Bank of the Valley

What Bank of the Valley does

Bank of the Valley is a privately held, FDIC-insured community bank founded in 1984 and headquartered in Bellwood, Nebraska. It operates seven branch locations across Butler, Colfax, and Platte Counties, serving individuals, agricultural producers, and small-to-medium businesses through relationship-based, locally staffed banking. Its core product set spans personal banking (checking, savings, money market, CDs, IRAs, HSAs, mortgage and consumer lending), agricultural banking (operating lines of credit, equipment and livestock loans, USDA FSA Guaranteed Loans, Farmer Mac financing), and business banking (business checking, SBA loans, Remote Deposit Capture, ACH origination, merchant card processing). Digital channels include a web-based online banking portal, the BotV mobile app, mobile deposit, online bill pay, e-statements, person-to-person payments, alerts, and integration with Apple Pay, Samsung Pay, and Google Pay.

The bank generates revenue primarily through the net interest spread on its loan and deposit portfolio, supplemented by service fees, overdraft charges, wire transfer fees, and a revenue share from merchant card processing via partners Moov (Tap 2 Local) and Integrity Merchant Solutions. Its go-to-market motion is community-led: locally embedded lending teams build relationships through in-person interactions, community events (hot dog lunches, 4th of July celebrations), school-affiliated debit card programs, and partnerships with the ICBA and USDA FSA. Distribution is regional and branch-anchored, with digital channels providing 24/7 account access and self-serve transaction capabilities layered on top of the physical network. Strategic activity over the past decade has been modest but consistent, including the 2016 acquisition of Farmers State Bank in Humphrey, ongoing leadership promotions from within the lending team, and incremental digital modernization (2026 Business Banking Online upgrade and website redesign).

Name

Bank of the Valley

Legal name

Bank of the Valley

Website

https://bankofthevalley.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank of the Valley is a privately held FDIC-insured community bank operating seven branches across Butler, Colfax, and Platte Counties in Nebraska, serving individuals, agricultural producers, and small-to-medium businesses with deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

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

Keywords

• Community banking services
• Agricultural lending
• Small business banking
• Consumer deposit products
• Residential mortgage lending

Headquarters

HQ city

Bellwood

HQ country

United States

HQ region

North America

Offices7 records

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 from Lending: Primary revenue from interest earned on loan portfolio including agricultural loans, commercial loans, residential mortgages, and consumer loans
2. Deposit Interest Expense Recovery: Revenue from spread between interest earned on loans and interest paid on deposits
3. Service Fees and Charges: Fees from account maintenance, overdraft protection services, wire transfers, and other banking services
4. Merchant Card Processing: Revenue share from merchant card processing services for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Bank of the Valley is a Nebraska community bank providing deposit accounts, lending products, and digital banking services across personal, agricultural, and business customer segments through seven branch locations and online/mobile channels. Its core offerings include checking and savings accounts, certificates of deposit, mortgages and home equity loans, agricultural loans (operating lines, livestock, equipment, USDA FSA, Farmer Mac), commercial and SBA loans, plus digital tools such as online banking, the BotV mobile app, Remote Deposit Capture, and ACH origination.

Product overview

Bank of the Valley is a community bank offering a unified platform of personal, agricultural, and business banking services across seven Nebraska locations. The core offerings include personal checking/savings products (Bonus Checking, Loyalty Checking, School Pride Card, CDs, IRAs, HSAs), agricultural banking (Prime Checking, operating credit lines, equipment/livestock/FSA/Farmer Mac loans), and business banking (Business Checking, Money Market, Community Checking, SBA loans, Remote Deposit Capture, ACH Origination). Digital banking services are delivered through Online Banking (web-based) and the BotV Mobile App, with mobile wallets (Apple Pay, Samsung Pay, Google Pay), Mobile Deposit, Online Bill Pay, E-Statements, Pay A Person, and account Alerts. Merchant services include Tap 2 Local by Moov and Integrity Merchant Solutions. The bank also provides mortgage lending, home equity products, construction loans, and fraud prevention services.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Full range of personal banking services including checking accounts (Bonus, Loyalty, School Pride Card), savings accounts, money market accounts, IRAs, HSAs, CDs, home loans, auto financing, and overdraft protection for individual consumers.
• Agricultural Banking Specialized banking services for farmers and agricultural producers including Prime Checking, operating lines of credit, equipment and machinery loans, livestock loans, USDA FSA Guaranteed Loans, and Farmer Mac long-term financing.
• Business Banking Comprehensive business banking products including Business Checking, Business Money Market, Business Savings, Community Checking for non-profits, operating lines of credit, machinery and equipment loans, real estate loans, SBA loans, Remote Deposit Capture, ACH Origination, and merchant card processing.
• Online Banking 24-hour web-based access to real-time account information enabling customers to view balances and transactions, transfer funds, pay bills, deposit checks remotely, message bankers, and manage cards via the online banking portal.
• BotV Mobile App Mobile banking application for smartphones enabling bill payments, transaction viewing, money transfers, mobile check deposit, biometric authentication (fingerprint/face ID), and account alerts; available on the App Store and Google Play.
• Certificate of Deposit (CD) Guaranteed-rate time deposits with terms ranging from 3 to 60 months, $500 minimum deposit, and IRA CD options; special promotional rates offered on 7, 13, 21, and 47-month terms.
• Mortgage Lending Residential mortgage loans including USDA, NIFA, FHA, VA, and conventional programs for home purchase and refinance, with in-house balloon payment options and no PMI requirement.
• Home Equity Loans and Lines of Credit Home equity financing including closed-end loans with principal and interest payments, plus 5-year balloon HELOC options for homeowners.
• Construction Loans 12-month term construction financing with fixed rates and 20% down payment or equity requirement, with permanent financing options available upon project completion.
• Merchant Card Processing Card acceptance solutions for businesses through Tap 2 Local by Moov for mobile or smaller merchants (tap-to-pay, payment links, QR codes, no terminals required) and Integrity Merchant Solutions for Mobile, Ecommerce, or POS-based processing.
• Remote Deposit Capture Business service enabling check deposits via desktop scanner connected to a PC, reducing fraud risk and transportation costs while providing electronic deposit confirmation.
• ACH Origination Business online banking service providing full control of money movement including payroll processing with NACHA file import, invoice payments, and secure token authentication.

Quantifiable outcome

• Agricultural producers supported through difficult financial periods

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

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• USDA Farm Service Agency (FSA)coreStrategic or Co-development PartnerBank of the Valley works with the local Farm Service Agency to provide financing solutions for agricultural producers, including FSA Guaranteed Loans for farm operation expansion, building construction, and land improvements.
• Farmer MaccoreTechnology or IntegrationBank of the Valley partners with Farmer Mac to provide long-term funding options for agricultural customers to optimize interest rates for farmland financing.
• Integrity Merchant SolutionsminorChannel Partner/ Reseller/ DistributorPartner for robust mobile, ecommerce, and POS card processing solutions for businesses requiring more comprehensive payment processing than Tap 2 Local.
• Independent Community Bankers of America (ICBA)minorOthersBank of the Valley is a member of ICBA and participates in joint financial education initiatives encouraging customers to establish and maintain good credit habits.

Scale indicators3 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Great Western Bank: Larger Midwest/agricultural bank offering overlapping ag and business banking across multiple states; a former employer of BotV staff and a scaled competitor for the same customers.
• First National Bank of Omaha: Large Nebraska-based bank with statewide reach and broad retail/commercial products; competes for the same Nebraska customers with far greater scale and technology resources.

Regional players

• Pinnacle Bank: Nebraska-headquartered community/ag-focused bank with rural branch network; directly overlaps in agricultural and small-business lending in the same state, and is a former employer of a BotV community president.
• Frontier Bank: Nebraska community bank serving rural and small-city customers with agricultural, commercial and consumer lending very similar to BotV's offering.
• Five Points Bank: Grand Island, Nebraska community bank offering personal, business and ag banking to central Nebraska, closely mirroring BotV's model and geography.
• Cattle Bank & Trust: Small Nebraska community bank with an agricultural lending orientation, comparable in size, model and rural customer base to BotV.
• Cornerstone Bank: Nebraska community bank with an agricultural and small-town retail focus, serving comparable rural markets with personal, ag and business banking products.
• Union Bank & Trust: Nebraska-based community bank (with a David City presence) providing full-service retail, business and ag banking; a former employer of BotV staff and a direct local competitor.
• Midwest Bank: Nebraska community bank with a strong agricultural lending emphasis across small towns, matching BotV's ag-centric, relationship-based approach.

Others

• Farm Credit Services of America: Farm Credit System cooperative lender specializing in agricultural real estate and operating loans in Nebraska; overlaps on ag borrowers though it is not a deposit-taking bank.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BankoftheValley
• LinkedInlinkedin.com/company/bankofthevalley
• Instagraminstagram.com/bankofthevalley
• Xx.com/BankoftheValley

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries1 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 Bank of the Valley