# Wintrust Financial Corporation vs peers: AI and technology compared

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

*Part of the [Wintrust Financial Corporation AI strategy profile](https://www.bankingnewsai.com/banks/wintrust). Peer group: Old National Bancorp, UMB Financial, Associated Banc-Corp, Popular, Inc., SouthState Bank, East West Bancorp, First Horizon, Columbia Banking System.*

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

Wintrust scores 38.1 on this site's US AI disclosure index (#76 of 120), eighth of the nine similar-sized regional banks in its peer group, ahead only of Popular (32.1) and behind SouthState (70.9), First Horizon (68.7), Old National (66), Columbia (63.3), Associated (56.8), East West (49.2) and UMB (47.9). It describes the fewest AI use cases in the group (9) and has eight independent sources against a peer median of 9.5, though it ranks third on its own disclosures. Three things separate it from named peers. Stance: CEO Tim Crane said on March 3, 2026 that Wintrust put governance first and is 'in the early stages', and that its first AI will come from switching on features in vendor packages such as nCino, Workday, Workiva and FIS; SouthState, by contrast, reports more than 2,500 premium Copilot users and about 90% of credit spreads done by AI (June 2026). Credit: Wintrust Specialty Finance uses AI for credit adjudication and originated more than 4,000 deals worth about $500 million in the first half of 2026 with 34 people, comparable in kind to First Horizon's AI-drafted credit memos. Oversight: the board IT/IS committee is chaired by a former Starbucks CTO and includes Morningstar's CIO, while Associated only created a board technology committee in April 2026. Where Wintrust trails is people: it names no AI executive, while Associated hired a senior director of AI for commercial banking in June 2026. ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000110465926041498/tm261521-1_def14a.htm), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking))

## Where does Wintrust lead its peers on AI?

- **A measured AI result in specialty lending.** Equipment Finance News reported on August 6, 2026 that Wintrust Specialty Finance uses AI for credit adjudication and originated more than 4,000 deals worth roughly $500 million in the first half of 2026 with a team of 34, which its CEO said would otherwise likely need two or three times the staff. SouthState reports AI in about 90% of credit spreads and First Horizon AI-drafted credit memos, but neither ties them to a volume or staffing outcome. ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760))
- **Technology veterans overseeing AI on the board.** Wintrust's IT/IS Committee, chaired by Deborah Hall Lefevre, Starbucks' CTO until September 2025, reviews the technology strategic plan and data strategy and includes Morningstar CIO Laura Kohl, whom the 2026 proxy credits with guiding Wintrust's AI objectives. Associated created its board technology committee only in April 2026. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000110465926041498/tm261521-1_def14a.htm), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee))
- **Growth on flat headcount, which peers state as a goal.** Crane said Wintrust grew 10% to 11% in 2025 with essentially flat headcount; the 10-K shows 5,902 full-time-equivalent employees against 5,903 a year earlier. First Horizon's CFO says AI is part of how its expenses stay flat (March 2026), and Old National stood up an AI centre of excellence in April 2026. ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-raymond-james-conference-strategic-growth-and-challenges-93CH-4538376), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html))

## Where does Wintrust trail its peers on AI?

- **The fewest AI use cases described in the group.** Wintrust's profile describes nine AI use cases, ninth of nine, against 20 for SouthState and a peer median of 12.5, and seven in production against Columbia's 15. Most of Wintrust's record is governance, vendor features and automation it does not call AI. ([Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))
- **AI largely absent from investor calls.** Wintrust's October 2025, January 2026 and April 2026 earnings calls contain no AI remarks; in July 2026 Crane named 'the early phases of AI' among drivers of technology expense. SouthState put an 'AI at SouthState' slide in its Q2 2026 deck, and Associated's CEO described 25 AI modules at the RBC conference in March 2026. ([Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q1-2026-earnings_call-544205.html), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q4-2025-earnings_call-401230.html), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q3-2025-earnings_call-365503.html), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-rbc-conference-strategic-growth-and-ai-integration-93CH-4555875))
- **No named AI executive.** Wintrust names no chief AI, data or analytics officer; technology sits with CIO Mike Ryan. Associated hired Andy Miner from U.S. Bank as senior director of AI for commercial banking in June 2026 and has a chief analytics officer, and SouthState has an AI enablement manager. ([Wintrust Financial Corporation](https://www.wintrust.com/find-expert/execs/mike-ryan.html), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Associated Bank newsroom](https://newsroom.associatedbank.com/releases/associated-bank-announces-hiring-of-abhishek-vaidya-senior-vice-president-chief-analytics-officer), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear))
- **No employee gen-AI rollout disclosed.** Wintrust has not disclosed an enterprise generative-AI assistant or its user count. SouthState reports 95% Copilot adoption and about 200,000 prompts a month (August 2026), and First Horizon's CEO says ChatFHN is in everybody's hands (September 2026). ([Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760))

## Where does Wintrust rank against its peers on AI disclosure?

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

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | [70.9](https://www.bankingnewsai.com/banks/ai-index) | #33 of 120 | [12](https://www.bankingnewsai.com/banks/southstate#sources) | [16](https://www.bankingnewsai.com/banks/southstate#sources) | [10 of 20](https://www.bankingnewsai.com/banks/southstate#where) | [20](https://www.bankingnewsai.com/banks/southstate#timeline) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [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)) |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | [56.8](https://www.bankingnewsai.com/banks/ai-index) | #49 of 120 | [11](https://www.bankingnewsai.com/banks/associated#sources) | [19](https://www.bankingnewsai.com/banks/associated#sources) | [4 of 11](https://www.bankingnewsai.com/banks/associated#where) | [17](https://www.bankingnewsai.com/banks/associated#timeline) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | [49.2](https://www.bankingnewsai.com/banks/ai-index) | #59 of 120 | [7](https://www.bankingnewsai.com/banks/east-west#sources) | [15](https://www.bankingnewsai.com/banks/east-west#sources) | [8 of 10](https://www.bankingnewsai.com/banks/east-west#where) | [18](https://www.bankingnewsai.com/banks/east-west#timeline) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | [47.9](https://www.bankingnewsai.com/banks/ai-index) | #61 of 120 | [7](https://www.bankingnewsai.com/banks/umb#sources) | [14](https://www.bankingnewsai.com/banks/umb#sources) | [9 of 10](https://www.bankingnewsai.com/banks/umb#where) | [16](https://www.bankingnewsai.com/banks/umb#timeline) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) |
| [Wintrust Financial Corporation (this page)](https://www.bankingnewsai.com/banks/wintrust) | [38.1](https://www.bankingnewsai.com/banks/ai-index) | #76 of 120 | [8](https://www.bankingnewsai.com/banks/wintrust#sources) | [16](https://www.bankingnewsai.com/banks/wintrust#sources) | [7 of 9](https://www.bankingnewsai.com/banks/wintrust#where) | [16](https://www.bankingnewsai.com/banks/wintrust#timeline) | Not disclosed |
| [Popular, Inc.](https://www.bankingnewsai.com/banks/popular) | [32.1](https://www.bankingnewsai.com/banks/ai-index) | #85 of 120 | [5](https://www.bankingnewsai.com/banks/popular#sources) | [14](https://www.bankingnewsai.com/banks/popular#sources) | [9 of 11](https://www.bankingnewsai.com/banks/popular#where) | [16](https://www.bankingnewsai.com/banks/popular#timeline) | Not disclosed |

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

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

| Component (weight) | Wintrust | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 8 | 9.5 | [First Horizon (17)](https://www.bankingnewsai.com/banks/first-horizon) | 6th of 9 |
| Use cases in production (10%) | 7 | 9 | [Columbia (15)](https://www.bankingnewsai.com/banks/columbia) | 7th of 9 |
| Own primary disclosures (10%) | 16 | 14.5 | [Old National (22)](https://www.bankingnewsai.com/banks/old-national) | 3rd of 9 |
| Dated moves, last 12 months (10%) | 16 | 17.5 | [First Horizon (22)](https://www.bankingnewsai.com/banks/first-horizon) | 6th of 9 |
| Disclosed numbers (5%) | 11 | 13.5 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 8th of 9 |
| Named AI leaders (5%) | 10 | 11.5 | [First Horizon (13)](https://www.bankingnewsai.com/banks/first-horizon) | 6th of 9 |
| Use cases described (5%) | 9 | 12.5 | [SouthState (20)](https://www.bankingnewsai.com/banks/southstate) | 9th of 9 |

## What has each bank in Wintrust'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 |
| --- | --- | --- | --- | --- | --- |
| [Wintrust Financial Corporation](https://www.bankingnewsai.com/banks/wintrust) | Not disclosed | [10, incl. Tim Crane (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/wintrust#people) ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html), [Wintrust Financial Corporation (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/10/02/3160702/11955/en/wintrust-financial-corporation-appoints-two-members-to-board-of-directors.html)) | Wintrust Specialty Finance originations, first half 2026 (with AI credit adjudication): More than 4,000 deals, roughly $500 million; team of 34 (Jun 30, 2026) ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/)) | Not disclosed | [1 open AI roles (Oct 5, 2026); most in responsible AI & governance](https://www.bankingnewsai.com/banks/wintrust#roles) |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#roles) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Integration first: the Heartland systems conversion ([American Banker](https://www.americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-15-uma-wilson-umb-bank), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october), [UMB Financial](https://blog.umb.com/economy-ai-impacts-on-the-markets/)) | [11, incl. Mariner Kemper (Chairman and CEO)](https://www.bankingnewsai.com/banks/umb#people) ([Banking Dive](https://www.bankingdive.com/news/umb-acquisitions-ceo-kemper-bank-deals/810866/), [American Banker](https://americanbanker.com/news/umbs-post-acquisition-systems-conversion-set-for-october)) | Earnings calls that discussed AI, Q3 2025 to Q2 2026: 1 of 4 (Q1 2026 only) (Jul 29, 2026) ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/01/26/umb-financial-q3-2025-earnings-call-transcript), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/21/umb-umbf-q4-2025-earnings-call-transcript), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html), [Investing.com (earnings call transcript)](https://investing.com/news/transcripts/earnings-call-transcript-umb-financial-tops-q2-2026-estimates-as-shares-rise-93CH-4820757)) | Not disclosed | Not surveyed |
| [Associated Banc-Corp](https://www.bankingnewsai.com/banks/associated) | Line-of-business AI under a chief data officer / CIO ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Banking Dive](https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/), [American Banker](https://digital-banking.americanbanker.com/profile/alexander-bush), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee)) | [12, incl. Andy Harmening (President and CEO)](https://www.bankingnewsai.com/banks/associated#people) ([Banking Dive](https://www.bankingdive.com/news/associated-bank-ceo-harmening-private-wealth-commercial/818566/), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607231615PR_NEWS_USPRX____CG11257-1)) | AI use cases in process: 30 (Sep 15, 2026) ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) | 1 patent listed on the profile, e.g. US 8,280,813 B2 (Debt protection for a financial overdraft account) ([Google Patents (USPTO)](https://patents.google.com/patent/US8280813B2/en)) | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/associated#roles) |
| [Popular, Inc.](https://www.bankingnewsai.com/banks/popular) | Not disclosed | [8, incl. Javier D. Ferrer (President and CEO, Popular, Inc.)](https://www.bankingnewsai.com/banks/popular#people) ([Popular, Inc. (SEC filings)](https://sec.gov/Archives/edgar/data/763901/000119312526313373/d863137d8k.htm), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/BPOP/earnings/BPOP-Q2-2026-earnings_call-653675.html)) | Employees using Microsoft 365 Copilot (active): More than 1,000 of more than 9,000 (Sep 15, 2025) ([Microsoft Source LATAM](https://news.microsoft.com/source/latam/features/ai/popular-luis-montalvo-copilot?lang=en)) | Not disclosed | Not surveyed |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [10, incl. John Corbett (Chief Executive Officer)](https://www.bankingnewsai.com/banks/southstate#people) ([PR Newswire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607231618PR_NEWS_USPRX____CL11246-1)) | Copilot users (premium / active basic): 2,500+ / 2,200+ (Jun 30, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | None found (the profile's patent search) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) | [1 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/southstate#roles) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | [9, incl. Dominic Ng (Chairman and CEO)](https://www.bankingnewsai.com/banks/east-west#people) ([East West Bancorp](https://eastwestbank.com/assets/docs/news-room/EWBC_4Q2025-Earnings-Release.pdf), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | 2026 expense growth guidance (includes AI, cyber and monitoring investment): 7% to 9% (Apr 21, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html)) | Not disclosed | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/east-west#roles) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [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) |

## What are the latest dated moves on the AI record of Wintrust 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 2, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Oct 1, 2026 | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Edmonds profiled for tokenized-deposit and instant-payments work ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-14-tara-edmonds-southstate-bank)) |
| Sep 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 15, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Barclays conference: 30 AI use cases in process ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |
| Sep 14, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Barclays conference: CFO describes everyday AI use ([Investing.com](https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251)) |
| Sep 8, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Equipment-finance unit writes on financing the AI boom ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/09/financing-the-ai-innovation-roadmap.html)) |
| Sep 1, 2026 | [Popular](https://www.bankingnewsai.com/banks/popular) | García takes over as CEO ([Popular, Inc.](https://newsroom.popular.com/English/about-us/leadership/default.aspx)) |
| Aug 26, 2026 | [Wintrust](https://www.bankingnewsai.com/banks/wintrust) | Wintrust insurance banking note: automated credit assessments, AI governance watch ([Wintrust Financial Corporation](https://wintrust.com/articles/2026/08/insurance-banking-rundown.html)) |
| Aug 24, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Third among top-performing banks over $50 billion ([American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| Aug 20, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| Aug 7, 2026 | [Popular](https://www.bankingnewsai.com/banks/popular) | Q2 2026 Form 10-Q: technology and software expenses $91.0 million ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000076390126000019/bpop-20260630.htm)) |
| Aug 5, 2026 | [Associated](https://www.bankingnewsai.com/banks/associated) | Guide on AI-powered social engineering ([Associated Bank](https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering)) |
| Aug 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)) |
| Jul 30, 2026 | [UMB](https://www.bankingnewsai.com/banks/umb) | Q2 2026 10-Q has no AI language ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526325054/umbf-20260630.htm)) |
| Jul 29, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |

## How does Wintrust's credit AI compare with its peers'?

What each bank has said about AI in underwriting and credit work. Results are the banks' own figures, measured differently.

| Bank | Credit AI | Result disclosed | Date |
| --- | --- | --- | --- |
| Wintrust | AI credit adjudication at Wintrust Specialty Finance (equipment lending); premium finance described as 'very automated', not as AI | More than 4,000 deals, about $500 million, first half 2026, with 34 staff | August 2026 ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/), [Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543)) |
| SouthState | AI credit spreading | About 90% of credit spreads done by AI; automated spreading up 57% since January 2026 | April-July 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926047690/ssb-20260423xex99d2.htm)) |
| First Horizon | AI spreads financial statements and tax returns towards a credit memo with a human in the loop | Not quantified | September 2026 ([Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |
| Old National | AI centre of excellence; first-line risk management named as the next target | Not quantified | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) |
| Associated | AI run by business line; a senior director of AI for commercial banking | 30 AI use cases in process (September 2026) | June-September 2026 ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556)) |

## How does Wintrust's internal AI compare with its peers'?

Named tools and reach as each bank has disclosed them.

| Bank | Approach | Reach disclosed | Date |
| --- | --- | --- | --- |
| Wintrust | Governance first; 'dozens of robotics-type, efficiency-type plays'; AI features switched on inside vendor packages (Workiva, Workday, nCino, FIS) | Not published | March 2026 ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543)) |
| SouthState | Microsoft Copilot and ChatGPT, tested before approval; a GenAI Knowledge Assistant | 2,500-plus premium Copilot users; 95% adoption | June-August 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear)) |
| First Horizon | ChatFHN, an in-house generative-AI tool | In everybody's hands | September 2026 ([Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760)) |
| Associated | 25 AI modules launched; workforce AI training | Not published | March 2026 ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-rbc-conference-strategic-growth-and-ai-integration-93CH-4555875)) |
| UMB | CEO: 'machine learning is being deployed across the whole organization'; calls 'AI' overused | Not published | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/umb-financial-umbf-q1-2026-160648739.html)) |
| East West | AI in email, documents and presentations; Power BI dashboards built in days | Not published | September 2026 ([Investing.com](https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251)) |

## Who oversees AI at Wintrust compared with its peers?

Board and executive ownership of AI as disclosed in proxies, filings and announcements.

| Bank | Board oversight | Executive owner | Date |
| --- | --- | --- | --- |
| Wintrust | IT/IS Committee chaired by former Starbucks CTO Deborah Hall Lefevre; Morningstar CIO Laura Kohl guides AI objectives | CIO Mike Ryan; no chief AI or data officer | April 2026 proxy ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000110465926041498/tm261521-1_def14a.htm), [Wintrust Financial Corporation](https://www.wintrust.com/find-expert/execs/mike-ryan.html)) |
| Associated | Board technology committee created April 2026 | Senior director of AI for commercial banking (June 2026); chief analytics officer (September 2025) | 2025-2026 ([Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Associated Bank newsroom](https://newsroom.associatedbank.com/releases/associated-bank-announces-hiring-of-abhishek-vaidya-senior-vice-president-chief-analytics-officer)) |
| UMB | Board Risk Committee oversees emerging technology including AI | AI under the Technology, Operations, Privacy and Security Committee within enterprise risk | March 2026 ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm), [UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526076496/umbf-20251231.htm)) |
| SouthState | Risk committee chaired by a former Southern Company CIO | AI Enablement Manager | 2026 ([SouthState Bank](https://southstatebank.com/global/about/stories-and-insights/leadership-through-a-technology-lens), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear)) |
| Popular | Technology Committee chaired by the CEO of a data and AI services firm | Chief information and digital strategy officer | 2026 ([Popular, Inc. (SEC filings)](https://www.sec.gov/Archives/edgar/data/763901/000114036126010858/ny20054271x2_def14a.htm), [Popular, Inc.](https://newsroom.popular.com/English/about-us/leadership/default.aspx)) |

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

Wintrust Financial Corporation is compared here with Old National Bancorp, UMB Financial, Associated Banc-Corp, Popular, Inc., SouthState Bank, East West Bancorp, First Horizon and Columbia Banking System: the US banks on this site nearest to it in business model (regional or retail-commercial bank) and assets on the Federal Reserve's large-bank list, with a preference for its home region (Midwest). Wintrust Financial Corporation is classed as a regional or retail-commercial bank in the Midwest.

## Common questions

### Is Wintrust behind other banks on AI?

On what it discloses, yes: this site's index scores Wintrust 38.1, eighth of nine similar-sized regionals. The CEO says Wintrust chose governance first and is in the early stages, starting with AI features inside vendor packages. Its one measured AI result is in equipment lending, where Wintrust Specialty Finance's AI credit adjudication supported more than 4,000 deals in the first half of 2026 with 34 people. ([Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546), [Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543), [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/))

### How does Wintrust's AI compare with Old National's?

Old National scores 66 on this site's index against Wintrust's 38.1 and has said more on calls: it stood up an AI centre of excellence and cut a legacy Power BI clean-up from about a month to a week (April 2026). Wintrust's record centres on governance, vendor features and AI credit adjudication in specialty finance. Both lean on vendors rather than building their own models. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543), [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/))

### How does Wintrust's AI compare with Associated Banc-Corp's?

Associated has put more on the record, 56.8 against 38.1 on this site's index: 25 AI modules (March 2026), 30 use cases in process (September 2026), a senior director of AI for commercial banking hired in June 2026 and a board technology committee created in April 2026. Wintrust has had a board IT/IS committee overseeing technology strategy for longer, but names no AI executive. ([Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-rbc-conference-strategic-growth-and-ai-integration-93CH-4555875), [Investing.com](https://investing.com/news/transcripts/associated-banccorp-at-barclays-conference-growth-margins-and-ai-93CH-4901556), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Bank-Hires-Andy-Miner-as-senior-director-AI-for-Corporate--Commercial-Banking), [Associated Banc-Corp](https://investor.associatedbank.com/news/news-details/2026/Associated-Announces-Annual-Meeting-Results-Dividends-Stock-Repurchase-Program-and-New-Technology-Committee), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000110465926041498/tm261521-1_def14a.htm))

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

Wintrust reports software and equipment expense of $142.4 million for 2025, up 16%, and $74.9 million for the first half of 2026, with no separate AI budget. Old National reports technology expense of $58.7 million for the same half-year. The figures use different definitions; Crane names better data management and the early phases of AI among the drivers. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000022/wtfc-20260630.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [Yahoo Finance (Quartr)](https://finance.yahoo.com/quote/WTFC/earnings/WTFC-Q2-2026-earnings_call-652204.html))

### Does Wintrust use AI in fraud detection like other banks?

Its 10-K says Wintrust may selectively use AI in fraud detection, but no filing or interview says which fraud models do. Its fraud teams describe AI mainly as a threat that makes criminals' scripts better. Western Alliance, by contrast, describes AI-based claim validation inside its Digital Disbursements fraud screening. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Wintrust Financial Corporation](https://wintrust.com/articles/2026/06/account-takeover-fraud-take-a-proactive-approach-to-protect-your-business.html), [American Banker](https://americanbanker.com/news/western-alliance-co-created-tech-blocks-class-action-fraud))

### Why does Wintrust rank eighth in its peer group on this site's index?

The index weighs independent coverage at 45%, and Wintrust has eight independent sources against a peer median of 9.5; it also describes the fewest AI use cases (9) and discloses few figures. It ranks third on its own disclosures. The score measures what is on the public record about AI, not how well Wintrust uses it. ([Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/), [Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm))

### Does Wintrust use generative AI tools like Copilot or ChatGPT?

Wintrust has not named an enterprise generative-AI assistant. Its 2025 10-K says it has policies governing the use of AI applications and websites on its network and warns that employees could breach them by entering client data into AI tools; management says early AI use means turning on features in vendor packages such as Workiva, Workday, nCino and FIS. SouthState, by contrast, approved only Copilot and ChatGPT after testing and reports 95% Copilot adoption. ([Wintrust Financial Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1015328/000101532826000007/wtfc-20251231.htm), [Investing.com](https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear))

### How does Wintrust's AI compare with First Horizon's?

First Horizon has put far more on the record, 68.7 against 38.1 on this site's index. It built ChatFHN, an in-house generative-AI tool now in everybody's hands, ran a contest that produced 100 AI ideas and uses AI to draft credit memos (September 2026). Wintrust's comparable credit use is AI adjudication at Wintrust Specialty Finance; elsewhere it describes automation and vendor features rather than its own AI tools. ([Investing.com](https://www.investing.com/news/transcripts/first-horizon-at-barclays-conference-push-for-deeper-banking-ties-93CH-4901760), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Equipment Finance News (first published by sister title FinAi News)](https://equipmentfinancenews.com/news/lender-operations/ai-driving-funding-growth-via-credit-adjudication/), [Investing.com (Raymond James Institutional Investors Conference, 3 March 2026)](https://www.investing.com/news/transcripts/wintrust-at-raymond-james-conference-strategic-growth-and-service-93CH-4538546))

## Peers on this site

- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [Popular, Inc. AI strategy](https://www.bankingnewsai.com/banks/popular) · [vs peers](https://www.bankingnewsai.com/banks/popular/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [East West Bancorp AI strategy](https://www.bankingnewsai.com/banks/east-west) · [vs peers](https://www.bankingnewsai.com/banks/east-west/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [Columbia Banking System AI strategy](https://www.bankingnewsai.com/banks/columbia) · [vs peers](https://www.bankingnewsai.com/banks/columbia/vs-peers)

## Sources

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2. Strategic Growth and Stability (Wintrust at the RBC Capital Markets Global Financial Institutions Conference, transcript) — Investing.com, Mar 10, 2026. https://www.investing.com/news/transcripts/wintrust-at-rbc-conference-strategic-growth-and-stability-93CH-4553543
3. SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — SouthState Bank Corporation (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm
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36. Associated Bank chief digital officer joins from BMO — Banking Dive, Jul 30, 2026. https://www.bankingdive.com/news/associated-bank-chief-digital-officer-joins-from-bmo/826613/
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78. AI-Powered Social Engineering: Is Your Business at Risk? — Associated Bank, Aug 5, 2026. https://associatedbank.com/education/articles/business-insights/strategy-and-management/ai-powered-social-engineering
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82. Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 — Old National Bancorp (SEC filings), Apr 29, 2026. https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm
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