# Simmons First National Corporation vs peers: AI and technology compared

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

*Part of the [Simmons First National Corporation AI strategy profile](https://www.bankingnewsai.com/banks/simmons). Peer group: Home BancShares (Centennial Bank), Bank OZK, Arvest Bank, Commerce Bancshares, UMB Financial, Prosperity Bancshares, FB Financial Corporation (FirstBank), Renasant Corporation, Trustmark Corporation.*

## How does Simmons First National Corporation compare with its peers on AI and technology?

On this site's AI disclosure index Simmons scores 3.6 (#106 of 120 US banks), seventh in a ten-bank group drawn from its own footprint and proxy peer group, level with FirstBank (3.5) and Home BancShares (3.5) and close to Renasant (2.4), but well behind UMB (47.9), Prosperity (40), Arvest (37.2), Commerce (34), Bank OZK (29.5) and Trustmark (18.7). Simmons leads the group on dated moves in the last 12 months, almost all of them technology leadership and cost actions rather than AI: a CTO hired in May 2025, a first chief data officer retiring in 2026, and 26 branch closures announced in September 2026 to fund talent and technology. Its one measured system is a mobile-deposit scoring algorithm built with Jack Henry, which cut fraud losses 96% to under one basis point and won a 2025 Cobalt Award. What it lacks is a stated AI programme. Its 2025 10-K added a risk factor on agentic AI, but its 2026 proxy does not mention AI, and on the October 16, 2026 call CEO Jay Brogdon spoke of 'technology and automation' while saying the bank is 'barely scratching the surface'. Peers are further along on the record: Bank OZK is one of four banks co-developing Fiserv agentOS agents (May 2026), Commerce wrote an AI pillar and roadmap into its 2025 annual report, Arvest has moved 40% of targeted applications to Google Cloud, and UMB's board Risk Committee oversees AI risk. ([Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Simmons Bank](https://newsroom.simmonsbank.com/2026-08-20-Lisa-Hunter-to-Retire-After-30-Years-at-Simmons-Bank), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526381967/d489413d8k.htm), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Jack Henry (PR Newswire)](https://prnewswire.com/news-releases/jack-henry-announces-2025-cobalt-award-winners-302546109.html), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/simmons-first-sfnc-q3-2026-171510762.html), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm))

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

- **A measured fraud model, where most of the group reports none.** Simmons's in-house mobile-deposit scoring algorithm, built with Jack Henry, scores the customer rather than the cheque, cut fraud losses 96% to under one basis point and lifted monthly mobile-deposit limits from $1,500 to up to $150,000 (September 2025). Home BancShares and Renasant disclose no AI programme, and FirstBank's 10-K keeps AI out of credit, pricing and transaction approvals. ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Jack Henry (PR Newswire)](https://prnewswire.com/news-releases/jack-henry-announces-2025-cobalt-award-winners-302546109.html), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000017/rnst-20251231.htm), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000012/fbk-20251231.htm))
- **The busiest technology-leadership record in the group.** Simmons places first of ten on dated moves in the last 12 months: it hired CTO David Kennedy in May 2025 to run technology delivery under CIO Ann Madea, built a Data Office under its first chief data officer from 2021, and named a Chief Digital Officer in Jack Henry's 2025 case study. Home BancShares discloses no AI leader, and Renasant names no CIO or data officer in its filings. ([Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Simmons Bank](https://newsroom.simmonsbank.com/2026-08-20-Lisa-Hunter-to-Retire-After-30-Years-at-Simmons-Bank), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm))
- **An AI risk factor that names agentic AI.** Simmons's 2025 10-K, filed February 25, 2026, names agentic AI, third-party model risk and incorrect or biased generative output. Home BancShares has carried the same single AI sentence in three 10-Ks since 2024, and Trustmark's 10-K mentions AI only in economic commentary, with no AI risk factor. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm))
- **A board IT Committee and an architecture review board on the record.** Simmons's 10-K describes a board IT Committee that takes reports from the CISO and CIO, plus an architecture review board, a vendor council and a third-party risk department that review new initiatives and vendor terms. Prosperity names a comparable board Strategic Technology Oversight Committee, to which its CIO and CISO report quarterly. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm))

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

- **No AI programme while Bank OZK co-builds agents with Fiserv.** Bank OZK is one of four banks co-developing the next wave of Fiserv agentOS AI agents, with deployments due from summer 2026, and its 10-K names AI as a focus area. Commerce's 2025 annual report describes an AI pillar in its data strategy and a written AI roadmap. Simmons has named no AI use case, leader, vendor or budget. ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results))
- **No board-level AI oversight in the proxy.** Simmons's 2026 proxy statement does not mention AI. UMB's 2026 proxy gives its ten-member Risk Committee oversight of 'emerging technology (including artificial intelligence)' risk, and Renasant's 2026 proxy adds AI implementation to its board technology committee's remit. ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm))
- **The fewest disclosed numbers in the group.** Simmons places 10th of 10 on disclosed numbers; beyond the Jack Henry figures it publishes no digital-user, app or technology-spend count. Commerce reports 82% digital penetration and a 4.7 app rating, and Prosperity's CEO put annual technology spend at $75 million to $90 million (April 2026). ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript))
- **No cloud or core modernisation on the scale of Arvest's.** Arvest has moved 40% of targeted applications to Google Cloud and cut on-premises servers at one data centre by 98% since 2022 (April 2025); Prosperity converted to a real-time core in February 2026 and Trustmark replaced a 45-year-old core in April 2026. Simmons describes automation, centralisation and standardisation under its Better Bank initiative without naming a platform. ([Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [StockStory (Yahoo Finance)](https://finance.yahoo.com/news/trmk-q2-deep-dive-loan-151702996.html), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/04/21/simmons-sfnc-q4-2025-earnings-transcript))

## Where does Simmons 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | [40](https://www.bankingnewsai.com/banks/ai-index) | #71 of 120 | [6](https://www.bankingnewsai.com/banks/prosperity#sources) | [15](https://www.bankingnewsai.com/banks/prosperity#sources) | [4 of 8](https://www.bankingnewsai.com/banks/prosperity#where) | [17](https://www.bankingnewsai.com/banks/prosperity#timeline) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | [37.2](https://www.bankingnewsai.com/banks/ai-index) | #79 of 120 | [7](https://www.bankingnewsai.com/banks/arvest#sources) | [12](https://www.bankingnewsai.com/banks/arvest#sources) | [4 of 11](https://www.bankingnewsai.com/banks/arvest#where) | [9](https://www.bankingnewsai.com/banks/arvest#timeline) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | [34](https://www.bankingnewsai.com/banks/ai-index) | #84 of 120 | [3](https://www.bankingnewsai.com/banks/commerce#sources) | [21](https://www.bankingnewsai.com/banks/commerce#sources) | [6 of 10](https://www.bankingnewsai.com/banks/commerce#where) | [15](https://www.bankingnewsai.com/banks/commerce#timeline) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | [29.5](https://www.bankingnewsai.com/banks/ai-index) | #89 of 120 | [5](https://www.bankingnewsai.com/banks/bank-ozk#sources) | [15](https://www.bankingnewsai.com/banks/bank-ozk#sources) | [4 of 8](https://www.bankingnewsai.com/banks/bank-ozk#where) | [18](https://www.bankingnewsai.com/banks/bank-ozk#timeline) | Not disclosed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | [18.7](https://www.bankingnewsai.com/banks/ai-index) | #98 of 120 | [3](https://www.bankingnewsai.com/banks/trustmark#sources) | [14](https://www.bankingnewsai.com/banks/trustmark#sources) | [6 of 10](https://www.bankingnewsai.com/banks/trustmark#where) | [17](https://www.bankingnewsai.com/banks/trustmark#timeline) | Not disclosed |
| [Simmons First National Corporation (this page)](https://www.bankingnewsai.com/banks/simmons) | [3.6](https://www.bankingnewsai.com/banks/ai-index) | #106 of 120 | [5](https://www.bankingnewsai.com/banks/simmons#sources) | [22](https://www.bankingnewsai.com/banks/simmons#sources) | [8 of 10](https://www.bankingnewsai.com/banks/simmons#where) | [19](https://www.bankingnewsai.com/banks/simmons#timeline) | Not disclosed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #108 of 120 | [6](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [17](https://www.bankingnewsai.com/banks/home-bancshares#sources) | [7 of 10](https://www.bankingnewsai.com/banks/home-bancshares#where) | [17](https://www.bankingnewsai.com/banks/home-bancshares#timeline) | Not disclosed |
| [FB Financial Corporation (FirstBank)](https://www.bankingnewsai.com/banks/fb-financial) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #107 of 120 | [7](https://www.bankingnewsai.com/banks/fb-financial#sources) | [16](https://www.bankingnewsai.com/banks/fb-financial#sources) | [9 of 12](https://www.bankingnewsai.com/banks/fb-financial#where) | [13](https://www.bankingnewsai.com/banks/fb-financial#timeline) | Not disclosed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | [2.4](https://www.bankingnewsai.com/banks/ai-index) | #111 of 120 | [2](https://www.bankingnewsai.com/banks/renasant#sources) | [24](https://www.bankingnewsai.com/banks/renasant#sources) | [12 of 12](https://www.bankingnewsai.com/banks/renasant#where) | [12](https://www.bankingnewsai.com/banks/renasant#timeline) | Not disclosed |

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

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

| Component (weight) | Simmons Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 5 | 6 | [Arvest (7)](https://www.bankingnewsai.com/banks/arvest) | 6th of 10 |
| Use cases in production (10%) | 8 | 6 | [Renasant (12)](https://www.bankingnewsai.com/banks/renasant) | 4th of 10 |
| Own primary disclosures (10%) | 22 | 15 | [Renasant (24)](https://www.bankingnewsai.com/banks/renasant) | 2nd of 10 |
| Dated moves, last 12 months (10%) | 19 | 16 | [Simmons Bank (19)](https://www.bankingnewsai.com/banks/simmons) | 1st of 10 |
| Disclosed numbers (5%) | 10 | 13 | [Centennial Bank (16)](https://www.bankingnewsai.com/banks/home-bancshares) | 10th of 10 |
| Named AI leaders (5%) | 8 | 6 | [UMB (11)](https://www.bankingnewsai.com/banks/umb) | 3rd of 10 |
| Use cases described (5%) | 10 | 10 | [FirstBank (12)](https://www.bankingnewsai.com/banks/fb-financial) | 4th of 10 |

## What has each bank in Simmons 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 |
| --- | --- | --- | --- | --- | --- |
| [Simmons First National Corporation](https://www.bankingnewsai.com/banks/simmons) | Not disclosed | [8, incl. Jay Brogdon (President and CEO)](https://www.bankingnewsai.com/banks/simmons#people) ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [American Banker](https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth)) | Mentions of AI in the 2026 proxy statement: 0 (Apr 8, 2026) ([Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm)) | Not disclosed | Not surveyed |
| [Home BancShares (Centennial Bank)](https://www.bankingnewsai.com/banks/home-bancshares) | Not disclosed | [4, incl. John W. Allison (Chairman and CEO, Home BancShares)](https://www.bankingnewsai.com/banks/home-bancshares#people) ([American Banker](https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html)) | Full-time equivalent employees (2023 / 2024 / 2025): 2,819 / 2,552 / 2,543 (Dec 31, 2025) ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152024000080/homb-20231231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152025000076/homb-20241231.htm), [Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/home-bancshares#roles) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Not disclosed | [9, incl. George Gleason (Chairman and CEO)](https://www.bankingnewsai.com/banks/bank-ozk#people) ([American Banker](https://www.americanbanker.com/news/bank-ozk-says-spike-in-chargeoffs-is-no-cause-for-alarm), [Bank OZK](https://ir.ozk.com/static-files/85bc2c70-5e10-4a19-978d-44b39d79d6fa)) | Full-time-equivalent employees: About 3,280 (3,028 a year earlier) (Dec 31, 2025) ([Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Bank OZK](https://ir.ozk.com/static-files/d6a51e6b-58c9-4542-a44a-111ce32e45a3)) | 5 patents listed on the profile, e.g. US 2015/0348186 A1 (Customer acquisition probability and risk-adjusted return-on-equity analysis) ([Google Patents (USPTO)](https://patents.google.com/patent/US20150348186A1/en)) | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/bank-ozk#roles) |
| [Arvest Bank](https://www.bankingnewsai.com/banks/arvest) | Multi-year technology modernisation (cloud-native core, Google Cloud, Baker Hill UN/FY) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Arvest Bank (PR Newswire)](https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html), [Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud)) | [7, incl. Matt Machen (President and CEO)](https://www.bankingnewsai.com/banks/arvest#people) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) | Employees (call report): 6,087 (Jun 30, 2026) ([FDIC](https://api.fdic.gov/banks/financials?filters=CERT%3A8728&fields=REPDTE%2CASSET%2CDEP%2CNUMEMP%2CNETINC&sort_by=REPDTE&sort_order=DESC&limit=4)) | Not disclosed | Not surveyed |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Enterprise data strategy with an AI pillar; receivables automation for commercial clients ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud)) | [7, incl. John Kemper (President and CEO)](https://www.bankingnewsai.com/banks/commerce#people) ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [American Banker](https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal)) | Digital penetration / app rating / mobile deposit use: 82% / 4.7 (app rating as of 3 February 2026) / 30% (Dec 31, 2025) ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) | Not disclosed | Not surveyed |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Prosperity Bancshares](https://www.bankingnewsai.com/banks/prosperity) | Real-time core (converted February 2026) ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Prosperity Bank](https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf), [Prosperity Bancshares](https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf), [American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) | [6, incl. David Zalman (Senior Chairman and CEO)](https://www.bankingnewsai.com/banks/prosperity#people) ([American Banker](https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal), [American Banker](https://www.americanbanker.com/news/prosperity-blames-loan-growth-woes-on-newcomers-pricing)) | Not disclosed | Not disclosed | Not surveyed |
| [FB Financial Corporation (FirstBank)](https://www.bankingnewsai.com/banks/fb-financial) | Not disclosed | [5, incl. Christopher T. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/fb-financial#people) ([FirstBank](https://www.firstbankonline.com/firstbank-ranked-1-in-jd-power-retail-banking-satisfaction-study-for-south-central-region/), [FB Financial (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202607131615BIZWIRE_USPRX____20260713_BW022911-1)) | Not disclosed | Not disclosed | Not surveyed |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Not disclosed | [2, incl. Kevin D. Chapman (President and CEO)](https://www.bankingnewsai.com/banks/renasant#people) ([Renasant Corporation](https://investors.renasant.com/node/25476/pdf), [Renasant Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html)) | Full-time equivalent employees, Renasant plus The First: mid-2024 vs 31 March 2026: ≈ 3,400 vs ≈ 2,950 (down 450) (Apr 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript)) | Not disclosed | Not surveyed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | Not disclosed | [5, incl. Duane A. Dewey (President and CEO)](https://www.bankingnewsai.com/banks/trustmark#people) ([Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [American Banker](https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo)) | Mentions of AI or artificial intelligence in the annual report, FY2024 / FY2025: 0 / 5, all in economic or market commentary (Feb 23, 2026) ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Simmons 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 16, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Q3 2026 call: technology and automation 'barely scratching the surface' ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript)) |
| Oct 15, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Q3 2026 call: Mountain Commerce conversion set for 6 November ([earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript)) |
| Oct 14, 2026 | [Centennial Bank](https://www.bankingnewsai.com/banks/home-bancshares) | Record third-quarter 2026 results ([Home BancShares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html)) |
| Oct 13, 2026 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | Q3 2026 results and call: first AI exchange on a call ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/a3q26pressreleasetablesfor.htm)) |
| Oct 1, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| Sep 22, 2026 | [Simmons Bank](https://www.bankingnewsai.com/banks/simmons) | Investor Day set for 10 December 2026 ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day)) |
| Sep 17, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Vendor StrategyCorps buys AI-native Quantuma ([StrategyCorps (PR Newswire)](https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html)) |
| Sep 16, 2026 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | Commercial fraud guidance published ([FirstBank](https://www.firstbankonline.com/commercial-business-protection/)) |
| Aug 31, 2026 | [Commerce](https://www.bankingnewsai.com/banks/commerce) | Fraud guide says scammers use generative AI ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud)) |
| Aug 31, 2026 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | U.S. Bank hires from Bank OZK for its Sun Belt push ([American Banker](https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 6, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 2026 10-Q repeats the AI risk bullet ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm)) |
| Aug 5, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 2026 10-Q: AI references remain macro commentary ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm)) |
| Aug 5, 2026 | [Renasant](https://www.bankingnewsai.com/banks/renasant) | Q2 2026 10-Q repeats the two AI references ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-20260630.htm)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 29, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 call: FIS-supported platforms replace self-supported core ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |
| Jul 29, 2026 | [Prosperity](https://www.bankingnewsai.com/banks/prosperity) | Q2 call: Stellar savings of $80-85 million wait for a March 2027 conversion ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Jul 22, 2026 | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Gleason sizes the RESG and CIB books ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146)) |
| May 5, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | Security engineer on agentic-AI risk ([Trent AI (Business Wire)](https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era)) |
| Apr 8, 2026 | [Arvest](https://www.bankingnewsai.com/banks/arvest) | 20th among US banks on Forbes' World's Best Banks ([Arvest Bank](https://arvest.com/about/newsroom/arvest-ranked-top-20-on-forbes-worlds-best-banks-list)) |

## Who runs technology and data at Simmons and its Mid-South peers?

The named technology owner at each bank, as its own releases, filings or calls describe the role. None of the ten names a chief AI officer.

| Bank | Named technology owner | AI or data remit on the record | Source date |
| --- | --- | --- | --- |
| Simmons | CIO Ann Madea; CTO David Kennedy (hired May 2025); Chief Digital Officer Alex Carriles | First chief data officer Lisa Hunter built the Data Office from 2021 and is retiring | May 2025 to August 2026 ([Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Simmons Bank](https://newsroom.simmonsbank.com/2026-08-20-Lisa-Hunter-to-Retire-After-30-Years-at-Simmons-Bank)) |
| Arvest | CIO Jennifer Baker (from December 2025), ex-Synovus CTO | Cornell AI-strategy certification; newly designed role leading all technology teams | December 2025 ([Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer)) |
| Bank OZK | CIO Jason Cathey (since 2022, previously CISO) | Headcount raised in data, analytics, modeling and AI | February and April 2026 ([Bank OZK](https://ir.ozk.com/static-files/e0a9df34-ad64-4d55-9984-9a46e4a2f45f), [Bank OZK](https://ir.ozk.com/static-files/d5cdc305-00f7-40d6-9d1a-8bf668050073)) |
| Commerce | CIO David Roller fronts technology announcements | AI pillar in the enterprise data strategy | February 2026 ([Temenos](https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) |
| UMB | Uma Wilson, chief information, bank product and operations officer | Board Risk Committee oversees AI risk | September 2025; March 2026 ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm)) |
| Prosperity | CIO Gisela Riggan, reporting to the Director of Corporate Strategy | Board Strategic Technology Oversight Committee | February 2026 ([Prosperity Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1068851/000119312526077437/pb-20251231.htm)) |
| Trustmark | CIO Chris Davidson | Briefed the board on the bank's AI efforts on July 28, 2026 | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |
| Renasant | No CIO named in filings; director Gary Butler, CEO of an AI and data-analytics firm | Board technology committee remit includes AI implementation | March 2026 ([Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm)) |

## How do Simmons's platform investments compare with its peers' core and cloud work?

The main technology platform change each bank has disclosed since 2025.

| Bank | Platform move | When | Scale or result |
| --- | --- | --- | --- |
| Simmons | Better Bank automation, centralisation and standardisation; 26 branch closures to fund talent and technology | In the 'middle innings' January 2026; closures effective December 4, 2026 | 8.5% square-footage cut toward a 15% goal; $20-23 million pre-tax closure cost ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/news/simmons-first-national-q4-earnings-162726199.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-simmons-first-misses-q2-2026-estimates-as-stock-falls-93CH-4798518), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526381967/d489413d8k.htm)) |
| Prosperity | Real-time core (the 'DNA product', per the CEO) | February 17, 2026 | Post-weekend account update cut to about 1.5 hours ([Prosperity Bank](https://prosperitybankusa.com/system-upgrade), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/29/prosperity-pb-q1-2026-earnings-transcript), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html)) |
| Trustmark | FIS deposit, payments, teller and sales platform replacing a 45-year-old core | April 17-19, 2026 | 50-55 associates added for the conversion ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/trustmark-q2-earnings-call-highlights-180405319.html), [Trustmark](https://www.trustmark.com/landing/core-faqs)) |
| Arvest | Google Cloud migration; Thought Machine cloud-native core; Baker Hill UN/FY small-business lending | 2021 to 2027; UN/FY February 2026 | 40% of targeted applications migrated (April 2025) ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Arvest Bank (Business Wire via FinTech Futures)](https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform), [Baker Hill (PR Newswire)](https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/)) |
| Home BancShares | Legacy systems conversion; Mountain Commerce conversion due November 2026 | June 2026 | About $5.5-6 million of annual savings expected ([Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629)) |
| UMB | Heartland Financial systems conversion | October 2025 | ≈ $124 million of targeted cost savings; 193 branches in 13 states ([American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank)) |
| Bank OZK | Co-developing Fiserv agentOS AI agents | Announced May 14, 2026 | One of four banks named by Fiserv ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html)) |

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

Simmons First National Corporation is compared here with Home BancShares (Centennial Bank), Bank OZK, Arvest Bank, Commerce Bancshares, UMB Financial, Prosperity Bancshares, FB Financial Corporation (FirstBank), Renasant Corporation and Trustmark Corporation: chosen by the editors for this page (see the note below the table). Simmons First National Corporation is classed as a regional or retail-commercial bank in the Southwest.

The computed group mixed in Hawaii, California and New Jersey banks that do not compete in Simmons's markets; this group holds the banks of its six-state footprint (Arkansas, Kansas, Missouri, Oklahoma, Tennessee and Texas), eight of them from the 17-bank compensation peer group in Simmons's 2026 proxy, plus Arvest, the privately held Arkansas bank that serves four of the same states.

## Common questions

### Does Simmons Bank use AI?

It has not described an AI programme. Its one measured model-style system is an in-house mobile-deposit scoring algorithm built with Jack Henry, which cut fraud losses 96%; Jack Henry's case study does not say whether it uses machine learning. The 2025 10-K added an agentic-AI risk factor; the 2026 proxy does not mention AI. ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Jack Henry (PR Newswire)](https://prnewswire.com/news-releases/jack-henry-announces-2025-cobalt-award-winners-302546109.html), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm))

### Is Simmons better than Arvest at AI and technology?

The record cannot settle capability, but Arvest has put more on it: 37.2 on this site's index against Simmons's 3.6. Arvest describes a Google Cloud migration with AI tools, a Thought Machine core and a CIO with AI-strategy training; Simmons describes a CTO hire, a Data Office and a measured mobile-deposit fraud model. ([Arvest Bank](https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud), [Bank Automation News](https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/), [Arvest Bank](https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer), [Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Simmons Bank](https://newsroom.simmonsbank.com/2026-08-20-Lisa-Hunter-to-Retire-After-30-Years-at-Simmons-Bank), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring))

### How does Simmons compare with Home BancShares on technology?

Both have thin AI records: Simmons scores 3.6 and Home BancShares 3.5 on this site's index. Home's 10-Ks have repeated one generative-AI risk sentence since 2024 and it converted its legacy systems in June 2026; Simmons added an agentic-AI risk factor, a CTO and a Data Office. Home runs a far leaner bank, with a 40.46% adjusted efficiency ratio against Simmons's 54.26% in Q2 2026. ([Home BancShares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1331520/000133152026000051/homb-20251231.htm), [Investing.com (earnings call transcript)](https://www.investing.com/news/transcripts/earnings-call-transcript-home-bancshares-tops-q2-2026-forecasts-shares-rise-5-93CH-4796629), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html), [Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results))

### What has Simmons's new CEO said about technology?

Jay Brogdon, CEO since January 1, 2026, said in February 2026 that regulation and technology investment favour banks with scale. On the October 16, 2026 call he said savings from the branch closures would be reinvested partly in 'technology enablement' and that the bank is 'barely scratching the surface' of technology and automation opportunities. ([Simmons First National](https://newsroom.simmonsbank.com/2025-08-04-Simmons-First-National-Corporation-Announces-CEO-Retirement-and-Leadership-Transition), [Dallas Business Journal](https://bizjournals.com/dallas/news/2026/02/13/bank-leaders-north-texas-capital-talent.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/simmons-first-sfnc-q3-2026-171510762.html))

### How does Simmons's efficiency compare with its peers'?

Simmons's adjusted efficiency ratio was 54.26% in Q2 2026. Home BancShares reported 40.46% adjusted, Bank OZK 39.2%, Prosperity 45.99%, UMB 48.1% on an operating basis and Renasant 54.92% adjusted in the same quarter. Simmons says its position eliminations and real-estate cuts more than fund its investment in talent and technology. ([Simmons First National](https://newsroom.simmonsbank.com/2026-07-16-Simmons-First-National-Corporation-Reports-Second-Quarter-Results), [Home BancShares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html), [Bank OZK](https://ir.ozk.com/news-releases/news-release-details/bank-ozk-announces-second-quarter-2026-earnings), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607281605BIZWIRE_USPRX____20260728_BW374318-1), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000067/exhibit991_rnstx2q2026earn.htm), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/simmons-first-national-q2-earnings-140514870.html))

### Who leads technology and data at Simmons?

Chief Information Officer Ann Madea and Chief Technology Officer David Kennedy, hired in May 2025 to run technology delivery, innovation, infrastructure and cost reduction. Lisa Hunter, the first chief data officer, built the Data Office from 2021 and is retiring. Simmons has not named a head of AI; the board's IT Committee hears from the CISO and CIO. ([Simmons Bank](https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer), [Simmons Bank](https://newsroom.simmonsbank.com/2026-08-20-Lisa-Hunter-to-Retire-After-30-Years-at-Simmons-Bank), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm))

### How does Simmons compare with Renasant and Trustmark on AI?

All three have thin AI records: Simmons 3.6, Trustmark 18.7 and Renasant 2.4 on this site's index. Trustmark's CIO briefed its board on AI efforts in July 2026 after a core conversion, and Renasant's 2026 proxy adds AI implementation to its technology committee's remit. Simmons's 10-K names agentic AI as a risk but its proxy is silent on AI. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Renasant Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/715072/000071507226000030/rnst-20260316.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm))

### How does Simmons compare with Commerce and UMB on AI?

Both Kansas City banks have put more on the record: Commerce scores 34 on this site's index, with an AI pillar and roadmap in its 2025 annual report, and UMB 47.9, with board Risk Committee oversight of AI and a CEO who says machine learning is deployed across the bank. Simmons scores 3.6 and names no AI use case beyond its mobile-deposit scoring. ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring))

### How does Simmons fight fraud with technology?

Its documented tool is the mobile-deposit scoring algorithm built with Jack Henry, which evaluates every customer daily, recalculates limits monthly and sets holds; fraud losses fell 96% to under one basis point. Its 2026 10-Qs warn that cyber-attacks increasingly use generative AI and deepfakes. Arvest and Commerce publish customer guidance on AI-powered scams. ([Jack Henry](https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring), [Simmons First National (SEC filings)](https://www.sec.gov/Archives/edgar/data/90498/000162828026053273/sfnc-20260630.htm), [Arvest Bank](https://arvest.com/about/articles/risk-fraud-awareness/how-ai-is-powering-scams), [Commerce Bank](https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud))

### When will Simmons say more about its technology strategy?

At its Investor Day in New York on December 10, 2026, where Brogdon, CFO Daniel Hobbs and other executives will present strategic priorities. On the October 16 call management said it may reveal more there about its reinvestment plans and run-rate expenses. ([Simmons First National](https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/simmons-first-sfnc-q3-2026-171510762.html))

## Peers on this site

- [Home BancShares (Centennial Bank) AI strategy](https://www.bankingnewsai.com/banks/home-bancshares) · [vs peers](https://www.bankingnewsai.com/banks/home-bancshares/vs-peers)
- [Bank OZK AI strategy](https://www.bankingnewsai.com/banks/bank-ozk) · [vs peers](https://www.bankingnewsai.com/banks/bank-ozk/vs-peers)
- [Arvest Bank AI strategy](https://www.bankingnewsai.com/banks/arvest) · [vs peers](https://www.bankingnewsai.com/banks/arvest/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Prosperity Bancshares AI strategy](https://www.bankingnewsai.com/banks/prosperity) · [vs peers](https://www.bankingnewsai.com/banks/prosperity/vs-peers)
- [FB Financial Corporation (FirstBank) AI strategy](https://www.bankingnewsai.com/banks/fb-financial) · [vs peers](https://www.bankingnewsai.com/banks/fb-financial/vs-peers)
- [Renasant Corporation AI strategy](https://www.bankingnewsai.com/banks/renasant) · [vs peers](https://www.bankingnewsai.com/banks/renasant/vs-peers)
- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) · [vs peers](https://www.bankingnewsai.com/banks/trustmark/vs-peers)

## Sources

1. Simmons Bank hires David Kennedy as Chief Technology Officer — Simmons Bank, May 20, 2025. https://newsroom.simmonsbank.com/2025-05-20-Simmons-Bank-hires-David-Kennedy-as-Chief-Technology-Officer
2. Lisa Hunter to Retire After 30 Years at Simmons Bank — Simmons Bank, Aug 20, 2026. https://newsroom.simmonsbank.com/2026-08-20-Lisa-Hunter-to-Retire-After-30-Years-at-Simmons-Bank
3. Simmons First National Corporation Form 8-K, Item 2.05 (closure of 26 branches) — Simmons First National (SEC filings), Sep 3, 2026. https://www.sec.gov/Archives/edgar/data/90498/000119312526381967/d489413d8k.htm
4. Simmons Bank changes the game with mobile deposit scoring — Jack Henry, Sep 10, 2025. https://www.jackhenry.com/resources/case-study/simmons-bank-changes-game-with-mobile-deposit-scoring
5. Jack Henry Announces 2025 Cobalt Award Winners — Jack Henry (PR Newswire), Sep 10, 2025. https://prnewswire.com/news-releases/jack-henry-announces-2025-cobalt-award-winners-302546109.html
6. Simmons First National Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Simmons First National (SEC filings), Feb 25, 2026. https://www.sec.gov/Archives/edgar/data/90498/000162828026011618/sfnc-20251231.htm
7. Simmons First National Corporation 2026 Proxy Statement (Schedule 14A) — Simmons First National (SEC filings), Apr 8, 2026. https://www.sec.gov/Archives/edgar/data/90498/000119312526146412/d74667ddef14a.htm
8. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Oct 16, 2026. https://finance.yahoo.com/markets/stocks/articles/simmons-first-sfnc-q3-2026-171510762.html
9. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking — Fiserv (GlobeNewswire), May 14, 2026. https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html
10. 2025 Annual Report — Commerce Bancshares, Feb 24, 2026. https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf
11. Arvest Bank moves 40% of apps to cloud — Bank Automation News, Apr 4, 2025. https://bankautomationnews.com/allposts/cloud/arvest-bank-moves-40-of-apps-to-cloud/
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22. Commerce Bancshares, Inc. Investor Update, 4th Quarter 2025 — Commerce Bancshares, Feb 9, 2026. https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf
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24. System Upgrade — Prosperity Bank, Feb 17, 2026. https://prosperitybankusa.com/system-upgrade
25. TRMK Q2 Deep Dive: Loan Growth, Deposit Expansion, and Core System Upgrade Shape Outlook — StockStory (Yahoo Finance), Jul 30, 2026. https://finance.yahoo.com/news/trmk-q2-deep-dive-loan-151702996.html
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27. The Most Powerful Women to Watch, No. 15, Uma Wilson, UMB Bank — American Banker, Sep 24, 2025. https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank
28. UMB's post-acquisition systems conversion set for October — American Banker, Jul 30, 2025. https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october
29. AI POV: Impacts on the markets and what the future may hold — UMB Financial, Mar 2, 2026. https://blog.umb.com/economy-ai-impacts-on-the-markets/
30. Customer letter: real-time processing system upgrade — Prosperity Bank, Jan 9, 2026. https://www.prosperitybankusa.com/wp-content/uploads/2026/02/DNA-Core-Upgrade-4-page-letter.pdf
31. Prosperity Bancshares, Inc. Reports First Quarter 2026 Earnings — Prosperity Bancshares, Apr 29, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/06/Earnings-Release_Q1-2026_2.pdf
32. Second Quarter 2026 Investor Presentation — Prosperity Bancshares, Jul 28, 2026. https://prosperitybankusa.com/wp-content/uploads/2026/07/IP-2Q26-Final_51ca22.pdf
33. Prosperity to acquire rival Houston bank in $2 billion deal — American Banker, Jan 28, 2026. https://www.americanbanker.com/news/prosperity-to-acquire-rival-houston-bank-in-2-billion-deal
34. Prosperity Bancshares (PB) Q2 2026 Earnings Call — Yahoo Finance, Aug 7, 2026. https://finance.yahoo.com/markets/stocks/articles/prosperity-bancshares-pb-q2-2026-004414452.html
35. Arvest names new CIO, Chief Credit Administration Officer — Arvest Bank, Dec 3, 2025. https://arvest.com/about/newsroom/arvest-names-new-cio-chief-credit-administration-officer
36. Arvest Bank Deepens Three-Decade Partnership with Baker Hill, Upgrades to UN/FY Platform to Advance Small Business Lending — Baker Hill (PR Newswire), Feb 9, 2026. https://prnewswire.com/news-releases/arvest-bank-deepens-three-decade-partnership-with-baker-hill-upgrades-to-unfy-platform-to-advance-small-business-lending-302682843.html
37. Arvest Named One of America's Most Innovative Companies 2026 by Fortune — Arvest Bank, Mar 25, 2026. https://arvest.com/about/newsroom/arvest-named-one-of-americas-most-innovative-companies-2026-by-fortune
38. Arvest Bank Collaborates with Tech Leaders Thought Machine and Accenture for Next Generation Core Banking Platform — Arvest Bank (Business Wire via FinTech Futures), Sep 16, 2021. https://fintechfutures.com/press-releases/arvest-bank-collaborates-with-tech-leaders-thought-machine-and-accenture-for-next-generation-core-banking-platform
39. Arvest Bank launches real-time banking capabilities using Thought Machine core technology — Arvest Bank (PR Newswire), Feb 23, 2023. https://www.prnewswire.com/news-releases/arvest-bank-launches-real-time-banking-capabilities-using-thought-machine-core-technology-301754260.html
40. Arvest Bank Announces Collaboration with Google Cloud — Arvest Bank, Jul 25, 2022. https://arvest.com/about/newsroom/arvest-bank-announces-collaboration-with-google-cloud
41. Banking on a mission (AlloSource client story) — Commerce Bank, Aug 19, 2025. https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission
42. Iowa-based electrical contractor reduces payment processing time — Commerce Bank, Jan 17, 2025. https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time
43. How to stay safe from AI-powered fraud — Commerce Bank, Jul 19, 2024. https://commercebank.com/personal/ideas-and-tips/2024/how-to-stay-safe-from-ai-powered-fraud
44. Simmons Bank hires new leaders to boost organic growth — American Banker, Feb 2, 2026. https://americanbanker.com/news/simmons-bank-hires-new-leaders-to-boost-organic-growth
45. Home ends dry spell with $150M deal for Tennessee bank — American Banker, Dec 8, 2025. https://americanbanker.com/news/home-ends-dry-spell-with-150m-deal-for-tennessee-bank
46. Record Revenue and Successful Mountain Commerce Bancorp Acquisition Drive Strong Second Quarter Results for HOMB — Home BancShares (GlobeNewswire), Jul 15, 2026. https://globenewswire.com/news-release/2026/07/15/3328159/0/en/record-revenue-and-successful-mountain-commerce-bancorp-acquisition-drive-strong-second-quarter-results-for-homb.html
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63. Renasant Corporation Announces Earnings for the First Quarter of 2026 and an Increase in Its Quarterly Dividend — Renasant Corporation, Apr 28, 2026. https://investors.renasant.com/node/25476/pdf
64. Renasant Corporation Announces Earnings for the Second Quarter of 2026 — Renasant Corporation (GlobeNewswire), Jul 28, 2026. https://globenewswire.com/news-release/2026/07/28/3334764/0/en/Renasant-Corporation-Announces-Earnings-for-the-Second-Quarter-of-2026.html
65. Renasant (RNST) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 29, 2026. https://fool.com/earnings/call-transcripts/2026/04/29/renasant-rnst-q1-2026-earnings-transcript
66. Trustmark Corporation Announces Second Quarter 2026 Financial Results — Trustmark Corporation (Business Wire via Yahoo Finance), Jul 28, 2026. https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html
67. Trustmark promotes exec, setting him up as potential next CEO — American Banker, Mar 31, 2026. https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo
68. Trustmark Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — Trustmark Corporation (SEC filings), Feb 19, 2025. https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm
69. Simmons First (SFNC) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 16, 2026. https://fool.com/earnings/call-transcripts/2026/10/16/simmons-first-sfnc-q3-2026-earnings-call-transcript
70. Home BancShares (HOMB) Q3 2026 Earnings Call Transcript — earnings call transcript (The Motley Fool), Oct 15, 2026. https://www.fool.com/earnings/call-transcripts/2026/10/16/home-bancshares-homb-q3-2026-earnings-call-transcript
71. Home BancShares Reports Record Third Quarter Net Income, Bringing the Company Closer to a Half-Billion-Dollar Year — Home BancShares (GlobeNewswire), Oct 14, 2026. https://www.globenewswire.com/news-release/2026/10/14/3381186/6997/en/home-bancshares-reports-record-third-quarter-net-income-bringing-the-company-closer-to-a-half-billion-dollar-year.html
72. FB Financial (FBK) Q3 2026 Earnings Call Transcript — The Motley Fool (earnings call transcript), Oct 13, 2026. https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript
73. FB Financial Corporation Reports Third Quarter 2026 Financial Results (Exhibit 99.1) — FB Financial (SEC filings), Oct 13, 2026. https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/a3q26pressreleasetablesfor.htm
74. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
75. Simmons First National Corporation to Host Investor Day — Simmons First National, Sep 22, 2026. https://newsroom.simmonsbank.com/2026-09-22-Simmons-First-National-Corporation-to-Host-Investor-Day
76. StrategyCorps Acquires Quantuma, an AI-Native Relationship Solution for Commercial Banking — StrategyCorps (PR Newswire), Sep 17, 2026. https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html
77. Commercial Customer Business Protection — FirstBank, Sep 16, 2026. https://www.firstbankonline.com/commercial-business-protection/
78. Growing threats in commercial banking fraud — Commerce Bank, Aug 31, 2026. https://commercebank.com/business/trends-and-insights/2026/growing-threats-in-commercial-banking-fraud
79. U.S. Bank's business banking expansion targets the Sun Belt — American Banker, Aug 31, 2026. https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt
80. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead — CNBC, Aug 20, 2026. https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html
81. Prosperity Bancshares Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Prosperity Bancshares (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/1068851/000119312526338254/pb-20260630.htm
82. Trustmark Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Trustmark Corporation (SEC filings), Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm
83. Renasant Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Renasant Corporation (SEC filings), Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/715072/000071507226000072/rnst-20260630.htm
84. UMB Financial Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — UMB Financial (SEC filings), Jul 30, 2026. https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm
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86. Earnings call transcript: Bank OZK tops Q2 2026 estimates on margin gains — Investing.com, Jul 22, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bank-ozk-tops-q2-2026-estimates-on-margin-gains-93CH-4806146
87. Trent AI Announces AI Security Maturity Model for Agentic Era — Trent AI (Business Wire), May 5, 2026. https://www.businesswire.com/news/home/20260505309646/en/Trent-AI-Announces-AI-Security-Maturity-Model-for-Agentic-Era
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89. Top US Bank, Commerce Bank, goes live on the FedNow Service with Temenos — Temenos, May 15, 2024. https://temenos.com/press_release/top-us-bank-commerce-bank-goes-live-on-the-fednow-service-with-temenos
90. Simmons First National Q4 Earnings Call Highlights — MarketBeat via Yahoo Finance, Jan 21, 2026. https://finance.yahoo.com/news/simmons-first-national-q4-earnings-162726199.html
91. Earnings call transcript: Simmons First misses Q2 2026 estimates as stock falls — Investing.com, Jul 17, 2026. https://investing.com/news/transcripts/earnings-call-transcript-simmons-first-misses-q2-2026-estimates-as-stock-falls-93CH-4798518
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93. Banking Systems Update FAQs — Trustmark, Apr 17, 2026. https://www.trustmark.com/landing/core-faqs
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95. Simmons First National Corporation Announces CEO Retirement and Leadership Transition — Simmons First National, Aug 4, 2025. https://newsroom.simmonsbank.com/2025-08-04-Simmons-First-National-Corporation-Announces-CEO-Retirement-and-Leadership-Transition
96. Bank leaders say North Texas remains a magnet for capital and talent — Dallas Business Journal, Feb 13, 2026. https://bizjournals.com/dallas/news/2026/02/13/bank-leaders-north-texas-capital-talent.html
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102. How AI is powering scams — Arvest Bank, Dec 3, 2025. https://arvest.com/about/articles/risk-fraud-awareness/how-ai-is-powering-scams

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