Core Bank

Community Bankingcorebank.com

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

Community banking services
Small business lending
SBA loan programs
Residential mortgage lending
Banking as a service

Where Core Bank is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Core Bank technology and API

Technology

Technology 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 signal

Partnerships

Three partnerships are on record, tiered core.

DeluxecoreTechnology or IntegrationPartnership 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 NetworkcoreTechnology or IntegrationPartnership 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 or Co-development PartnerStrategic 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 assessment

Direct 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 financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Core Bank leadership team

Management profile

Number of profiles

Profiles7 records

Core Bank funding detail

Funding detail

Funding 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 investment

M&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?

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.