What banks said about AI this quarter

40.1K interactions with CashPro® Chat, supported by Erica® technology

~200K active users generating >400K prompts per day • >2K departmental AI templates in use leveraging general purpose AI productivity tools

Empire AI Beta: • Second phase deployment underway at SUNY Buffalo • Powered by NVIDIA AI Hardware; expected to place among the most advanced academic AI systems in the world.

we completed a pilot of our new AI-powered loan closing process, which included successfully closing selected commercial loans in seven days, down from 30 to 60 days typically, achieving this milestone one to two quarters ahead of schedule

broad deployment of the seven day loan closing agentic tool, onboarding complex commercial deposit accounts in minutes not hours, and launching new business lines in our payment vertical

AI is in production today — writing code, automating manual processes, drafting and routing customer communications, accelerating underwriting and operational reviews.

Live IN PRODUCTION · 1H 2026 ✓ Retail AI Assistant – internal use ✓ Human Resources AI Assistant ✓ Loan Review – streamlining production to focus effort on review and decisioning ✓ Third Party Risk Management – automate diligence review production

Launched intuitive AI- powered navigation experience

RRB created an Artificial Intelligence Committee to explore safe and effective use of AI across RRB

AI branch coaching tool in pilot with over 2,500 practice simulations

RegionsClientIQ • Provides bill payment, accounts payable and receivable, and invoice generation – streamlining all the tools needed to run a business • A machine-learning data product for Commercial and Treasury Management RMs to prioritize client opportunities, plan quality conversations,and flag

ATLAS Gen AI Gateway • Enhancing resiliency to ensure highly available, secure mission critical systems • Expanding use of Event Driven Architecture to support Payments and Core Modernization • ClientIQ - Call Planning Tool for Relationship Managers • Software Developer Co-pilots ROSIE

Launched ATLAS in 4Q 2025 • Enterprise-Grade, Governed AI Platform • Scalable Digital Foundation • Model-Agnostic AI Architecture • Operational Efficiency at • Enterprise Scale Harnessing GenAI

1.1K+ average questions answered per day • Call prep for bankers • Citizen agentic development • Wealth Management estate planning • Commercial loan onboarding

Launch core agentic platform with best-of-breed AI tools and capabilities • Equip development teams with modern AI tools driving ~30-40% increase in developer productivity

Introduced AI-driven cash forecasting tool with Kyriba to help businesses gain real-time visibility and control over their cash and liquidity positions

Cloud Migration & AI Foundation Data & Analytics Modernization Run the Bank New Businesses Underpinned by Technology Advanced Payment & API Capabilities Digital Platforms & Assets AI Program Launch Grow the Bank

Industry Average Assistant Adoption Rate 2x Productivity Value $10MM+ Embedded in the business AI Agents Employee Hours Saved 150K+ Note: Productivity estimates based on Microsoft Copilot usage analysis

Digital transformation efforts well underway; leveraging AI capabilities in different areas to drive efficiencies

Digital innovation and AI are not standalone initiatives - they are core enablers of Amerant's strategy, supporting revenue growth, efficiency gains, and a differentiated client experience while maintaining strong governance and regulatory alignment

AI-integration has started to show tangible benefits across the entire client lifecycle: innovating, prospecting, onboarding, transacting

Robotic Process Automation and Artificial Intelligence.

continued investment in customer-facing and back-office technologies, including artificial intelligence applications and other workflow efficiency initiatives

we remain committed to further enhancing our operating performance by driving productivity gains through technological innovation, including agentic workflows.

We are moving aggressively to operationalize artificial intelligence (AI) across Customers Bank. This is not an experiment. It is a strategic imperative, and one I am personally leading.

Our investments in digital capabilities, data analytics and artificial intelligence enable us to gain efficiency and deepen household penetration, expanding our position as the primary bank for our consumer, advisory and commercial customers.

Robotic process automation implementation Leverage AI to increase productivity and scale

Robotic process automation implementation AI usage discovery and roll out

The Company expects to continue investing in tech and AI to further enhance consumer and SMB product offerings as well as SBA and risk management

We also continue to invest in AI, automation, and digital capabilities that drive efficiency and elevate the customer experience.

Leverage AI for process improvements

Leverage AI for upskilling staff and improving the customer experience

evaluating processes for efficiencies across our organization using, among other things, AI initiatives, and we will continue to do so as we move through the second half of 2026

Digital infrastructure and capabilities, including in wealth client-facing tools and AI integration

Data processing fees and supplies increased $222,000, or 5%, from continued investment in customer-facing and operational technology solutions, including artificial intelligence capabilities.

Progressive AI strategy underway with a focus on revenue enhancement and expense management opportunities

continued investment in strategic growth initiatives, including the build out of the Company’s specialty lending platform and ongoing technology and artificial intelligence initiatives

MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements

MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements

MVB combines proven Fintech builder/incubator capabilities, innovative culture, regulatory expertise, core banking and AI-driven operational efficiency to enable Fintech partners to navigate complex regulatory requirements while accelerating time-to-market.

The Audit & Risk Committee is updated quarterly on information security, cybersecurity trends and artificial intelligence, and receives an annual report on the Company’s Information Security Risk Assessment efforts.

Embedding AI to enhance oversight and strengthen capabilities

the Company is also in the beginning stages of deploying artificial intelligence tools and agents to drive ongoing productivity improvements in order to preserve operating leverage.

Technology & AI innovation Modern core and proprietary AI tools driving efficiencies and growth

Technology • Over 5 years of AI • Customizable Solutions • Comprehensive Capabilities

Prioritize forward-looking initiatives including Artificial Intelligence, Data Strategy, Personalized Customer Experience, Finance Transformation, and Strategic Payments.

building our artificial intelligence capabilities

Tech and AI-enabled Transformation Accelerating execution of product / platform operating model

Embedding AI across the franchise to advance product / platform operating model and modernize technology stack, driving greater operational efficiency and better client service

Our development and completion of new products and services, including State Street Alpha® and those related to wealth servicing, alternative investment management or digital assets or incorporating artificial intelligence, may impose costs on us, involve dependencies on third parties and may

accelerate AI adoption, advance emerging areas like agentic commerce, and build the talent and platforms that will drive our next phase of growth and value for our stakeholders.

we have begun developing and are soon to implement an AI solution designed to help us better serve customers by answering inquiries more efficiently and effectively… guiding customers to the best financial solutions

Advancing automation and AI initiatives to improve efficiency, reduce costs, and enhance scalability across loan operations, call center, and credit underwriting

AI-enabled bidding

Broaden AI use cases Use AI to enhance cyber defense (to protect from AI) Accelerate innovation Launch new services Embed AI in bank offerings Evolve forward- looking products Use AI to improve productivity, insights and interactions

Revenue growth continues to outpace cost growth, driven by our investments in AI, repositioning our revenues towards Fintech, and the demonstrated scale of our Fintech platform.

Challenges & Opportunities Cryptocurrency AI (into everyday banking operations)

Improve efficiency by utilizing new and existing technology, leveraging data, artificial intelligence, and digital alternatives.

Strong stock performance remains concentrated in a few very highly valued AI stocks with very aggressive growth targets

AI-driven capital investment, fiscal stimulus and the benefits of more efficient regulation

Indiana has emerged as a Midwestern data-center hub driven by AI compute demand, favorable land and energy economics and aggressive state-local incentives.

AI improved Social Engineering abilities

We continue to develop industry-leading technology solutions, including increasing AI integration, to improve efficiency and provide our financial professionals with more time to serve their clients.

Leveraging AI to drive speed and scale

our ongoing technology- and AI-enabled transformation, and the One State Street value proposition.

Tech and AI-enabled Transformation Higher service quality Faster time-to-market Lower unit costs Increased innovation capacity

SaaS exposure is low-leverage, mission-critical software where AI is additive, not disruptive

Driving optimization through automation and AI

Our technology and AI investments drive innovation, productivity and growth