# United Bankshares vs peers: AI and technology compared

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

*Part of the [United Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/united-bankshares). Peer group: Atlantic Union Bankshares, WesBanco, F.N.B. Corporation, SouthState Bank, United Community Banks, Ameris Bancorp, Fulton Financial Corporation, TowneBank.*

## How does United Bankshares compare with its peers on AI and technology?

On this site's AI disclosure index United Bankshares scores 2 (#116 of 120 US banks), last in a nine-bank group of Mid-Atlantic and Southeast regionals led by SouthState (70.9), F.N.B. (60.2) and Atlantic Union (53.7), and behind WesBanco (26.9) and Ameris (20.7). The score reflects what it has not disclosed: no AI program, leader, vendor, budget or roadmap as of September 2026. Its AI record is risk language. AI passages in its annual report grew from one in the 2024 10-K to four in the 2025 10-K, filed February 27, 2026, covering cyber-attack techniques, fraud, new-technology implementation and its own use of 'artificial intelligence, automation and algorithms', while its Q1 and Q2 2026 10-Qs contain none. Its peers have moved past that stage. SouthState reports 2,500+ premium Copilot users (June 2026); F.N.B. runs 10 AI-enabled fraud tools and an AI cross-sell engine; Atlantic Union set out a 'fast follower' AI roadmap in December 2025; WesBanco tells investors it is advancing automation and AI in loan operations, the call center and underwriting. United's strengths are elsewhere: record second-quarter 2026 earnings of $131.4 million, a 1.56% return on assets, and data-processing costs cut to $14.1 million in the first half of 2026 from $16.4 million through technology contract renegotiations. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526213783/d51730d10q.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm), [United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [United Bankshares investor relations](https://ubsi-inc.com/news/news-details/2026/United-Bankshares-Inc--Announces-Record-Earnings-for-the-Second-Quarter-of-2026/))

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

- **Technology costs falling while peers' rise.** United's data-processing expense was $14.1 million in the first half of 2026 against $16.4 million a year earlier, which it attributes to technology contract renegotiations. TowneBank's banking-segment data-processing expense rose 12.5% in Q2 2026, and Atlantic Union guides 2026 expense of $742 million to $752 million. ([United Bankshares investor relations](https://ubsi-inc.com/news/news-details/2026/United-Bankshares-Inc--Announces-Record-Earnings-for-the-Second-Quarter-of-2026/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11985/attachment/1), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697))
- **Technology and risk under one executive reporting to the CEO.** United combines technology and risk in a chief risk and information officer, Darren K. Williams, appointed by the board's Risk Committee and reporting directly to the CEO, with a NIST- and CIS-based security program. SouthState's 2025 10-K and 2026 proxy name no chief AI, data or information officer. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [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))
- **Second in the group on primary disclosures.** United scores 25 on its own primary disclosures, second of nine behind United Community (27): filings, releases and learning-center guides, including an August 2025 guide to AI budgeting apps. Ameris's Q1 2026 10-Q, unlike its 10-K, contains no AI reference. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [United Bank](https://www.bankwithunited.com/learning/saving-budgeting/how-ai-can-help-you-save.html), [Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000086/abcb-20260331.htm))

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

- **No disclosed AI program, while every peer has something on record.** United names no AI deployment, vendor or leader in its releases or investor materials. SouthState reports 2,500+ premium Copilot users and a GenAI Knowledge Assistant (June 2026); TowneBank runs Talkdesk Copilot in its contact center; Fulton put Salesforce Agentforce agents in front of 3,000 employees within six weeks (September 2026). ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/))
- **No AI in its quarterly filings, unlike WesBanco's investor deck.** United's Q1 and Q2 2026 10-Qs contain no reference to artificial intelligence, machine learning or generative AI. WesBanco's May 2026 investor deck says it is advancing automation and AI across loan operations, the call center and credit underwriting, targeting $2 of return per $1 invested. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526213783/d51730d10q.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm))
- **The fewest dated moves and use cases in the group.** United scores 13 on dated moves in the last 12 months, last of nine against F.N.B.'s 21, and describes 8 use cases against SouthState's 20. Its 2026 moves were a Charleston operations center (September) and a Palm Beach office (October), neither with AI tooling mentioned. ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html), [Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion))
- **Fraud AI elsewhere, not at United.** United's 10-K names AI as a driver of fraud risk but discloses no AI fraud tool. F.N.B. showed 10 AI-enabled fraud tools at its November 2025 investor day, and United Community credits vendors' AI with halving its fraud losses over two years (April 2026). ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm))

## Where does United Bank rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | [60.2](https://www.bankingnewsai.com/banks/ai-index) | #47 of 120 | [6](https://www.bankingnewsai.com/banks/fnb#sources) | [25](https://www.bankingnewsai.com/banks/fnb#sources) | [9 of 15](https://www.bankingnewsai.com/banks/fnb#where) | [21](https://www.bankingnewsai.com/banks/fnb#timeline) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| [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)) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | [44.3](https://www.bankingnewsai.com/banks/ai-index) | #66 of 120 | [6](https://www.bankingnewsai.com/banks/fulton#sources) | [23](https://www.bankingnewsai.com/banks/fulton#sources) | [10 of 12](https://www.bankingnewsai.com/banks/fulton#where) | [17](https://www.bankingnewsai.com/banks/fulton#timeline) | Not disclosed |
| [TowneBank](https://www.bankingnewsai.com/banks/townebank) | [38.8](https://www.bankingnewsai.com/banks/ai-index) | #74 of 120 | [4](https://www.bankingnewsai.com/banks/townebank#sources) | [13](https://www.bankingnewsai.com/banks/townebank#sources) | [9 of 12](https://www.bankingnewsai.com/banks/townebank#where) | [17](https://www.bankingnewsai.com/banks/townebank#timeline) | Technology organisation under CIO Varun Chandhok; Talkdesk contact centre, SAS analytics and Microsoft Copilot ([TowneBank](https://townebank.com/about-towne/news-room/2026/varunchandhok), [TowneBank (from The CEO Magazine)](https://www.townebank.com/about-towne/news-room/2025/information-superhighway-denys-diaz/), [Talkdesk](https://www.talkdesk.com/customers/townebank/), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [Talkdesk (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/18/3346962/0/en/talkdesk-transforms-the-bank-branch-into-an-ai-powered-advisory-hub.html), [SAS (PR Newswire)](https://www.prnewswire.com/news-releases/banking-on-cloud-townebank-primes-for-continued-growth-with-sas-302153251.html), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1), [TowneBank](https://townebank.com/personal/resource/security/fraud/ai-scams)) |
| [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 |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | [26.9](https://www.bankingnewsai.com/banks/ai-index) | #92 of 120 | [2](https://www.bankingnewsai.com/banks/wesbanco#sources) | [23](https://www.bankingnewsai.com/banks/wesbanco#sources) | [9 of 12](https://www.bankingnewsai.com/banks/wesbanco#where) | [17](https://www.bankingnewsai.com/banks/wesbanco#timeline) | Not disclosed |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | [20.7](https://www.bankingnewsai.com/banks/ai-index) | #97 of 120 | [2](https://www.bankingnewsai.com/banks/ameris#sources) | [18](https://www.bankingnewsai.com/banks/ameris#sources) | [9 of 11](https://www.bankingnewsai.com/banks/ameris#where) | [14](https://www.bankingnewsai.com/banks/ameris#timeline) | Not disclosed |
| [United Bankshares (this page)](https://www.bankingnewsai.com/banks/united-bankshares) | [2](https://www.bankingnewsai.com/banks/ai-index) | #116 of 120 | [3](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [25](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [5 of 8](https://www.bankingnewsai.com/banks/united-bankshares#where) | [13](https://www.bankingnewsai.com/banks/united-bankshares#timeline) | Not disclosed |

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

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

| Component (weight) | United Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 3 | 5 | [SouthState (12)](https://www.bankingnewsai.com/banks/southstate) | 7th of 9 |
| Use cases in production (10%) | 5 | 9 | [SouthState (10)](https://www.bankingnewsai.com/banks/southstate) | 8th of 9 |
| Own primary disclosures (10%) | 25 | 20.5 | [United Community (27)](https://www.bankingnewsai.com/banks/united-community) | 2nd of 9 |
| Dated moves, last 12 months (10%) | 13 | 18 | [FNB (21)](https://www.bankingnewsai.com/banks/fnb) | 9th of 9 |
| Disclosed numbers (5%) | 11 | 14.5 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 8th of 9 |
| Named AI leaders (5%) | 6 | 8.5 | [SouthState (10)](https://www.bankingnewsai.com/banks/southstate) | 7th of 9 |
| Use cases described (5%) | 8 | 12 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 9th of 9 |

## What has each bank in United Bank's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [6, incl. Richard M. Adams Jr. (Chief Executive Officer)](https://www.bankingnewsai.com/banks/united-bankshares#people) ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-celebrates-187-years-of-service.html)) | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) | Not disclosed | Not surveyed |
| [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) |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Not disclosed | [5, incl. Jeff Jackson (President and CEO)](https://www.bankingnewsai.com/banks/wesbanco#people) ([WesBanco](https://wesbanco.com/wp-content/uploads/2026/03/2025-Annual-Report-ADA-Compliant.pdf), [WesBanco (PR Newswire)](https://www.prnewswire.com/news-releases/wesbanco-announces-second-quarter-2026-financial-results-302831242.html)) | Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) | Not disclosed | Not surveyed |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [9, incl. Vincent J. Delie, Jr. (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/fnb#people) ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) | AI-enabled fraud tools: 10 (Nov 5, 2025) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | Not disclosed | [5 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/fnb#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) |
| [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) |
| [Fulton Financial Corporation](https://www.bankingnewsai.com/banks/fulton) | Not disclosed | [8, incl. Curt Myers (Chairman, CEO and President)](https://www.bankingnewsai.com/banks/fulton#people) ([Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/FULTON-FINANCIAL-MERGES-ITS-BLUE-FOUNDRY-BANK-SUBSIDIARY-INTO-FULTON-BANK-N-A-), [Fulton Financial](https://investor.fultonbank.com/news/news-details/2026/Fulton-Financial-Corporation-Announces-Second-Quarter-2026-Results)) | Agent time saved per call by AI summarisation: 3–5 minutes (Nov 20, 2024) ([American Banker](https://www.americanbanker.com/news/how-ai-is-helping-banks-put-a-more-human-face-on-their-call-centers)) | 1 patent listed on the profile, e.g. US 2019/0286854 A1 (Record parameter automatic adjusting machines and methods) ([Google Patents (USPTO)](https://patents.google.com/patent/US20190286854A1/en)) | Not surveyed |
| [TowneBank](https://www.bankingnewsai.com/banks/townebank) | Technology organisation under CIO Varun Chandhok; Talkdesk contact centre, SAS analytics and Microsoft Copilot ([TowneBank](https://townebank.com/about-towne/news-room/2026/varunchandhok), [TowneBank (from The CEO Magazine)](https://www.townebank.com/about-towne/news-room/2025/information-superhighway-denys-diaz/), [Talkdesk](https://www.talkdesk.com/customers/townebank/), [Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [Talkdesk (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/18/3346962/0/en/talkdesk-transforms-the-bank-branch-into-an-ai-powered-advisory-hub.html), [SAS (PR Newswire)](https://www.prnewswire.com/news-releases/banking-on-cloud-townebank-primes-for-continued-growth-with-sas-302153251.html), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1), [TowneBank](https://townebank.com/personal/resource/security/fraud/ai-scams)) | [9, incl. William I. Foster III (President and CEO)](https://www.bankingnewsai.com/banks/townebank#people) ([TowneBank (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/23/3331831/0/en/TowneBank-Reports-Second-Quarter-2026-Earnings.html)) | Full-time equivalent employees: 2,976 (Dec 31, 2025) ([TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of United Bank and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 8, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| Oct 6, 2026 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | blueharbor bank acquisition announced ([Banking Dive](https://bankingdive.com/news/townebank-blueharbor-deal-north-carolina-bank-acquisition-targets/832513), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/townebank-agrees-acquire-blueharbor-bank-145031180.html)) |
| 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 | [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 30, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Contact-centre manager describes Fulton's AI journey with NICE ([NICE](https://nice.com/resources/fulton-bank-frictionless-for-customers-frictionless-for-agents)) |
| Sep 24, 2026 | [Fulton](https://www.bankingnewsai.com/banks/fulton) | Salesforce cites Fulton's Agentforce rollout at Dreamforce ([Salesforce](https://www.salesforce.com/news/stories/five-dreamforce-2026-takeaways/)) |
| Sep 23, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Charleston operations centre opens ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html)) |
| Sep 18, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| Sep 14, 2026 | [United Community](https://www.bankingnewsai.com/banks/united-community) | Named as a Microsoft Copilot adopter ([ABA Banking Journal](https://bankingjournal.aba.com/2026/09/banks-wealth-units-pursue-ai-carefully/)) |
| Aug 27, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| Aug 18, 2026 | [TowneBank](https://www.bankingnewsai.com/banks/townebank) | Talkdesk cites TowneBank as an automation reference ([Talkdesk (GlobeNewswire)](https://globenewswire.com/news-release/2026/08/18/3346962/0/en/talkdesk-transforms-the-bank-branch-into-an-ai-powered-advisory-hub.html)) |
| Aug 17, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| 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 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 5, 2026 | [FNB](https://www.bankingnewsai.com/banks/fnb) | Q2 2026 10-Q: same AI language as the first quarter ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000025/fnb-20260630.htm)) |
| Jul 30, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q2 2026 10-Q has no AI language ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526326145/wsbc-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 does United Bankshares' AI disclosure compare with its regional peers'?

The most concrete AI disclosure on each bank's profile on this site, with the date.

| Bank | AI disclosed | Scale or result | Date |
| --- | --- | --- | --- |
| United Bankshares | AI risk factors in the 10-K; a consumer guide to AI budgeting apps | 1 AI passage in the 2024 10-K, 4 in the 2025 10-K; none in the 2026 10-Qs | February to August 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm), [United Bank](https://www.bankwithunited.com/learning/saving-budgeting/how-ai-can-help-you-save.html)) |
| SouthState | Microsoft Copilot and a GenAI Knowledge Assistant | 2,500+ premium Copilot users; 1.1K+ assistant questions a day | June 30, 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| F.N.B. | Opportunity IQ AI cross-sell; 10 AI-enabled fraud tools; eStore Common app | About 190,000 leads a quarter in 2025 | November 2025 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| Atlantic Union | 'Fast follower' AI roadmap; automated merger conversion | More than 80 million values validated in the Sandy Spring conversion | December 2025; June 2026 ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) |
| United Community | Vendor AI in fraud; AI in contact-center and branch-support systems | Fraud losses down 50% over two years | April 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |
| WesBanco | Automation and AI in loan operations, call center and underwriting | $2 of return targeted per $1 invested; about 80% of retail customers on digital channels | May and August 2026 ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| Ameris | AI as 'more of an evolution than a revolution'; robotic automation in premium finance | Not disclosed | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) |

## How does United's digital and AI record compare with the large banks in its markets?

Deposit shares are computed by this site from the FDIC Summary of Deposits (June 30, 2025, by holding company) for West Virginia and the Washington, D.C. metro. A blank means nothing is disclosed, not that nothing exists.

| Bank | West Virginia / Washington, D.C. metro deposit share | Customer AI assistant | Employee AI disclosed |
| --- | --- | --- | --- |
| United Bankshares | 1st: 14.6%, 48 branches / 7th: 3.3%, 57 branches | None disclosed | None disclosed ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html)) |
| Truist | 2nd: 12.6%, 42 branches / 3rd: 12.6%, 168 branches | Truist Assist: 12.5 million+ requests from 2023 to March 2026 | AI Call Summaries: 4.5 million+ summaries (September 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist](https://ir.truist.com/2026-09-09-Truist-advances-AI-to-create-more-meaningful-client-interactions)) |
| Capital One | Not in the West Virginia top 12 / 1st: 23.3%, 59 branches | Eno, live since March 2017 | MACAW summarizes fraud calls for staff ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Capital One](https://www.capitalone.com/digital/tools/eno/), [VentureBeat (sponsored by Capital One)](https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models)) |
| Bank of America | Not in the West Virginia top 12 / 2nd: 16.0%, 122 branches | Erica: helps more than 24.6 million clients | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [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)) |
| Huntington | 6th: 5.6%, 26 branches / not in the D.C. top 12 | Not disclosed on this page | AI strategy owned by the CFO, with 50 agents in production ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) |

## Who is accountable for technology and AI at United compared with its peers?

The executive or committee each bank names for technology or AI.

| Bank | Named owner | Oversight | Source year |
| --- | --- | --- | --- |
| United Bankshares | Darren K. Williams, chief risk and information officer since 2020 | Board Risk Committee appoints the CRIO and oversees information security; no AI-specific policy or committee disclosed | 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) |
| F.N.B. | Director of AI and innovation; chief strategy officer over data science | AI Policy and a Data and AI Governance Committee under the board Risk Committee | 2025 to 2026 ([F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm)) |
| Atlantic Union | CIO Matt Linderman owns the AI agenda | AI governance first under a 'fast follower' strategy | 2025 to 2026 ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| SouthState | AI Enablement Manager runs adoption; no chief AI, data or information officer named | Not disclosed | 2026 ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |

## What has United Bankshares itself said about AI?

United's AI record lives in its risk factors. The 2024 10-K, filed February 28, 2025, mentioned AI once, as a source of information-security risk. The 2025 10-K, filed February 27, 2026, mentions it in four places: evolving cyber-attack techniques, fraud, the implementation of new technology and information security, and it warns that the bank's own use of 'artificial intelligence, automation and algorithms' in business processes may have unintended consequences. The Q1 and Q2 2026 10-Qs contain no reference to artificial intelligence, machine learning or generative AI. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526213783/d51730d10q.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm))

Its 2026 investments are physical and operational rather than AI-branded. A three-floor, 34,800-square-foot operations center in Charleston opened on September 23, 2026 for about 170 staff, co-locating IT, Fraud, Compliance, Customer Care and Loan Servicing teams, with no AI tooling mentioned. Its only AI content for customers is an August 2025 learning-center guide to AI budgeting apps, which states that United Bank does not endorse or partner with any of the apps it names. ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html), [United Bank](https://www.bankwithunited.com/learning/saving-budgeting/how-ai-can-help-you-save.html))

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

United Bankshares is compared here with Atlantic Union Bankshares, WesBanco, F.N.B. Corporation, SouthState Bank, United Community Banks, Ameris Bancorp, Fulton Financial Corporation and TowneBank: chosen by the editors for this page (see the note below the table). United Bankshares is classed as a regional or retail-commercial bank in the Southeast.

The computed group mixed in Florida and Gulf South banks; this group holds the regionals that share United's footprint from West Virginia and the Washington, D.C. area to the Carolinas and Atlanta, and all but TowneBank, a Virginia and Carolinas rival, sit in United's own 2025 or 2026 proxy peer group.

## Common questions

### How does United compare with TowneBank on AI?

TowneBank scores 38.8 on this site's index and United 2. TowneBank runs Talkdesk Copilot agent assistance in its contact center, SAS analytics and Microsoft Copilot for bankers, and gives AI a stand-alone 10-K risk factor; United discloses no AI tool. The two compete in Virginia and the Carolinas. ([Talkdesk](https://www.talkdesk.com/blog/talkdesk-cx-innovators-awards-meet-winners/), [SAS (PR Newswire)](https://www.prnewswire.com/news-releases/banking-on-cloud-townebank-primes-for-continued-growth-with-sas-302153251.html), [UNC Greensboro Bryan School of Business and Economics](https://bryan.uncg.edu/bryan-school-students-bring-fresh-perspective-to-townebanks-ai-strategy/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11869/attachment/1), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm))

### Is United Bankshares better than F.N.B. at AI?

The record cannot settle capability, but F.N.B. has put far more on it: 60.2 on this site's disclosure index against United's 2. F.N.B. runs 10 AI-enabled fraud tools and an AI cross-sell engine generating about 190,000 leads a quarter, and has a director of AI and innovation. The two overlap in Maryland, West Virginia, the Carolinas, Virginia and Washington, D.C. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

### How does United compare with SouthState on AI?

SouthState scores 70.9 on this site's index and United 2. SouthState reports 2,500+ premium Copilot users, 12K+ prompts a day and about 90% of credit spreads done by AI (June 2026); United discloses no AI deployment. Both are in each other's markets in the Carolinas, Georgia and Virginia, and SouthState is in United's proxy peer group. ([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), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm))

### Does United Bank use AI?

Not in any program it has disclosed. United's 2025 10-K says its own use of artificial intelligence, automation and algorithms in business processes may have unintended consequences, and names AI as a driver of cyber and fraud risk, but no AI tool, vendor or leader is named, and its 2026 10-Qs contain no AI language. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526213783/d51730d10q.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526339565/d46059d10q.htm))

### Does United Bank have an AI virtual assistant?

Not one it has disclosed. In the Washington, D.C. metro, Capital One (23.3% of deposits) has run Eno since 2017 and Bank of America (16.0%) says Erica helps more than 24.6 million clients; Truist, second in West Virginia, reports 12.5 million+ Truist Assist requests from 2023 to March 2026. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm))

### How does United Bankshares compare with Atlantic Union on AI?

Atlantic Union has put far more on the record: 53.7 on this site's index against United's 2, with a 'fast follower' AI roadmap, Socure machine-learning identity verification and an automated merger conversion. The two compete in Virginia, Maryland and the Washington, D.C. metro, where Atlantic Union holds 4.2% of deposits and United 3.3%. ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### How does United compare with WesBanco?

Both are rooted in West Virginia, where United holds 14.6% of deposits and WesBanco 9.1% (FDIC, June 30, 2025). WesBanco scores 26.9 on this site's index and tells investors it is advancing automation and AI in loan operations, the call center and underwriting; United scores 2 and discloses no AI initiative. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm))

### How does United's technology spending compare with peers?

United discloses no technology or AI budget. Its data-processing expense fell to $14.1 million in the first half of 2026 from $16.4 million, which it attributes to technology contract renegotiations. TowneBank's banking-segment data-processing expense rose 12.5% in Q2 2026; WesBanco targets $2 of return per $1 invested in automation and AI. ([United Bankshares investor relations](https://ubsi-inc.com/news/news-details/2026/United-Bankshares-Inc--Announces-Record-Earnings-for-the-Second-Quarter-of-2026/), [TowneBank (FDIC filings)](https://securitiesfilings.fdicconnect.fdic.gov/api/instflng/11985/attachment/1), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm))

### Who is responsible for technology at United Bankshares?

Darren K. Williams, chief risk and information officer since 2020, combines technology and risk and reports directly to the CEO; the board's Risk Committee, chaired by Mark R. Nesselroad, appoints him and oversees information security. A long-serving, unnamed CISO runs the security program on the NIST Cybersecurity Framework. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm))

## Peers on this site

- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/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)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [TowneBank AI strategy](https://www.bankingnewsai.com/banks/townebank) · [vs peers](https://www.bankingnewsai.com/banks/townebank/vs-peers)

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