Nebraska Bank of Commerce

What Nebraska Bank of Commerce does

Nebraska Bank of Commerce (NBC Bank) is a privately held, state-chartered community bank headquartered in Lincoln, Nebraska, operating two branches (Main Bank at 6000 Village Drive and Downtown Branch at 250 N 14th Street) under holding company NBC Bancshares, LLC. Originally chartered in 2007 as Community Bank of Lincoln and rebranded in 2010, the bank serves retail consumers, small and medium-sized businesses, agricultural operators, nonprofits, and home buyers across the Lincoln and Omaha markets through a relationship-based community banking model.

The bank's core technology is a Fiserv core banking system extended with online and mobile banking platforms, SSL-secured (128-bit) authentication, mobile deposit, remote deposit capture for business customers, ACH origination, and a 24/7 cash management platform. Products span personal banking (checking, savings, money market, CDs, IRAs, HSAs), business banking (checking, SBA preferred-lender loans, commercial real estate, construction, agricultural, and working capital loans), and mortgage lending (purchase, refinance, FHA, VA, construction, bridge, and lot loans). Distribution combines physical branches with drive-thru and a free digital channel suite including Quicken/QuickBooks export, POPmoney P2P, and e-statements.

Revenue is generated primarily through net interest spread on the lending portfolio (commercial real estate, business, SBA, agricultural, consumer, mortgage, home equity, and credit card loans) supplemented by transaction-based fee income (ACH origination at $0.12/item, wire fees $10-$50, remote deposit at $100 setup plus $75/month plus $0.07/item, cashier's checks, NSF fees, and online cash management at $15/month). Customer acquisition is driven by community involvement, referral networks, social media (Facebook, Twitter), and an email newsletter rather than paid acquisition. The bank reports assets above $144 million with approximately 40 employees, though revenue is not publicly disclosed.

Name

Nebraska Bank of Commerce

Legal name

Nebraska Bank of Commerce

Website

https://thenbcbank.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Nebraska Bank of Commerce is a privately held community bank in Lincoln, Nebraska, providing personal, business, agricultural, and mortgage banking to consumers, SMBs, nonprofits, and farms across the Lincoln and Omaha markets via two branches and digital channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Small business lending
• Residential mortgage loans
• Agricultural lending
• Cash management services

Headquarters

HQ city

Lincoln

HQ country

United States

HQ region

North America

Offices2 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. Interest Income from Lending: Primary revenue source from interest earned on various loan products including commercial real estate loans, business loans, SBA loans, agricultural loans, construction loans, residential mortgages, home equity loans, personal loans, and credit cards. Revenue generated through interest rate spread on lending portfolio.
2. Deposit Account Fees and Service Charges: Various fees including: $30 per hour account research, $0.12 per ACH originated item, $5 cashier's check, $3 check copies, $0.15 per check paid, $25 collection fees, $25 NSF returned item, $30 NSF paid, $15 monthly online cash management, $100 setup plus $75 monthly for remote deposit, $25 stop payment, wire transfer fees ($10-$50), and $10/day overdrawn account fee after 5th day.
3. Interest on Deposits (Interest Spread): Bank pays interest on deposit accounts (checking, savings, money market, CDs, IRAs, HSAs) at varying rates and earns the spread between what they pay depositors and what they charge borrowers. Interest rates range from 0.05% to 0.55% APY on deposits.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Nebraska Bank of Commerce is a privately held community bank in Lincoln, Nebraska that provides deposit accounts, consumer and commercial lending, mortgages, and digital banking services to individuals, small businesses, agricultural operations, and nonprofit organizations through two branch locations and online/mobile channels. The bank is an SBA preferred lender offering business loans, commercial real estate loans, construction loans, agricultural loans, and treasury management products such as ACH origination, remote deposit capture, and merchant processing.

Product overview

Nebraska Bank of Commerce (NBC Bank) operates as a community bank providing a unified suite of banking products and services. The core offerings include Personal Banking (checking, savings, CDs, IRAs, HSAs) and Business Banking (business checking, loans, cash management, merchant services). Digital banking sub-products include Online Banking, Mobile Banking with Mobile Deposit, Online Bill Pay, eStatements, Remote Deposit, ACH Origination, and Cash Management. Mortgage products span Construction Loans, Lot Loans, Bridge Loans, FHA Loans, and VA Loans. SBA and commercial lending serve business customers. All offerings are delivered through NBC's two branch locations in Lincoln, Nebraska, with no modular or platform architecture indicated.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Retail banking services for individuals including checking accounts, savings accounts, money market accounts, certificates of deposit, IRAs, and Health Savings Accounts.
• Business Banking Commercial and small business banking services including business checking, savings, money market accounts, and CDs.
• Business Loans Financing products for business needs including aircraft, accounts receivable, bridge loans, equipment financing, inventory loans, lines of credit, multifamily housing, and working capital.
• SBA Loans Small Business Administration-backed loans available as preferred lender for real estate, construction, equipment, and working capital with longer maturities and lower down payments.
• Commercial Real Estate Loans Fixed-rate commercial real estate financing for owner-occupied properties, multi-family dwellings, mixed-use properties, investment properties, and commercial buildings with terms up to 60 months and amortization up to 25 years.
• Construction Loans Commercial construction loans for building and developing commercial properties including residential apartment complexes, industrial and office facilities, hotels, and mixed-use buildings.
• Agricultural Loans Farm and agricultural financing for land purchases, operating expenses, equipment, grain storage, and debt refinancing.
• Online Banking Web-based banking platform providing real-time balances, transaction history, account transfers, statement viewing, check images, stop payments, and secure messaging.
• Online Bill Pay Electronic bill payment service enabling payments to companies or individuals with one-time and recurring scheduling, overnight payments, and person-to-person payments via POPmoney.
• Mobile Banking App Smartphone and tablet banking application enabling account access, balance viewing, transfers, and check deposits via mobile device.
• Remote Deposit Business service allowing check deposits from the office using a computer, check scanner, and high-speed internet to scan and transmit check images for processing.
• ACH Origination Electronic payment service enabling payroll direct deposit, preauthorized debits/credits, federal and state tax payments, vendor payments, and inter-account transfers.
• Merchant Processing Credit, debit, and gift card payment processing services for businesses along with check guarantee services.
• Cash Management Business cash management service providing 24/7 access to view transactions, account balances, initiate ACH transactions, and concentrate deposit accounts into a master account.
• Home Equity Loans Fixed loan products using home equity with regular payments, and revolving lines of credit with interest-only payments based on usage.
• Personal Loans Loans for personal needs such as automobile purchases or vacations with competitive rates.
• NBC Mortgage Mortgage banking services including purchase loans, refinancing, construction loans, lot loans, bridge loans, FHA loans, and VA loans for home purchases and construction.
• Credit Cards Personal credit card products for convenient purchasing and account management through a third-party provider.
• Visa Debit Card Debit card accepted anywhere Visa is displayed for ATM withdrawals and point-of-sale purchases with no monthly fee.
• IRAs Individual Retirement Accounts including Traditional and Roth options with various rates and terms.
• Health Savings Accounts Tax-advantaged medical expense accounts available to those with high deductible insurance plans, featuring free checks, tiered interest rates, and free online banking.

Quantifiable outcome

• Over $144 million in assets with 40 employees serving Lincoln and Omaha communities
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Fraud Watch PluscoreOthersNBC partners with Fraud Watch Plus to monitor and manage suspicious activity on customer debit cards. Fraud Watch Plus provides 24/7 monitoring to detect fraud and unauthorized purchases and contacts customers directly to review suspicious transactions. Call back number: 1-866-248-5208.
• NBC Bancshares, LLCcoreOthersNBC Bancshares, LLC is the holding company parent of Nebraska Bank of Commerce and its subsidiaries, including NBC Trust Company and Mountain View Bank of Commerce.
• NBC Trust CompanycoreOthersSubsidiary of NBC Bancshares providing trust services. Joel Clements served as CEO of NBC Trust Company from 2016 to 2019 and currently serves on its board.
• Mountain View Bank of CommerceminorOthersSister company and NBC Bancshares subsidiary. Danielle Smith assumed expanded roles with NBC's sister companies including Mountain View Bank of Commerce.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Heartland Financial USA (HTLF): Multi-state community banking holding company operating numerous community bank charters across the Midwest with similar product mix — broader incumbent peer in community banking space.
• Wells Fargo (Nebraska branches): National bank with significant Lincoln/Omaha presence offering consumer, small business, mortgage, and commercial services — broad incumbent NBC competes with for relationship-driven accounts.
• U.S. Bank (Nebraska branches): Top-five US bank with established Nebraska retail and commercial franchise providing digital-first banking at scale — broader incumbent pressure on rate and digital capabilities.
• First National Bank of Omaha: Nebraska's largest privately held bank providing full-service consumer, business, mortgage, and wealth services statewide — broader incumbent competitor with overlapping retail and SMB offerings.

Regional players

• Great Western Bank: Midwest-focused community bank serving consumers and small businesses across Nebraska and neighboring states with deposit, lending, and digital banking — comparable size and product set.

Direct peers

• Pinnacle Bank: Community/commercial bank headquartered in Lincoln, Nebraska, offering consumer and business banking, mortgages, and SBA lending — directly competes with NBC for retail and SMB relationships in the same geography.
• West Gate Bank: Lincoln, Nebraska community bank focused on relationship-based retail and small business banking with comparable product breadth — directly comparable in size and target market.
• Cornhusker Bank: Lincoln, Nebraska-based community bank serving consumer and business customers with deposit accounts, loans, and digital banking — a close-in local competitor with overlapping customer segments.
• Union Bank & Trust Company: Lincoln-based community bank offering deposit, lending, mortgage, and treasury products to retail and business customers — directly competes with NBC in the Lincoln/Omaha market.

Others

• Fiserv (core banking vendor): Provider of the core banking, online, and mobile platform NBC runs on — enables NBC's digital capabilities but ties the bank to a third-party technology ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/TheNBCBank
• Facebookfacebook.com/thenbcbank
• LinkedInlinkedin.com/company/nebraska-bank-of-commerce

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 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 of Commerce