CoreFirst Bank & Trust

What CoreFirst Bank & Trust does

CoreFirst Bank & Trust is a privately held regional community bank headquartered in Topeka, Kansas, founded in 1959 and operating primarily within the state of Kansas under Kurt Kuta as President. The bank serves individual consumers, small and medium businesses, and wealth management clients through a unified platform spanning personal banking (multiple checking and savings products, CDs, IRAs, credit and debit cards, and home/auto/personal/RV/student loans), business banking (commercial checking, business money market, treasury management including ACH, wires, lockbox, merchant services via Talus Pay, and fraud tools such as Positive Pay), and wealth management (investment services through Cetera, trust services, estate planning, and investment management).

The bank's technology footprint is conventional for a regional community bank: a Q2-based mobile application (iOS and Android), an online banking platform with integrated bill payment (Billpayer), personal financial management (Money Plan), digital wallet support across Apple Pay, Samsung Pay, Google Pay, and Garmin Pay, text banking, and a 24/7 telephone banking line (CBIL). Treasury management extends to web-based Remote Deposit (ProfitStars), Translink payment processing, EZ Business card management, and Trust Reporter for fiduciary clients. Identity protection is delivered via Deluxe Provent and EZShield.

CoreFirst generates revenue through a traditional banking mix: net interest income from the spread on loans and deposits (its primary stream), transaction-based fees including $29 overdraft charges, monthly service and paper statement fees, credit card interchange on Visa CoreCard and Platinum products, treasury management service fees, and fee/commission income from the Cetera Investment Services brokerage partnership and the in-house trust department. Distribution runs through multiple Kansas branches, digital self-service channels, and partner integrations, with an emphasis on local decision-making and relationship banking as the stated differentiation.

Name

CoreFirst Bank & Trust

Legal name

CoreFirst Bank & Trust

Website

https://corefirstbank.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Finance and Insurance (52)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

Keywords

• Community banking services
• Personal and business banking
• Wealth management solutions
• Commercial lending products
• Deposit account services

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Net Interest Income: Primary revenue stream from the spread between interest earned on loans (mortgages, auto loans, personal loans, business loans, credit cards) and interest paid on deposits (checking, savings, money market, CDs). Core banking revenue model typical of financial institutions.
2. Banking Fees and Charges: Fees from overdraft coverage ($29 per overdraft), paper statement fees ($4/month), insufficient funds fees, early withdrawal penalties on CDs, and various service charges on business accounts.
3. Credit Card Interchange: Revenue from credit card transaction processing and interchange fees on CoreFirst Visa credit and debit cards.
4. Wealth Management and Investment Services: Revenue from investment services and brokerage offered through Cetera Investment Services partnership, including advisory fees, commissions on investment products, and insurance sales.
5. Trust Services: Revenue from trust and estate services including estate administration, custodial services, conservatorships, and investment management for trust clients.
6. Treasury Management Services: Fees from business treasury solutions including ACH payments, wire transfers, lockbox services, merchant services, and fraud protection tools.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

CoreFirst Bank & Trust is a Kansas-based community bank founded in 1959 that provides FDIC-insured deposit products (checking, savings, money market, CDs, IRAs), consumer and commercial lending (auto, home, personal, business, equipment, real estate), payment cards (Visa credit, debit, payroll), treasury management services (ACH, wires, lockbox, merchant services, Positive Pay), and wealth management offerings (investment, financial planning, insurance, trust, and estate services) delivered through branch, online, and mobile channels.

Product overview

CoreFirst Bank & Trust is a regional community bank offering a comprehensive suite of personal banking, business banking, and wealth management products through an integrated platform architecture. Personal banking includes multiple checking account options (Freestyle, Rewards, Simply Interest, First Rate Interest), savings products (Statement Savings, Money Market Preferred Plus, Summit Money Market), Certificates of Deposit, IRAs (Roth and Traditional), credit cards (Visa CoreCard, Visa Platinum), debit cards, digital wallet integration (Apple Pay, Samsung Pay, Google Pay, Garmin Pay), and various loan products (Auto, Personal, RV/Boat, Student, Home, Home Equity). Business banking encompasses checking (Freestyle Business, Business Interest, Commercial), savings and money market accounts, business CDs, term and equipment loans, business real estate loans, the CoreXpress loan program, lines of credit, business credit cards (Purchase Card, Business Card), debit cards, payroll cards, and comprehensive treasury management services including ACH payments/collections, wire transfers, lockbox, merchant services, remote deposit, and fraud prevention tools (Check Positive Pay, ACH Positive Pay, ACH/Check Block). Wealth management includes investment services through Cetera, financial planning, insurance services, trust services, estate planning, and investment management. All segments support digital banking through online and mobile platforms with additional tools like Money Plan budgeting and financial calculators.

Differentiator

Problem solved

Functional benefit

Brands

• CoreFirst Investment Services: Investment services offered through Cetera Investment Services, providing brokerage, advisory, and financial planning services.
• CoreXpress
• Freestyle Banking
• Summit Money Market

Products and services

• Freestyle Banking No-minimum-balance personal checking account with free e-statements, debit card with surcharge-free ATM access, and free online and mobile banking with mobile deposit. Designed for consumers seeking hassle-free everyday banking.

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• Deluxe ProventcoreStrategic or Co-development PartnerIdentity protection partnership providing ID Protect services to CoreFirst deposit account holders. Deluxe Provent offers 24/7 fraud support, identity restoration, and credit monitoring through Experian. Services include EZShield's End2End Defense and online Identity Vault.
• Cetera Investment ServicescoreChannel Partner/ Reseller/ DistributorBroker-dealer partnership providing investment services under the CoreFirst Investment Services branding. Cetera Investment Services LLC is a registered broker-dealer and investment adviser (member FINRA/SIPC) offering securities, insurance products, and advisory services through CoreFirst's investment team.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Emprise Bank: Kansas community bank with consumer, business, and treasury management offerings. Comparable community-bank operating model and Kansas footprint.
• Capitol Federal Financial: Topeka-headquartered thrift with a similar Kansas retail branch footprint, deposit, mortgage, and consumer lending focus. Closest direct competitor in the same geography and product mix.
• INTRUST Bank: Wichita-based community bank offering consumer, business, and wealth services across Kansas. Directly comparable in scale, product breadth, and community-bank positioning.
• Bell Bank: Midwest community bank with consumer, business, and wealth lines emphasizing local decision-making and relationship banking. Closely comparable operating model and culture.

Regional players

• Central National Bank (Junction City): Kansas-headquartered community bank operating across central and western Kansas with consumer, commercial, and agricultural banking lines. Comparable community-bank profile.

Broad incumbents

• UMB Financial Corporation: Kansas City-based regional bank with broad commercial, treasury, and wealth capabilities. Larger competitor operating in the same broader Kansas/Missouri geography.
• Commerce Bank: Kansas City-based regional bank offering consumer, business, and wealth services. Larger incumbent competing for the same Kansas SMB and retail relationships.
• Great Western Bancorp: Mid-size regional bank serving small and mid-sized communities with consumer, commercial, and treasury products. Similar community-banking model at slightly larger scale.
• Arvest Bank: Arkansas-based regional community bank with consumer, mortgage, business, and wealth offerings across multiple states. Comparable community-bank operating philosophy and product mix at greater scale.
• BOK Financial (Bank of Oklahoma): Regional bank with commercial, treasury, and wealth services across the central US. Larger competitor with overlapping business-banking and treasury capabilities relevant to Kansas-based SMBs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CoreFirstBank
• LinkedInlinkedin.com/company/corefirst-bank-&-trust
• Instagraminstagram.com/corefirstbank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CoreFirst Bank & Trust