Old Missouri Bank

What Old Missouri Bank does

Old Missouri Bank (OMB Bank) is a privately held community bank founded in 1857 and headquartered in Missouri, operating under FDIC insurance and NMLS license #733051. The institution provides full-service personal and business banking across physical branches in Missouri (including the Kansas City metro area) and a nationwide digital channel via open.ombbank.com. Its product portfolio spans personal checking, savings, certificates of deposit (CDs in 3- to 27-month terms yielding up to 4.19% APY), IRAs, HSAs, home loans, and consumer loans on the consumer side, and business checking, business savings and CDs, SBA loans, agricultural/FSA loans, treasury services, and invoice financing on the commercial side. Digital banking is delivered through online and mobile platforms with Zelle P2P payments and Early Payday direct-deposit acceleration.

The bank's revenue model is anchored on traditional banking economics: net interest income from lending products (home loans, consumer loans, business loans, SBA loans, agricultural loans) is the primary revenue driver, supplemented by fee-based income from deposit account services and interest spreads on CD products. Distribution combines community-bank physical branches with digital self-service channels, and a white-label Jack Henry treasury management platform serves business cash management customers. The bank leverages sub-brands including OMB Insurance, OMBX (digital banking), OMB Select (premium tier), and Greenlight for Kids to segment offerings across consumer, business, youth, and insurance customer segments.

OMB's go-to-market emphasizes relationship banking augmented by modern digital accessibility, with community engagement reinforced through a strategic Missouri State University partnership and brand-ambassador arrangement with MSU Hall of Famer Jackie Stiles. The institution relies on third-party technology partners — Jack Henry for treasury services, Deluxe for check ordering, and Mostly Serious for website development — rather than in-house technology development. No AI/ML capabilities, patents, or proprietary technology assets are disclosed.

Name

Old Missouri Bank

Legal name

OMB Bank

Website

https://oldmissouribank.com

Company type

Private

Founded year

1857

Operating status

Operating

Headcount range

101–250 employees

Short description

Old Missouri Bank is a privately held community bank founded in 1857, offering personal banking, business banking, and agricultural lending across Missouri branches and nationwide digital channels. It serves consumers, SMBs, and farms with deposits, loans, CDs, and treasury services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Agricultural & Rural Development Banks (FSABAKAE), Student & Youth Banking (FSABAAAH)

Keywords

• Community banking
• Retail banking
• Small business lending
• Agricultural loans
• Certificate of deposit

Headquarters

HQ city

Springfield

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, Others

Revenue model

1. Interest Income on Loans: Traditional banking revenue generated from interest charged on lending products including home loans, consumer loans, business loans, SBA loans, and agricultural loans. Interest income represents the primary revenue driver for the institution.
2. Deposit Account Fees and Services: Fee-based income from checking accounts, savings accounts, and other deposit products. Includes potential maintenance fees, transaction fees, and service charges on personal and business accounts.
3. Certificate of Deposit (CD) Products: Time deposit products offering competitive APY rates to consumers and businesses. Revenue generated through interest rate spreads between borrowing and lending rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

OMB Bank is a full-service community bank offering personal banking (checking, savings, CDs, IRAs, HSAs, home loans, consumer loans), business banking (checking, savings, business loans, SBA loans, treasury services, invoice financing), and agricultural lending (farm and FSA loans). The bank distributes these products through physical branch locations in Missouri and digital channels including online nationwide account opening and mobile banking with Zelle P2P payments.

Product overview

Old Missouri Bank (OMB Bank) operates as a full-service community bank offering a unified, multi-channel banking platform. The core product portfolio spans personal and business banking segments with checking, savings, and lending as foundational offerings. Personal products include checking accounts, savings accounts, CDs (with terms from 3-27 months), IRAs, HSAs, home loans, consumer loans, and the Greenlight for Kids financial education product. Business banking encompasses business checking, business savings/CDs, business loans, SBA loans, agriculture/FSA loans, treasury services, and invoice financing. Digital banking is delivered as integrated add-on modules across both personal and business segments, providing online and mobile access. The bank also offers premium services through OMB Select tier, account migration support via Switch to OMB, and insurance products through OMB Insurance. The product architecture combines relationship-driven community banking with modern digital access, supported by third-party integrations including Zelle for P2P payments, Jack Henry for treasury management, and NMLS for lending compliance.

Differentiator

Problem solved

Functional benefit

Brands

• OMB Insurance: Insurance services offered as a separate operational entity under OMB Bank umbrella
• OMBX
• OMB Select
• Greenlight for Kids

Products and services

• Personal Checking Accounts Simple, flexible checking options designed for how customers spend, save and manage money. Includes digital banking access. Targeted at individual consumers for everyday banking needs.
• Personal Savings Accounts Savings accounts for individual consumers to hold and grow personal funds, part of the personal banking product line.
• Certificates of Deposit (CDs) FDIC-insured certificates of deposit with terms ranging from 3 to 27 months and APYs from 3.50% to 4.19%. Minimum deposit of $1,000 required, with no setup or maintenance fees. Available online nationwide and in-branch.
• Individual Retirement Accounts (IRAs) Retirement savings accounts including traditional and Roth IRA options for individual retirement planning.
• Health Savings Accounts (HSAs) Tax-advantaged health savings accounts for individuals with high-deductible health plans to save for medical expenses.
• Home Loans Mortgage products for buying, building or refinancing a home with local expertise and personalized guidance through the loan process. Targeted at individual consumers and homebuyers.
• Consumer Loans Personal loans for various consumer needs including debt consolidation, major purchases, and other consumer financing requirements.
• Greenlight for Kids Financial tools and accounts designed specifically for children, teaching money management skills and financial literacy. Targeted at parents and children/young savers.
• Business Checking Business checking accounts tailored for small businesses to corporations with digital banking access. Targeted at business customers for operational banking.
• Business Savings & CDs Savings and certificate of deposit products for business customers to hold and grow business funds.
• Business Loans Business financing solutions for growth, operations and expansion shaped around company operations. Targeted at small to large business customers.
• SBA Loans Small Business Administration loan programs providing government-backed financing for eligible businesses. OMB Bank is SBA-approved for these loans.
• Agriculture Loans Financing solutions for land, equipment and agricultural operations built with understanding of seasonal cycles and long-term nature of agriculture. Targeted at farmers and agricultural businesses.
• Farm Service Agency (FSA) Loans USDA Farm Service Agency loan programs for farmers and agricultural operations, providing government-backed agricultural financing.
• Treasury Services Cash management and treasury solutions including payment processing, risk management, and dedicated team support for business operations and day-to-day functions. Delivered via Jack Henry platform partnership. Targeted at business customers needing treasury management.
• Invoice Financing Program Business financing solution providing cash flow by advancing funds against outstanding invoices, allowing businesses to convert outstanding receivables into immediate cash flow. Targeted at business customers.

Quantifiable outcome

• CD rates up to 4.19% APY on 13-month special

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Missouri State University (MSU)coreStrategic or Co-development PartnerStrategic university partnership including OMB + MSU Bears athletic sponsorship and collaboration with MSU Hall of Famer Jackie Stiles as brand ambassador to promote financial literacy and banking products to students and community members.
• Jack Henry (Treasury Services)coreTechnology or IntegrationJack Henry provides the treasury management services platform for OMB Bank's business customers, enabling advanced cash management, payment processing, and treasury operations through treasury.jackhenry.com/ombbank.
• Mostly Serious (Website Development)minorImplementation/ SI/ Consulting PartnerWebsite development and design services provider credited for building and maintaining ombbank.com.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Commerce Bancshares: Missouri-headquartered, full-service commercial bank offering consumer, business, and wealth management products across the Midwest — the most direct in-state competitor to OMB with overlapping branch geography and product set.
• Great Southern Bancorp: Springfield, Missouri-based community bank with comparable consumer and business banking products. Strong overlap in Missouri footprint and community-bank operating model makes it a close comparable.
• Hawthorn Bancshares: Jefferson City, Missouri community bank with consumer and commercial lending focus. Closely comparable in scale, geographic concentration in Missouri, and product breadth to OMB.
• Equity Bancshares: Kansas and Missouri-headquartered community bank with similar consumer, business, and agricultural lending products. Directly comparable Midwest community-bank model and customer segments.
• First Mid Bancshares: Midwest-focused community bank with consumer, business, and wealth products across Illinois, Missouri, and neighboring states. Comparable community-bank operating model with similar digital-plus-branch distribution.
• QCR Holdings: Multi-state Midwest community bank holding company with consumer, commercial, and agricultural lending. Comparable scale, geographic concentration in the Midwest, and full-service community banking model.

Broad incumbents

• Simmons First National Corp: Regional bank headquartered in Arkansas with Midwest expansion, offering consumer, commercial, and agricultural lending. Larger incumbent with overlapping products but broader multi-state footprint.
• UMB Financial Corporation: Kansas City-headquartered regional bank with consumer, commercial, and treasury services. Operates in the same Missouri/Kansas City geography with broader product set and deeper institutional capabilities.
• Bank OZK: Regional bank with a national commercial real estate and agricultural lending focus. Comparable in lending products and agricultural exposure, but operates at materially larger scale across multiple states.

Emerging players

• Live Oak Bancshares: Digital-forward community bank focused on small business lending. Useful emerging-player comparable for OMB's digital banking platform, online nationwide account opening, and SBA loan offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/oldmissouribank
• Facebookfacebook.com/oldmobank
• LinkedInlinkedin.com/company/old-missouri-bank
• Instagraminstagram.com/omb_bank

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 Old Missouri Bank