Core Bank
- Company typePrivate
- Founded1977
- HeadquartersOmaha, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
Core Bank firmographics
Firmographics- Name
- Core Bank
- Legal name
- Core Bank
- Website
- https://corebank.com
- Company type
- Private
- Founded year
- 1977
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Core Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)
- akta.pro secondary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where Core Bank is headquartered
LocationHeadquarters
- HQ city
- Omaha
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Core Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Primary revenue from interest earned on loans including residential mortgages, commercial real estate loans, SBA loans, business loans, and personal lending products.
- Banking Fees and Service Charges: Fee income from checking and savings accounts, overdraft fees, wire transfer fees, and other banking service charges.
- Wealth Management Services: Revenue from investment management, trust services, and private client group offerings.
- Treasury Services: Business treasury services including receivables, payables, account management, and fraud prevention tools.
- Partner Banking (BaaS): Revenue from banking as a service partnerships with fintechs and businesses seeking embedded finance solutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Online Banking Access |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Core Bank product offering
Product offeringCore offering
Core Bank is a community bank offering deposit accounts, residential and commercial lending, small-business and SBA loans, treasury services, wealth management, and digital banking to personal and business customers in the Omaha and Kansas City markets. The bank also operates a Banking-as-a-Service platform (Core X) that provides APIs and compliance infrastructure to fintech partners seeking embedded finance and sponsor bank relationships.
Product overview
Core Bank operates as a community-focused financial institution offering a unified banking platform with multiple integrated product lines for personal, business, and wealth management customers. The core product portfolio spans deposit accounts (checking, savings, HSA), lending solutions (mortgages, business loans, SBA loans, commercial real estate), and digital banking services. Key platform components include Online & Mobile Banking with integrated features (Bill Payment, Mobile Remote Deposit), Treasury Services with fraud prevention tools, and Wealth Services including Trust administration. Specialized offerings include Partner Banking (Core X BaaS platform), Interactive Teller Machines (ITMs) combining ATM convenience with live video assistance, and the built-in Autobooks small business accounting module. The bank also offers specialized lending through its Aviation Group and construction/development financing.
Differentiator
Problem solved
Functional benefit
Brands
- The Core Experience Podcast: A podcast featuring local business leaders and community members discussing topics of interest
Products and services
- Personal Checking Personal checking account with competitive interest rates and access to online and mobile banking platforms, targeted at individual consumers.
- Personal Savings Savings account options for individuals and families with competitive interest rates and rewards.
- Health Savings Accounts (HSA) Tax-advantaged savings accounts for individuals with high-deductible health plans to save and pay for medical expenses.
- Online & Mobile Banking Digital banking platform enabling 24/7 account access, transfers, bill pay, mobile check deposit, and personal finance management for individuals and businesses.
- Home Loans & Mortgages Residential mortgage solutions including purchase, refinance, and construction loans with expert guidance through the home loan process, targeted at individual homebuyers and homeowners.
- Home Equity Line of Credit Revolving credit line secured by home equity, allowing homeowners to access funds as needed for major expenses or debt consolidation.
- Business Checking Business checking accounts with competitive interest rates and rewards tailored for business banking needs, targeted at small and mid-sized businesses.
- Business Savings Business savings accounts with competitive rates to help businesses grow their deposits.
- Business Credit Card Credit card solutions designed for business spending with tools to manage expenses and earn rewards.
- Term Loans Fixed-term business loans for major investments, equipment purchases, or expansion needs with predictable payment schedules, targeted at SMB and mid-market businesses.
- Lines of Credit Revolving credit facilities providing flexible access to funds for ongoing business needs and working capital.
- SBA Loans Small Business Administration loans including 7(a) and 504 programs offered under Core Bank's SBA Approved Lender status, targeted at small businesses needing government-backed financing.
- Commercial Real Estate Loans Financing solutions for commercial property acquisition, development, and refinancing.
- Tax Increment Financing Specialized financing tool for economic development projects that captures incremental tax revenue to support improvements.
- Construction/Development Loans Financing for commercial and residential construction projects including land development and building costs.
- Aviation Group Lending Specialized lending solutions for the aviation industry including aircraft financing and related business needs.
- Treasury Services Comprehensive cash management services for businesses including receivables, payables, account management, and fraud prevention tools.
- Investment Management Professional wealth management services to help clients grow and protect their investment portfolios, targeted at high-net-worth individuals and families.
- Trust Services Comprehensive trust administration including revocable and irrevocable trusts designed to avoid probate and estate costs, targeted at individuals and families with estate planning needs.
- Partner Banking (Core X) Banking-as-a-Service (BaaS) platform offering flexible APIs, comprehensive account options, and expert compliance and risk management for fintech partners and businesses seeking embedded finance and sponsor bank relationships.
Quantifiable outcome
- Community banks achieve 74% net satisfaction score vs 53% for large banks, 42% for finance companies, and 15% for online lenders
- +2 more outcomes
Companies that use Core Bank
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Core Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability2 records
Feature6 records
Core Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- DeluxecorePartnership with Deluxe to provide customized payment solutions and services for Core Bank customers. Deluxe is a leading payment technology company delivering payment solutions and payment-integrated software allowing transaction processing in-store, online, and on-the-go.
- IntraFi NetworkcorePartnership with IntraFi Network to offer Insured Cash Sweeps (ICS) and Certificate of Deposit Account Registry Service (CDARS), enabling multi-million-dollar FDIC protection by working directly with Core Bank.
- Independent Community Bankers of America (ICBA)coreStrategic partnership with ICBA for community banking advocacy and initiatives. Core Bank participates in Community Banking Month celebrations and leverages ICBA resources and messaging around the value of community banking.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
Core Bank competitors and assessment
Company assessmentDirect peers
- Pinnacle Bancorp / Pinnacle Bank: Nebraska-headquartered community bank offering personal, business, mortgage, and wealth services with a similar community-banking value proposition and SBA lending focus. Directly comparable size and footprint to Core Bank.
- Live Oak Bancshares: Community bank holding company specializing in SBA lending and small-business banking. Highly comparable to Core Bank's SBA Approved Lender franchise and small-business credit orientation.
- Heartland Financial USA (HTLF): Multi-state community bank holding company operating banks across the Midwest and Southwest. Comparable community-banking model with diversified lending and wealth management, though larger in scale than Core Bank.
- Bell Bank: Employee-owned community bank in the upper Midwest offering personal, business, mortgage and wealth services with a strong community-engagement model analogous to Core Bank's local-banking ethos.
- Choice Financial Group: Midwest community banking group with ag, business, and consumer lending focus. Comparable community-bank franchise serving small markets across the Northern Plains with a similar SBA and ag lending emphasis.
Broad incumbents
- First National Bank of Omaha (FNBO): Larger Omaha-headquartered bank offering the full spectrum of personal, business, mortgage and treasury services. Competes head-to-head in Core Bank's primary Omaha market with broader scale and product breadth.
Regional players
- Great Plains National Bank / Great Western Bank (First Interstate): Regional community bank serving Nebraska and adjacent states with comparable personal/business banking, SBA, and ag lending products. Direct geographic and product overlap with Core Bank in the central Plains.
Emerging players
- Axos Financial: Digital-first bank holding company offering consumer and business banking products at lower cost than traditional branches. Competes with Core Bank on deposits and small-business banking through digital channels.
- Treasury Prime: Banking-as-a-Service infrastructure provider connecting fintechs to sponsor banks. Directly comparable to Core Bank's Core X Partner Banking offering on the sponsor-bank side of the BaaS stack.
- Column (Column N.A.): Bank-as-a-platform sponsor bank offering embedded finance APIs and FDIC-insured accounts to fintechs. Closest digital-native competitor to Core Bank's Core X BaaS franchise.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Core Bank social profiles
Digital presenceCore Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Core Bank leadership team
Management profileNumber of profiles
Profiles7 records
Core Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Core Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Core Bank
What does Core Bank do?
Core Bank is a community bank offering deposit accounts, residential and commercial lending, small-business and SBA loans, treasury services, wealth management, and digital banking to personal and business customers in the Omaha and Kansas City markets. The bank also operates a Banking-as-a-Service platform (Core X) that provides APIs and compliance infrastructure to fintech partners seeking embedded finance and sponsor bank relationships.
Is Core Bank a public or private company?
Core Bank is a private company. It is classified as unknown and is currently operating.
When was Core Bank founded?
Core Bank was founded in 1977. It employs 101 to 250 people.
Where is Core Bank based?
Core Bank is headquartered in Omaha, United States, in the North America region.
How does Core Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges, wealth Management Services, treasury Services and partner Banking (BaaS).
Who are Core Bank's main competitors?
Direct peers on record are Pinnacle Bancorp / Pinnacle Bank, Live Oak Bancshares, Heartland Financial USA (HTLF), Bell Bank and Choice Financial Group. First National Bank of Omaha (FNBO) is listed as a broad incumbent. Great Plains National Bank / Great Western Bank (First Interstate) is listed as a regional player. Emerging players are Axos Financial, Treasury Prime and Column (Column N.A.).
Does Core Bank have an API?
No public API is recorded for Core Bank.
What industry is Core Bank in?
Core Bank's product category is Community Banking. Its primary akta.pro industry code is FSAGALAA, BaaS Platforms & Sponsor Bank Enablement, with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 5221 and its SIC code is 6022.