# Valley National Bancorp vs peers: AI and technology compared

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

*Part of the [Valley National Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/valley). Peer group: Flagstar Bank, Santander US, M&T Bank, TD Bank (U.S.), BankUnited, F.N.B. Corporation, ConnectOne Bancorp, Dime Commercial Bancshares.*

## How does Valley National Bancorp compare with its peers on AI and technology?

On this site's AI disclosure index Valley National Bancorp scores 76.6 (#26 of 120 US banks), third in a nine-bank group of New York, New Jersey and Florida competitors, behind TD Bank US (91.8) and Santander US (87.2), close to M&T (75.5), and ahead of Flagstar (65.3), F.N.B. (60.2) and BankUnited (63.5). It has more AI use cases in production on the record than any of them (13) and is the one bank in the group to net its AI economics: on July 23, 2026 the CFO put run-rate savings at about $15 million against $3 million to $4 million of new AI expense, and the COO credits four years of digital work with about $100 million saved and 100,000+ hours. Its uses run from an autonomous voice agent calling past-due auto-loan customers to machine-learning triage of AML alerts and wire fraud, and in July 2026 it said AI was replacing three vendor contracts. In September 2026 it agreed to buy Bluevine for $340 million, adding about 180 engineering, product and data-science staff and a platform whose majority of new code is AI-generated. Where it trails is breadth of staff use and scale. About 80 of roughly 3,600 employees had open AI access in July 2026, while M&T counts about 16,000 of 22,000 staff on Copilot and TD Bank Group says over 40,000 colleagues use a Copilot tool and its AI delivered about C$195 million of value in nine months. And in its home deposit market JPMorgan Chase holds 34.73% of New York-area deposits against Valley's 1.36% (June 2025). ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-q1-earnings-223612150.html), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q2-2026-earnings-184201327.html), [PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=New%20York-Newark-Jersey%20City,%20NY-NJ&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

## Where does Valley lead its peers on AI?

- **The most AI use cases in production in the group.** Valley's profile records 13 AI use cases in production, first in its nine-bank group (median 9.5), among them a voice agent for auto-loan collections, AML alert actioning, wire-fraud identification and AI knowledge assistants for customer care (Q2 2026 deck). Santander US records 10 and Flagstar 8. ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-q1-earnings-223612150.html))
- **AI savings netted against AI spending.** On July 23, 2026 Valley's CFO put AI run-rate savings at about $15 million against $3 million to $4 million of new AI-associated expense. Flagstar reports software expense up 20% to $96 million in the first half of 2026 and expects $40 million to $45 million a year from core consolidation, but publishes no AI savings figure. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm), [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/))
- **Building in place of buying vendor software.** Valley said in July 2026 that AI is replacing three external vendor contracts for specific workflows, under five tiers of AI access with monthly token tracking. ConnectOne builds its agents on nCino's platform (two custom agents and 16 skills, July 2026), and BankUnited's SAVI assistant is described in an AWS case study. ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/))
- **An acquisition that buys AI engineering.** Valley agreed on September 28, 2026 to buy Bluevine for $340 million: about 175,000 small-business customers, $2.1 billion of core deposits and about 180 R&D staff, with the majority of new code AI-generated and about 80% of inbound inquiries AI-contained. Santander's US AI story runs through the group's ONE Transformation instead. ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banco Santander](https://www.santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees))

## Where does Valley trail its peers on AI?

- **Open AI access for about 80 people, against M&T's 16,000.** Valley's open-access AI tier covered about 80 of roughly 3,600 employees in July 2026. M&T reported about 16,000 of 22,000 employees on Microsoft Copilot (September 2025), and Santander rolled ChatGPT Enterprise out to nearly 15,000 group employees in two months (August 2025). ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Banco Santander](https://santander.com/en/stories/santander-data-ai-first-strategy-accelerates-through-openai-collaboration))
- **A fraction of TD's measured AI value.** TD Bank Group reported about C$195 million of AI value in the first three quarters of fiscal 2026 and targets C$1 billion a year in the medium term; its Layer 6 unit runs about 100 use cases. Valley's comparable figure is about $15 million of run-rate savings (July 2026). ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))
- **No agentic AI yet in core credit, unlike TD and ConnectOne.** Valley's chief credit officer said in July 2026 that agentic AI is not yet in its core credit analysis. TD says agentic AI cut mortgage pre-adjudication from 15 hours to under 3 minutes (October 2026), and ConnectOne's relationship-update agent cut task time by 60% (July 2026). ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html))
- **Less independent coverage than the larger rivals.** Valley scores 11 on independent sources, fifth in the group behind TD (27), Santander US (24), M&T (18) and Flagstar (14). Much of its AI record comes from its own earnings decks and calls, though the COO's American Banker ranking and Banking Dive's build-versus-buy report are independent. ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/))

## Where does Valley 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | [91.8](https://www.bankingnewsai.com/banks/ai-index) | #4 of 120 | [27](https://www.bankingnewsai.com/banks/td-bank-us#sources) | [23](https://www.bankingnewsai.com/banks/td-bank-us#sources) | [13 of 18](https://www.bankingnewsai.com/banks/td-bank-us#where) | [28](https://www.bankingnewsai.com/banks/td-bank-us#timeline) | Layer 6 and TD AI Prism ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation), [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking)) |
| [Santander US](https://www.bankingnewsai.com/banks/santander-us) | [87.2](https://www.bankingnewsai.com/banks/ai-index) | #8 of 120 | [24](https://www.bankingnewsai.com/banks/santander-us#sources) | [22](https://www.bankingnewsai.com/banks/santander-us#sources) | [10 of 15](https://www.bankingnewsai.com/banks/santander-us#where) | [28](https://www.bankingnewsai.com/banks/santander-us#timeline) | ONE Transformation: shared platforms, AI for every employee, agentic commerce ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/), [PYMNTS](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/), [Banking Dive](https://www.bankingdive.com/news/santander-webster-management-roles-swati-bhatia-leaving/816983/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1)) |
| [Valley National Bancorp (this page)](https://www.bankingnewsai.com/banks/valley) | [76.6](https://www.bankingnewsai.com/banks/ai-index) | #26 of 120 | [11](https://www.bankingnewsai.com/banks/valley#sources) | [22](https://www.bankingnewsai.com/banks/valley#sources) | [13 of 17](https://www.bankingnewsai.com/banks/valley#where) | [22](https://www.bankingnewsai.com/banks/valley#timeline) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | [75.5](https://www.bankingnewsai.com/banks/ai-index) | #28 of 120 | [18](https://www.bankingnewsai.com/banks/mt-bank#sources) | [13](https://www.bankingnewsai.com/banks/mt-bank#sources) | [10 of 14](https://www.bankingnewsai.com/banks/mt-bank#where) | [25](https://www.bankingnewsai.com/banks/mt-bank#timeline) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #41 of 120 | [14](https://www.bankingnewsai.com/banks/flagstar#sources) | [12](https://www.bankingnewsai.com/banks/flagstar#sources) | [8 of 14](https://www.bankingnewsai.com/banks/flagstar#where) | [24](https://www.bankingnewsai.com/banks/flagstar#timeline) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | [63.5](https://www.bankingnewsai.com/banks/ai-index) | #44 of 120 | [7](https://www.bankingnewsai.com/banks/bankunited#sources) | [26](https://www.bankingnewsai.com/banks/bankunited#sources) | [10 of 15](https://www.bankingnewsai.com/banks/bankunited#where) | [19](https://www.bankingnewsai.com/banks/bankunited#timeline) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) |
| [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)) |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | [44.6](https://www.bankingnewsai.com/banks/ai-index) | #65 of 120 | [9](https://www.bankingnewsai.com/banks/connectone#sources) | [12](https://www.bankingnewsai.com/banks/connectone#sources) | [7 of 10](https://www.bankingnewsai.com/banks/connectone#where) | [14](https://www.bankingnewsai.com/banks/connectone#timeline) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | [10.5](https://www.bankingnewsai.com/banks/ai-index) | #102 of 120 | [3](https://www.bankingnewsai.com/banks/dime#sources) | [13](https://www.bankingnewsai.com/banks/dime#sources) | [2 of 8](https://www.bankingnewsai.com/banks/dime#where) | [13](https://www.bankingnewsai.com/banks/dime#timeline) | Not disclosed |

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

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

| Component (weight) | Valley | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 11 | 11.5 | [TD (27)](https://www.bankingnewsai.com/banks/td-bank-us) | 5th of 9 |
| Use cases in production (10%) | 13 | 9.5 | [Valley (13)](https://www.bankingnewsai.com/banks/valley) | 1st of 9 |
| Own primary disclosures (10%) | 22 | 17.5 | [BankUnited (26)](https://www.bankingnewsai.com/banks/bankunited) | 4th of 9 |
| Dated moves, last 12 months (10%) | 22 | 22.5 | [Santander (28)](https://www.bankingnewsai.com/banks/santander-us) | 5th of 9 |
| Disclosed numbers (5%) | 18 | 15.5 | [FNB (20)](https://www.bankingnewsai.com/banks/fnb) | 2nd of 9 |
| Named AI leaders (5%) | 14 | 11 | [Santander (23)](https://www.bankingnewsai.com/banks/santander-us) | 2nd of 9 |
| Use cases described (5%) | 17 | 14.5 | [TD (18)](https://www.bankingnewsai.com/banks/td-bank-us) | 2nd of 9 |

## What has each bank in Valley'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 |
| --- | --- | --- | --- | --- | --- |
| [Valley National Bancorp](https://www.bankingnewsai.com/banks/valley) | Cloud-first infrastructure, Valley's AI Assistant and tiered access ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm)) | [14, incl. Ira Robbins (Chairman and CEO)](https://www.bankingnewsai.com/banks/valley#people) ([Valley National Bancorp](https://valley.com/content/dam/valley/pdfs/earnings/2026/q1/Exhibit%2099.1%20Earnings%20Release%2004.23.2026%20FINAL.pdf)) | Vendor contracts being replaced by AI: 3 (Jul 10, 2026) ([Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) | Not disclosed | Not surveyed |
| [Flagstar Bank](https://www.bankingnewsai.com/banks/flagstar) | Flagstar S2 Platform and StarIQ ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [Banking Dive](https://www.bankingdive.com/news/flagstar-cio-chris-higgins-s2-stariq-proprietary-tech-platform-ai/823404/), [American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers)) | [11, incl. Joseph Otting (Executive Chairman and CEO)](https://www.bankingnewsai.com/banks/flagstar#people) ([American Banker](https://americanbanker.com/news/flagstar-is-back-in-the-black-after-eight-quarters-of-losses), [Banking Dive](https://www.bankingdive.com/news/flagstar-otting-extend-compensation-succession-raffetto-smith-co-president-nguyen-sullivan-menefee/820741/), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000053/flg-leadershipsuccession.htm)) | Not disclosed | 1 patent listed on the profile, e.g. US 8,239,255 B2 (Consumer incentive system and business method) ([Google Patents (USPTO)](https://patents.google.com/patent/US8239255B2/en)) | Not surveyed |
| [Santander US](https://www.bankingnewsai.com/banks/santander-us) | ONE Transformation: shared platforms, AI for every employee, agentic commerce ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push), [PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/santander-equips-all-workers-with-ai-and-seeks-1-15-billion-business-value/), [PYMNTS](https://www.pymnts.com/news/b2b-payments/2026/santanders-getnet-plugs-merchants-into-agentic-commerce/), [Banking Dive](https://www.bankingdive.com/news/santander-webster-management-roles-swati-bhatia-leaving/816983/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1)) | [23, incl. Christiana Riley (CEO, Santander US and US country head)](https://www.bankingnewsai.com/banks/santander-us#people) ([Banking Dive](https://www.bankingdive.com/news/santander-acquiring-webster-bank-12b/811270/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608200334BIZWIRE_USPRX____20260820_BW118649-1), [American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s)) | AI contribution to 2028 targets: > €1 billion: ≈ €300m revenue, ≈ €700m cost (Feb 25, 2026) ([Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) | 1 patent listed on the profile, e.g. US 2023/0377033 A1 (Santander Consumer USA: simulating a loan payment structure on an interactive interface) ([Google Patents (USPTO)](https://patents.google.com/patent/US20230377033A1/en)) | Not surveyed |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot on a data-lineage foundation ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) | [13, incl. Michael Wisler (Senior EVP, Technology and Operations)](https://www.bankingnewsai.com/banks/mt-bank#people) ([Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026), [Forbes](https://www.forbes.com/sites/peterhigh/2026/08/28/how-mt-bank-built-a-technology-powerhouse-in-buffalo/)) | Employees on Copilot: 16,000 of 22,000 (Sep 18, 2025) ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | Not disclosed | [8 open AI roles (Oct 1, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/mt-bank#roles) |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | Layer 6 and TD AI Prism ([TD Bank Group](https://stories.td.com/ca/en/news/2025-06-11-td-announces-launch-of-groundbreaking-predictive-foundation), [TD Bank Group](https://stories.td.com/ca/en/news/2026-05-21-td-launches-agentic-ai-to-transform-real-estate-secured-lend), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af), [American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking)) | [13, incl. Maksims Volkovs (SVP and Chief AI Scientist, Layer 6)](https://www.bankingnewsai.com/banks/td-bank-us#people) ([American Banker](https://www.americanbanker.com/news/td-banks-maksims-volkovs-is-4-on-the-most-innovative-people-in-finance-ranking), [TD Bank Group](https://stories.td.com/ca/en/news/2026-01-16-td-wins-big-innovation-awards-for-fifth-consecutive-year-e2-80-af)) | AI value target: C$200 million (FY2026), C$1 billion a year medium term (Aug 27, 2026) ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [Banking Dive](https://www.bankingdive.com/news/td-investor-day-ceo-chun-salom-cost-cuts-branches/761458/)) | 5 patents listed on the profile, e.g. US 2024/0127036 A1 (Multi-event time-series encoding) ([Google Patents (USPTO)](https://patents.google.com/patent/US20240127036A1/en)) | [12+ open AI roles (Oct 1, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/td-bank-us#roles) |
| [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | SAVI internal assistant (Claude on Amazon Bedrock) and Talkdesk AI contact centre ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/), [Talkdesk](https://www.talkdesk.com/blog/bankunited-crushes-cx-104-percent-increase-net-promoter-score/), [Talkdesk](https://www.talkdesk.com/news-and-press/press-releases/talkdesk-cxa/), [Talkdesk](https://www.talkdesk.com/customers/bankunited/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000011/bku-20251231.htm)) | [11, incl. Rajinder Singh (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/bankunited#people) ([BankUnited](https://ir.bankunited.com/node/13726/pdf)) | Not disclosed | Not disclosed | Not surveyed |
| [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) |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | [6, incl. Frank Sorrentino III (Chairman and CEO)](https://www.bankingnewsai.com/banks/connectone#people) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | Banking Advisor active users: Up 41% in 10 weeks (Jul 14, 2026) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) | Not disclosed | Not surveyed |
| [Dime Commercial Bancshares](https://www.bankingnewsai.com/banks/dime) | Not disclosed | [4, incl. Stuart Lubow (President and CEO)](https://www.bankingnewsai.com/banks/dime#people) ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) | Executive officers in the 2026 proxy with an AI or data title: 0 of 14 (one technology and operations officer) (Apr 13, 2026) ([Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000110465926042646/dcom-20260528xdef14a.htm)) | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of Valley 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 13, 2026 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | Agentic AI extended to mortgage funding and discharge ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html)) |
| Oct 9, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Third-quarter 2026 results set for 23 October ([Flagstar Bank (PR Newswire)](https://prnewswire.com/news-releases/flagstar-bank-na-to-report-third-quarter-2026-earnings-and-host-conference-call-on-october-23rd-302902712.html)) |
| Oct 6, 2026 | [TD](https://www.bankingnewsai.com/banks/td-bank-us) | US survey: 69% would let a bank AI assistant complete a financial task ([TD Bank U.S. (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/nearly-7-10-americans-let-123000213.html)) |
| Oct 1, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| Oct 1, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | Riley: AI lets her 'vibe code' a CRM tool herself ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-1-christiana-riley-santander-u-s)) |
| Sep 29, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Robbins on CNBC: AI agents not a threat to regional banks ([CNBC](https://cnbc.com/video/2026/09/29/valley-national-ceo-ira-robbins-ai-agents-not-a-threat-to-regional-banks.html)) |
| Sep 28, 2026 | [Valley](https://www.bankingnewsai.com/banks/valley) | Bluevine acquired for $340 million to accelerate the AI roadmap ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Banking Dive](https://www.bankingdive.com/news/valley-national-bank-acquire-fintech-bluevine-340m-small-business-banking/831503/)) |
| Sep 25, 2026 | [M&T](https://www.bankingnewsai.com/banks/mt-bank) | FinTech Futures profiles the RDC.AI deployment at M&T ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/bringing-explainable-ai-to-commercial-and-business-banking)) |
| Sep 23, 2026 | [Santander](https://www.bankingnewsai.com/banks/santander-us) | Santander AI Lab launches A2K, a protocol for agent-to-knowledge access ([Banco Santander](https://www.santander.com/en/stories/a2k-a-new-protocol-for-connecting-ai-agents-to-governed-auditable-enterprise-knowledge)) |
| Aug 21, 2026 | [Flagstar](https://www.bankingnewsai.com/banks/flagstar) | Pope ties the real-time core to fraud and AI ([Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/)) |
| 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 12, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | New Jersey push ([American Banker](https://www.americanbanker.com/news/new-jersey-is-latest-frontier-in-n-y-banks-reinvention)) |
| Aug 6, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 10-Q has no AI discussion ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1504008/000150400826000079/bku-20260630.htm)) |
| Aug 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)) |
| Aug 4, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Q1 and Q2 2026 10-Qs carry no AI language ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm)) |
| Jul 31, 2026 | [Dime](https://www.bankingnewsai.com/banks/dime) | Q2 2026 10-Q has no AI text ([Dime Commercial Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000043/dcom-20260630x10q.htm), [Dime Community Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/846617/000084661726000013/dcom-20251231x10k.htm)) |
| Jul 23, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Second-quarter 2026 results ([ConnectOne Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/23/3331988/25238/en/ConnectOne-Bancorp-Inc-Reports-Second-Quarter-2026-Results.html)) |
| Jul 22, 2026 | [BankUnited](https://www.bankingnewsai.com/banks/bankunited) | Q2 2026 call: staying out of data-centre lending ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/bankunited-inc-q2-2026-earnings-123000032.html)) |

## How does Valley compare with JPMorgan Chase, Bank of America and TD Bank in its home market?

Valley's 10-K ranks it 10th by deposits in the New York, Northern New Jersey and Long Island market. The banks ahead of it with large branch networks, their share of the New York-Newark-Jersey City MSA (FDIC, June 30, 2025) and what each has disclosed on customer AI.

| Bank | New York-area deposit share (offices) | Customer AI | Staff AI |
| --- | --- | --- | --- |
| Valley | 1.36% (166) | AI knowledge assistants for customer-care agents; a voice agent for auto-loan collections | About 80 open-access users of about 3,600 staff; five access tiers (July 2026) ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=New%20York-Newark-Jersey%20City,%20NY-NJ&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| JPMorgan Chase | 34.73% (662) | No consumer assistant launched; a consumer travel agent targeted for pilot before the end of 2026 | LLM Suite: 150,000 weekly users (February 2026) ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=New%20York-Newark-Jersey%20City,%20NY-NJ&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |
| Bank of America | 6.51% (339) | Erica: helps more than 24.6 million clients; 3.6 billion interactions since 2018 | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=New%20York-Newark-Jersey%20City,%20NY-NJ&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [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)) |
| TD Bank US | 3.26% (363) | AI agents in collections: connect rate 20-25% against 6-7% with people (September 2026) | 1,800 US developers on GitHub Copilot; over 40,000 group colleagues using a Copilot tool ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=New%20York-Newark-Jersey%20City,%20NY-NJ&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Investing.com](https://investing.com/news/transcripts/td-bank-at-scotiabank-summit-profit-gains-ai-push-lift-outlook-93CH-4894177), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html), [Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-td-q2-2026-earnings-184201327.html)) |

## How do Valley's disclosed AI savings compare with its peers' figures?

The value, savings or spending figures each bank has tied to AI or technology, with dates. Most banks disclose spending or adoption rather than AI returns.

| Bank | Figure | What it measures | Date |
| --- | --- | --- | --- |
| Valley | About $15 million run-rate savings against $3 million to $4 million of new AI expense; about $100 million saved over four years | AI savings net of AI spend; digital transformation | June and July 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking)) |
| TD Bank Group | About C$195 million of AI value in nine months; C$1 billion a year targeted | AI value delivered | July and August 2026 ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/)) |
| Santander (group) | €35 million of AI business value in Q1 2026; more than €1 billion targeted by 2028 | AI business value | February and June 2026 ([Banco Santander](https://www.santander.com/en/stories/santander-turns-its-ai-first-strategy-into-measurable-impact-and-extends-ai-access-to-all-185000-employees), [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push)) |
| M&T | More than $1.2 billion of technology spending in 2025 | Technology budget | 2025 ([AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/)) |
| F.N.B. | More than $100 million of cumulative cost savings since 2019 | Efficiency program | November 2025 ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) |
| Flagstar | $40 million to $45 million a year expected from core consolidation; software expense up 20% | Core savings; software cost | August 2026 ([Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/), [Flagstar Bank (SEC filings)](https://www.sec.gov/Archives/edgar/data/910073/000091007326000068/fbc-20260630.htm)) |

## How do Valley's AI assistants and agents compare with its peers'?

The named assistant or agent platform each bank has described and the usage it reported.

| Bank | Assistant or platform | Usage or result | Date |
| --- | --- | --- | --- |
| Valley | Valley's AI Assistant with custom gen-AI agents built by the AI and data science team | Three vendor contracts replaced; about 80 power users | April and July 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Banking Dive](https://www.bankingdive.com/news/valley-bank-ai-strategy-roi-vendors-midsize-lenders/824927/)) |
| Flagstar | StarIQ, part of the 12-component S2 platform, orchestrating four foundation models | Not disclosed | June and July 2026 ([Flagstar Bank](https://ir.flagstar.com/news-and-events/news-releases/press-release-details/2026/FLAGSTAR-BANK-ANNOUNCES-PROPRIETARY-TECHNOLOGY-TRANSFORMATION/default.aspx), [American Banker](https://www.americanbanker.com/leaders/the-ai-enabled-bank-reimagining-retail-banking-from-branch-to-mobile)) |
| M&T | Microsoft Copilot; generative-AI call summaries | About 6 minutes saved per call | September 2026 ([Fast Company](https://www.fastcompany.com/91596458/michael-wisler-m-t-bank-pacesetters-2026)) |
| ConnectOne | nCino Banking Advisor and custom agents | Active users up 41% in 10 weeks; document search from about 20 minutes to 30 seconds | July 2026 ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) |
| BankUnited | SAVI policy assistant (AWS case study) | 95% accuracy; answers in under 10 seconds across about 400 policy documents | Undated; retrieved September 2026 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/bankunited-case-study/)) |
| TD Bank US | Layer 6 and TD AI Prism; AI knowledge tool for contact-center agents | 80% of contact-center agents using it in month one | November 2025 ([American Banker](https://americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans)) |

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

Valley National Bancorp is compared here with Flagstar Bank, Santander US, M&T Bank, TD Bank (U.S.), BankUnited, F.N.B. Corporation, ConnectOne Bancorp and Dime Commercial Bancshares: chosen by the editors for this page (see the note below the table). Valley National Bancorp is classed as a regional or retail-commercial bank in the Northeast.

The computed group mixed in Columbia, UMB and Old National from the West and Midwest; this group holds the banks Valley meets in the New York, New Jersey and Florida deposit markets its 10-K ranks it in, from the large regionals (TD Bank US, Santander US with Webster, M&T) to Flagstar, BankUnited, ConnectOne and Dime, and three of them (Flagstar, BankUnited and F.N.B.) sit in Valley's own 2025 proxy peer group.

## Common questions

### Is Valley better than M&T at AI?

The record cannot settle capability. The two score close on this site's disclosure index, Valley 76.6 and M&T 75.5. M&T reports broad staff adoption (about 16,000 of 22,000 employees on Copilot) and more than $1.2 billion of 2025 technology spending; Valley reports more use cases in production and nets AI savings (about $15 million) against AI spending ($3 million to $4 million). ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai), [AI News](https://www.artificialintelligence-news.com/news/mt-bank-enterprise-ai-15000-employees/), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))

### How does Valley's AI compare with TD Bank and Santander?

Both have put more on the record: TD Bank US scores 91.8 and Santander US 87.2 against Valley's 76.6. TD reports about C$195 million of AI value in nine months of fiscal 2026; Santander's group targets more than €1 billion of AI value by 2028. Valley's figures are smaller but specific to the bank, such as about $15 million of run-rate AI savings. ([PYMNTS](https://www.pymnts.com/earnings/2026/td-bank-unlocks-141-million-dollars-ai-value-months-ahead-schedule/), [Bloomberg](https://bloomberg.com/news/articles/2026-02-25/santander-s-botin-sees-1-billion-ai-boost-amid-efficiency-push), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))

### Does Valley Bank have an AI assistant for customers?

Valley's disclosed customer-facing AI is an autonomous voice agent that calls past-due auto-loan customers; its AI knowledge assistants serve customer-care staff. Bluevine, which Valley agreed to buy in September 2026, says about 80% of its inbound inquiries are AI-contained. Bank of America's Erica helps more than 24.6 million clients. ([Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

### Why did Valley buy Bluevine?

Valley says the $340 million deal accelerates its digital small-business strategy and core funding: Bluevine brings about 175,000 small-business customers, $2.1 billion of core deposits and about 180 engineering, product and data-science staff, and its deck frames the platform as production-grade AI built in-house. ([Valley National Bancorp (SEC filings, Form 8-K Exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex991.htm), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000119312526403391/d31493dex992.htm))

### Who leads AI at Valley National Bank?

Chief operating officer Russell Barrett, ranked No. 47 on American Banker's 2026 Most Innovative People in Finance list, leads the transformation, and Nickolaus Lachman, head of AI and data science, builds the custom agents. Michael Rappaport has led the Valley Foundry since September 2026. Santander US names 23 AI-linked leaders on this site against Valley's 14. ([American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://digital-banking.americanbanker.com/profile/nickolas-lachman), [Valley National Bank via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609090800BIZWIRE_USPRX____20260909_BW172254-1))

### How does Valley compare with Flagstar on technology?

Valley scores 76.6 and Flagstar 65.3 on this site's disclosure index. Flagstar is rebuilding on its S2 platform, cut six data centers to two and expects $40 million to $45 million a year from core consolidation; Valley moved more than 80% of data-center capacity to the cloud and reports AI savings directly. ([American Banker](https://www.americanbanker.com/news/how-flagstar-bank-integrated-its-acquired-data-centers), [Banking Dive](https://www.bankingdive.com/news/flagstar-bank-fiserv-finxact-cloud-native-core-tech-modernization/828477/), [American Banker](https://americanbanker.com/news/valley-banks-russell-barrett-is-47-on-the-most-innovative-people-in-finance-ranking), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html))

### What does Valley expect AI to do to bank efficiency?

CEO Ira Robbins said on July 23, 2026 that effective AI adoption could improve bank efficiency ratios by about 500 basis points, roughly 65% from expenses and 35% from revenue. Valley's own non-GAAP efficiency ratio improved from 55.2% in Q2 2025 to 52.1% in Q2 2026. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/valley-national-bancorp-vly-q2-014436578.html), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/07/23/valley-national-bancorp-vly-q2-2026-earnings-call-transcript), [Valley National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/714310/000071431026000036/a2q26earningspresentatio.htm))

## Peers on this site

- [Flagstar Bank AI strategy](https://www.bankingnewsai.com/banks/flagstar) · [vs peers](https://www.bankingnewsai.com/banks/flagstar/vs-peers)
- [Santander US AI strategy](https://www.bankingnewsai.com/banks/santander-us) · [vs peers](https://www.bankingnewsai.com/banks/santander-us/vs-peers)
- [M&T Bank AI strategy](https://www.bankingnewsai.com/banks/mt-bank) · [vs peers](https://www.bankingnewsai.com/banks/mt-bank/vs-peers)
- [TD Bank (U.S.) AI strategy](https://www.bankingnewsai.com/banks/td-bank-us) · [vs peers](https://www.bankingnewsai.com/banks/td-bank-us/vs-peers)
- [BankUnited AI strategy](https://www.bankingnewsai.com/banks/bankunited) · [vs peers](https://www.bankingnewsai.com/banks/bankunited/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [ConnectOne Bancorp AI strategy](https://www.bankingnewsai.com/banks/connectone) · [vs peers](https://www.bankingnewsai.com/banks/connectone/vs-peers)
- [Dime Commercial Bancshares AI strategy](https://www.bankingnewsai.com/banks/dime) · [vs peers](https://www.bankingnewsai.com/banks/dime/vs-peers)

## Sources

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80. How Citi, Citizens, TD deploy AI agents without upsetting humans — American Banker, Nov 20, 2025. https://americanbanker.com/news/how-citi-citizens-td-deploy-ai-agents-without-upsetting-humans
81. Valley Bank Launches Valley Foundry, Names Michael Rappaport to Lead — Valley National Bank via FT Markets, Sep 9, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609090800BIZWIRE_USPRX____20260909_BW172254-1
82. Valley National Bancorp (VLY) Q2 2026 Earnings Call Transcript — Earnings call transcript (The Motley Fool), Jul 23, 2026. https://fool.com/earnings/call-transcripts/2026/07/23/valley-national-bancorp-vly-q2-2026-earnings-call-transcript

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