# WaFd, Inc. vs peers: AI and technology compared

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

*Part of the [WaFd, Inc. AI strategy profile](https://www.bankingnewsai.com/banks/wafd). Peer group: Columbia Banking System, Banner Corporation, Zions Bancorporation, Western Alliance Bancorporation, First Interstate BancSystem, Glacier Bancorp, Banc of California.*

## How does WaFd, Inc. compare with its peers on AI and technology?

On this site's AI disclosure index WaFd scores 52.3 (#55 of 120 US banks), fourth in an eight-bank group of Western regionals. Western Alliance (71.8), Columbia (63.3) and Zions (59.6) are ahead of it, First Interstate (51.3) is close to level, and Banner (36.7), Banc of California (34.7) and Glacier (2) are behind. WaFd's distinction is technology built in-house. Its Pike Street Labs unit, formed in 2019, built an Amazon Lex voicebot that made balance inquiries 95% faster and cut calls to live representatives by 45% for voice-enrolled customers. That unit was spun out as Archway in 2023. In April 2026 CEO Brent Beardall said AI assistance had more than doubled the pace of WaFd's software development. AWS reports that WaFd moved 80% of its workloads to the cloud in one year (May 2026). It trails on counted adoption and on follow-through. Zions reported 56% of its workforce using generative AI (September 2025). Western Alliance put 150,000+ employee hours saved on the record at its May 2026 investor day. Columbia says its AI agents now send seven client-message responses for every human one (September 2026). WaFd said in April 2026 that an AI call-center agent would launch the next quarter, but its July call did not mention it. WaFd is also mid-transition: on September 7, 2026 it agreed a $3.9 billion reverse merger with EverBank. The deal is expected to close in the first quarter of 2027, and 27 integration workstreams are already deciding core, accounting and HR systems. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Business Wire](https://businesswire.com/news/home/20230228005316/en/Archway-Announces-%2415-million-in-Series-A-Funding-to-Bring-a-Modern-Banking-Platform-to-Community-and-Regional-Banks), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm))

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

- **A self-service voicebot with measured results, built in-house.** AWS's 2024 case study says WaFd's Pike Street Labs built an Amazon Lex voicebot with voice biometrics that made balance inquiries 95% faster and cut calls to live representatives by 45% for voice-enrolled customers. Banner's virtual assistant answers 24 hours a day, and Glia gave it a 2025 award for hand-offs to staff, but Banner discloses no result figure of that kind. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Amazon Web Services](https://aws.amazon.com/blogs/machine-learning/create-powerful-self-service-experiences-with-amazon-lex-on-talkdesk-cx-cloud-contact-center/), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Glia](https://www.glia.com/news/glia-announces-2025-catalyst-awards-winners-celebrating-ai-driven-breakthroughs-in-community-banking))
- **AI-assisted development at twice the pace.** Beardall said in April 2026 that AI assisting WaFd's in-house developers has more than doubled the pace of development. Banc of California reports more than 80% of developers using AI daily (April 2026), and Columbia lists automated code generation, debugging and documentation in its October 2025 deck. Neither gives a speed figure. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm))
- **A customer-satisfaction lead it measures against peers.** WaFd's September 2026 merger deck puts its net promoter score at 58 against a peer median of 8; on its October 2025 call it said the score had risen from 17 eight years earlier. WaFd auto-approves 44% of online deposit-account applications (October 2025). Glacier's 2025 annual report describes no AI use. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063), [SEC EDGAR](https://sec.gov/Archives/edgar/data/868671/000086867126000041/ars.pdf))

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

- **Fewer of its own disclosures than almost any peer.** WaFd scores 9 on its own primary disclosures, eighth of eight; Banner scores 21. WaFd's fiscal 2025 10-K added a dedicated AI risk factor, but its fiscal third-quarter call on July 17, 2026 made no reference to AI. Banner's 2026 proxy discloses a board-approved generative-AI policy, and Zions' 2025 10-K describes a Data and AI Governance Committee. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm))
- **No adoption counts while Zions, Western Alliance and Columbia publish theirs.** WaFd gives no share of staff using AI and no hours saved. Zions reported 56% of its workforce using generative AI (September 2025). Western Alliance's CIO put the savings at 150,000+ employee hours and $10 million+ of productivity (May 2026). Columbia's chief administrative officer said client messages get seven AI-agent responses for every human one (September 2026). ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099))
- **A promised AI call-center agent with no launch on the record.** On April 17, 2026 WaFd said its AI-powered call-center agent would launch the next quarter. The July 17 call did not mention it or the new mobile app. Columbia, by contrast, reported in April 2026 that its AI assistant had moved support from two human calls per AI chat to three AI chats per human call. ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))
- **Not among the Fiserv agentOS banks, unlike First Interstate.** WaFd's agent work is a pilot of nCino's Analyst Digital Partner for credit risk and financial analysis (September 2026). First Interstate is running a commercial loan-onboarding agent pilot on Fiserv's agentOS, which Fiserv says has 'measurable results' (May 2026). ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai), [Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai))

## Where does WaFd 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 |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | [63.3](https://www.bankingnewsai.com/banks/ai-index) | #45 of 120 | [10](https://www.bankingnewsai.com/banks/columbia#sources) | [14](https://www.bankingnewsai.com/banks/columbia#sources) | [15 of 16](https://www.bankingnewsai.com/banks/columbia#where) | [16](https://www.bankingnewsai.com/banks/columbia#timeline) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | [59.6](https://www.bankingnewsai.com/banks/ai-index) | #48 of 120 | [11](https://www.bankingnewsai.com/banks/zions#sources) | [10](https://www.bankingnewsai.com/banks/zions#sources) | [10 of 16](https://www.bankingnewsai.com/banks/zions#where) | [13](https://www.bankingnewsai.com/banks/zions#timeline) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) |
| [WaFd, Inc. (this page)](https://www.bankingnewsai.com/banks/wafd) | [52.3](https://www.bankingnewsai.com/banks/ai-index) | #55 of 120 | [8](https://www.bankingnewsai.com/banks/wafd#sources) | [9](https://www.bankingnewsai.com/banks/wafd#sources) | [9 of 13](https://www.bankingnewsai.com/banks/wafd#where) | [18](https://www.bankingnewsai.com/banks/wafd#timeline) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | [51.3](https://www.bankingnewsai.com/banks/ai-index) | #56 of 120 | [7](https://www.bankingnewsai.com/banks/first-interstate#sources) | [17](https://www.bankingnewsai.com/banks/first-interstate#sources) | [5 of 11](https://www.bankingnewsai.com/banks/first-interstate#where) | [21](https://www.bankingnewsai.com/banks/first-interstate#timeline) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | [36.7](https://www.bankingnewsai.com/banks/ai-index) | #80 of 120 | [3](https://www.bankingnewsai.com/banks/banner#sources) | [21](https://www.bankingnewsai.com/banks/banner#sources) | [9 of 12](https://www.bankingnewsai.com/banks/banner#where) | [15](https://www.bankingnewsai.com/banks/banner#timeline) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | [34.7](https://www.bankingnewsai.com/banks/ai-index) | #82 of 120 | [1](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [21](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [10 of 14](https://www.bankingnewsai.com/banks/banc-of-california#where) | [15](https://www.bankingnewsai.com/banks/banc-of-california#timeline) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | [2](https://www.bankingnewsai.com/banks/ai-index) | #117 of 120 | [3](https://www.bankingnewsai.com/banks/glacier#sources) | [18](https://www.bankingnewsai.com/banks/glacier#sources) | [7 of 10](https://www.bankingnewsai.com/banks/glacier#where) | [14](https://www.bankingnewsai.com/banks/glacier#timeline) | Not disclosed |

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

Each row is one input of the index, counted on the profiles of WaFd Bank and the 7 peers that are scored on the same basis. "Place" is WaFd Bank's position in the group of 8 (1st = most).

| Component (weight) | WaFd Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 8 | 7 | [Western Alliance (13)](https://www.bankingnewsai.com/banks/western-alliance) | 4th of 8 |
| Use cases in production (10%) | 9 | 10 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 5th of 8 |
| Own primary disclosures (10%) | 9 | 17 | [Banner Bank (21)](https://www.bankingnewsai.com/banks/banner) | 8th of 8 |
| Dated moves, last 12 months (10%) | 18 | 15 | [First Interstate (21)](https://www.bankingnewsai.com/banks/first-interstate) | 2nd of 8 |
| Disclosed numbers (5%) | 14 | 14 | [Zions (16)](https://www.bankingnewsai.com/banks/zions) | 4th of 8 |
| Named AI leaders (5%) | 8 | 9 | [Columbia (13)](https://www.bankingnewsai.com/banks/columbia) | 5th of 8 |
| Use cases described (5%) | 13 | 14 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 5th of 8 |

## What has each bank in WaFd 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 |
| --- | --- | --- | --- | --- | --- |
| [WaFd, Inc.](https://www.bankingnewsai.com/banks/wafd) | Build 2030 digital focus: next-generation mobile app and planned AI call-centre agent ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap)) | [8, incl. Brent Beardall (President and CEO)](https://www.bankingnewsai.com/banks/wafd#people) ([WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-press-release-20260716.pdf), [WaFd, Inc.](https://wafdbank.com/documents/financial-news/2026/wafd-bank-investor-presentation-20260727.pdf), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm)) | Software development pace with AI assistance: > 2x (Apr 17, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html)) | Not disclosed | Not surveyed |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) | [13, incl. Clint Stein (President and CEO, Columbia Banking System)](https://www.bankingnewsai.com/banks/columbia#people) ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat)) | Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/columbia#roles) |
| [Banner Corporation](https://www.bankingnewsai.com/banks/banner) | Digital platform and AI capability investments; Banner Virtual Assistant ([StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html), [Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | [6, incl. Mark J. Grescovich (President and CEO)](https://www.bankingnewsai.com/banks/banner#people) ([Banner Corporation](https://investor.bannerbank.com/news/news-details/2026/Banner-Corporation-to-Acquire-Pacific-Financial-Corporation), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/banr-q1-deep-dive-deposit-084523380.html)) | Banner Virtual Assistant availability: 24 hours a day, 7 days a week; staff 7 a.m. to 7 p.m. PT weekdays by phone (Sep 24, 2026) ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in AI security](https://www.bankingnewsai.com/banks/banner#roles) |
| [Zions Bancorporation](https://www.bankingnewsai.com/banks/zions) | A modern core plus a Gemini-based enterprise AI platform ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Banking Dive](https://www.bankingdive.com/news/zions-jennifer-smith-cio-technology-operations-chief-leaving-mayer-collins/813657/)) | [11, incl. Harris Simmons (Chairman and CEO, Zions Bancorporation)](https://www.bankingnewsai.com/banks/zions#people) ([American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Reuters](https://reuters.com/business/finance/zions-bancorps-quarterly-profit-rises-interest-income-offsets-loan-loss-2025-10-20)) | Workforce using generative AI: 56% (Sep 24, 2025) ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation)) | Not disclosed | Not surveyed |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Fiserv agentOS pilot and the 'one clean data source' project ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-interstate-bancsystem-q1-earnings-182457679.html)) | [9, incl. Jim Reuter (President and CEO)](https://www.bankingnewsai.com/banks/first-interstate#people) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai), [American Banker](https://americanbanker.com/news/why-one-regional-bank-is-shrinking-after-years-of-rapid-growth)) | Banks co-developing agents with Fiserv: 6 (First Interstate among them) (May 14, 2026) ([American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | Not disclosed | Not surveyed |
| [Glacier Bancorp](https://www.bankingnewsai.com/banks/glacier) | Not disclosed | [6, incl. Randy Chesler (President and CEO)](https://www.bankingnewsai.com/banks/glacier#people) ([American Banker](https://americanbanker.com/news/glacier-bancorp-to-acquire-texas-bank-in-476-million-deal), [American Banker](https://americanbanker.com/news/glacier-in-montana-takes-prolific-acquisition-strategy-to-idaho)) | Full-time-equivalent employees / locations, 31 December 2025 (2024): 4,087 / 281 (3,441 / 227) (Dec 31, 2025) ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000023/gbci-20251231.htm)) | Not disclosed | Not surveyed |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) | [5, incl. Jared Wolff (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/banc-of-california#people) ([American Banker](https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf)) | Developers using AI in daily workflows: More than 80% (Apr 23, 2026) ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/banc-of-california#roles) |

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

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

| Date | Bank | Move |
| --- | --- | --- |
| Oct 16, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | Q4 FY2026 call: EverBank merger, no AI update ([Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-q4-2026-profit-misses-revenue-beats-93CH-4954491)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 15, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Barclays conference: AI answers most client messages ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Sep 10, 2026 | [WaFd Bank](https://www.bankingnewsai.com/banks/wafd) | nCino: WaFd piloting Analyst Digital Partner for credit risk ([nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Sep 2, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Glacier Bank invests in the Cari tokenised-deposit network ([Cari via Business Wire (Morningstar)](https://morningstar.com/news/business-wire/20260902910423/cari-raises-over-30-million-in-first-tranche-of-initial-funding-round-backed-entirely-by-banks)) |
| Sep 1, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Pacific Financial acquisition completed ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000184/banrclosingpressrelease9-1.htm)) |
| Aug 21, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| Aug 7, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 10-Q lists AI among competing technologies ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm)) |
| Aug 6, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Q2 2026 10-Q lists AI among emerging-technology risks ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000111/zions-20260630.htm), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000083/zions-20260331.htm)) |
| Aug 5, 2026 | [Zions](https://www.bankingnewsai.com/banks/zions) | Zest AI says Zions Bank selected it for lending decisions ([Zest AI](https://www.zest.ai/company/announcements/zest-ai-delivers-record-first-half-fueled-by-77-growth-as-lenders-scale-ai/)) |
| Aug 4, 2026 | [Glacier](https://www.bankingnewsai.com/banks/glacier) | Q2 2026 10-Q repeats the AI risk language ([Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000069/gbci-20260630.htm)) |
| Aug 4, 2026 | [Banner Bank](https://www.bankingnewsai.com/banks/banner) | Q2 2026 10-Q: IT and data services expense up 26% ([Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm)) |
| Aug 4, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Second-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm)) |
| Aug 3, 2026 | [First Interstate](https://www.bankingnewsai.com/banks/first-interstate) | Q2 2026 10-Q: no material change to risk factors ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000084/fibk-20260630.htm)) |
| Jul 29, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 call: APIs added, no AI remarks ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/)) |

## How does WaFd's customer-service AI compare with its Western peers'?

The assistant or contact-center AI each bank has disclosed, with any result and its date. Vendor-reported figures are marked.

| Bank | Assistant or contact-center AI | Result disclosed | Date |
| --- | --- | --- | --- |
| WaFd | Amazon Lex voice and chat bots with voice biometrics on Talkdesk; an AI call-center agent announced for the April-June 2026 quarter | Balance inquiries 95% faster; 45% fewer calls to live representatives for voice-enrolled customers (AWS) | August 2024; April 2026 ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html)) |
| Columbia | About three AI applications for call-center agents and customers, including an AI assistant | Seven AI-agent responses per human response; 30% more customers with flat call-center staff | September 2026 ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Banner | Banner Virtual Assistant, with staff hand-off | Available 24/7; Glia 2025 Harmonizer Award | October 2025 ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Glia](https://www.glia.com/news/glia-announces-2025-catalyst-awards-winners-celebrating-ai-driven-breakthroughs-in-community-banking)) |
| Zions | AI in client authentication and fraud detection | Not disclosed | January and March 2026 ([Investing.com (conference transcript)](https://investing.com/news/transcripts/zions-at-rbc-capital-conference-strategic-growth-amid-challenges-93CH-4553545)) |
| Banc of California | Customer-service use cases among its AI deployments | Not disclosed | April 2026 ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |

## How does WaFd's internal use of AI compare with its peers'?

Internal AI programs and the figures each bank has attached to them.

| Bank | Program | Figure disclosed | Date |
| --- | --- | --- | --- |
| WaFd | AI-assisted software development; nCino Analyst Digital Partner pilot in commercial credit | Development pace more than doubled | April and September 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai)) |
| Western Alliance | Enterprise AI program with Microsoft Copilot | 150,000+ hours saved; $10 million+ productivity; lending cycle time −25% (projection) | May 2026 ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| Zions | Gemini-based enterprise platform and Genovate peer coaching | 56% of workforce using generative AI | September 2025 ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins)) |
| Banc of California | Copilot and AI coding tools | More than 80% of developers use AI daily | April 2026 ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| Columbia | 83 platforms and solutions using some form of AI; AI-checked data fields in the Pacific Premier conversion | 83 platforms | July 2025; April 2026 ([earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html)) |
| First Interstate | Fiserv agentOS commercial loan-onboarding agent pilot | Not disclosed | May 2026 ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Fiserv via Amazon press centre](https://press.aboutamazon.com/aws/2026/5/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking)) |

## How does WaFd's technology foundation compare with its peers'?

WaFd's foundation is in-house and cloud-first. Pike Street Labs, formed in 2019, built an S3 data lake, machine-learning offers on SageMaker and the bank's voicebot, then was spun out as Archway in 2023 with a $15 million Series A led by Madrona and WaFd. AWS says WaFd migrated 80% of its workloads to the cloud in one year (May 2026). In October 2025 the bank said 44% of online deposit applications were auto-approved. ([Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [Business Wire](https://businesswire.com/news/home/20230228005316/en/Archway-Announces-%2415-million-in-Series-A-Funding-to-Bring-a-Modern-Banking-Platform-to-Community-and-Regional-Banks), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063))

Peers have spent the same years on cores and integrations. Zions finished an 11-year replacement of its loan and deposit cores in 2024 and cut its deposit products from about 500 to about 100. Columbia rolled Pacific Premier's API marketplace across the combined bank by January 2026, and Banner fully rolled out a new loan and deposit origination system in late 2025. Glacier now runs one charter on one technology platform. WaFd's next step is the EverBank integration, where core systems are among the first decisions. ([American Banker](https://americanbanker.com/news/zions-leaders-reflect-on-lessons-learned-from-11-year-core-upgrade), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-columbia-banking-q4-2025-beats-expectations-93CH-4461705), [The Motley Fool](https://fool.com/earnings/call-transcripts/2026/04/21/banner-banr-q4-2025-earnings-call-transcript), [Glacier Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/868671/000086867126000065/exhibit991investorslides.htm), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm))

## How does WaFd govern AI compared with its peers?

WaFd's fiscal 2025 10-K added a dedicated AI risk factor covering generative and agentic AI, biased or harmful outputs, limited transparency and reliance on third-party models. Its chief risk officer, CIO and CISO report quarterly to the board's Risk Management Committee. The 10-K names no AI committee or AI officer, and the bank's AI work has been led by product and technology staff, from Pike Street Labs to its commercial product team. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap))

Several peers have written more down. Zions' 2025 10-K describes a Data and AI Governance Committee and says it uses no fully autonomous AI in critical decisions or client-facing activities. Banner's 2026 proxy discloses a board-approved generative-AI policy and a nominating process that now seeks AI expertise. First Interstate's board has a Technology, Innovation and Operations Committee. Western Alliance added an AI company's CISO to its board in December 2025. ([Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000025/fibk-20260415.htm), [Business Wire](https://businesswire.com/news/home/20251211183186/en/Western-Alliance-Bancorporation-Appoints-Two-New-Board-Members))

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

WaFd, Inc. is compared here with Columbia Banking System, Banner Corporation, Zions Bancorporation, Western Alliance Bancorporation, First Interstate BancSystem, Glacier Bancorp and Banc of California: chosen by the editors for this page (see the note below the table). WaFd, Inc. is classed as a regional or retail-commercial bank in the West.

The computed group mixed in two Hawaii banks and three Korean-American and Chinese-American banks from Los Angeles; this group holds the Western regional banks that operate in WaFd's own Pacific Northwest and Mountain West states, including its largest rivals in Washington, Oregon, Idaho and Arizona by FDIC deposit data.

## Common questions

### Is WaFd better than Western Alliance at AI?

The record cannot settle capability, but Western Alliance has put more on it: 71.8 on this site's disclosure index against WaFd's 52.3. Western Alliance put 150,000+ employee hours saved and $10 million+ of productivity value on the record in May 2026. WaFd's strongest figures are older: a 2024 AWS case study of its voicebot and a CEO remark that AI doubled development pace. ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html))

### How does WaFd compare with Columbia Banking System on AI?

Columbia scores 63.3 on the disclosure index and WaFd 52.3. Columbia says AI agents now answer seven client messages for every human response and that it took on 30% more customers with flat call-center staff (September 2026). WaFd built an Amazon Lex voicebot years earlier, but its announced AI call-center agent had no reported launch by October 2026. ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-posts-q3-2026-revenue-beat-eps-misses-slightly-93CH-4798729))

### Does WaFd have an AI assistant for customers?

It has a voice and chat bot on Amazon Lex with voice-biometric authentication, used for balances, transfers and account lookups since 2022. In April 2026 WaFd said a 24/7 AI-powered call-center agent would launch the next quarter. Its CEO has also said customers will always be able to reach a live banker. ([Talkdesk (Business Wire, via FinTech Futures)](https://fintechfutures.com/press-releases/wafd-banks-on-talkdesk-to-transform-customer-experiences), [Amazon Web Services](https://aws.amazon.com/blogs/machine-learning/create-powerful-self-service-experiences-with-amazon-lex-on-talkdesk-cx-cloud-contact-center/), [StockStory (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-q1-deep-dive-loan-200826038.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/17/wafd-wafd-q2-2026-earnings-call-transcript))

### What happens to WaFd's technology after the EverBank merger?

WaFd agreed on September 7, 2026 to a $3.9 billion reverse merger in which WaFd, Inc. becomes EverBank Financial Corp and WaFd Bank merges into EverBank, N.A., with closing expected in the first quarter of 2027. The merger deck says 27 integration workstreams are under way and key technology decisions, including core, accounting and HR systems, have advanced. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-1.htm), [WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000114036126035826/ef20081702_ex99-2.htm))

### How does WaFd's technology spending compare with its peers?

WaFd does not break out a technology budget; its non-interest expense of $110.3 million in the June 2026 quarter rose $6.0 million on compensation and technology. Western Alliance put its 2024 to 2026 technology investment at about $250 million. Banner's information and computer data services expense was $18.6 million in the first half of 2026. Banc of California's IT and data processing cost $55.5 million in 2025. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652826000061/wfsl-20260630.htm), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000172/banr-20260630.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm))

### Who leads AI at WaFd?

No one holds an AI title. Technology has been built through Pike Street Labs, now a subsidiary providing technology and data services to the bank, and AI pilots are run by business teams, such as Jill Boyle's commercial product group with nCino. Chief experience officer Cathy Cooper reports on digital releases. Zions, by contrast, has a Data and AI Governance Committee. ([WaFd, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/936528/000093652825000117/wfsl-20250930.htm), [nCino](https://ncino.com/en-SEA/blog/nsight-2026-recap), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-wafd-inc-misses-q4-2025-earnings-forecast-93CH-4295063), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm))

### How does WaFd compare with Banner on AI?

WaFd scores 52.3 on the disclosure index and Banner 36.7. Banner runs a 24/7 virtual assistant and discloses a board-approved generative-AI policy; WaFd has measured voicebot results and an AI-assisted development claim. Both hold about the same deposits in Washington: $8.7 billion for WaFd and $7.3 billion for Banner at June 30, 2025. ([Banner Bank](https://www.bannerbank.com/contact-us/banner-virtual-assistant), [Banner Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/946673/000094667326000114/banr-20260330.htm), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/archway-software-wafd-bank-case-study/), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/wafd-wafd-q2-2026-earnings-161443166.html), [FDIC](https://api.fdic.gov/banks/sod?filters=STALPBR%3A%22WA%22%20AND%20YEAR%3A2025&agg_by=CERT&agg_sum_fields=DEPSUMBR&agg_term_fields=NAMEFULL&agg_limit=1000&format=json))

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

Zions scores 59.6 on the disclosure index and WaFd 52.3. Zions reported 56% of its workforce using generative AI in September 2025, runs a Gemini-based enterprise platform, and its 2025 10-K describes a Data and AI Governance Committee and no fully autonomous AI in client decisions. WaFd moved 80% of workloads to the cloud in a year (AWS, May 2026) but discloses no adoption share. ([American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-3-jennifer-smith-zions-bancorporation), [American Banker](https://americanbanker.com/news/zions-revamped-tech-leadership-team-eyes-ai-stablecoins), [Zions Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/109380/000010938026000046/zions-20251231.htm), [Amazon Web Services](https://aws.amazon.com/solutions/case-studies/wafd-support-case-study/))

### How does WaFd compare with First Interstate on AI?

First Interstate scores 51.3 on the disclosure index and WaFd 52.3. Fiserv named First Interstate one of two pilot clients of its agentOS AI agents, with a commercial loan-onboarding agent (May 2026), and its CEO has called audit and compliance 'stare and compare' work ripe for AI. WaFd is piloting nCino's AI agent for credit risk and financial analysis (September 2026). ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html), [Fiserv via Amazon press centre](https://press.aboutamazon.com/aws/2026/5/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/06/02/fibk-q1-2026-earnings-transcript), [nCino](https://ncino.com/blog/commercial-relationship-reviews-two-days-agentic-ai))

## Peers on this site

- [Columbia Banking System AI strategy](https://www.bankingnewsai.com/banks/columbia) · [vs peers](https://www.bankingnewsai.com/banks/columbia/vs-peers)
- [Banner Corporation AI strategy](https://www.bankingnewsai.com/banks/banner) · [vs peers](https://www.bankingnewsai.com/banks/banner/vs-peers)
- [Zions Bancorporation AI strategy](https://www.bankingnewsai.com/banks/zions) · [vs peers](https://www.bankingnewsai.com/banks/zions/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [First Interstate BancSystem AI strategy](https://www.bankingnewsai.com/banks/first-interstate) · [vs peers](https://www.bankingnewsai.com/banks/first-interstate/vs-peers)
- [Glacier Bancorp AI strategy](https://www.bankingnewsai.com/banks/glacier) · [vs peers](https://www.bankingnewsai.com/banks/glacier/vs-peers)
- [Banc of California AI strategy](https://www.bankingnewsai.com/banks/banc-of-california) · [vs peers](https://www.bankingnewsai.com/banks/banc-of-california/vs-peers)

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