CoreFirst Bank & Trust
- Company typePrivate
- Founded1959
- HeadquartersTopeka, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
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.
CoreFirst Bank & Trust firmographics
Firmographics- 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
CoreFirst Bank & Trust industry classification
Industry- 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
Where CoreFirst Bank & Trust is headquartered
LocationHeadquarters
- HQ city
- Topeka
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
CoreFirst Bank & Trust business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- 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.
- 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.
- Credit Card Interchange: Revenue from credit card transaction processing and interchange fees on CoreFirst Visa credit and debit cards.
- 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.
- Trust Services: Revenue from trust and estate services including estate administration, custodial services, conservatorships, and investment management for trust clients.
- Treasury Management Services: Fees from business treasury solutions including ACH payments, wire transfers, lockbox services, merchant services, and fraud protection tools.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Statement Savings - Basic savings account with low requirements |
| Subscription | Monthly | Summit Money Market - Tiered high-yield savings account |
| Subscription | Multi-year contract | Certificates of Deposit - Fixed-rate term deposits |
| Other | Monthly | Auto Loans - Vehicle financing |
| Subscription | Monthly | ID Protect - Identity protection plans |
| Transaction based/ take rate | Pay-as-you-go | Overdraft Coverage |
| Transaction based/ take rate | Monthly | Credit Cards - Visa CoreCard and Platinum |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
CoreFirst Bank & Trust product offering
Product offeringCore 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.
Companies that use CoreFirst Bank & Trust
Customer profileSegments3 records
CoreFirst Bank & Trust technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration17 records
Feature7 records
CoreFirst Bank & Trust partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Deluxe ProventcoreIdentity 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 ServicescoreBroker-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
CoreFirst Bank & Trust competitors and assessment
Company assessmentDirect 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
CoreFirst Bank & Trust social profiles
Digital presenceCoreFirst Bank & Trust compliance and trust
Trust signalCompliance4 records
CoreFirst Bank & Trust financial estimates
Financial estimateRevenue estimate
Valuation estimate
CoreFirst Bank & Trust leadership team
Management profileNumber of profiles
CoreFirst Bank & Trust funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CoreFirst Bank & Trust 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 CoreFirst Bank & Trust
What does CoreFirst Bank & Trust do?
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.
Is CoreFirst Bank & Trust a public or private company?
CoreFirst Bank & Trust is a private company. It is classified as unknown and is currently operating.
When was CoreFirst Bank & Trust founded?
CoreFirst Bank & Trust was founded in 1959. It employs 251 to 500 people.
Where is CoreFirst Bank & Trust based?
CoreFirst Bank & Trust is headquartered in Topeka, United States, in the North America region.
How does CoreFirst Bank & Trust make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are banking Fees and Charges, credit Card Interchange, wealth Management and Investment Services, trust Services and treasury Management Services.
Who are CoreFirst Bank & Trust's main competitors?
Direct peers on record are Emprise Bank, Capitol Federal Financial, INTRUST Bank and Bell Bank. Central National Bank (Junction City) is listed as a regional player. Broad incumbents are UMB Financial Corporation, Commerce Bank, Great Western Bancorp, Arvest Bank and BOK Financial (Bank of Oklahoma).
Does CoreFirst Bank & Trust have an API?
No public API is recorded for CoreFirst Bank & Trust.
What industry is CoreFirst Bank & Trust in?
CoreFirst Bank & Trust's product category is Community Banking. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts). Its NAICS code is 5221 and its SIC code is 6035.