OMB Bank
- Company typePrivate
- Founded1999
- HeadquartersSpringfield, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What OMB Bank does
OMB Bank is a Missouri-based community bank headquartered in Springfield, founded in 1999 and operating as a privately held, FDIC-insured depository institution with 51-100 employees. The bank serves individual consumers, small-to-large businesses, and agricultural operations across Missouri including the Kansas City metro, offering a full-service retail and commercial banking suite. Core products span personal checking, savings, money market, IRAs, HSAs, CDs (with advertised APYs from 3.50% to 4.25%), home loans, consumer loans, business checking, business savings, business loans, SBA loans, treasury services, invoice financing, agriculture loans, and FSA loans, supplemented by digital channels including online and mobile banking, Zelle payments, an Early Payday feature, and Greenlight for Kids.
The bank runs on a hybrid omnichannel architecture: a physical Missouri branch network pairs with online account opening (open.ombbank.com), a digital banking platform, and the Jack Henry-powered Treasury Services portal for business cash management. Treasury Prime's AI Marketplace (December 2025) was adopted to automate fintech partner discovery, with Backpack onboarded as the first resulting partner. The bank also operates the OMBX digital sub-brand, the OMB Select premium tier, Relationship Banking, and an insurance affiliate (OMB Insurance).
The revenue model is traditional community-banking net-interest income supplemented by fees: OMB takes deposits (checking, savings, CDs with a $1,000 minimum) and earns an interest spread by lending across consumer, mortgage, commercial, SBA, agriculture, and invoice-financing books, plus fee-based revenue from account maintenance, transactions, and business treasury services. Distribution is primarily regional/Missouri-focused via direct-to-consumer and direct-to-SMB channels, supported by organic social, content marketing through the Money & More Blog, community programs, and an MSU Bears athletics partnership.
OMB Bank firmographics
Firmographics- Name
- OMB Bank
- Legal name
- OMB Bank
- Website
- https://oldmobank.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
OMB Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)
Keywords
Where OMB Bank is headquartered
LocationHeadquarters
- HQ city
- Springfield
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
OMB Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Lending: Traditional banking revenue from interest earned on loans including home loans, consumer loans, business loans, SBA loans, agriculture loans, and invoice financing programs
- Deposit Taking and Interest Spread: Earning interest spread by taking deposits (checking, savings, CDs) and lending at higher rates. CD rates up to 4.25% APY advertised for short-term certificates
- Fee-Based Services: Revenue from various banking fees including account maintenance, transaction fees, and treasury services for business customers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | 5-Month CD Special |
| Subscription | Pay-as-you-go | 9-Month CD |
| Subscription | Pay-as-you-go | 3-Month CD |
| Subscription | Pay-as-you-go | 7-Month CD Special |
| Subscription | Multi-year contract | 13-Month CD Special |
| Subscription | Multi-year contract | 27-Month CD Special |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
OMB Bank product offering
Product offeringCore offering
OMB Bank is a Missouri-based community bank that provides personal banking, business banking, loans, and treasury management services to individuals, businesses, and agricultural clients. The bank offers deposit accounts, lending products, SBA loans, and treasury services, operating from physical branches with digital banking access.
Product overview
OMB Bank is a Missouri-based community bank offering a unified suite of traditional banking products and services. The portfolio spans personal banking (checking, savings, CDs, IRAs, HSAs, home loans, consumer loans), business banking (business checking, savings, loans, SBA loans, treasury services, invoice financing), and specialized lending (agriculture loans, FSA loans). Digital services include online and mobile banking with features like Early Payday and Zelle payments. The bank also offers premium tiers (Relationship Banking, OMB Select) and related insurance products through OMB Insurance. Unlike a platform-plus-modules architecture, OMB Bank functions as a single, integrated community bank with products organized by customer segment (Personal, Business, Loans, Tools & Help) rather than modular add-ons.
Differentiator
Problem solved
Functional benefit
Brands
- OMB Insurance: Insurance services offered through OMB Bank's subsidiary
- OMBX
Products and services
- Personal Checking Accounts
- Personal Savings Accounts
- Certificates of Deposit (CDs)
- Home Loans
- Business Checking Accounts
- Business Loans
- SBA Loans
- Agricultural Loans
- Treasury Services
- Online and Mobile Banking
Companies that use OMB Bank
Customer profileSegments3 records
Ideal customer profiles2 records
OMB Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature1 record
OMB Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Treasury PrimecoreTreasury Prime provides an AI Marketplace launched in December 2025 that automates partner discovery between banks and fintechs. OMB Bank uses this platform to find and evaluate fintech partners more efficiently, eliminating the need to start each fintech conversation from scratch. The platform addresses the discovery problem where banks feel the most friction in fintech partnerships.
- Missouri State University BearsminorSponsorship and partnership with Missouri State University athletics program. Features MSU Hall of Famer Jackie Stiles in marketing materials for financial products and services.
- Jack Henry (Treasury Services)coreJack Henry provides the treasury management services platform at treasury.jackhenry.com/ombbank/login for OMB Bank's business customers to manage treasury functions on their schedule.
- OMB InsuranceminorSubsidiary company offering insurance products. Referenced as omb-insurance.com for additional financial services cross-selling.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
OMB Bank competitors and assessment
Company assessmentDirect peers
- Commerce Bancshares: Missouri-headquartered commercial and consumer bank offering checking, savings, CDs, treasury services, and agricultural lending across multiple states. Closest comparable by charter type, product mix, and Midwestern geography.
- Great Southern Bank: Springfield, MO-headquartered community bank with comparable retail and commercial banking products including CDs, business loans, and treasury services. Direct local competitor with overlapping geographic footprint.
- Arvest Bank: Regional community bank operating across Missouri, Arkansas, Oklahoma, and Kansas. Offers similar deposit products, mortgage lending, commercial banking, and small-business services to consumers and SMBs.
- UMB Bank: Kansas City, Missouri-headquartered bank with comparable full-service offerings including treasury management, commercial loans, and deposit products. Direct regional competitor with similar product breadth and customer segments.
- Hawthorn Bank: Missouri-based community bank serving consumers and small businesses with checking, savings, CDs, mortgages, and commercial lending. Closely comparable mid-size Missouri community bank peer.
- The Bank of Missouri: Missouri community bank offering personal and business banking, loans, and agricultural financing across multiple Missouri markets. Direct competitor with overlapping customer segments and product offerings.
- Central Bank (Central Bancompany): Mid-Missouri community bank group providing personal banking, business banking, mortgages, and ag lending throughout central Missouri. Comparable community-bank model with similar revenue mix.
Broad incumbents
- BOK Financial: Large regional financial holding company providing commercial banking, treasury services, and wealth management across multiple states including Missouri. Broader incumbent offering similar SMB and treasury services.
Emerging players
- Marcus by Goldman Sachs: Online national bank competing directly with OMB Bank on CD and savings rates. Pressure-tests OMB Bank's deposit pricing competitiveness given Marcus's scale and no-branch cost structure.
- Live Oak Bank: Digital-forward commercial bank specializing in SBA lending and small-business banking. Comparable focus on SBA loans and business treasury services, representing how a tech-enabled community-bank model can scale nationally.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
OMB Bank social profiles
Digital presenceOMB Bank compliance and trust
Trust signalCompliance2 records
OMB Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
OMB Bank leadership team
Management profileNumber of profiles
Profiles4 records
OMB Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OMB 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 OMB Bank
What does OMB Bank do?
OMB Bank is a Missouri-based community bank that provides personal banking, business banking, loans, and treasury management services to individuals, businesses, and agricultural clients. The bank offers deposit accounts, lending products, SBA loans, and treasury services, operating from physical branches with digital banking access.
Is OMB Bank a public or private company?
OMB Bank is a private company. It is classified as unknown and is currently operating.
When was OMB Bank founded?
OMB Bank was founded in 1999. It employs 51 to 100 people.
Where is OMB Bank based?
OMB Bank is headquartered in Springfield, United States, in the North America region.
How does OMB Bank make money?
Three revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Taking and Interest Spread and fee-Based Services.
Who are OMB Bank's main competitors?
Direct peers on record are Commerce Bancshares, Great Southern Bank, Arvest Bank, UMB Bank, Hawthorn Bank, The Bank of Missouri and Central Bank (Central Bancompany). BOK Financial is listed as a broad incumbent. Emerging players are Marcus by Goldman Sachs and Live Oak Bank.
Does OMB Bank have an API?
No public API is recorded for OMB Bank.
What industry is OMB Bank in?
OMB Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6022.