Bruning State Bank
Bruning State Bank is a privately held Nebraska community bank founded in 1891, operating six branches and providing personal and business banking, loans, insurance, wealth management, and real estate services to retail, SMB, and agricultural customers across 38 states.
- Company typePrivate
- Founded1891
- HeadquartersBruning, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Bruning State Bank does
Bruning State Bank, operating as Bruning Bank, is a privately held community bank founded in 1891 and headquartered in Bruning, Nebraska. It operates six physical branch locations across Nebraska (Bruning, Hebron, Broken Bow, Holdrege, Kearney, and Grand Island — the last opened March 1, 2023) and serves customers in 38 states through its digital channels. The bank offers a unified suite of personal and business banking products, including checking and savings accounts (notably a 4.00% APY Premier Checking), credit and debit cards, auto and consumer loans, home mortgages, agricultural loans, commercial loans, and HSA accounts. Ancillary services include insurance, wealth management, and real estate.
The bank's technology platform comprises online and mobile banking portals (personal and business) delivered through the secureinternetbank.com infrastructure, with TLS 1.2 and 256-bit encryption. Business banking is augmented with Positive Pay fraud prevention. Marketing and customer engagement rely on a corporate website, Facebook, and quarterly newsletters. The bank employs 101-250 staff and operates under Nebraska banking regulation with FDIC insurance and NMLS mortgage licensing (#473773).
Revenue is generated through traditional community banking economics: net interest margin on deposits and loans (the largest contributor), interchange and transaction fees on credit/debit cards, and fee income from insurance, wealth management, and real estate services. Go-to-market is direct-to-consumer via the six-branch Nebraska network supplemented by self-serve online and mobile channels, targeting individual consumers, small-to-medium businesses, and agricultural operations. No funding rounds, M&A, or PE/VC ownership are disclosed; the bank appears to be family/locally owned consistent with its community banking heritage.
Bruning State Bank firmographics
Firmographics- Name
- Bruning State Bank
- Legal name
- Bruning Bank
- Website
- https://bruningbank.com
- Company type
- Private
- Founded year
- 1891
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Bruning State Bank is a privately held Nebraska community bank founded in 1891, operating six branches and providing personal and business banking, loans, insurance, wealth management, and real estate services to retail, SMB, and agricultural customers across 38 states.
- Ownership category
- akta.pro rank
Bruning State Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), 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
- Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
Keywords
Where Bruning State Bank is headquartered
LocationHeadquarters
- HQ city
- Bruning
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Bruning State 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
Revenue model
- Deposit Taking: Traditional deposit accounts including checking, savings, interest-bearing checking, and money market savings. Revenue generated from spread between interest paid to depositors and interest earned on loans.
- Lending: Auto loans, consumer loans, home mortgages, agricultural loans, and commercial loans generating interest income
- Credit and Debit Cards: Transaction fees and interchange income from credit and debit card usage
- Financial Services: Insurance, wealth management, and real estate services generating fee income
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Premier Checking with 4.00% APY |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
Bruning State Bank product offering
Product offeringCore offering
Bruning State Bank is a Nebraska community bank that provides personal and business banking products, including checking, savings, credit and debit cards, home mortgages, auto and consumer loans, agricultural loans, and commercial loans. It also offers complementary financial services such as insurance, wealth management, and real estate services, delivered through six physical branch locations and online and mobile banking platforms.
Product overview
Bruning Bank is a community bank offering a unified suite of personal and business banking products and services. The core offerings include checking and savings accounts, credit/debit cards, and various loan products (auto, mortgage, agricultural, and commercial). Supplementary services include insurance, wealth management, and real estate services. Digital banking is provided through Virtual Banking with mobile app and online access. For business customers, specialized services include Positive Pay fraud protection and agricultural lending. The bank operates 6 physical locations in Nebraska.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Personal checking account for individual consumers with online and mobile access, including a Premier Checking option that earns 4.00% APY.
- Savings Accounts Savings accounts for personal banking customers to deposit funds and earn interest.
- Health Savings Account (HSA) Tax-advantaged health savings account for individuals with high-deductible health plans to save for medical expenses.
- Personal Credit and Debit Cards Personal credit and debit card products with mobile app management, transaction monitoring, and spending insights.
- Auto and Consumer Loans Financing options for vehicle purchases and other personal consumer borrowing needs.
- Home Mortgage Loans Residential mortgage lending products for purchasing or refinancing homes.
- Business Checking and Savings Commercial banking accounts including business checking and savings with Positive Pay fraud protection.
- Agricultural Loans Specialized lending products for farmers and agricultural operations, including farm land and equipment financing.
- Commercial Loans Lending solutions for commercial enterprises including real estate, equipment, and working capital financing.
- Business Credit and Debit Cards Commercial credit and debit card products with business expense management capabilities and mobile controls.
- Business Services Additional business banking services and solutions for commercial customers.
- Insurance Insurance products and services offered through the bank to complement core financial services.
- Wealth Management Wealth management and financial planning services for customers building and managing long-term wealth.
- Real Estate Services Real estate-related services offered to bank customers.
- Virtual Banking Digital banking services including a mobile app, online banking portal, and remote account management features.
- Positive Pay Fraud prevention tool that monitors and validates checks and ACH transactions to protect business accounts from check and ACH fraud.
Quantifiable outcome
- 134 years of continuous operation
- +1 more outcomes
Companies that use Bruning State Bank
Customer profileSegments3 records
Ideal customer profiles2 records
Bruning State Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Bruning State Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- NMLSminorNational Mortgage Licensing System registration #473773 for mortgage lending operations
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
Bruning State Bank competitors and assessment
Company assessmentDirect peers
- BankFirst (Nebraska): Nebraska community bank providing personal banking, mortgages, and commercial lending across multiple branches. Comparable in scale and product suite.
- Jones Bank: Nebraska-based community bank with personal and commercial banking focus. Comparable in scale, regional focus, and relationship-banking model.
- Cornerstone Bank (Nebraska): Nebraska community bank offering personal, business, ag, and mortgage lending across multiple Nebraska locations. Comparable in customer segments and community-banking model.
- Heartland Bank (Nebraska): Nebraska community bank providing personal, business, and agricultural lending. Similar footprint and customer segments to Bruning.
- Great Plains State Bank: Nebraska community bank of similar size and footprint offering personal banking, ag loans, and business banking. Closest direct comparable in scale, geography, and product suite.
- Security First Bank (Nebraska): Nebraska community bank offering personal, business, and ag banking across multiple locations. Directly comparable in scale and product offerings.
- Town & Country Bank (Nebraska): Nebraska-based community bank with personal and commercial banking focus. Similar community-banking model and regional concentration.
- Adams State Bank (Nebraska): Nebraska community bank offering personal and business banking with ag lending expertise. Closely comparable in regional focus and product mix.
- First State Bank (Nebraska): Nebraska community bank with personal and business banking including ag loans. Closely comparable in customer segments and community-banking value proposition.
Broad incumbents
- Pinnacle Bank (Nebraska): Nebraska's largest locally owned community bank with branches across the state offering personal, business, and ag banking. Larger and broader than Bruning but directly comparable in product mix and geographic footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Bruning State Bank social profiles
Digital presenceBruning State Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bruning State Bank leadership team
Management profileNumber of profiles
Profiles6 records
Bruning State Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bruning State Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bruning State Bank
What does Bruning State Bank do?
Bruning State Bank is a Nebraska community bank that provides personal and business banking products, including checking, savings, credit and debit cards, home mortgages, auto and consumer loans, agricultural loans, and commercial loans. It also offers complementary financial services such as insurance, wealth management, and real estate services, delivered through six physical branch locations and online and mobile banking platforms.
Is Bruning State Bank a public or private company?
Bruning State Bank is a private company. It is classified as unknown and is currently operating.
When was Bruning State Bank founded?
Bruning State Bank was founded in 1891. It employs 101 to 250 people.
Where is Bruning State Bank based?
Bruning State Bank is headquartered in Bruning, United States, in the North America region.
How does Bruning State Bank make money?
Four revenue lines are on record. Deposit Taking is the primary driver. The others are lending, credit and Debit Cards and financial Services.
Who are Bruning State Bank's main competitors?
Direct peers on record are BankFirst (Nebraska), Jones Bank, Cornerstone Bank (Nebraska), Heartland Bank (Nebraska), Great Plains State Bank, Security First Bank (Nebraska), Town & Country Bank (Nebraska), Adams State Bank (Nebraska) and First State Bank (Nebraska). Pinnacle Bank (Nebraska) is listed as a broad incumbent.
Does Bruning State Bank have an API?
No public API is recorded for Bruning State Bank.
What industry is Bruning State Bank in?
Bruning State 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 FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 52211 and its SIC code is 6022.