# UMB Financial vs peers: AI and technology compared

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

*Part of the [UMB Financial AI strategy profile](https://www.bankingnewsai.com/banks/umb). Peer group: BOK Financial Corporation, Commerce Bancshares, Cullen/Frost Bankers, Wintrust Financial Corporation, Old National Bancorp, Zions Bancorporation, Associated Banc-Corp, Central Bancompany.*

## How does UMB Financial compare with its peers on AI and technology?

On this site's AI disclosure index UMB scores 47.9 (#61 of 120 US banks), fifth in a nine-bank group. It trails Old National (66), Zions (59.6), Associated (56.8) and Cullen/Frost (49.3), and leads BOK Financial (41.8), Wintrust (38.1), its Kansas City rival Commerce (34) and Central Bancompany (24.7). UMB spent 2025 on integration rather than AI. It converted Heartland Financial's banks onto its platforms in October 2025, after a deal that took it from eight to 13 states and from 93 to 193 branches, and it targeted about $124 million of cost savings. Its AI disclosure grew from one mention in the 2024 10-K to seven in the 2025 10-K, which puts AI under a Technology, Operations, Privacy and Security committee, and its 2026 proxy gives the board Risk Committee oversight of AI. But only one of its four earnings calls from Q3 2025 to Q2 2026 discussed AI. On that call, in April 2026, the CEO called the term overused and said machine learning is being deployed across the whole organization, without naming a use case or a figure. Peers have put more on the record. Old National reports a vendor-measured 31% loan-review efficiency gain, Zions 56% of staff on generative AI, and Commerce an AI pillar in its enterprise data strategy. UMB's distinctive technology sits in institutional banking: its fund-services arm joined two distributed-ledger networks in June 2026, and its custody assets passed $250 billion. ([Business Wire via Yahoo Finance](https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html), [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 (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000095017025028420/umbf-20241231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [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), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1), [PR Newswire via Yahoo Finance](https://finance.yahoo.com/technology/ai/articles/corastone-brings-permissioned-blockchain-technology-135600918.html), [UMB Financial](https://blog.umb.com/institutional-banking-reflecting-on-institutional-custodys-growth/))

## Where does UMB lead its peers on AI?

- **More use cases in production than most of the group.** UMB's profile records 9 AI use cases in production, 3rd of 9 behind Old National's 10 and Zions' 10, and its CEO said in April 2026 that machine learning is being deployed across the whole organization. BOK Financial and Associated each record 4 in production. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm))
- **AI written into its risk structure.** UMB's 2025 10-K names AI seven times, up from once, and puts emerging technology including AI under a management committee co-chaired by its CISO and its chief information, bank product and operations officer; the 2026 proxy gives the board Risk Committee AI oversight. Commerce's first AI mention in a filing came only in its 2025 10-K. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000095017025028420/umbf-20241231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [Commerce Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/22356/000002235625000016/cbsh-20241231.htm))
- **Distributed-ledger fund administration ahead of regional peers.** UMB Fund Services connected to iCapital's network and to Corastone's permissioned network in June 2026, as transfer agent and fund administrator, to cut manual onboarding and reconciliation. No other regional bank in the group describes a comparable fund-services move; the closest are the custody giants, such as State Street's tokenized fund servicing. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1), [PR Newswire via Yahoo Finance](https://finance.yahoo.com/technology/ai/articles/corastone-brings-permissioned-blockchain-technology-135600918.html), [Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604280800BIZWIRE_USPRX____20260428_BW355626-1))

## Where does UMB trail its peers on AI?

- **AI barely discussed with investors.** Only one of UMB's four earnings calls from Q3 2025 to Q2 2026 discussed AI, and its Q1 and Q2 2026 10-Qs contain no reference to it. Old National's CEO discussed AI on calls and at a March 2026 conference, and Associated's CEO cited 30 AI use cases at the September 2026 Barclays conference. ([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), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm), [Investing.com](https://investing.com/news/transcripts/old-national-at-rbc-conference-strategic-growth-and-optimism-93CH-4553432), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556))
- **No AI figure to set beside its peers'.** UMB places 7th of 9 on disclosed numbers (11 against a median of 14). Old National reports a vendor-measured 31% gain in loan-review efficiency, Zions 56% of staff on generative AI, and Frost a digital account-opening completion rate up from 50% to 80%. ([Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1))
- **No named AI platform or AI leader.** UMB names no AI platform or head of AI; AI sits with its chief information, bank product and operations officer, Uma Wilson. Associated hired a senior director of AI for corporate and commercial banking in June 2026, and Zions' CIO is building an enterprise platform on Google Gemini. ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins))
- **No customer-facing AI disclosed.** UMB discloses no customer AI assistant. Frost's August 2026 deck credits a contact-center copilot and enhanced customer chat for call-center gains, and Commerce reports 82% digital penetration and a 4.7 app rating. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf))

## Where does UMB 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | [49.3](https://www.bankingnewsai.com/banks/ai-index) | #58 of 120 | [7](https://www.bankingnewsai.com/banks/frost#sources) | [15](https://www.bankingnewsai.com/banks/frost#sources) | [7 of 9](https://www.bankingnewsai.com/banks/frost#where) | [17](https://www.bankingnewsai.com/banks/frost#timeline) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |
| [UMB Financial (this page)](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/)) |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | [41.8](https://www.bankingnewsai.com/banks/ai-index) | #69 of 120 | [9](https://www.bankingnewsai.com/banks/bok-financial#sources) | [18](https://www.bankingnewsai.com/banks/bok-financial#sources) | [4 of 6](https://www.bankingnewsai.com/banks/bok-financial#where) | [20](https://www.bankingnewsai.com/banks/bok-financial#timeline) | Not disclosed |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | [38.1](https://www.bankingnewsai.com/banks/ai-index) | #76 of 120 | [8](https://www.bankingnewsai.com/banks/wintrust#sources) | [16](https://www.bankingnewsai.com/banks/wintrust#sources) | [7 of 9](https://www.bankingnewsai.com/banks/wintrust#where) | [16](https://www.bankingnewsai.com/banks/wintrust#timeline) | Not disclosed |
| [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)) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | [24.7](https://www.bankingnewsai.com/banks/ai-index) | #95 of 120 | [2](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [11](https://www.bankingnewsai.com/banks/central-bancompany#sources) | [8 of 11](https://www.bankingnewsai.com/banks/central-bancompany#where) | [13](https://www.bankingnewsai.com/banks/central-bancompany#timeline) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) |

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

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

| Component (weight) | UMB | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 8.5 | [Zions (11)](https://www.bankingnewsai.com/banks/zions) | 6th of 9 |
| Use cases in production (10%) | 9 | 7 | [Old National (10)](https://www.bankingnewsai.com/banks/old-national) | 3rd of 9 |
| Own primary disclosures (10%) | 14 | 17 | [Old National (22)](https://www.bankingnewsai.com/banks/old-national) | 7th of 9 |
| Dated moves, last 12 months (10%) | 16 | 16.5 | [BOK Financial (20)](https://www.bankingnewsai.com/banks/bok-financial) | 5th of 9 |
| Disclosed numbers (5%) | 12 | 14.5 | [Frost (16)](https://www.bankingnewsai.com/banks/frost) | 6th of 9 |
| Named AI leaders (5%) | 11 | 10.5 | [Frost (12)](https://www.bankingnewsai.com/banks/frost) | 4th of 9 |
| Use cases described (5%) | 10 | 10.5 | [Zions (16)](https://www.bankingnewsai.com/banks/zions) | 5th of 9 |

## What has each bank in UMB'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 |
| --- | --- | --- | --- | --- | --- |
| [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 |
| [BOK Financial Corporation](https://www.bankingnewsai.com/banks/bok-financial) | Not disclosed | [9, incl. Stacy Kymes (President and CEO)](https://www.bankingnewsai.com/banks/bok-financial#people) ([American Banker](https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026), [CNBC](https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html)) | Earnings calls with an AI remark, Q3 2025 to Q2 2026: 0 of 4 (Jul 21, 2026) ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980)) | Not disclosed | [3 open AI roles (Oct 13, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/bok-financial#roles) |
| [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 |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Frost mobile app and Blend digital origination ([Banking Dive](https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1), [Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) | [12, incl. Phil Green (Chairman and CEO, Cullen/Frost Bankers)](https://www.bankingnewsai.com/banks/frost#people) ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/)) | Digital account-opening completion rate: 50% → 80% (Aug 18, 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | 2 patents listed on the profile, e.g. US 2017/0316393 A1 (Linking financial accounts to a subscription service and waiving select fees) ([Google Patents (USPTO)](https://patents.google.com/patent/US20170316393A1/en)) | [2 open AI roles (Oct 1, 2026); most in AI security](https://www.bankingnewsai.com/banks/frost#roles) |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [10, incl. Tim Crane (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/wintrust#people) ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html)) | Wintrust Specialty Finance originations, first half 2026 (with AI credit adjudication): More than 4,000 deals, roughly $500 million; team of 34 (Jun 30, 2026) ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | Not disclosed | [1 open AI roles (Oct 5, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/wintrust#roles) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#roles) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |
| [Central Bancompany](https://www.bankingnewsai.com/banks/central-bancompany) | In-house technology division and core modernisation programme ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm), [Central Bank](https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/), [Central Bank](https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/), [Personetics (PR Newswire)](https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html), [Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | [6, incl. John 'JR' Ross (President and CEO)](https://www.bankingnewsai.com/banks/central-bancompany#people) ([Central Bancompany (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html)) | Personetics insights: digital engagement / click-through (vendor-reported): 29% / 22.9%; 32.5 million insights delivered; bank NPS 70.6 (Apr 16, 2026) ([Personetics](https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of UMB 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 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 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 8, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| 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 27, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| Aug 26, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Wintrust insurance banking note: automated credit assessments, AI governance watch ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/08/insurance-banking-rundown.html)) |
| Aug 20, 2026 | [Frost](https://www.bankingnewsai.com/banks/frost) | Blend reports agentic Autopilot results across lenders ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1)) |
| 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 17, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | 18th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: AI-related fraud and cyber risks monitored ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 14, 2026 | [Central Bank](https://www.bankingnewsai.com/banks/central-bancompany) | Q2 2026 10-Q: $12 million of core modernisation capitalised ([Central Bancompany (SEC filings)](https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm)) |
| Aug 13, 2026 | [BOK Financial](https://www.bankingnewsai.com/banks/bok-financial) | Vanilla case study: AI trust-document review ([Vanilla (vendor case study)](https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| 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 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |

## How does UMB's AI disclosure compare with its peers'?

How each bank's latest annual report, proxy or investor materials treat AI. For most banks this size, filings are where AI shows up first.

| Bank | What it discloses | Where | Date |
| --- | --- | --- | --- |
| UMB | AI named seven times (one a year earlier); AI under the TOPS committee; board Risk Committee oversight; no AI in Q1 and Q2 2026 10-Qs | 2025 10-K; 2026 proxy; 10-Qs | February to July 2026 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000095017025028420/umbf-20241231.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526194310/umbf-20260331.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Old National | AI risk factor covering 'digital employees and digital engineers'; an AI Center of Excellence | 2025 10-K; CIO article | February and May 2026 ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm), [Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments)) |
| Zions | No fully autonomous AI in critical or client-facing decisions; a Data and AI Governance Committee | 2025 10-K | February 2026 ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm)) |
| Commerce | An AI pillar within its enterprise data strategy and a comprehensive AI roadmap | 2025 annual report | 2026 ([Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf)) |
| Wintrust | May selectively incorporate AI; policies govern AI applications on its network | 2025 10-K | February 2026 ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm)) |

## How does UMB's technology program compare with its peers'?

The large technology programs each bank has disclosed. For UMB and Old National, the last two years were about absorbing acquisitions.

| Bank | Program | Status | Date |
| --- | --- | --- | --- |
| UMB | Heartland systems and brand conversion: 192 branches and 347 ATMs on UMB platforms; about $124 million of cost savings targeted | Complete | October 2025 ([Business Wire via Yahoo Finance](https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) |
| Old National | Bremer systems conversion; 100% of $111 million of annual cost saves realized | Complete | October 2025; April 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-old-national-bancorp-beats-q3-2025-forecasts-93CH-4302279), [Earnings call transcript (The Motley Fool)](https://www.fool.com/earnings/call-transcripts/2026/04/22/old-national-onb-q1-2026-earnings-transcript/)) |
| Commerce | Core banking implementation and modernization of lending and payments applications | In progress | February 2026 ([Commerce Bancshares](https://investor.commercebank.com/files/doc_financials/2025/q4/CBSH-Q4-2025-Investor-Update.pdf)) |
| Zions | TCS BaNCS loan and deposit core | Complete | July 2024 ([American Banker](https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade)) |
| Cullen/Frost | 66% of tier-one capabilities modernized, 40% in the cloud | In progress | August 2026 ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm)) |

## How does UMB's institutional technology compare with the custody banks'?

UMB's institutional banking competes with far larger custody and fund-administration banks. Scale and the latest technology move, as each discloses.

| Bank | Assets under custody or administration | Technology move | Date |
| --- | --- | --- | --- |
| UMB | Custody assets passed $250 billion | UMB Fund Services on iCapital's and Corastone's distributed-ledger networks | June and July 2026 ([UMB Financial](https://blog.umb.com/institutional-banking-reflecting-on-institutional-custodys-growth/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1), [PR Newswire via Yahoo Finance](https://finance.yahoo.com/technology/ai/articles/corastone-brings-permissioned-blockchain-technology-135600918.html)) |
| State Street | $53.8 trillion | Tokenized fund servicing from Luxembourg by end-2026 | December 2025; April 2026 ([Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603230830BIZWIRE_USPRX____20260323_BW043243-1), [Business Wire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604280800BIZWIRE_USPRX____20260428_BW355626-1)) |
| BNY | $59.4 trillion | Eliza AI platform; about $4 billion a year on technology | April and June 2026 ([Reuters](https://www.reuters.com/business/finance/bnys-profit-rises-strong-fees-interest-income-growth-2026-04-16/), [Fortune](https://fortune.com/2024/08/15/exclusive-how-bnys-new-ai-tool-eliza-is-minting-an-army-of-disposable-assistants-that-could-save-billions-in-labor-costs/), [Financial Advisor Magazine](https://fa-mag.com/news/bny-takes-aim-at-schwab--fidelity-with-ai-powered-wealth-push-87284.html)) |
| Northern Trust | $18.25 trillion | NT Adaptive Equity funds using natural-language processing | October 2025; June 2026 ([Reuters](https://reuters.com/business/finance/northern-trust-profit-beats-estimates-higher-fees-interest-2025-10-22), [Northern Trust Asset Management (Business Wire)](https://businesswire.com/news/home/20260603817494/en/Northern-Trust-Asset-Management-Announces-Adaptive-Equity-Funds)) |

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

UMB Financial is compared here with BOK Financial Corporation, Commerce Bancshares, Cullen/Frost Bankers, Wintrust Financial Corporation, Old National Bancorp, Zions Bancorporation, Associated Banc-Corp and Central Bancompany: chosen by the editors for this page (see the note below the table). UMB Financial is classed as a regional or retail-commercial bank in the Midwest.

The computed group mixed in Puerto Rico's Popular, New Jersey's Valley, California's East West and Southeastern SouthState; this group pairs UMB with its Kansas City and Missouri rivals (Commerce and Central Bancompany), with BOK Financial, the regional most like it in trust and institutional services, and with the Midwest, Texas and Western members of its own 2026 proxy peer group (BOK Financial, Cullen/Frost, Wintrust, Old National and Zions), plus Associated.

## Common questions

### Is UMB better than Commerce Bancshares at AI?

UMB has put more on the record: 47.9 on this site's disclosure index against Commerce's 34. UMB's 10-K names AI seven times and its CEO says machine learning is deployed across the organization. Commerce's 2025 annual report describes an AI pillar in its data strategy, and it sells AI-based receivables automation to commercial clients. ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Commerce Bancshares](https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf), [Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/iowa-based-electrical-contractor-reduces-payment-processing-time))

### Does UMB use AI?

UMB's CEO said in April 2026 that machine learning is being deployed across the whole organization, while calling the term AI overused. The bank has not named a platform, use case or figure. Its 2025 10-K governs AI through a management committee and flags privacy and third-party risks from AI. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm))

### How does UMB compare with BOK Financial on AI and technology?

UMB scores 47.9 on this site's disclosure index and BOK Financial 41.8. Both run trust and institutional businesses beside commercial banking. BOK's chief data and analytics officer speaks publicly on AI and data governance; UMB's institutional arm is moving fund administration onto distributed-ledger networks. ([American Banker](https://digital-banking.americanbanker.com/profile/shanthi-pudota), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1), [PR Newswire via Yahoo Finance](https://finance.yahoo.com/technology/ai/articles/corastone-brings-permissioned-blockchain-technology-135600918.html))

### How does UMB compare with Old National on AI?

Old National scores 66 on this site's disclosure index against UMB's 47.9. Both spent 2025 converting a large acquisition. Old National has since disclosed an AI Center of Excellence and a vendor-measured 31% loan-review efficiency gain; UMB has disclosed governance but no AI figure. ([Old National Bank](https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm))

### How efficient is UMB compared with its peers?

UMB reported an operating efficiency ratio of 48.1% in the second quarter of 2026, against 51.5% a year earlier, after realizing Heartland savings. Old National reported a 45.2% adjusted efficiency ratio for the same quarter. Neither attributes a specific share of the improvement to AI. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607281605BIZWIRE_USPRX____20260728_BW374318-1), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html))

### Who runs technology at UMB?

Uma Wilson, chief information, bank product and operations officer, leads technology; American Banker recognized her in September 2025 for the Heartland product and systems review. AI risk sits with a committee she co-chairs with the CISO and chief privacy officer, Justin Rainey. ([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/101382/000119312526076496/umbf-20251231.htm), [UMB Financial](https://blog.umb.com/inside-umb-meet-our-leaders-justin-rainey))

### How does UMB compare with Zions on AI?

Zions scores 59.6 on this site's disclosure index and UMB 47.9. Zions reports 56% of staff on generative AI, AI in AML alert review and credit review, and an enterprise AI platform on Google Gemini. UMB's CEO describes machine learning across the organization but has not named a use case or platform. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/zions-zion-q2-2025-earnings-call-transcript), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html))

### How does UMB compare with Cullen/Frost on technology?

Frost scores 49.3 on this site's disclosure index, close to UMB's 47.9. Frost reports 66% of tier-one capabilities modernized and 40% in the cloud, a contact-center copilot and Blend account opening with completion rates up from 50% to 80%. UMB's comparable program was the Heartland systems conversion completed in October 2025. ([Cullen/Frost Bankers (SEC filings)](https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1), [Business Wire via Yahoo Finance](https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html))

### Does UMB use blockchain or tokenization?

In fund services, yes. In June 2026 UMB Fund Services joined iCapital's distributed-ledger network for onboarding, subscriptions and servicing data, and Corastone connected it to a permissioned network as transfer agent and fund administrator. Neither move is described as AI. ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1), [PR Newswire via Yahoo Finance](https://finance.yahoo.com/technology/ai/articles/corastone-brings-permissioned-blockchain-technology-135600918.html))

## Peers on this site

- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [Cullen/Frost Bankers AI strategy](https://www.bankingnewsai.com/banks/frost) · [vs peers](https://www.bankingnewsai.com/banks/frost/vs-peers)
- [Wintrust Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/wintrust) · [vs peers](https://www.bankingnewsai.com/banks/wintrust/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)

## Sources

1. UMB Successfully Completes Systems and Brand Conversion Following Acquisition of Heartland Financial USA, Inc. — Business Wire via Yahoo Finance, Oct 16, 2025. https://finance.yahoo.com/news/umb-successfully-completes-systems-brand-130000414.html
2. 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
3. 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
4. UMB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — UMB Financial (SEC filings), Feb 27, 2025. https://www.sec.gov/Archives/edgar/data/101382/000095017025028420/umbf-20241231.htm
5. UMB Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — UMB Financial (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm
6. UMB Financial Corporation 2026 Proxy Statement (DEF 14A) — UMB Financial (SEC filings), Mar 12, 2026. https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm
7. UMB Financial Q3 2025 Earnings Call Transcript — The Motley Fool (earnings call transcript), Jan 26, 2026. https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript
8. UMB (UMBF) Q4 2025 Earnings Call Transcript — The Motley Fool (earnings call transcript), Apr 21, 2026. https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript
9. UMB Financial (UMBF) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 29, 2026. https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html
10. Earnings call transcript: UMB Financial tops Q2 2026 estimates as shares rise — Investing.com (earnings call transcript), Jul 29, 2026. https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757
11. Old National Bank increased loan review efficiency and capacity with Abrigo — Abrigo, Jul 7, 2026. https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/
12. The Most Powerful Women to Watch, No. 3, Jennifer Smith, Zions Bancorporation — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation
13. 2025 Annual Report — Commerce Bancshares, Feb 24, 2026. https://commercebank.com/-/media/cb/pdf/about-us/annual-reports/2025annualreport.pdf
14. iCapital and UMB Expand Blockchain-Enabled Network for Alternative Investments Through Distributed Ledger Technology Integration — Business Wire via FT Markets, Jun 22, 2026. https://markets.ft.com/data/announce/full?dockey=600-202606220700BIZWIRE_USPRX____20260618_BW448798-1
15. Corastone Brings Permissioned Blockchain Technology to UMB Fund Services' Alternative Investment Servicing — PR Newswire via Yahoo Finance, Jun 25, 2026. https://finance.yahoo.com/technology/ai/articles/corastone-brings-permissioned-blockchain-technology-135600918.html
16. Reflecting on institutional custody's growth to $250 billion — UMB Financial, Jul 2, 2026. https://blog.umb.com/institutional-banking-reflecting-on-institutional-custodys-growth/
17. Commerce Bancshares, Inc. Annual Report on Form 10-K for 2024 — Commerce Bancshares (SEC filings), Feb 25, 2025. https://www.sec.gov/Archives/edgar/data/22356/000002235625000016/cbsh-20241231.htm
18. State Street to Launch Tokenized Fund Servicing from Luxembourg — Business Wire via FT Markets, Apr 28, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604280800BIZWIRE_USPRX____20260428_BW355626-1
19. 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
20. Old National at RBC Conference: Strategic Growth and Optimism (transcript) — Investing.com, Mar 10, 2026. https://investing.com/news/transcripts/old-national-at-rbc-conference-strategic-growth-and-optimism-93CH-4553432
21. Associated Banc-Corp at Barclays conference: growth, margins and AI (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556
22. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
23. Zions' revamped tech leadership team eyes AI, stablecoins — American Banker, Mar 10, 2026. https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins
24. Cullen/Frost Q2 2026 investor presentation (Form 8-K, Exhibit 99.1) — Cullen/Frost Bankers (SEC filings), Aug 17, 2026. https://www.sec.gov/Archives/edgar/data/39263/000003926326000049/a2q-2026finalinvestorpre.htm
25. 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
26. Old National Receives 2026 Trust in Banking Award — Old National Bancorp, Jan 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award
27. Old National Bank, Axletree Solutions Partnership Finalizes Critical Swift Architecture, Achieves ISO 20022 Compliance for 2026 — GlobeNewswire via FT Markets, Feb 10, 2026. https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5
28. Four tips to identify AI solutions that solve real business problems — Old National Bank, Apr 11, 2025. https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/
29. What not to share when using AI for personal finance help — Old National Bank, May 26, 2026. https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/
30. Zions Bancorporation sees executive shuffle — Banking Dive, Mar 3, 2026. https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/
31. Associated Bank Hires Andy Miner as senior director, AI for Corporate & Commercial Banking — Associated Banc-Corp, Jun 30, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking
32. Associated Bank chief digital officer joins from BMO — Banking Dive, Jul 30, 2026. https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/
33. Alexander Bush, EVP, Chief Data Officer & CIO, Associated Bank (Digital Banking speaker profile) — American Banker, Apr 23, 2026. https://digital-banking.americanbanker.com/profile/alexander-bush
34. Associated Announces Annual Meeting Results; Dividends; Stock Repurchase Program; and New Technology Committee — Associated Banc-Corp, Apr 28, 2026. https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee
35. Frost Bank exec: AI to usher in simpler mobile banking era — Banking Dive, Jan 29, 2025. https://www.bankingdive.com/news/ai-mobile-banking-apps-digital-customer-experience-frost-bank/738610/
36. Early Production Results for Blend's Autopilot Show What Agentic AI Means For Lending — Business Wire via FT Markets, Aug 20, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608200800BIZWIRE_USPRX____20260820_BW158280-1
37. 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/
38. Banking on a mission (AlloSource client story) — Commerce Bank, Aug 19, 2025. https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission
39. 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
40. 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
41. Central Bancompany, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Central Bancompany (SEC filings), Mar 25, 2026. https://www.sec.gov/Archives/edgar/data/2065601/000162828026021067/cbci-20251231.htm
42. How AI is Changing the Economy (undated page, retrieved 2026-09-24) — Central Bank, Sep 24, 2026. https://www.centralbank.net/learning-center/how-ai-is-changing-the-economy/
43. The Rise of AI-Enhanced Scams — Central Bank, Nov 7, 2024. https://www.centralbank.net/learning-center/security/emerging-trends/the-rise-of-ai-enhanced-scams/
44. Central Bank Boosts Financial Wellness for Customers Through Personetics' AI-powered Platform — Personetics (PR Newswire), Mar 27, 2024. https://www.prnewswire.com/news-releases/central-bank-boosts-financial-wellness-for-customers-through-personetics-ai-powered-platform-302101105.html
45. How Personetics and Central Bank Drive Customer-Centered Banking — Personetics, Apr 16, 2026. https://personetics.com/resource-center/how-personetics-and-central-bank-drive-customer-centered-banking
46. UMB CEO takes 'measured' tone on M&A — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/
47. BOK counting on mortgage finance for a boost in 2026 — American Banker, Jan 27, 2026. https://www.americanbanker.com/news/bok-counting-on-mortgage-finance-for-a-boost-in-2026
48. Kymes: Credit is still very benign despite recent headlines — CNBC, Oct 22, 2025. https://cnbc.com/video/2025/10/22/kymes-credit-is-still-very-benign-despite-recent-headlines.html
49. BOK Financial (BOKF) Q3 2025 earnings call transcript — The Motley Fool (earnings call transcript), Oct 21, 2025. https://www.fool.com/earnings/call-transcripts/2026/04/20/bok-financial-bokf-q3-2025-earnings-transcript/
50. Earnings call transcript: BOK Financial Q4 2025 earnings beat expectations — Investing.com, Jan 20, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-q4-2025-earnings-beat-expectations-93CH-4456059
51. BOK Financial (BOKF) Q1 2026 earnings call transcript — The Motley Fool (earnings call transcript), Apr 21, 2026. https://fool.com/earnings/call-transcripts/2026/04/21/bok-financial-bokf-q1-2026-earnings-transcript
52. Earnings call transcript: BOK Financial beats Q2 2026 EPS forecast, shares slip — Investing.com, Jul 21, 2026. https://investing.com/news/transcripts/earnings-call-transcript-bok-financial-beats-q2-2026-eps-forecast-shares-slip-93CH-4803980
53. Commerce eyes wealth-management gains after sealing M&A deal — American Banker, Jan 7, 2026. https://americanbanker.com/news/commerce-eyes-wealth-management-gains-after-sealing-m-a-deal
54. Frost Bank sticks to organic growth as Texas M&A heats up — Banking Dive, Jan 29, 2026. https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/
55. US20170316393A1: System, apparatus and method for linking financial accounts to a subscription service and waiving select fees of those linked financial accounts — Google Patents (USPTO), Nov 2, 2017. https://patents.google.com/patent/US20170316393A1/en
56. Strategic Growth and Service By Investing.com — Investing.com (Raymond James Institutional Investors Conference, 3 March 2026), Mar 3, 2026. https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546
57. Wintrust Financial Corporation (WTFC) Q2 FY2026 earnings call transcript — Yahoo Finance (Quartr), Jul 21, 2026. https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html
58. Wintrust Financial Corporation Appoints Two Members to Board of Directors — Wintrust Financial Corporation (GlobeNewswire), Oct 2, 2025. https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html
59. AI driving funding growth via credit adjudication — Equipment Finance News (first published by sister title FinAi News), Aug 6, 2026. https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/
60. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure
61. Acquisitive Old National eyes growth in Midwest, Southeast — American Banker, Jan 21, 2025. https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast
62. Old National (ONB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html
63. Google Patents assignee search: Old National Bancorp (0 results) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bancorp%22
64. Google Patents assignee search: Old National Bank (only third-party patents that mention the bank) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bank%22
65. Zions Bancorp's quarterly profit rises on interest income; offsets loan loss — Reuters, Oct 20, 2025. https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20
66. Associated Bank CEO wants to pave 'highway to private wealth' — Banking Dive, Apr 27, 2026. https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/
67. Associated Banc-Corp Reports Second Quarter 2026 Earnings of $0.63 Per Common Share, or $0.73 Excluding Nonrecurring Items — PR Newswire via FT Markets, Jul 23, 2026. https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1
68. US 8,280,813 B2: System and method for providing debt protection for financial overdraft account (assignee Associated Banc-Corp) — Google Patents (USPTO), Oct 2, 2012. https://patents.google.com/patent/US8280813B2/en
69. Central Bancompany, Inc. Reports Second Quarter 2026 Results, Declares Regular $0.12 Dividend and Authorizes $100 Million Share Repurchase — Central Bancompany (GlobeNewswire), Aug 4, 2026. https://globenewswire.com/news-release/2026/08/04/3338232/0/en/central-bancompany-inc-reports-second-quarter-2026-results-declares-regular-0-12-dividend-and-authorizes-100-million-share-repurchase.html
70. 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
71. Financing the AI innovation roadmap — Wintrust Financial Corporation, Sep 8, 2026. https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html
72. 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
73. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
74. Insurance Banking Rundown — Wintrust Financial Corporation, Aug 26, 2026. https://wintrust.com/articles/2026/08/insurance-banking-rundown.html
75. 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
76. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
77. Central Bancompany, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Central Bancompany (SEC filings), Aug 14, 2026. https://www.sec.gov/Archives/edgar/data/2065601/000162828026057081/cbci-20260630.htm
78. How BOK Financial Streamlines Trust Reviews with Vanilla — Vanilla (vendor case study), Aug 13, 2026. https://justvanilla.com/customer-stories/how-bok-financial-uses-vanilla-to-review-trusts-faster
79. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Zions Bancorporation (SEC filings), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm
80. Zions Bancorporation, N.A. Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Zions Bancorporation (SEC filings), May 7, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm
81. AI-Powered Social Engineering: Is Your Business at Risk? — Associated Bank, Aug 5, 2026. https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering
82. Zest AI Delivers Record First Half, Fueled by 77% Growth as Lenders Scale AI — Zest AI, Aug 5, 2026. https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/
83. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Old National Bancorp (SEC filings), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm
84. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Old National Bancorp (SEC filings), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm
85. Old National Bancorp Q2 Earnings Call Highlights — Yahoo Finance, Jul 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html
86. UMB Financial Corporation Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — UMB Financial (SEC filings), Apr 30, 2026. https://www.sec.gov/Archives/edgar/data/101382/000119312526194310/umbf-20260331.htm
87. Old National Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Old National Bancorp (SEC filings), Feb 19, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm
88. How CFOs Can Drive Real Returns From AI Investments — Old National Bank, May 19, 2026. https://www.oldnational.com/resources/insights/how-cfos-can-drive-real-returns-from-ai-investments
89. Zions Bancorporation, N.A. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Zions Bancorporation (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm
90. Wintrust Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Wintrust Financial Corporation (SEC filings), Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm
91. Earnings call transcript: Old National Bancorp beats Q3 2025 forecasts — Investing.com, Oct 22, 2025. https://investing.com/news/transcripts/earnings-call-transcript-old-national-bancorp-beats-q3-2025-forecasts-93CH-4302279
92. Old National (ONB) Q1 2026 Earnings Call Transcript — Earnings call transcript (The Motley Fool), Apr 22, 2026. https://www.fool.com/earnings/call-transcripts/2026/04/22/old-national-onb-q1-2026-earnings-transcript/
93. Zions leaders reflect on lessons learned from 11-year core upgrade — American Banker, Aug 21, 2024. https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade
94. State Street to Support Dimensional Fund Advisors' First-Ever ETF Share Class Rollout (company boilerplate: AUC/A, AUM, headcount) — Business Wire via FT Markets, Mar 23, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603230830BIZWIRE_USPRX____20260323_BW043243-1
95. BNY's profit rises on strong fees, interest income growth — Reuters, Apr 16, 2026. https://www.reuters.com/business/finance/bnys-profit-rises-strong-fees-interest-income-growth-2026-04-16/
96. Exclusive: How BNY's new AI tool Eliza is minting an army of disposable assistants — Fortune, Aug 15, 2024. https://fortune.com/2024/08/15/exclusive-how-bnys-new-ai-tool-eliza-is-minting-an-army-of-disposable-assistants-that-could-save-billions-in-labor-costs/
97. BNY Takes Aim At Schwab, Fidelity With AI-Powered Wealth Push — Financial Advisor Magazine, Jun 4, 2026. https://fa-mag.com/news/bny-takes-aim-at-schwab--fidelity-with-ai-powered-wealth-push-87284.html
98. Northern Trust profit beats estimates on higher fees, interest — Reuters, Oct 22, 2025. https://reuters.com/business/finance/northern-trust-profit-beats-estimates-higher-fees-interest-2025-10-22
99. Northern Trust Asset Management Announces Adaptive Equity Funds — Northern Trust Asset Management (Business Wire), Jun 3, 2026. https://businesswire.com/news/home/20260603817494/en/Northern-Trust-Asset-Management-Announces-Adaptive-Equity-Funds
100. Shanthi Pudota, SVP, Chief Data and Analytics Officer, BOK Financial (Digital Banking speaker profile) — American Banker, Mar 24, 2026. https://digital-banking.americanbanker.com/profile/shanthi-pudota
101. UMB Financial Corporation Reports Second Quarter 2026 Results — Business Wire via FT Markets, Jul 28, 2026. https://markets.ft.com/data/announce/full?dockey=600-202607281605BIZWIRE_USPRX____20260728_BW374318-1
102. Take the road less traveled: Justin Rainey's career journey to UMB — UMB Financial, Apr 28, 2025. https://blog.umb.com/inside-umb-meet-our-leaders-justin-rainey
103. Zions (ZION) Q2 2025 Earnings Call Transcript — Earnings call transcript (The Motley Fool), Jul 21, 2025. https://fool.com/earnings/call-transcripts/2025/08/05/zions-zion-q2-2025-earnings-call-transcript

---

Canonical page: https://www.bankingnewsai.com/banks/umb/vs-peers
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.