York State Bank

What York State Bank does

York State Bank is a privately held community bank headquartered in York, Nebraska, operating three branch locations across York, Geneva, and Gresham. Founded in 1948 (with some sources citing 1943), the bank has served Nebraska residents and businesses for over 75 years and operates as a subsidiary of First National Bank of Omaha (FNBO). The bank offers a comprehensive suite of personal and business banking products including checking, savings, CDs, IRAs, credit cards, mortgage loans, home equity loans, auto loans, and personal loans for individuals, alongside business checking, savings, merchant services, treasury management, and a range of commercial and agricultural lending products for small businesses and agribusiness operators in Nebraska.

The bank's technology stack centers on a digital banking platform supporting web and mobile access across both consumer and business segments. Core technical capabilities include mobile remote deposit capture, Zelle peer-to-peer payments, integration with Apple Pay, Samsung Pay, and Visa Secure Remote Commerce, alongside ACH payment processing and FICO Bankcard Score 9 access for credit cardholders. Mobile applications are distributed through Apple App Store and Google Play, with security architecture incorporating 256-bit encryption, firewalls, session timeouts, and password verification. Business customers access cash management services, remote deposit capture, ACH services, and Quicken/QuickBooks data export through dedicated business digital banking enrollment and self-service portals.

York State Bank's revenue model is anchored in net interest income from lending activities spanning personal, mortgage, auto, commercial, commercial real estate, and agricultural operating lines and equipment loans. Supplementary fee revenue derives from deposit account fees, merchant services processing, credit card interchange (issued via First National Bank of Omaha), and treasury management service charges. Digital banking services are provided at no charge to drive deposit relationships. The bank employs a hybrid direct-to-consumer and sales-led go-to-market approach, acquiring customers through its physical branch network, community presence, and self-service digital enrollment portals, serving individual consumers, small to mid-sized businesses, and agribusiness operations across Nebraska with no disclosed geographic expansion beyond the York-Geneva-Gresham corridor.

Name

York State Bank

Legal name

York State Bank

Website

https://yorkstatebank.com

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

York State Bank is a privately held Nebraska community bank, founded in 1948 and operating three branches in York, Geneva, and Gresham as a subsidiary of First National Bank of Omaha, serving individual consumers, small businesses, and agribusiness operators with deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), 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)

Keywords

• Community banking
• Retail banking services
• Agricultural lending
• Consumer lending
• Deposit accounts

Headquarters

HQ city

York

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income (Lending): York State Bank generates primary revenue through interest income on loans including mortgages, home equity loans, personal loans, auto loans, commercial lending, commercial real estate loans, and agricultural operating lines and equipment loans.
2. Deposit Fee Income: Revenue from checking account fees, savings account fees, and related deposit service charges across personal and business accounts.
3. Merchant Services: Payment processing and merchant services fees charged to business customers for card transaction processing.
4. Credit Card Fees: Annual fees, transaction fees, and interchange income from credit card products issued by First National Bank of Omaha.
5. Treasury Management / Cash Management Services: ACH processing, direct deposit payroll services, remote deposit capture, and treasury management service fees for business customers.
6. Digital Banking Services: Online banking and mobile banking services are provided free of charge as value-added features to attract and retain deposit customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

York State Bank is a community bank offering personal and business banking products, including checking, savings, credit cards, CDs, IRAs, mortgages, personal loans, auto loans, and home equity loans for individuals, along with business checking, savings, merchant services, treasury management, and commercial/agricultural lending for businesses. Services are delivered through three Nebraska branch locations (York, Geneva, Gresham) and a digital banking platform supporting online, mobile, and Zelle-based payments.

Product overview

York State Bank operates as a community bank offering a unified banking platform with multiple product categories for both personal and business customers. The product portfolio consists of core deposit and lending products (checking, savings, credit cards, CDs, IRAs, mortgages, personal loans, home equity, auto loans for individuals; business checking, savings, credit cards, merchant services, treasury management, and various business lending products for commercial customers) augmented by digital banking modules including online banking, mobile banking (consumer and business versions), BillPay, digital payments (mobile wallets, Zelle, Visa SRC), paperless statements, and account alerts. Additional services include Cash Management Online, ACH payments, Remote Deposit Capture, business and personal enrollment portals, FICO Score access, fraud protection, and a Security Center resource hub. The bank has three branch locations in York, Geneva, and Gresham, Nebraska, and has been serving the community for over 75 years.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Checking accounts designed for individual consumers with features including online access, bill payment, and mobile deposit capabilities.
• Personal Savings Accounts Savings accounts for personal banking customers to accumulate funds with competitive interest rates and online flexibility.
• Credit Cards Personal credit card products with FICO score access, mobile wallet compatibility (Apple Pay, Samsung Pay), Visa SRC, and fraud protection through Visa and MasterCard Zero Liability programs. Cards issued by First National Bank of Omaha.
• Certificates of Deposit (CDs) Time deposit accounts with fixed terms allowing customers to earn interest on savings with guaranteed returns.
• Individual Retirement Accounts (IRAs) Retirement savings accounts including Traditional and Roth IRA options to help customers save for retirement with tax advantages.
• Mortgage Loans Home financing products for purchasing or refinancing residential properties with competitive rates and terms for individual borrowers.
• Home Equity Loans Loans allowing homeowners to borrow against the equity in their homes for major expenses or debt consolidation.
• Personal Loans Unsecured loans for personal expenses including debt consolidation, major purchases, or unexpected costs.
• Auto Loans Vehicle financing for new and used automobiles with flexible terms and competitive rates for individual borrowers.
• Health Savings Accounts (HSAs) Tax-advantaged savings accounts for individuals with high-deductible health plans to pay for qualified medical expenses.
• Business Checking Accounts Checking accounts designed for businesses of all sizes with online banking access and cash management features.
• Business Savings Accounts Savings products for business owners to earn interest on excess business funds.
• Business Credit Cards Credit card products designed for business spending with expense management capabilities.
• Merchant Services Payment processing solutions for businesses to accept credit card and electronic payments from customers.
• Treasury Management Cash management services for businesses including ACH payments, direct deposit payroll, pre-authorized payments, and remote deposit capture.
• Small Business Loans Loans and lines of credit for small business capital needs including working capital and expansion financing.
• Agriculture Loans Agribusiness financing including operating lines of credit and equipment loans tailored for agricultural operations and farms.
• Commercial Lending

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature5 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• First National Bank of Omaha: York State Bank's parent company and largest comparable; FNBO operates as a much larger Nebraska-based commercial and consumer bank offering the same core deposit and lending products plus credit card issuance across a broader multi-state footprint.
• US Bank: Large national bank with extensive Nebraska retail and commercial presence including agricultural lending; competes with York State Bank on consumer deposit products, mortgages, and commercial banking but at much greater scale.
• Wells Fargo: National bank with full retail and commercial banking in Nebraska including agribusiness and treasury management; competes with York State Bank primarily for larger commercial relationships but also for consumer deposits.

Direct peers

• Pinnacle Bank: Nebraska-headquartered community bank with comparable full-service personal and business banking including agribusiness lending; directly competes with York State Bank for the same rural Nebraska household, small business, and farm deposit and loan customers.
• Cornerstone Bank: Nebraska community bank providing personal checking, savings, mortgages, ag loans, and business banking with similar branch-driven model; competes head-to-head for deposit and small-business relationships in adjacent rural Nebraska markets.
• Five Points Bank: Nebraska community bank offering checking, savings, ag lending, and digital banking; operates with a similar small-town branch footprint and serves overlapping consumer, small business, and agricultural customers in the state.
• Great Plains State Bank: Nebraska community bank with comparable personal and small-business banking plus farm lending; closest geographic peer competing for the same rural household deposits and agricultural operating loans.
• Heartland Bank (Nebraska): Regional community bank in Nebraska offering consumer and agribusiness lending; comparable size and product mix to York State Bank with similar reliance on branch distribution in agricultural communities.

Regional players

• Farm Credit Services of America: Farm Credit System lender specializing in agricultural real estate, operating loans, and equipment financing across Nebraska and surrounding states; directly competes for the agribusiness loan customers York State Bank targets.

Emerging players

• Quicken Loans (Rocket Mortgage): Digital-first mortgage originator competing with York State Bank's mortgage lending business; does not compete on deposits but represents a credible alternative for the home-loan portion of York State Bank's consumer franchise.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/YorkStateBank
• LinkedInlinkedin.com/company/york-state-bank

Compliance6 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 York State Bank