Crawford County Bank

What Crawford County Bank does

Crawford County Bank is a privately held, FDIC-insured community bank headquartered at 21 North Main, Denison, Iowa, serving individuals, families, small businesses, and agricultural operations primarily in Crawford County and the surrounding western Iowa trade area. The bank operates a full-service retail banking franchise spanning consumer deposit products (checking, savings, CDs, IRAs), consumer credit (credit cards, mortgages, home equity, personal, auto, and student loans), and small-business banking (business checking, business credit cards, merchant services, treasury management, small business loans, and specialized agriculture operating lines and equipment loans). Originally chartered in 1927 as Crawford County Trust and Savings Bank, the institution has operated continuously under the same name and is affiliated with First National Bank (FNBO), from which it appears to draw shared technology, branding, and operational infrastructure.

The bank's technology stack is a multi-channel digital platform layered on a single physical branch and free ATM network in its service area. Online banking and iOS/Android mobile apps support 24/7 account access, mobile remote deposit capture, biometric authentication (Touch ID/Fingerprint ID), bill pay, paperless statements, account alerts, and Quicken/QuickBooks data export. Payments integrations include Zelle for peer-to-peer transfers, Apple Pay and Samsung Pay for tokenized in-store and in-app purchases, and Visa Secure Remote Commerce for streamlined online checkout. A dedicated Business Digital Banking module adds Cash Management Online with ACH origination, direct deposit payroll, pre-authorized payments, and remote deposit capture. Security controls include 256-bit encryption, firewalls, automatic session timeout, and a Security Center with educational content on phishing, ransomware, and fraud. The bank is WCAG 2.0 Level AA conformant for web accessibility and complies with the USA Patriot Act for customer identification.

Crawford County Bank generates revenue primarily through net interest income on its lending portfolio, supplemented by transaction and service fees. Revenue streams include interest income from consumer and commercial loans, deposit account fees, credit card interchange and revolving balance interest, treasury management and merchant services fees for business customers, and interest rate spreads on CDs and IRA products. Distribution is direct-to-consumer via the branch, ATMs, and digital channels, with self-service online enrollment for both individual and business banking. Marketing relies on the website, organic local search, community sponsorship (4-H, FFA, Relay-for-Life, Arts Council), and security education content rather than paid acquisition channels.

Name

Crawford County Bank

Legal name

Crawford County Bank

Website

https://crawfordcountybank.com

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

11–50 employees

Short description

Crawford County Bank is a privately held, FDIC-insured community bank in Denison, Iowa offering personal and business banking products to local consumers, families, small businesses, and agricultural operations since 1927.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141), Functions Related To Depository Banking, Nec (6099)

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), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking
• Personal banking services
• Small business lending
• Agricultural loans
• Digital banking

Headquarters

HQ city

Denison

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: Core banking revenue generated from interest charged on loans including mortgages, home equity loans, personal loans, auto loans, student loans, business loans, and agriculture operating lines and equipment loans.
2. Deposit Account Fees and Charges: Fees associated with checking and savings accounts, potentially including monthly maintenance fees, overdraft fees, and ATM usage fees.
3. Credit Card Revenue: Revenue from credit card transactions including interchange fees, annual fees, interest charges on revolving balances, and balance transfer fees for both personal and business credit cards.
4. Treasury Management and Merchant Services: Fees from cash management services including ACH payments, direct deposit payroll processing, remote deposit capture, and merchant card processing services for business customers.
5. Certificate of Deposit and IRA Products: Time deposits and individual retirement accounts generating revenue through interest rate spreads between borrowing and lending rates.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Crawford County Bank is a community bank that accepts deposits (checking, savings, CDs, IRAs) and originates loans (mortgages, home equity, personal, auto, student, business, agribusiness) for individuals, families, and small businesses in the Crawford County, Iowa area. It delivers these products through a Denison branch, free ATMs, and digital banking channels (online and mobile) that include bill pay, mobile deposit, Zelle P2P payments, and mobile wallet support.

Product overview

Crawford County Bank is a traditional community bank offering a comprehensive suite of financial products for both personal and business customers. The core product portfolio includes checking, savings, credit cards, loans (mortgage, personal, auto, student, home equity), and certificates of deposit. The bank operates as a platform-plus-modules structure centered on its Digital Banking platform, which unifies Online Banking, Mobile Banking, and Digital Payments (including Zelle, Apple Pay, Samsung Pay, and Visa SRC). Business banking includes specialized products like Agriculture Loans, Merchant Services, and Treasury Management with Cash Management Online. Ancillary services include free FICO Score access and paperless statements. All products are delivered through physical branches in Denison, Iowa, combined with digital channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Checking account options for everyday personal banking, integrated with online and mobile digital banking for account management.
• Personal Savings Accounts Savings accounts with online flexibility for building emergency funds and long-term personal savings goals.
• Personal Credit Cards Credit card products for personal use with fraud protection, zero liability programs, and digital wallet integration.
• Certificates of Deposit (CDs) Time deposit accounts with fixed terms allowing customers to earn guaranteed returns on savings.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts for building nest eggs over time.
• Mortgage Loans Home financing products for purchasing or refinancing residential property.
• Personal Loans Unsecured personal loans for various financial needs including debt consolidation, major purchases, or unexpected expenses.
• Home Equity Loans Loans secured by the borrower's home equity, usable for home improvements, debt consolidation, or other large expenses.
• Auto Loans Financing options for purchasing new or used vehicles.
• Student Loans Education financing products to help students and families cover college costs.
• Business Checking Accounts Business checking options designed for businesses of all sizes with digital banking integration.
• Business Credit Cards Credit card products designed to meet business spending needs with expense management capabilities.
• Small Business Lending Loans and lines of credit providing capital for business growth, operations, and expansion.
• Merchant Services Payment processing services enabling businesses to accept card transactions from customers.
• Treasury Management Cash management solutions including ACH payments, direct deposit payroll, and pre-authorized payments for business financial operations.
• Agriculture Loans Specialized lending products for agricultural operations including operating lines of credit and equipment loans.
• Digital Banking (Online & Mobile) Unified digital banking platform providing 24/7 online and mobile access to personal and business accounts for balance checks, fund transfers, statement viewing, bill pay, mobile remote deposit, biometric authentication, and account alerts.
• Business Digital Banking Comprehensive online and mobile banking platform for business account management, including Cash Management Online with ACH initiation, direct deposit payroll, remote deposit capture, and user access controls.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• United Bank of Iowa: Iowa community bank providing personal banking, business banking, agricultural lending, and digital channels to rural Iowa markets. Comparable as a similarly-sized Iowa community bank with agribusiness focus and full-service retail offerings.
• Hills Bank and Trust Company: Iowa-based community bank offering personal and business banking, agricultural lending, and digital banking services. Directly comparable as a Midwest community bank of similar scale serving small-town Iowa customers with relationship-based banking.
• GreenState Credit Union: Iowa-headquartered credit union offering checking, savings, lending, and digital banking services across the state. Comparable as a competing Iowa-headquartered depository institution serving similar consumer and small business segments with modern digital features.
• Central State Bank (Iowa): Iowa community bank offering personal banking, business banking, and agricultural lending products. Comparable as a similarly-positioned Iowa community bank with full retail and small business product suites serving rural markets.
• Iowa State Bank: Iowa-based community bank providing personal and business banking products including agricultural loans. Comparable as a similar-sized community bank operating in Iowa with comparable product breadth and agribusiness exposure.
• First State Bank (Iowa): Iowa-based community bank with personal and business banking offerings including agricultural and consumer lending. Comparable as a similarly-sized Midwest community bank operating in overlapping rural Iowa geographies.

Broad incumbents

• Heartland Financial USA: Multi-state community-focused bank holding company operating community banks across the Midwest and West. Comparable as the parent organization of multiple community banks with shared back-office infrastructure and similar full-service retail product offerings.
• First National Bank of Omaha: Parent organization of Crawford County Bank under the FNBO network; shares technology, security, and branding infrastructure. Comparable as the broader regional bank parent offering full-service personal and business banking with shared back-office capabilities.
• MetaBank: Midwest-headquartered community bank offering consumer and commercial banking, payments, and lending services. Comparable as a larger Midwest banking institution with community banking heritage and broader product suite than a single-branch community bank.

Regional players

• Pinnacle Bank (Iowa): Midwest community bank offering personal banking, business banking, and agricultural lending with multi-state branch presence. Comparable as a community bank with broader geographic reach but similar relationship-based business model and product mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/100064806463047
• LinkedInlinkedin.com/company/crawford-county-trust-and-savings-bank

Compliance4 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 Crawford County Bank