# SouthState Bank vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/southstate/vs-peers
Last updated: Oct 19, 2026

*Part of the [SouthState Bank AI strategy profile](https://www.bankingnewsai.com/banks/southstate). Peer group: Pinnacle Financial Partners, First Horizon, Regions Financial, Atlantic Union Bankshares, Hancock Whitney, United Community Banks, Ameris Bancorp, Seacoast Banking Corporation of Florida.*

## How does SouthState Bank compare with its peers on AI and technology?

On this site's AI disclosure index SouthState scores 70.9 (#33 of 120 US banks), second in a nine-bank Southeast group behind Regions (83.8) and ahead of First Horizon (68.7) and Pinnacle (65.3). Its lead is internal adoption it has counted: at June 30, 2026 it reported 2,500+ premium Copilot users, 12K+ prompts a day, a GenAI Knowledge Assistant answering 1.1K+ questions a day and about 90% of credit spreads done by AI, while Pinnacle's CEO cited almost 20 AI engineers and 40 power users in July 2026. Its gap is the customer side. SouthState discloses no customer-facing AI assistant; its app offers chat and secure messaging, Zelle and mobile deposit, and a redesign went live on May 19, 2026. Regions, by contrast, rebuilt its app in-house in July 2025 and reports 2.7 million active mobile users. Against the large banks in its footprint the gap is one of scale: Bank of America says Erica helps more than 24.6 million clients and 60 million clients use its digital tools, Wells Fargo passed 1 billion Fargo interactions and 33 million mobile active users in March 2026, Truist Assist logged 12.5 million+ requests from 2023 to March 2026, and JPMorgan Chase counted 74.6 million active digital customers in 2025. SouthState's own 10-K says it may have fewer resources than many competitors to invest in technology. It competes on service instead: a J.D. Power Net Promoter Score of 49 against a top-quartile threshold of 46, and 29 Coalition Greenwich awards in February 2026. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [SouthState Bank](https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging), [SouthState Bank](https://www.southstatebank.com/personal/bank/online-and-mobile-banking), [SouthState Bank](https://southstatebank.com/global/online-mobile-banking-update), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [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), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [SouthState Bank via PR Newswire](https://www.prnewswire.com/news-releases/southstate-earns-2nd-highest-awards-for-best-bank-across-us-302685861.html))

## Where does SouthState lead its peers on AI?

- **More disclosed AI numbers than any bank in the group.** SouthState scores 20 on disclosed numbers, the most in its nine-bank group (median 14): 2,500+ premium and 2,200+ active basic Copilot users, 12K+ prompts a day, ~90% of credit spreads by AI and 80% of monthly code AI-assisted at June 30, 2026. First Horizon's profile records ChatFHN's time in production, about 15 months (June 2026), but no usage count. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking))
- **A busier internal assistant than Pinnacle's on the record.** SouthState's GenAI Knowledge Assistant, launched in early 2025, answers more than 1,100 policy and procedure questions a day (June 30, 2026). Pinnacle's ChatPFP, rolled out at Synovus about a year before April 2026, had answered 18,000 banker questions in total and saved over 3,000 hours by then. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript))
- **Copilot adoption measured against a benchmark.** SouthState's AI Enablement Manager put active use of premium Copilot licences at 95% in August 2026, against Microsoft's 85% benchmark, on about 200,000 prompts a month. Wells Fargo, a far larger bank, reported 92% active usage among more than 30,000 enabled Copilot employees in November 2025. ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/))
- **The widest described use-case list in the group.** SouthState's profile describes 20 AI use cases, 10 of them in production, the most described in the group; Regions describes 15, with 13 in production. SouthState's list runs from credit spreading and BSA sanctions review to call-center agent assist and factoring invoice review, which it says is 20% more accurate with 75% less employee time. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/southstate-bank-q2-earnings-call-170351838.html))

## Where does SouthState trail its peers on AI?

- **No customer-facing AI assistant while Regions and the large banks ship theirs.** SouthState's online banking offers Chat and Secure Messaging, and its June 2026 deck lists expanded call-center self-service only under experimentation. Regions launched personalized in-app insights in July 2026 for 2.7 million active mobile users; Truist Assist handled nearly 2 million requests in 2Q26 alone. ([SouthState Bank](https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm))
- **Less independent coverage than Regions and First Horizon.** SouthState scores 12 on independent sources, third in the group behind Regions (22) and First Horizon (17); its AI record leans on its own podcast, decks and filings. Regions' record includes trade-press coverage of its in-house app rebuild and its accelerated plan for 150 new branches in Florida, Georgia and Tennessee. ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/))
- **No named head of AI, unlike Pinnacle.** SouthState's 2025 10-K and 2026 proxy name no chief AI, data or information officer; adoption is run by an AI Enablement Manager. Pinnacle names a head of AI, Kevin Johnson, and its CEO said in July 2026 that the bank employs almost 20 AI engineers. SouthState places 4th of 9 on named AI leaders. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [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))
- **No digital-user count to set beside the big banks'.** SouthState reports 1.4 million deposit accounts (June 30, 2026) but no active digital or mobile user figure. Truist reports 5.4 million active mobile users and about 85% of logins on mobile (2Q26); JPMorgan Chase reports 61.7 million active mobile customers for 2025. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html), [PYMNTS](https://www.pymnts.com/earnings/2026/truist-bets-digital-engagement-deepens-banking-ties/), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm))

## Where does SouthState 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | [83.8](https://www.bankingnewsai.com/banks/ai-index) | #15 of 120 | [22](https://www.bankingnewsai.com/banks/regions#sources) | [18](https://www.bankingnewsai.com/banks/regions#sources) | [13 of 15](https://www.bankingnewsai.com/banks/regions#where) | [25](https://www.bankingnewsai.com/banks/regions#timeline) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) |
| [SouthState Bank (this page)](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)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [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)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | [53.7](https://www.bankingnewsai.com/banks/ai-index) | #52 of 120 | [10](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [14](https://www.bankingnewsai.com/banks/atlantic-union#sources) | [5 of 12](https://www.bankingnewsai.com/banks/atlantic-union#where) | [19](https://www.bankingnewsai.com/banks/atlantic-union#timeline) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) |
| [Seacoast Banking Corporation of Florida](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)) |
| [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 SouthState ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of SouthState and the 8 peers that are scored on the same basis. "Place" is SouthState's position in the group of 9 (1st = most).

| Component (weight) | SouthState | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 12 | 7 | [Regions (22)](https://www.bankingnewsai.com/banks/regions) | 3rd of 9 |
| Use cases in production (10%) | 10 | 8.5 | [Regions (13)](https://www.bankingnewsai.com/banks/regions) | 2nd of 9 |
| Own primary disclosures (10%) | 16 | 18 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 7th of 9 |
| Dated moves, last 12 months (10%) | 20 | 20 | [Regions (25)](https://www.bankingnewsai.com/banks/regions) | 5th of 9 |
| Disclosed numbers (5%) | 20 | 14 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 1st of 9 |
| Named AI leaders (5%) | 10 | 9.5 | [Regions (14)](https://www.bankingnewsai.com/banks/regions) | 4th of 9 |
| Use cases described (5%) | 20 | 12 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 1st of 9 |

## What has each bank in SouthState'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 |
| --- | --- | --- | --- | --- | --- |
| [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) |
| [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 |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms on a modernised stack ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | [14, incl. John Turner (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/regions#people) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [American Banker](https://www.americanbanker.com/news/regions-says-it-will-upgrade-core-deposit-platform-in-2027)) | New business opportunities generated by AI-driven platforms: 35% (Jan 16, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000006/rf-20251231xexhibit993.htm)) | 1 patent listed on the profile, e.g. US 11,861,690 B2 (Method and system for transferring funds) ([Google Patents (USPTO)](https://patents.google.com/patent/US11861690B2/en)) | [3 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/regions#roles) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [8, incl. John Asbury (President and CEO)](https://www.bankingnewsai.com/banks/atlantic-union#people) ([Atlantic Union Bankshares](https://investors.atlanticunionbank.com/news-events/press-releases/detail/222/atlantic-union-bankshares-reports-second-quarter-financial), [American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [ABA Banking Journal](https://bankingjournal.aba.com/2025/10/asbury-energized-to-keep-fighting-for-banking-industry/)) | Share of calls reviewed: manual today versus planned AI screening: ≈ 10% to 100% (Jun 1, 2026) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/atlantic-union#roles) |
| [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 |
| [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 |
| [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) |
| [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 |

## What are the latest dated moves on the AI record of SouthState 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 6, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| 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 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| 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 16, 2026 | [Regions](https://www.bankingnewsai.com/banks/regions) | Temenos publishes Regions case study ([Temenos](https://temenos.com/success-story/regions-bank)) |
| 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 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| Aug 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)) |
| 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)) |
| 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 21, 2026 | [Atlantic Union](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter call: efficiency ratio 47.47%, ten North Carolina branches ([Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697)) |

## How do SouthState's digital services compare with the large banks?

What each bank has disclosed about its customer assistant, digital reach, app and employee AI, with the date of the figure. Bank of America, JPMorgan Chase, Wells Fargo and Truist all operate in SouthState's footprint; a blank means nothing is disclosed, not that nothing exists.

| Bank | Customer AI assistant | Digital and mobile users | App and digital features | Employee AI tools |
| --- | --- | --- | --- | --- |
| SouthState | None disclosed. Online banking offers Chat and Secure Messaging; expanded self-service in the call center is listed under experimentation (June 30, 2026) | Not disclosed; 1.4 million deposit accounts (June 30, 2026) | Online and Mobile Banking redesign from May 19, 2026 with smart search and account tags; Zelle, mobile deposit, digital wallet, linked outside accounts; a new website with homepage search due November 2026 | 2,500+ premium and 2,200+ active basic Copilot users; 12K+ prompts a day; GenAI Knowledge Assistant at 1.1K+ questions a day (June 30, 2026) ([SouthState Bank](https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Bank](https://southstatebank.com/global/online-mobile-banking-update), [SouthState Bank](https://www.southstatebank.com/personal/bank/online-and-mobile-banking), [SouthState Bank](https://southstatebank.com/global/about/stories-and-insights/enhanced-website-coming-soon)) |
| Bank of America | Erica, launched 2018: helps more than 24.6 million clients; 3.6 billion interactions since launch | 60 million clients use its digital capabilities; 94% of client interactions are digital | 30 billion digital client connections in a year, up 14%; 3,500 financial centers and about 15,000 ATMs | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Bank of America (SEC filings)](https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm)) |
| JPMorgan Chase | No consumer assistant launched; a consumer travel agent is targeted for pilot before the end of 2026 | 74.6 million active digital and 61.7 million active mobile customers (2025) | 5,083 branches (2025); an AI cash tool, Smart Cash, in a targeted pilot as of October 13, 2026 | LLM Suite: 150,000 weekly users (February 2026) ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |
| Wells Fargo | Fargo: more than 1 billion interactions in under three years; 3 million Spanish-speaking customers have used it more than 160 million times (March 2026) | More than 33 million mobile active users (February 2026) | Fargo handles bill pay, transfers and transaction lookups | Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [VentureBeat](https://venturebeat.com/business/wells-fargos-ai-assistant-just-crossed-245-million-interactions-with-zero-humans-in-the-loop-and-zero-pii-to-the-llm), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/)) |
| Truist | Truist Assist: 12.5 million+ requests from 2023 to March 2026, 9 million+ handled end to end by AI; nearly 2 million in 2Q26 | 5.4 million active mobile users; about 85% of client logins on mobile (2Q26) | Truist Insights: 167 million personalized insights in 2Q26 | AI Call Summaries: 4.5 million+ summaries (September 2026) ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html), [PYMNTS](https://www.pymnts.com/earnings/2026/truist-bets-digital-engagement-deepens-banking-ties/), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions)) |

## How do SouthState's customer apps compare with its Southeast peers'?

The latest customer-facing digital move each bank has disclosed, and any scale figure attached to it.

| Bank | Digital move | When | Scale disclosed |
| --- | --- | --- | --- |
| SouthState | Redesigned Online and Mobile Banking (smart search, account tagging, financial tools); a new AI-ready website with enhanced search-engine optimization; an enhanced public website | May 19, 2026; June 30, 2026 deck; new website due November 2026 | 1.4 million deposit accounts ([SouthState Bank](https://southstatebank.com/global/online-mobile-banking-update), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Bank](https://southstatebank.com/global/about/stories-and-insights/enhanced-website-coming-soon)) |
| Regions | In-house native mobile app, then personalized insights on spending, subscriptions and cash flow | July 2025; July 2026 | 2.7 million active mobile users; digital 80% of transactions ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) |
| Hancock Whitney | New mobile app built with MX, rated sixth best among banks and credit unions per an MX session description | June 2026 | 80% of new checking accounts digitally active (Q4 2025) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/20/hancock-whitney-hwc-q4-2025-earnings-transcript)) |
| Pinnacle | A new banking app at the Synovus systems conversion | March 2027 | More than 200,000 customers moving ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| First Horizon | A proprietary customer-facing digital banking platform under construction | September 2025 | Not disclosed ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| Seacoast | Quavo agentic-AI dispute management with AI fraud detection | December 2025 | Not disclosed ([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)) |

## How does SouthState's employee AI compare with its Southeast peers'?

Internal assistants and tools with the usage each bank has put on the record.

| Bank | Assistant or tool | Usage disclosed | Date |
| --- | --- | --- | --- |
| SouthState | Microsoft Copilot and the GenAI Knowledge Assistant | 2,500+ premium Copilot users; 12K+ prompts a day; 1.1K+ assistant questions a day; 95% active use of premium licences | June 30 and August 3, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear)) |
| Pinnacle | ChatPFP and an AI engineering team | 18,000 banker questions answered, 3,000+ hours saved; almost 20 AI engineers and 40 power users | April and July 2026 ([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)) |
| First Horizon | ChatFHN | About 15 months in production; in every employee's hands | June and September 2026 ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |
| Regions | GitHub Copilot | About 80% of developers, with an approximately 30% lift in code development | September 2026 ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/regions-financial-eyes-150-branches-120202785.html)) |
| United Community | Vendor-delivered AI in fraud and the contact center | Fraud losses down 50% over two years, partly thanks to vendors' AI | April 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |

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

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

The computed group mixed in banks from Puerto Rico, New Jersey, the Pacific Northwest and the Midwest; this group holds the regional banks that operate in SouthState's eight-state branch footprint across the Southeast, and three of them (Regions, First Horizon and Pinnacle) also sit in SouthState's own 2026 proxy compensation peer group, while the national banks it competes with are compared in a separate table below.

## Common questions

### Does SouthState have an AI virtual assistant like Erica or Fargo?

Not one it has disclosed. SouthState's online banking offers Chat and Secure Messaging, and its June 2026 earnings deck lists expanded self-service in the call center under experimentation. Bank of America says Erica helps more than 24.6 million clients, and Wells Fargo says Fargo passed 1 billion interactions in March 2026. ([SouthState Bank](https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [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))

### How do SouthState's digital services compare with Bank of America, Chase, Wells Fargo and Truist?

SouthState offers the core features (Zelle, mobile deposit, digital wallet, linked outside accounts, chat and secure messaging) and redesigned its online and mobile banking on May 19, 2026, but discloses no digital-user count or customer AI assistant. The large banks report scale: 60 million digital clients at Bank of America, 74.6 million active digital customers at Chase (2025), 33 million mobile active users at Wells Fargo and 5.4 million at Truist. ([SouthState Bank](https://www.southstatebank.com/personal/bank/online-and-mobile-banking), [SouthState Bank](https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging), [SouthState Bank](https://southstatebank.com/global/online-mobile-banking-update), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html))

### Is SouthState better than Regions at AI?

The record cannot settle capability, but Regions has put more on it: 83.8 on this site's disclosure index against SouthState's 70.9. Regions leads on independent coverage and customer-facing work, such as in-app insights for 2.7 million active mobile users. SouthState discloses more internal numbers, such as 12K+ AI prompts a day and about 90% of credit spreads done by AI. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))

### How does SouthState's Microsoft Copilot rollout compare with other banks?

SouthState reported 2,500+ premium and 2,200+ active basic Copilot users at June 30, 2026, and its AI Enablement Manager put active use at 95% against Microsoft's 85% benchmark. Wells Fargo reported more than 30,000 Copilot users at 92% active usage in November 2025. Bank of America counts about 200,000 active users of general-purpose AI tools. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/), [Bank of America (SEC filings)](https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm))

### How does SouthState compare with Pinnacle and Synovus on AI?

SouthState scores 70.9 on this site's disclosure index and Pinnacle 65.3. Pinnacle, which merged with Synovus on January 1, 2026, names a head of AI and almost 20 AI engineers, and its ChatPFP assistant had answered 18,000 questions by April 2026. SouthState names no AI chief but reports its GenAI Knowledge Assistant answering 1,100-plus questions a day. ([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), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

### How does SouthState's technology spending compare with the large banks?

SouthState does not disclose a technology budget; its CEO said in January 2026 that AI, a commercial loan servicing platform and an FX platform are inside its expense guidance, and its 10-K says it may have fewer resources than many competitors to invest in technology. JPMorgan Chase guided about $19.8 billion of 2026 technology expense, Bank of America $13.5 billion a year and Wells Fargo more than $10 billion. ([GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/southstate-bank-corp-ssb-q4-210102699.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.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), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-11-bridget-engle-wells-fargo))

### What does SouthState lead on if not digital scale?

Client ratings and relationship banking. Its 2026 deck reports a J.D. Power Net Promoter Score of 49 against a top-quartile threshold of 46 among the 50 largest US banks, and a Coalition Greenwich commercial score of 64 against 60. In February 2026 it reported 29 Coalition Greenwich awards, the second-highest number in the US for middle-market and small-business banking. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Bank via PR Newswire](https://www.prnewswire.com/news-releases/southstate-earns-2nd-highest-awards-for-best-bank-across-us-302685861.html))

## Peers on this site

- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/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)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)

## Sources

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