Dayspring Bank

What Dayspring Bank does

Dayspring Bank is a privately held Nebraska community bank founded in 1906, headquartered in Gothenburg, NE, with 51-100 employees and 8 branch locations across the state including Gretna, Papillion, Ralston, Gothenburg (2), Mullen, North Platte, and Wallace. The bank serves four primary customer segments: individual consumers, small-to-medium businesses, farmers and ranchers, and homebuyers, through personal, business, agricultural, and mortgage banking product lines. It is one of the largest Farm Service Agency (FSA) Preferred Lenders in Nebraska and operates as a member of FHLBank Topeka, providing deposit accounts, agricultural real estate and operating loans, business loans, personal loans, home loans (FHA, VA, Conventional, Jumbo, USDA, NIFA), credit cards via Elan Financial Services, and insurance and investment services via Ameritas Investment Company under the Dayspring Agency brand.

The bank's technology infrastructure consists of a mobile banking application (iOS and Android), an online banking portal, and a Business Online Banking platform with modules for ACH origination, wire transfers, Remote Deposit Capture, Positive Pay fraud detection, and Business Bill Pay. Consumer-facing digital features include Zelle peer-to-peer payments, contactless payment integration with Apple Pay, Google Pay, and Samsung Pay, mobile check deposit, card controls, and a Spending Insights analytics view. Distribution occurs through physical branches, digital self-serve channels, and third-party partnerships. Marketing and community engagement include a 'When Life Gives You Lemons' podcast co-hosted with college athletes Ty Davis and Rebekah Allick, distributed across YouTube, Spotify, Apple Podcasts, and Amazon Music, plus financial literacy content and active local sponsorship.

Revenue is generated primarily through net interest income on a diversified loan portfolio (agricultural real estate, agricultural operating, agricultural equipment, business, home, and personal loans), supplemented by deposit account fees (monthly service charges, overdraft fees, minimum balance fees), transaction fees for services such as cashier's checks and money orders, credit card revenue through the Elan Financial Services partnership, and insurance and investment product commissions through Dayspring Agency and Ameritas. The go-to-market is hybrid: direct-to-consumer via branches and digital channels, with sales-led banker referral and dedicated account management for business and agricultural customers. Differentiation rests on relationship-based banking, local decision-making, multi-generational community presence, and agricultural lending expertise rather than technology or scale advantages.

Name

Dayspring Bank

Legal name

Dayspring Bank

Website

https://dayspring.bank

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

51–100 employees

Short description

Dayspring Bank is a Nebraska-based community bank founded in 1906 operating 8 branches and offering personal, business, agricultural, and mortgage banking services to consumers, small businesses, and farmers, supported by a digital banking platform and insurance/investment partnerships.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

Keywords

• Community banking
• Agricultural lending
• Personal banking
• Business banking
• Mortgage lending

Headquarters

HQ city

Omaha

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Dayspring Bank generates revenue primarily through interest earned on loans including agricultural real estate loans, agricultural operating loans, agricultural equipment loans, business loans, home loans, and personal loans. As a community bank, interest income from diversified lending portfolios is the core revenue driver.
2. Deposit Account Fees: Monthly service charges, overdraft fees, and minimum balance fees across checking, savings, and money market accounts. Business checking accounts have transaction-based fees for exceeding monthly limits.
3. Credit Card Revenue: Credit cards are issued through Elan Financial Services partnership. Dayspring Bank earns revenue through the card partnership arrangement for consumer and business credit cards.
4. Insurance & Investment Products: Through Dayspring Agency, the bank offers crop insurance, life insurance, commercial and property insurance. Investment services are provided through Ameritas Investment Company partnership. Revenue is generated from insurance product sales and investment service referrals.
5. Service Charges: Fees for money orders ($2), cashier's checks ($6), and other banking services. Prestige account holders receive some services free.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Dayspring Bank is a Nebraska community bank that provides personal, business, and agricultural banking services. Its core offerings include deposit accounts (checking, savings, money market, and CDs), consumer and commercial loans, agricultural real estate, operating, and equipment loans, mortgage lending, credit cards (issued through Elan Financial Services), insurance and investment products (via Ameritas), and digital banking through mobile and online platforms. The bank operates 8 physical branches across Nebraska and supports business customers with dedicated account managers and digital cash-management tools.

Product overview

Dayspring Bank is a Nebraska-based community bank serving personal, business, and agricultural customers. Its product portfolio is organized into several core banking lines: Personal Banking (checking, savings, money market, CDs, and loans), Business Banking (checking, savings, money market, loans, ACH payroll, and Remote Deposit), Agriculture Banking (real estate, operating, and equipment loans), Mortgage (secondary market home loans, first-time buyer programs, and refinance), Credit Cards (personal and business via Elan Financial Services), Insurance & Investments (crop, life, property, and investment products via Ameritas), and Digital Banking (mobile app, online banking, Business Online Banking, Zelle, contactless payments, and Bill Pay). The Digital Banking platform serves as the primary digital channel across all banking lines, with Business Online Banking providing specialized cash management modules (ACH Manager, Wire Manager, Positive Pay, Business Bill Pay) on top of the core online banking infrastructure. The bank also offers two FHLBank Topeka-assisted homeownership programs (HSP and HOPE) for first-time and moderate-income homebuyers in Colorado, Kansas, Nebraska, and Oklahoma.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking accounts offered to individual consumers and families, with multiple tiers tailored to different needs: basic flexible checking (Value), premium with added identity and cell phone protection benefits (Secure), interest-earning with higher balance requirements (Secure Plus), beginner-friendly with no overdraft fees (Spring), and senior-focused (Prestige for customers over 50).
• Personal Savings Account Traditional personal savings account available to customers of all ages, requiring a $10 minimum daily balance to avoid a $7 monthly service charge.
• Ninja Savings (Children's Savings) Savings account designed for children with a competitive interest rate and no monthly service charge.
• Money Market Account Savings vehicle for personal customers that earns higher interest rates than standard savings or checking accounts, with a $2,000 minimum daily balance to avoid a $10 monthly service charge and tiered interest rates.
• Certificate of Deposit Time deposit account for personal customers with competitive interest rates, $500 minimum deposit, and compounding interest. Rates vary by term.
• Personal Loans General-purpose personal loans for individual consumers covering home, auto, or other personal financing needs.
• Business Deposit Accounts Business deposit account offerings including Business Checking ($100 minimum daily balance to avoid $10 monthly service charge, waived with $25,000+ loan relationship), Business Savings, Business Money Market (tiered interest, $2,000 minimum), and Business Interest Checking (earns interest, $1,000 minimum).
• Business Loans Lending solutions for businesses including lines of credit, term loans for equipment or expansion, real estate purchases or refinances, and SBA loans.
• ACH Payroll Services Automated clearing house (ACH) services enabling direct deposit of employee payroll for business clients, with origination through Business Online Banking.
• Agricultural Real Estate Loans Farm and ranch purchase or refinance loans for agricultural producers, with quick local decisions and FSA Guarantee Program Preferred Lender status.
• Agricultural Operating Loans Operating loans providing flexibility through the growing season for funding input costs, managing cash flow timing, and livestock purchases, with FSA Guaranty Program Preferred Lender status.
• Agricultural Equipment Loans Loan options for purchasing new or used agricultural equipment with flexible repayment structures for farmers and ranchers.
• Secondary Market Home Loans Home mortgage products including FHA, VA, Conventional, Jumbo, USDA Rural Housing, and NIFA loans, offering flexible financing options through the secondary mortgage market.
• Mortgage Refinance Mortgage refinance options enabling homeowners to lower their rate and payment or shorten their loan term.
• Personal Credit Cards Consumer credit card products issued by Elan Financial Services under Visa license, available to individual customers with various card options.
• Business Credit Cards Business credit card products issued by Elan Financial Services, providing various card options for business spending needs.
• Insurance and Investment Services Insurance and investment services covering crop insurance, life insurance, commercial auto and property insurance, and investment guidance, provided through Dayspring Agency and Ameritas Investment Company, LLC (a FINRA member broker-dealer and SIPC member).
• Mobile Banking App Mobile banking platform available on iOS and Android for personal and business banking, enabling balance checking, fund transfers, bill payments, P2P payments via Zelle, mobile check deposits, and contactless payments.
• Business Online Banking 24/7 online cash management platform for business clients providing account access, check and deposit image viewing, fund transfers, account statements, wire transfers, ACH origination, Positive Pay fraud detection, and business bill pay.

Quantifiable outcome

• One of the largest FSA (Farm Service Agency) lenders in Nebraska
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• ZellecoreTechnology or IntegrationDayspring Bank has partnered with Zelle to provide fast, safe, and free peer-to-peer payment services to customers. Zelle is integrated directly into online and mobile banking within Bill Pay, allowing customers to send and receive money typically within minutes using email addresses or U.S. mobile phone numbers.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services is the creditor and issuer of Dayspring Bank's credit card products, pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Incorporated. The partnership enables Dayspring Bank to offer personal and business credit cards to customers through the Elan platform.
• Ameritas Investment CompanycoreChannel Partner/ Reseller/ DistributorDayspring Bank partners with Ameritas Investment Company, LLC (AIC) and Ameritas Advisory Services, LLC (AAS) to provide investment products and services to customers. Mike Messersmith offers products and services using the Dayspring Bank brand for insurance and financial services. AIC is a FINRA member broker-dealer and AAS provides investment advisory services. The partnership allows Dayspring to offer securities, investments, and advisory services through licensed representatives.
• Ty DavisminorStrategic or Co-development PartnerDayspring Bank partnered with Ty Davis (#9 Creighton Basketball) as co-host of the 'When Life Gives You Lemons' podcast. The partnership aims to strengthen community relationships, celebrate entrepreneurship, and share stories of overcoming challenges. Ty Davis brings his experience of using financial adversity as motivation for academic and athletic success.
• Rebekah AllickminorStrategic or Co-development PartnerDayspring Bank partnered with Rebekah Allick (#5 UNL Volleyball) as co-host of the 'When Life Gives You Lemons' podcast. The partnership strengthens community relationships and celebrates the power of entrepreneurship through storytelling about turning challenges into opportunities.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Great Western Bank: Regional bank with significant branch presence across Nebraska, Iowa, and the Dakotas. Competes with Dayspring in ag and SMB banking but at a much larger geographic and balance sheet scale.
• First Interstate BancSystem: Multi-state community bank holding company with operations across the Midwest and West, including Nebraska (via Great Western Bank acquisition). Competes for ag, SMB, and consumer relationships in markets overlapping with Dayspring's footprint.

Broad incumbents

• U.S. Bancorp: Top-5 U.S. national bank with a sizable Nebraska retail and commercial franchise. Competes on deposit products, payments, and digital capabilities, setting the digital and product benchmark community banks like Dayspring must meet.
• First National Bank of Omaha: The largest Nebraska-headquartered bank, offering a full suite of consumer, commercial, mortgage, and wealth services across multiple states. Comparable product breadth but materially larger scale; sets the competitive ceiling for community banks like Dayspring within Nebraska.

Direct peers

• West Gate Bank: Lincoln-based Nebraska community bank with consumer, business, and mortgage banking. Comparable footprint and product mix, competing for similar SMB and consumer relationships in the eastern Nebraska corridor where Dayspring also operates.
• Five Points Bank: Grand Island, Nebraska community bank with consumer, business, and ag lending. Comparable mid-sized community-bank model serving central Nebraska, including ag producers and SMBs.
• Cornerstone Bank: York, Nebraska state-chartered community bank providing personal, business, and ag banking. Similar community-bank positioning with overlapping ag and SMB customer base across central Nebraska.
• Heartland Bank: Geneva, Nebraska community bank serving consumers, businesses, and farmers. Closest in scale and product set to Dayspring, competing for ag and SMB relationships in central Nebraska.
• Pinnacle Bank: Lincoln, Nebraska-based community bank offering consumer, business, and ag lending across the state. Highly comparable to Dayspring in product mix, geographic focus on Nebraska, and community-bank operating model, though larger in scale.
• Union Bank & Trust: Nebraska-based community bank offering consumer, business, ag, and mortgage banking. Direct competitor in overlapping Nebraska markets, with similar relationship-based GTM and ag lending exposure.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@DayspringBank
• Facebookfacebook.com/dayspringbank
• Xx.com/DayspringBank
• LinkedInlinkedin.com/company/dayspringbank

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Dayspring Bank