice-cloning-scams))

## Where does Seacoast Bank trail its peers on AI?

- **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. ([Seacoast Bank](https://www.seacoastbank.com/newsroom/seacoast-names-jeff-semonovich-as-evp-chief-information-officer), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm))
- **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. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))
- **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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson))
- **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. ([Seacoast Bank](https://www.seacoastbank.com/online-and-mobile-banking), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | [63.5](https://www.bankingnewsai.com/banks/ai-index) | #44 of 120 | [7](https://www.bankingnewsai.com/banks/bankunited#sources) | [26](https://www.bankingnewsai.com/banks/bankunited#sources) | [10 of 15](https://www.bankingnewsai.com/banks/bankunited#where) | [19](https://www.bankingnewsai.com/banks/bankunited#timeline) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) |
| [Seacoast Banking Corporation of Florida (this page)](https://www.bankingnewsai.com/banks/seacoast) | [42.1](https://www.bankingnewsai.com/banks/ai-index) | #67 of 120 | [4](https://www.bankingnewsai.com/banks/seacoast#sources) | [18](https://www.bankingnewsai.com/banks/seacoast#sources) | [10 of 11](https://www.bankingnewsai.com/banks/seacoast#where) | [14](https://www.bankingnewsai.com/banks/seacoast#timeline) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | [38.7](https://www.bankingnewsai.com/banks/ai-index) | #75 of 120 | [4](https://www.bankingnewsai.com/banks/united-community#sources) | [27](https://www.bankingnewsai.com/banks/united-community#sources) | [8 of 13](https://www.bankingnewsai.com/banks/united-community#where) | [21](https://www.bankingnewsai.com/banks/united-community#timeline) | Not disclosed |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | [37.4](https://www.bankingnewsai.com/banks/ai-index) | #78 of 120 | [4](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [20](https://www.bankingnewsai.com/banks/hancock-whitney#sources) | [5 of 11](https://www.bankingnewsai.com/banks/hancock-whitney#where) | [13](https://www.bankingnewsai.com/banks/hancock-whitney#timeline) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) |
| [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | [26.9](https://www.bankingnewsai.com/banks/ai-index) | #91 of 120 | [5](https://www.bankingnewsai.com/banks/city-national-florida#sources) | [15](https://www.bankingnewsai.com/banks/city-national-florida#sources) | [9 of 9](https://www.bankingnewsai.com/banks/city-national-florida#where) | [10](https://www.bankingnewsai.com/banks/city-national-florida#timeline) | Not disclosed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | [20.7](https://www.bankingnewsai.com/banks/ai-index) | #97 of 120 | [2](https://www.bankingnewsai.com/banks/ameris#sources) | [18](https://www.bankingnewsai.com/banks/ameris#sources) | [9 of 11](https://www.bankingnewsai.com/banks/ameris#where) | [14](https://www.bankingnewsai.com/banks/ameris#timeline) | Not disclosed |

## 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 Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 4 | 5 | [SouthState (12)](https://www.bankingnewsai.com/banks/southstate) | 5th of 8 |
| Use cases in production (10%) | 10 | 9 | [Seacoast Bank (10)](https://www.bankingnewsai.com/banks/seacoast) | 1st of 8 |
| Own primary disclosures (10%) | 18 | 18 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 4th of 8 |
| Dated moves, last 12 months (10%) | 14 | 19 | [United Community (21)](https://www.bankingnewsai.com/banks/united-community) | 5th of 8 |
| Disclosed numbers (5%) | 12 | 14 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 5th of 8 |
| Named AI leaders (5%) | 10 | 9 | [Pinnacle (12)](https://www.bankingnewsai.com/banks/pinnacle) | 3rd of 8 |
| Use cases described (5%) | 11 | 12 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 5th of 8 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic dispute management and Seacoast's AI-information page ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Seacoast Bank](https://www.seacoastbank.com/ai-information), [Seacoast Bank](https://seacoastbank.com/resource-center/business-insights/business-fraud/protect-your-business-from-business-email-compromise)) | [10, incl. Charles M. Shaffer (Chairman and CEO)](https://www.bankingnewsai.com/banks/seacoast#people) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm), [American Banker](https://americanbanker.com/news/seacoast-to-buy-the-bank-of-the-villages-in-florida)) | Full-time-equivalent employees: 1,962 (Dec 31, 2025) ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm)) | 1 patent listed on the profile, e.g. US 2024/0020590 A1 (Predictive data analysis using value-based predictive inputs) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240020590A1/en)) | Not surveyed |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [11, incl. Rajinder Singh (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/bankunited#people) ([BankUnited](https://ir.bankunited.com/node/13726/pdf)) | Not disclosed | Not disclosed | Not surveyed |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [10, incl. John Corbett (Chief Executive Officer)](https://www.bankingnewsai.com/banks/southstate#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1)) | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | None found (the profile's patent search) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/southstate#roles) |
| [City National Bank of Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Not disclosed | [6, incl. Jorge Gonzalez (Vice Chairman and CEO)](https://www.bankingnewsai.com/banks/city-national-florida#people) ([City National Bank of Florida](https://www.citynational.com/post/city-national-bank-of-florida-to-expand-corporate-headquarters-in-coral-gables)) | Employees (FDIC): 1,172 (1,134 at 31 March 2026) (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A20234&fields=REPDTE,ASSET,DEP,NUMEMP,LNLSNET,NETINC,ROA,EQ&sort_by=REPDTE&sort_order=DESC&limit=5)) | Not disclosed | Not surveyed |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | MX-powered digital banking modernisation ([American Banker](https://digital-banking.americanbanker.com/profile/nate-gardner), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney](https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients), [Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm)) | [8, incl. John Hairston (President and CEO)](https://www.bankingnewsai.com/banks/hancock-whitney#people) ([Hancock Whitney](https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57), [American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank)) | New mobile app ranking among banks and credit unions: 6th best (per MX session description) (Jun 16, 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | Not disclosed | Not surveyed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Not disclosed | [9, incl. Palmer Proctor (Chief Executive Officer)](https://www.bankingnewsai.com/banks/ameris#people) ([Ameris Bancorp](https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) | Full-time-equivalent employees: 2,673 (Dec 31, 2025) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm)) | Not disclosed | [1 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/ameris#roles) |
| [United Community Banks](https://www.bankingnewsai.com/banks/united-community) | Not disclosed | [6, incl. Lynn Harton (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/united-community#people) ([United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment), [United Community Banks (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Fraud losses, change over two years (partly attributed to vendors' AI): −50% (Apr 21, 2026) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | Not disclosed | Not surveyed |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 8, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| Oct 2, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Oct 1, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Edmonds profiled for tokenized-deposit and instant-payments work ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank)) |
| Sep 18, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| Sep 14, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Named as a Microsoft Copilot adopter ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| Sep 9, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| Aug 7, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| Aug 7, 2026 | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Second-quarter 2026 10-Q ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526338672/hwc-20260630.htm)) |
| Aug 6, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| Aug 4, 2026 | [Seacoast Bank](https://www.bankingnewsai.com/banks/seacoast) | Q2 2026 10-Q widens its AI risk language ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026052723/sbcf-20260630.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026031220/sbcf-20260331.htm)) |
| Jul 28, 2026 | [City National Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Residential lending strategy and Polly pricing engine ([HousingWire](https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy)) |
| Jul 24, 2026 | [Ameris](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 call: no AI discussion ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-ameris-bancorp-posts-q2-2026-eps-miss-as-shares-fall-93CH-4811964)) |
| Jul 22, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 call: staying out of data-centre lending ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html)) |
| Jul 13, 2026 | [City National Florida](https://www.bankingnewsai.com/banks/city-national-florida) | Tampa Bay regional headquarters opens ([City National Bank of Florida](https://www.citynational.com/post/new-tampa-bay-headquarters)) |

## 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.

| Bank | What it has disclosed | Since | Scale or result |
| --- | --- | --- | --- |
| Seacoast | Quavo QFD agentic-AI dispute management with fraud detection; proactive outreach on atypical account activity | December 2025; June 2026 | Model trained on millions of real-world cases; Regulation E compliance and faster resolution cited ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Orlando Business Journal](https://www.bizjournals.com/orlando/news/2026/06/24/future-forward-technology-leadership-driving.html)) |
| United Community | Vendor-delivered AI in fraud prevention and contact-centre agent tools | April 2026 | Fraud losses down 50% over two years, partly thanks to vendors' AI ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |
| Ameris | Voice ID upgrade that scores calls before they reach a banker; photo-ID scanning that flags fraudulent IDs | 2025 annual report (April 2026) | Earlier Voice ID system protected more than $95 million of customer funds ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf)) |
| BankUnited | Customer and small-business education on AI fraud, AI-powered fraud prevention with automated risk scoring | 2024 to 2026 | 23% of surveyed SMBs would switch banks over security concerns (January 2026) ([BankUnited](https://bankunited.com/all-resources/why-digital-payments-need-ai-powered-fraud-prevention), [BankUnited](https://bankunited.com/all-resources/why-security-will-be-the-deciding-factor-for-smb-banking-in-2026)) |
| City National Bank of Florida | ACH and check Positive Pay, ACH debit block and filtering, app-based Card Control | Retrieved October 2026 | No machine-learning fraud engine disclosed ([City National Bank of Florida](https://www.citynational.com/treasury-management/fraud-prevention), [City National Bank of Florida](https://www.citynational.com/post/card-control-enhancing-your-digital-wallet-experience)) |
| Hancock Whitney | AI tools in the security programme (2025 10-K); lobbying for a federal fraud office | February 2026; September 2025 | Not disclosed ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [FDIC](https://www.fdic.gov/federal-register-publications/hancock-whitney-bank-jennifer-ng-rin-3064-za49.pdf)) |

## 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.

| Bank | Tool | Usage or result disclosed | Date |
| --- | --- | --- | --- |
| Seacoast | Abrigo 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-reviewed | October 2026 ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| SouthState | Microsoft Copilot and a GenAI Knowledge Assistant | 2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a day | June 30, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Pinnacle | ChatPFP policy and procedures assistant | 18,000 banker questions answered; 3,000-plus hours saved | April 2026 ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) |
| BankUnited | SAVI, an internal assistant on Anthropic's Claude 2 via Amazon Bedrock | About 400 policy documents; 95% accuracy reported (undated AWS case study) | Retrieved September 2026 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/)) |
| United Community | Microsoft Copilot for staff; AI in the branch support desk | Not disclosed | September 2026 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/), [United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760)) |
| Ameris | AI in limited internal use; AI review of software vendor contracts | The 10-K says limited internal use 'has increased our efficiency' | February and April 2026 ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) |

## Who owns AI at Seacoast and its Florida peers?

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

| Bank | Named owner | Governance disclosed | Source date |
| --- | --- | --- | --- |
| Seacoast | No AI head; CIO Jeff Semonovich (from January 2025) under COO Julie Kleffel | Board Information Technology Committee assesses AI risk; directors include Principal Financial's CIO Kathy Kay and former Fiserv CIO Maryann Goebel | April 2026 ([Seacoast Bank](https://www.seacoastbank.com/newsroom/seacoast-names-jeff-semonovich-as-evp-chief-information-officer), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026021408/sbcfpressrelease20260326.htm)) |
| Pinnacle | Head of AI Kevin Johnson; almost 20 AI engineers | AI initiatives listed as an execution risk in the Q2 2026 10-Q | July and August 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| BankUnited | No AI head; Lisa Shim leads technology and innovation | AI and Data Advisory Group formed July 2025; board Risk Committee updated on AI; director AI training in 2025 | April 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [American Banker](https://americanbanker.com/news/lisa-shim-bankunited-most-powerful-women-next)) |
| Hancock Whitney | No AI head; director of digital strategy Pam Hymel leads the app | Board oversight of AI and an AI Working Group that approves use cases (2025 10-K); director Suzette Kent, former US Federal CIO | February and March 2026 ([Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526109512/hwc-20260317.htm), [American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) |
| SouthState | No chief AI officer; an AI Enablement Manager runs adoption | Not disclosed beyond the 10-K | August 2026 ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| United Community | CIO Mark Terry leads the search for AI projects and tools | New AI uses analysed for cyber risk before implementation (2025 10-K) | September 2026 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm)) |

## 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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000037/bkuproxy-20260410.htm), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))

### 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. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

### 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. ([Seacoast Bank](https://www.seacoastbank.com/online-and-mobile-banking), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones))

### 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. ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000114036126013511/ny20065565x3_ars.pdf), [City National Bank of Florida](https://www.citynational.com/treasury-management/fraud-prevention))

### 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. ([Seacoast Bank](https://www.seacoastbank.com/newsroom/seacoast-names-jeff-semonovich-as-evp-chief-information-officer), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026024690/sbcf-20260410.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html))

### 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026010693/firmoverview.htm), [Bank of America (PR Newswire)](https://prnewswire.com/news-releases/merrill-and-bank-of-america-private-bank-launch-ai-powered-meeting-journey-302725593.html))

### 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. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000045/sbcf-20241231.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm))

### 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. ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Hancock Whitney (SEC filings)](https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm), [City National Bank of Florida](https://www.citynational.com/treasury-management/fraud-prevention), [Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html), [Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/))

## Peers on this site

- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [City National Bank of Florida AI strategy](https://www.bankingnewsai.com/banks/city-national-florida) · [vs peers](https://www.bankingnewsai.com/banks/city-national-florida/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)

## Sources

1. Seacoast Bank and Quavo Partner to Enhance Dispute Operations and Reduce Fraud Losses — Quavo (GlobeNewswire), Dec 9, 2025. https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html
2. Seacoast Bank cuts complex loan review documentation time nearly in half with Abrigo Loan Review Assistant — Abrigo, Oct 8, 2026. https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/
3. United Community Banks first-quarter 2026 earnings call transcript (filed under Rule 425) — United Community Banks (SEC filings), Apr 21, 2026. https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm
4. AI Information — Seacoast Bank, Jan 1, 2026. https://www.seacoastbank.com/ai-information
5. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
6. Pinnacle Financial Partners (PNFP) Q2 FY2026 earnings call transcript — Yahoo Finance (earnings call transcript), Jul 23, 2026. https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html
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10. Fraud Prevention Solutions for Your Business — City National Bank of Florida, Oct 14, 2026. https://www.citynational.com/treasury-management/fraud-prevention
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14. Emerging AI Voice Clone Impersonation Scams — BankUnited, Jun 26, 2025. https://bankunited.com/all-resources/emerging-ai-voice-clone-impersonation-scams
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17. Online & Mobile Banking (retrieved 2026-10-19) — Seacoast Bank, Oct 19, 2026. https://www.seacoastbank.com/online-and-mobile-banking
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22. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
23. Pinnacle points to new hires as proof that merger is working — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working
24. AI and Treasury Management: More Opportunity, More Risk — Pinnacle Financial Partners, Jun 1, 2026. https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/
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26. Talkdesk shatters outdated customer experience paradigm with launch of Customer Experience Automation platform — Talkdesk, Jun 11, 2025. https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/
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30. Nate Gardner, Chief Xperience Officer, MX (Digital Banking speaker profile; session 'From Old Money to New Momentum: How Hancock Whitney Modernized for the Next Generation') — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/nate-gardner
31. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
32. Hancock Whitney Expands Offering with Free Greenlight Subscription for Clients — Hancock Whitney, Nov 12, 2025. https://www.hancockwhitney.com/newsroom/hancock-whitney-expands-offering-with-free-greenlight-subscription-for-clients
33. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
34. Hancock Whitney Corporation Annual Report on Form 10-K for 2025 — Hancock Whitney (SEC filings), Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/750577/000119312526077903/hwc-20251231.htm
35. Seacoast Reports Second Quarter 2026 Results (Form 8-K, Exhibit 99.1) — Seacoast Banking Corporation of Florida (SEC filings), Jul 28, 2026. https://www.sec.gov/Archives/edgar/data/730708/000162828026050147/sbcf2q2026earningsrelease.htm
36. Seacoast to buy the bank of The Villages in Florida — American Banker, May 30, 2025. https://americanbanker.com/news/seacoast-to-buy-the-bank-of-the-villages-in-florida
37. US20240020590A1 - Predictive data analysis using value-based predictive inputs — Google Patents (USPTO), Jan 18, 2024. https://patents.google.com/patent/US20240020590A1/en
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39. SouthState Bank Corporation Reports Second Quarter 2026 Results, Declares an Increase in the Quarterly Cash Dividend — PR Newswire via FT Markets, Jul 23, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1
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41. City National Bank of Florida To Expand Corporate Headquarters in Coral Gables — City National Bank of Florida, Apr 8, 2025. https://www.citynational.com/post/city-national-bank-of-florida-to-expand-corporate-headquarters-in-coral-gables
42. BankFind financial data, City National Bank of Florida (FDIC certificate 20234) — FDIC, Jun 30, 2026. https://api.fdic.gov/banks/financials?filters=CERT%3A20234&fields=REPDTE,ASSET,DEP,NUMEMP,LNLSNET,NETINC,ROA,EQ&sort_by=REPDTE&sort_order=DESC&limit=5
43. Hancock Whitney Reports First Quarter 2026 EPS of $0.57 — Hancock Whitney, Apr 21, 2026. https://investors.hancockwhitney.com/news/news-details/2026/Hancock-Whitney-Reports-First-Quarter-2026-EPS-of-0-57
44. Hancock Whitney inks deal to buy Orlando community bank — American Banker, May 15, 2026. https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank
45. Ameris Bancorp Announces First Quarter 2026 Financial Results — Ameris Bancorp, Apr 23, 2026. https://ir.amerisbank.com/news/news-details/2026/Ameris-Bancorp-Announces-First-Quarter-2026-Financial-Results
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49. United Community Banks, Inc. Announces Agreement to Sell Equipment Finance Business, Consisting of Navitas Credit Corp. and NLFC Reinsurance Corp., to Funds Managed by Wafra Inc. — United Community Banks, Jun 12, 2026. https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment
50. United Community Banks, Inc. Reports Second Quarter Earnings — United Community Banks (GlobeNewswire), Jul 21, 2026. https://globenewswire.com/news-release/2026/07/21/3330328/0/en/united-community-banks-inc-reports-second-quarter-earnings.html
51. Pinnacle Financial, Synovus name leadership team to steer combined bank — Reuters, Aug 21, 2025. https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/
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54. The Most Powerful Women in Banking NEXT, #14, Tara Edmonds, SouthState Bank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank
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63. The New York sessions: City National Bank of Florida's service-first growth strategy — HousingWire, Jul 28, 2026. https://housingwire.com/videos/the-new-york-sessions-city-national-bank-of-floridas-service-first-growth-strategy
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69. Why Digital Payments Need AI-Powered Fraud Prevention — BankUnited, Apr 8, 2025. https://bankunited.com/all-resources/why-digital-payments-need-ai-powered-fraud-prevention
70. Why Security Will Be the Deciding Factor for SMB Banking in 2026 — BankUnited, Jan 9, 2026. https://bankunited.com/all-resources/why-security-will-be-the-deciding-factor-for-smb-banking-in-2026
71. Card Control: Enhancing Your Digital Wallet Experience — City National Bank of Florida, Apr 22, 2024. https://www.citynational.com/post/card-control-enhancing-your-digital-wallet-experience
72. Hancock Whitney Bank response to the interagency request for information on payments fraud (RIN 3064-ZA49), with 18 June 2025 letter to the Mississippi Senate delegation — FDIC, Sep 18, 2025. https://www.fdic.gov/federal-register-publications/hancock-whitney-bank-jennifer-ng-rin-3064-za49.pdf
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78. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
79. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion
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81. Merrill and Bank of America Private Bank Launch AI-Powered Meeting Journey — Bank of America (PR Newswire), Mar 26, 2026. https://prnewswire.com/news-releases/merrill-and-bank-of-america-private-bank-launch-ai-powered-meeting-journey-302725593.html
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. https://www.sec.gov/Archives/edgar/data/730708/000073070825000045/sbcf-20241231.htm

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