Nebraska Bank

What Nebraska Bank does

Nebraska Bank is a privately held, FDIC-insured community bank founded in 1889 and headquartered in Dodge, Nebraska. The bank operates 10 branches across Nebraska communities (Alliance, Atkinson, Bridgeport, Carroll, Chadron, Dodge, Falls City, Hemingford, Hickman, Spencer) and serves three core customer segments: individual consumers, small-to-medium businesses, and agricultural operators. Its product suite spans personal and business checking/savings accounts, money market accounts, certificates of deposit, IRAs, HSAs, mortgages, home equity loans, auto loans, personal and business credit cards, agricultural lending (real estate, equipment, operating lines of credit, livestock, FSA loans), SBA/USDA loans, commercial real estate loans, merchant card services, positive pay fraud prevention, remote deposit capture, and wealth management advisory services.

The bank's technology infrastructure is built on the Jack Henry Digital (Banno) online and mobile banking platform, supplemented by SSL encryption, a proprietary four-part MultiKey authentication system, and integrations with Shazam (debit card network), Brella (mobile fraud monitoring), and Mainstreet Inc (check reordering). Marketing and customer engagement are conducted through a community-focused mix of website content, email newsletters (via Mailchimp), social media, referral programs, and local community events. Revenue is generated primarily through net interest income on loans and deposits, supplemented by account maintenance fees, transaction fees, and service charges, with no public revenue disclosure in available materials.

Name

Nebraska Bank

Legal name

Nebraska Bank

Website

https://ne.bank

Company type

Private

Founded year

1889

Operating status

Operating

Headcount range

51–100 employees

Short description

Nebraska Bank is a privately held community bank founded in 1889, serving individual consumers, small businesses, and agricultural operators across 10 branches in Nebraska through deposit products, lending, digital banking, and wealth advisory services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking services
• Agricultural lending
• Small business loans
• Personal checking accounts
• Mortgage and home equity

Headquarters

HQ city

Dodge

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income - Loans: Primary revenue from interest earned on loan products including mortgages, commercial real estate, agriculture loans, equipment loans, SBA loans, personal loans, and credit cards.
2. Interest Income - Deposits: Interest earned on deposit products including CDs, money market accounts, and savings accounts. Competitive APY rates offered to attract and retain deposits.
3. Fee Income: Various banking fees including monthly maintenance fees on certain accounts, early withdrawal penalties on CDs, wire transfer fees, and other service charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Nebraska Bank is a community bank offering deposit accounts (checking, savings, CDs, IRAs, HSA), consumer loans (mortgages, home equity, auto, personal lines of credit), business banking (commercial checking, SBA/USDA loans, commercial real estate, equipment financing), and agricultural lending (farm real estate, livestock, FSA, operating lines of credit) delivered through 10 Nebraska branches and a digital banking platform.

Product overview

Nebraska Bank is a community bank offering a comprehensive suite of traditional banking products organized across personal, business, and agricultural segments. The core platform consists of Digital Banking services enabling online and mobile account access. Personal banking includes multiple checking account options (Benefits, Premium Interest, Direct Interest, Simply FREE), savings products (Basic Savings, Money Market, CDs, HSA, IRAs), and lending (mortgages, home equity, auto loans, personal credit). Business banking encompasses Commercial Checking, Business Interest Checking, Business Savings, CDs, and diverse loan products including SBA and USDA programs. Agricultural services are specifically tailored with Real Estate Loans, Equipment Loans, Operating Lines of Credit, Livestock Loans, and FSA programs reflecting the bank's Nebraska roots. Additional services include Positive Pay fraud prevention, Remote Deposit Capture, Merchant Card Services, and Wealth Management advisory. Financial Calculators provide customer-facing digital tools for planning across savings, loans, mortgages, and retirement scenarios.

Differentiator

Problem solved

Functional benefit

Products and services

• Benefits Checking Personal checking account with enhanced benefits for individual account holders seeking day-to-day banking with added perks.
• Premium Interest Checking Interest-bearing personal checking account with tiered rates based on balance (0.48% APY up to $1,499.99 and 0.98% APY at $1,500+) for individual consumers seeking earnings on deposits.
• Direct Interest Checking Personal checking account offering competitive interest earnings on balances for individual customers.
• Simply FREE Checking Fee-free personal checking account with basic banking features and no monthly maintenance charges for individual consumers.
• Basic Savings Simple savings account with no monthly maintenance fee, 0.48% APY, free digital banking, and $50 minimum deposit to open; $5 monthly service charge if balance falls below $100.
• Money Market Accounts Tiered-rate savings account with direct check-writing access; balances of $250,000+ earn 1.52% APY, $50 minimum deposit to open, $10 monthly service charge waived at $2,500+ balance.
• Certificates of Deposit (CDs) Fixed-rate term deposits with 3-month to 5-year terms; 3.50% APY on 6-month, 3.65% APY on 15-month, 3.75% APY on 24-month terms; $500 minimum ($5,000 for 3-month CDs); early withdrawal penalties of 3-6 months interest.
• Health Savings Account (HSA) Tax-advantaged savings account for medical expenses for adults under 65 in high-deductible health plans; 0.25% APY, $100 minimum deposit, $1.25 monthly maintenance fee, triple tax savings on contributions, earnings, and qualified withdrawals.
• Individual Retirement Accounts (IRAs) Retirement savings accounts offering traditional and Roth IRA options for tax-advantaged retirement planning by individual consumers.
• Commercial Checking Business checking account for commercial customers with transaction handling and standard business banking features.
• Business Interest Checking Interest-bearing business checking account for businesses that maintain higher balances and want to earn competitive interest on deposits.
• Simply FREE Business Checking Fee-free business checking account with essential banking services for small businesses.
• Business Basic Savings Basic savings account for businesses to safely store excess operating capital with FDIC insurance.
• Business Certificates of Deposit (CDs) Fixed-rate term deposits for business savings with competitive yields and term structures aligned with the bank's personal CD offerings.
• Home Mortgage Loans Residential mortgage financing for home purchases with various term options and competitive rates for individual borrowers, originated by a four-person mortgage team with nearly 100 years of combined experience.
• Home Equity Loans (including HELOC) Loans and lines of credit secured by home equity for home improvements, debt consolidation, and other major personal expenses; HELOC available at 6.49% APR for 60 months.
• Auto Loans Financing for new and used automobile purchases at competitive rates for individual borrowers.
• Personal Lines of Credit Revolving credit lines for personal use with flexible access to funds as needed by individual borrowers.
• Personal Term Loans Fixed-term installment loans for personal expenses with set repayment schedules for individual borrowers.
• Commercial Real Estate Loans Financing for commercial property acquisition, development, and refinancing for business owners.
• Equipment Loans Financing for business equipment purchases including machinery, vehicles, and technology, often with the equipment itself serving as collateral.
• Business Lines of Credit

Quantifiable outcome

• Serving 10 unique communities across Nebraska state
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Jack Henry Digital (Banno)coreTechnology or IntegrationJack Henry Digital (Banno) is the digital banking platform provider for Nebraska Bank, providing the technology infrastructure for the bank's online and mobile banking services, including account management, transfers, and online account opening capabilities.
• FDICcoreOthersFederal Deposit Insurance Corporation provides deposit insurance up to $250,000 per depositor, backed by the full faith and credit of the U.S. Government.
• ShazamcoreTechnology or IntegrationShazam is the debit card network and fraud monitoring partner. Cardholders should call Shazam at 800-383-8000 for lost or stolen card reporting and 866-508-2693 for suspected fraud.

Scale indicators3 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Great Western Bank: Mid-size community bank with significant Nebraska branch presence across rural and mid-sized markets, offering deposit products, consumer lending, ag lending, and commercial banking—comparable community banking model.
• Pinnacle Bank: Nebraska-based community commercial bank with a multi-branch footprint across central and eastern Nebraska, offering personal, business, and ag lending—directly comparable to Nebraska Bank's segment and product mix.
• First National Bank of Omaha: Largest Nebraska-headquartered commercial bank offering personal banking, mortgages, business banking, and ag lending across multiple states—the most direct large-scale comparable to Nebraska Bank.
• Heartland Bank: Nebraska-based community bank serving individuals, businesses, and agricultural customers with deposits, lending, and digital banking—analogous community-and-ag-focused model.
• Adams Bank & Trust: Multi-branch community bank headquartered in Nebraska with strong agricultural and small-business lending focus—comparable rural community bank with similar product breadth.
• Union Bank & Trust: Lincoln, Nebraska-based community bank providing personal, business, and ag banking with multi-generation family ownership—closely comparable in segment focus, structure, and Nebraska footprint.

Others

• Jack Henry & Associates: Core technology provider (via Jack Henry Digital/Banno) for Nebraska Bank's online and mobile banking platform—an enabling vendor rather than competitor but a key operational dependency.

Broad incumbents

• Wells Fargo: National bank with established Nebraska footprint competing across retail deposits, mortgages, and small-business banking—broad incumbent against which Nebraska Bank's relationship model must differentiate.
• U.S. Bank: Large national commercial bank with extensive Nebraska branch and ag-banking presence; not a niche community bank but overlapping product set and direct competition for deposits and loans in Nebraska markets.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/NebraskaBank
• Facebookfacebook.com/theNebraskaBank
• LinkedInlinkedin.com/company/nebraska-bank
• Instagraminstagram.com/nebraskabank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Nebraska Bank