Elkhorn Valley Bank & Trust

What Elkhorn Valley Bank & Trust does

Elkhorn Valley Bank & Trust is a privately held, FDIC-insured community bank founded in 1943, headquartered in Norfolk, Nebraska. The bank delivers a full-service retail, commercial, and agricultural banking proposition to consumers, small and medium-sized businesses, and farming operations across northeastern Nebraska, with physical locations referenced in Norfolk and Yankton. Its product portfolio spans personal checking and savings accounts, certificates of deposit, mortgage and personal loans, debit and credit cards, agricultural and commercial lending, business cash management, safe deposit boxes, domestic and international wire transfers, and wealth management via Elkhorn Valley Investments and Trust Services. Distribution combines a regional branch network with a digital banking platform (web and mobile) and a Teller On Demand remote-teller service, supported by phone banking. Revenue is generated through traditional banking mechanics: net interest income from lending (ag, business, consumer, mortgage), deposit-related fees, card transaction and interchange fees, wire fees, and professional services fees from investment advisory and trust/fiduciary activities. The bank's value proposition emphasizes local decision-making by officers who understand the regional market, face-to-face service in physical branches, and specialized agricultural lending expertise tailored to Nebraska farm operations. No public revenue, profitability, or ownership disclosures are available in the source material.

Name

Elkhorn Valley Bank & Trust

Legal name

Elkhorn Valley Bank & Trust

Website

https://elkhornvalleybank.com

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

51–100 employees

Short description

Elkhorn Valley Bank & Trust is a privately held FDIC-insured community bank founded in 1943 in Norfolk, Nebraska, providing personal, business, and agricultural banking products alongside investment and trust services to customers across northeastern Nebraska via branches and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABAEAA

Community Credit Unions (Retail/Consumer Focus)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAEAG

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSAKAAAL

Bank & Credit Union Personal Loans (Unsecured Installment)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

Keywords

• Retail banking services
• Agricultural lending
• Commercial banking
• Wealth management
• Community banking

Headquarters

HQ city

Norfolk

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including agricultural loans, business loans, personal loans, and mortgage loans
2. Deposit Service Fees: Fee income from checking accounts, savings accounts, and other deposit-related services
3. Investment Services: Revenue from Elkhorn Valley Investments and wealth management services
4. Trust Services: Trust and fiduciary services generating fee income
5. Card Services: Credit card and debit card transaction fees
6. Wire Transfer Services: Fees from domestic and international wire transfers

Pricing tiers

Distribution channels4 records

Marketing channels4 records

Core offering

Elkhorn Valley Bank & Trust is a community bank providing personal checking and savings accounts, mortgage and personal loans, debit and credit cards, as well as agricultural loans, commercial lending, business deposit accounts, cash management, and merchant services. The bank also offers wealth management through Elkhorn Valley Investments and Trust Services, supported by digital and mobile banking platforms and physical branch locations in Nebraska.

Product overview

Elkhorn Valley Bank & Trust offers a comprehensive suite of traditional banking products and services through a platform-plus-branch delivery model. The core digital banking platform (Digital Banking/Mobile Banking) serves as the primary online and mobile access channel, supplemented by E-Statements for electronic document delivery. The product portfolio spans personal banking (checking, savings, CDs, mortgages, personal loans, credit cards, debit cards), agricultural and business banking (ag loans, business accounts, business loans, business services, business credit cards), and wealth management services (Elkhorn Valley Investments, Trust Services). Additional services include Safe Deposit Boxes, wire transfer services, Teller On Demand remote teller capabilities, and self-service financial planning tools (Calculators, Education resources, Switch Kit). The bank operates physical branch locations complemented by its digital banking infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Banking / Mobile Banking Secure online and mobile banking platform enabling customers to manage accounts, transfer funds, pay bills, and access e-statements 24/7 from any device.
• Personal Checking Accounts Various checking account options designed for everyday banking needs with features like direct deposit, debit cards, and online access for individual consumers.
• Personal Savings Accounts & Certificates of Deposit Savings account products including certificates of deposit (CDs) with competitive interest rates for different term lengths, including a 9-month CD at 3.75% APY and a 15-month CD at 4.05% APY.
• Card Services Personal debit and credit card services providing convenient access to funds and purchasing capabilities.
• Mortgage Loans Home financing solutions including purchase mortgages, refinancing options, and home equity loans and lines of credit for individual consumers.
• Personal Loans Unsecured personal loans for various needs including debt consolidation, major purchases, or unexpected expenses.
• Personal Credit Cards Credit card products for personal use with various rewards, rates, and benefits options.
• Teller On Demand (TOD) Remote teller service allowing customers to conduct transactions with a live teller via secure video or phone connection.
• Agricultural Loans Agricultural lending products tailored for farmers and ranchers including operating loans, equipment financing, and farm real estate loans.
• Business Accounts Commercial checking and savings accounts designed for businesses with features for cash management and business operations.
• Business Services Comprehensive business banking services including cash management, merchant services, and business consulting.
• Business Loans Commercial lending solutions including term loans, lines of credit, and commercial real estate financing for businesses.
• Business Credit Cards Credit card products designed for business spending with expense management features.
• Elkhorn Valley Investments Investment services and wealth management advisory services provided through partnership to help customers achieve financial goals.
• Trust Services Trust and estate planning services including fiduciary services, trust administration, and asset management.
• Safe Deposit Boxes Secure storage rental service for valuable documents, jewelry, and other important items.
• Wire Transfer Services Domestic and international wire transfer services for sending and receiving funds electronically.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• First National Bank of Omaha: One of the largest privately held banks in the United States, headquartered in Omaha, NE, offering consumer, business, and ag banking across multiple states. Comparable to EVB as a Nebraska-based community-rooted bank, but with substantially larger scale, broader product set, and statewide branch footprint.

Regional players

• Great Western Bank: Regional community bank with branches across the Midwest and Mountain West, including Nebraska, providing consumer, business, and ag banking. Similar product set and customer base to EVB but operating across multiple states with larger scale.

Direct peers

• Five Points Bank: Grand Island, Nebraska-based community bank providing consumer, business, and ag lending to central Nebraska. Comparable to EVB as a smaller Nebraska community bank serving rural and agricultural communities with a similar product mix.
• Pinnacle Bank: Nebraska-based community bank with a comparable mix of personal, business, and ag banking products serving small communities across the state. Closely comparable to EVB in size, geographic focus, and product breadth, including ag lending and relationship-based service.
• West Gate Bank: Lincoln, Nebraska-based community bank offering personal, business, and ag banking with a comparable relationship-driven value proposition. Directly comparable to EVB in size, community-bank positioning, and product mix, serving small Nebraska markets.
• Heartland Bank (Nebraska): Nebraska community bank offering personal, business, and ag banking products to customers across central and eastern Nebraska. Comparable to EVB in size, community-bank positioning, and emphasis on relationship banking with a similar ag lending focus.
• Security National Bank of Omaha: Nebraska-headquartered community bank with a multi-generational history offering personal, business, and ag lending services. Comparable to EVB as a Nebraska community bank with a similar full-service product suite and ag focus, though with a larger Omaha-area footprint.
• Cornerstone Bank (Nebraska): Nebraska-based community bank providing consumer, business, and ag banking services to small-town and rural customers. Comparable to EVB in size, geographic footprint, and product mix.
• BankFirst (Nebraska): Nebraska community bank offering personal, business, and ag banking with a relationship-driven approach. Comparable to EVB in size, regional focus on Nebraska, and full-service community banking product set.
• Midwest Bank (Nebraska): Small Nebraska community bank offering personal and business banking services in rural communities. Comparable to EVB in scale, regional focus, and full-service community-bank model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/evbankandtrust
• Facebookfacebook.com/1766868646939269

Compliance1 record

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 Elkhorn Valley Bank & Trust