United StatesFinance and insurance2026 – ongoing

ConnectOne Bancorp

nCino Banking Advisor and AI agents for commercial lending

ConnectOne Bank cut commercial lenders' document search from 20 minutes to as little as 30 seconds with nCino AI

WorkingCompany's own claim

Problem

Commercial bankers at ConnectOne spent much of their time on administrative work, including searching documents and updating relationship records.

Approach

nCino, the bank's software provider since 2017, introduced its Banking Advisor chatbot and two custom AI agents for commercial lending in April 2026. nCino engineers worked on site with ConnectOne administrators to build the agents inside the bank's own environment. The CEO described the work as an investment in the future rather than a cost cut.

Results

98%reduction in time spent searching documents, from 20 minutes to as little as 30 seconds, per American BankerCompany's own claim[1]

60%reduction in task time for updating individual and business relationships in documents, by one of the two agentsCompany's own claim[1]

Takeaway

The bank reported early results within months of launch. It aimed at frontline admin time and did not frame the project as a headcount saving.

Sources

How ConnectOne Bank uses AI to save time on admin work
American Banker14 Jul 2026News article

Source summaries

[1]American Banker14 Jul 2026

American Banker reports initial results from ConnectOne's pilot with nCino in commercial lending. Document search time fell 98% and one agent cut relationship-update task time by 60%. The CEO estimated routine admin removal could free up to half of frontline staff time.

Full details are in the original sources.

Added 2 Nov 2026 · Updated 2 Nov 2026