County Bank

What County Bank does

County Bank is a privately held, independently owned community bank chartered in March 1877 in Brunswick, Missouri, and now operating two full-service branches plus a standalone ATM in North-Central Missouri (Brunswick and Moberly, serving Chariton County and Randolph County). The bank provides a full suite of retail and small-business banking products — checking, savings, money market, CDs, HSAs, and consumer mortgages, auto, and construction loans on the personal side; business checking, savings, ACH origination, remote deposit capture, merchant services, SBA loans, commercial real estate loans, equipment loans, and operating lines of credit on the business side; and operating, equipment, livestock, agricultural real estate, Farmer Mac, and FSA loans on the agricultural side — along with credit cards issued in partnership with TCM Bank.

The underlying technology is almost entirely third-party: the digital banking platform is powered by Fiserv and delivered through an iOS/Android mobile app and web portal that supports mobile check deposit, PopMoney P2P transfers, bill pay, card management, alerts, and SMS/text banking, with QuickBooks and Quicken Web Connect integrations for personal and business accounting, MasterCard SecureCode for online purchase authentication, and MoneyPass providing access to 24,000+ surcharge-free ATMs nationwide.

The business model is the standard community-bank model: net interest income from the spread between loan yields (mortgages, consumer, commercial, agricultural) and deposit costs, supplemented by recurring account and service fees (e.g., $5 monthly checking fees, $10 money market fees, $15 monthly remote deposit capture fee), credit card interchange and partnership revenue through TCM Bank, and merchant services transaction fees. The bank does not publicly disclose revenue, has no parent company, and reports no venture or institutional capital in the source material.

Name

County Bank

Legal name

County Bank

Website

https://countybankonline.com

Company type

Private

Founded year

1877

Operating status

Operating

Headcount range

11–50 employees

Short description

County Bank is a privately held community bank chartered in 1877 in Brunswick, Missouri, operating two branches in Brunswick and Moberly to serve retail, small-business, and agricultural customers in North-Central Missouri with deposits, loans, and Fiserv-powered digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

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 Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Agricultural lending
• Digital banking

Headquarters

HQ city

Brunswick

HQ country

United States

HQ region

North America

Offices3 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: County Bank earns revenue primarily through the spread between interest earned on loans (mortgages, consumer loans, commercial loans, agricultural loans) and interest paid on deposits (checking, savings, money market, CDs). This is the core revenue driver for the community bank.
2. Account and Service Fees: Monthly service fees on certain accounts (e.g., $5 Basic Checking, waived with eStatements; $5 Ambassador Checking, waived with $2,500 combined balance), ATM fees, and other service charges. Remote Deposit Capture carries a $15 monthly fee for business customers.
3. Credit Card Interchange and Partnership Revenue: County Bank issues Visa credit cards in partnership with TCM Bank, N.A., generating revenue through interchange fees on card transactions. The bank's cRewards program incentivizes card usage.
4. Merchant Services Fees: Business customers can accept card payments through customized merchant services solutions (EMV terminals, POS systems, mobile solutions), with funds deposited directly into County Bank business accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels5 records

Core offering

County Bank is an independently-owned community bank offering deposit products (checking, savings, money market, CDs), consumer loans (mortgages, construction, auto), commercial loans (real estate, SBA, equipment, operating lines of credit), and agricultural loans (operating, livestock, real estate, Farmer Mac, FSA-guaranteed). The bank supplements these with digital services including Fiserv-powered mobile and online banking, mobile check deposit, ACH origination, Remote Deposit Capture, merchant card processing, and Visa credit cards issued through TCM Bank partnership.

Product overview

County Bank is a full-service community bank offering a comprehensive portfolio of banking products and services for both personal and business customers. The bank's core offerings include multiple checking account tiers (eZ Cash, eZ Cash Back, Basic Checking, Ambassador Club Checking) with rewards programs, savings products (eZ Saver, standard Savings, Health Savings Account, Club Accounts), money market accounts, and certificates of deposit. For business customers, the bank provides checking, savings, money market, and CD accounts along with business management services including Business Online Banking, Remote Deposit Capture, Business ACH Manager, and Merchant Services. The lending suite covers consumer loans (home mortgage, construction, auto), commercial loans (real estate, equipment, SBA, operating lines of credit), and specialized agriculture loans (operating, equipment, livestock, real estate). Digital banking services include Online Banking & Bill Pay, Mobile Banking (iPhone/Android apps), eStatements, Instant Issue Debit Cards, and Credit Cards through partnership with TCM Bank. The bank integrates with third-party platforms including QuickBooks and Quicken for accounting, MoneyPass for ATM access, and PopMoney for person-to-person payments.

Differentiator

Problem solved

Functional benefit

Brands

• eZ Cash: High-yield checking account with rewards and ATM fee refunds
• eZ Cash Back
• eZ Saver
• Ambassador Club Checking
• cRewards

Products and services

• eZ Cash Checking High-yield rewards checking account paying up to 3.38% APY on balances up to $10,000 when monthly qualifications are met, with nationwide ATM fee refunds up to $25 per month. Targeted at individual consumers seeking above-market yield on liquid deposits.
• eZ Cash Back Checking Rewards checking account paying 4% cash back on debit card purchases up to $10 per monthly cycle, with ATM fee refunds nationwide. Designed for individual consumers who prefer spend-based rewards over interest.
• Basic Checking

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• TCM Bank, N.A.coreStrategic or Co-development PartnerCounty Bank partners with TCM Bank, N.A. to issue Visa Platinum consumer and small business credit cards. The partnership allows County Bank to offer competitive-rate credit cards with rewards (cRewards program earning points on purchases) without operating its own card issuance infrastructure. Cards include zero liability assurance, online management, and identity theft assistance.
• MoneyPasscoreTechnology or IntegrationCounty Bank provides customers access to the MoneyPass ATM Network, offering over 24,000 surcharge-free ATMs nationwide. This partnership eliminates ATM surcharge fees for customers across the United States. County Bank also provides a MoneyPass Locator app and online search tools.
• FiservcoreTechnology or IntegrationCounty Bank's mobile banking application is powered by Fiserv. The Fiserv platform provides real-time balances, account management, mobile check deposit, transfers, bill pay, alerts, and card management through the County Bank Mobile app on iOS and Android devices.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• BTC Bank: BTC Bank is a community bank headquartered in Bethany, Missouri (Harrison County), serving northwest Missouri and eastern Kansas. It is highly comparable to County Bank in size, geographic niche (rural Missouri), community-bank positioning, and agricultural lending focus, with similar reliance on ag and small-business customers.
• FCS Financial: FCS Financial is a Farm Credit System lending cooperative serving Missouri and northeast Kansas farmers. Comparable to County Bank specifically on the agricultural lending segment — operating loans, equipment, livestock, and ag real estate — and is a direct competitor for ag borrowers in the same North-Central Missouri territory.
• Hawthorn Bank: Hawthorn Bank is a Missouri community bank serving central Missouri communities including Jefferson City and surrounding counties. Comparable to County Bank in community-bank positioning, retail/commercial/ag lending mix, and similar size-class institution.
• Citizens Bank & Trust: Citizens Bank & Trust is a Missouri-based community bank serving the Chillicothe area in north-central Missouri. Comparable to County Bank in regional footprint, community-bank scale, retail/SMB/ag lending mix, and direct competition for overlapping customer bases in adjacent counties.

Broad incumbents

• Busey Bank: Busey Bank is a Midwest regional bank serving Illinois, Missouri, Indiana, and Florida with retail, commercial, and ag lending. Comparable in offering community-bank-style relationship banking with ag and commercial specialization, but operates at much larger scale than County Bank.
• Bank of Missouri: Bank of Missouri is a larger Missouri-based community bank with broader multi-state footprint across Missouri, Kansas, Iowa, and Illinois. Comparable in product breadth (retail, commercial, mortgage, ag) and technology platform, but operates at materially larger scale than County Bank and competes for the same Missouri SMB and consumer relationships.
• Commerce Bank: Commerce Bank is a major Missouri-headquartered regional bank with branches across Missouri, Kansas, Illinois, and Oklahoma. Comparable in offering broad retail and commercial banking, but operates at much larger scale than County Bank and represents the 'megabank' competitor that County Bank explicitly positions against.
• Great Western Bank: Great Western Bank is a regional community bank serving Midwest and Western states with retail, commercial, and ag lending. Comparable in product mix including agricultural lending and community-bank positioning, but operates at significantly larger scale than County Bank.

Emerging players

• Stride Bank: Stride Bank is an Oklahoma-chartered community bank that has pivoted heavily into fintech-as-a-service and digital banking partnerships. Comparable as a small chartered bank operating in the digital/fintech partnership space (BaaS), representing an alternative model to County Bank's traditional community-banking approach.

Regional players

• United State Bank: United State Bank is a community bank serving central Missouri communities around Lewistown and Canton. Comparable to County Bank in community-bank scale, rural Missouri footprint, and retail/ag/SMB lending mix, operating in an adjacent region of Missouri.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/county_bank
• LinkedInlinkedin.com/company/county-bank-brunswick-mo-

Compliance2 records

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 County Bank