Sibley State Bank
Sibley State Bank is a state-chartered Iowa community bank, founded in 1894, that offers personal and business banking — including deposits, lending, credit cards, agribusiness financing, and digital banking — under the FNBO brand. It serves retail consumers and small-to-medium businesses across the Midwest.
- Company typePrivate
- Founded1894
- HeadquartersSibley, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Sibley State Bank does
Sibley State Bank is a state-chartered community bank founded in 1894 and headquartered in Sibley, Iowa. It operates as a brand under First National Bank of Omaha (FNBO), which provides the underlying technology infrastructure, issues its credit cards, and supplies shared corporate functions including information security leadership. The bank serves individual consumers and small-to-medium businesses, with a particular emphasis on agricultural operations across the Midwest region.
The bank delivers a comprehensive personal and business banking suite spanning deposit products (checking, savings, CDs, IRAs, HSAs), lending products (mortgages, home equity, personal, auto, student, business, and agriculture loans), and credit cards issued under Visa and Mastercard brands. Its digital banking platform — comprising web-based Online Banking and a mobile application available on iOS and Android — supports 24/7 account management, mobile check deposit, bill pay, biometric authentication, and Quicken/QuickBooks data export. Value-added integrations include Zelle for peer-to-peer payments, Apple Pay and Samsung Pay mobile wallet support, Visa Secure Remote Commerce for online checkout, FICO Bankcard Score 9 access, and 24/7 fraud monitoring with Visa and Mastercard Zero Liability protection.
Sibley State Bank generates revenue primarily through net interest income on its loan portfolio and deposits, supplemented by account and transaction fees, merchant services, treasury management, and credit card interchange. Distribution is omnichannel, combining physical branch locations and an ATM network with self-service digital channels. Marketing emphasis is on driving enrollment into online and mobile banking services. The bank maintains regulatory compliance with FDIC insurance, USA Patriot Act identity verification, PCI DSS, ISO 27001, WCAG 2.0 AA accessibility standards, and Community Reinvestment Act public disclosure obligations.
Sibley State Bank firmographics
Firmographics- Name
- Sibley State Bank
- Legal name
- Sibley State Bank
- Website
- https://sibleystatebank.com
- Company type
- Private
- Founded year
- 1894
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Sibley State Bank is a state-chartered Iowa community bank, founded in 1894, that offers personal and business banking — including deposits, lending, credit cards, agribusiness financing, and digital banking — under the FNBO brand. It serves retail consumers and small-to-medium businesses across the Midwest.
- Ownership category
- akta.pro rank
Sibley State Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Sibley State Bank is headquartered
LocationHeadquarters
- HQ city
- Sibley
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Sibley State Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Primary revenue driver from spread between interest earned on loans (mortgages, personal loans, auto loans, student loans, agricultural loans, business loans) and interest paid on deposits (checking, savings, CDs, IRAs)
- Account and Transaction Fees: Fees from checking accounts, savings accounts, credit cards, merchant services, treasury management services, and wire transfers
- Commercial Banking Services: Revenue from business checking, merchant services, treasury management, cash management, ACH payments, remote deposit capture, and business lending including agriculture loans
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Health Savings Account - $0 minimum deposit to open |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels3 records
Sibley State Bank product offering
Product offeringCore offering
Sibley State Bank is an FDIC-insured community bank offering personal banking (checking, savings, CDs, IRAs, credit cards, mortgages, home equity, auto, personal and student loans, HSAs), business banking (business checking, business credit cards, merchant services, treasury management, ACH, remote deposit) and specialized agribusiness lending. Services are delivered through Iowa branches, an ATM network, a 24/7 online banking platform and a mobile banking app with Zelle, Apple Pay, Samsung Pay, mobile deposit and FICO score access.
Product overview
Sibley State Bank is a regional community bank offering a comprehensive suite of personal and business banking products through an integrated multi-channel platform. The core offerings include personal checking, savings, credit cards, mortgages, and loans alongside business banking services such as checking, merchant services, treasury management, and agriculture loans. Digital Banking serves as the primary technology platform, encompassing Online Banking (web), Mobile Banking App (iOS/Android), and Business Digital Banking, which collectively enable account access, mobile deposits, fund transfers, bill payment, and digital payments. Key digital payment features include Zelle (P2P), Apple Pay, Samsung Pay, and Visa SRC. The bank also provides value-added services like FICO Score access, fraud protection with 24/7 monitoring, Cash Management Online for businesses, and Health Savings Accounts. All services are unified under the FDIC-insured Sibley State Bank brand operating from Iowa.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
Companies that use Sibley State Bank
Customer profileSegments2 records
Ideal customer profiles2 records
Sibley State Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability3 records
Feature5 records
Sibley State Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and flagship.
- Early Warning Services, LLC (Zelle)coreSibley State Bank integrates Zelle peer-to-peer payment service, owned by Early Warning Services, LLC, allowing customers to send and receive money directly from their accounts using email or mobile numbers, typically within minutes. Zelle is available through the bank's mobile app and online banking platform.
- ApplecoreIntegration with Apple Pay allowing customers to add their Sibley State Bank credit and debit cards to Apple Wallet for secure contactless payments at participating merchants, in apps, and on the web using supported Apple devices with Touch ID authentication.
- SamsungcoreSamsung Pay integration enabling customers to add their Sibley State Bank cards to Samsung Pay for secure payments at merchants where swipe or tap is accepted, using fingerprint or PIN authorization.
- VisacoreSibley State Bank issues Visa-branded credit cards and supports Visa Secure Remote Commerce for online checkout. Cards are protected by Visa's Zero Liability policy for unauthorized transactions.
- MastercardcoreSibley State Bank credit cards carry Mastercard brand with Zero Liability protection for unauthorized transactions, in addition to fraud monitoring services.
- FICO (Fair Isaac Corporation)corePartnership with FICO to provide customers free access to their FICO Bankcard Score 9 through the bank's website and mobile app. The score is updated monthly and helps customers understand their creditworthiness.
- First National Bank of Omaha (FNBO)flagshipSibley State Bank operates as a brand under First National Bank of Omaha (FNBO/FNNI). Website references FNBO branding, FNBO copyrights, and FNBO's Chief Information Security Officer Jeffrey Weeks oversees security. FNBO issues the credit cards and provides the technology infrastructure.
Scale indicators2 records
Recent moves6 records
Expansion highlights3 records
Sibley State Bank competitors and assessment
Company assessmentDirect peers
- West Bank: Iowa community bank offering personal banking, mortgages, business loans, and treasury services to Midwest customers. Same community-bank positioning and small-business/ag focus as Sibley State Bank.
- Bank Iowa: Iowa-headquartered community bank offering personal, business, and agricultural lending across rural Iowa. Highly comparable to Sibley State Bank in product mix (checking, mortgages, ag loans) and customer base (small-town Iowa consumers, farmers, SMBs).
- GreenState Credit Union: Iowa-headquartered credit union with statewide branch network and full personal/business banking suite including mortgages and ag exposure. Competes directly with Sibley for the same Iowa households and small businesses.
- Iowa State Bank: Independent Iowa community bank providing personal and commercial banking including ag lending. Mirrors Sibley's positioning as a relationship-led, community-rooted bank serving Iowa consumers and small businesses.
- First Bankers Trust Company: Quincy, Illinois-based community bank with personal, business, and agricultural lending. Comparable to Sibley in product breadth and small-town Midwest relationship-banking model.
- United Bank of Iowa: Iowa-headquartered community bank with personal banking, ag lending, and commercial services. Directly comparable to Sibley in target customer (Iowa farmers and small-town residents) and product suite.
- Hills Bank: Iowa-based community bank serving individuals, businesses, and ag customers with a similar deposit-and-loan model. Operates physical branches and digital banking in overlapping Iowa markets, making it a direct comparable for Sibley's service approach.
- Central State Bank: Iowa-based community bank offering checking, savings, mortgages, and ag loans to consumers and small businesses in rural Iowa. Highly comparable customer profile and product offering to Sibley State Bank.
Broad incumbents
- First National Bank of Omaha (FNBO): Regional bank holding company and parent/affiliate of Sibley State Bank. Overlaps heavily in personal and business banking products, but operates at broader scale across multiple states and is the strategic decision-maker for the Sibley brand.
- Pathward Financial (formerly MetaBank): Iowa-headquartered banking group with consumer and commercial banking operations. Comparable in regional Midwest footprint and community-bank heritage, but operates at significantly larger scale and broader product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Sibley State Bank social profiles
Digital presenceSibley State Bank compliance and trust
Trust signalCompliance6 records
Sibley State Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sibley State Bank leadership team
Management profileNumber of profiles
Profiles1 record
Sibley State Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sibley State Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sibley State Bank
What does Sibley State Bank do?
Sibley State Bank is an FDIC-insured community bank offering personal banking (checking, savings, CDs, IRAs, credit cards, mortgages, home equity, auto, personal and student loans, HSAs), business banking (business checking, business credit cards, merchant services, treasury management, ACH, remote deposit) and specialized agribusiness lending. Services are delivered through Iowa branches, an ATM network, a 24/7 online banking platform and a mobile banking app with Zelle, Apple Pay, Samsung Pay, mobile deposit and FICO score access.
Is Sibley State Bank a public or private company?
Sibley State Bank is a private company. It is classified as corporate owned and is currently operating.
When was Sibley State Bank founded?
Sibley State Bank was founded in 1894. It employs 1 to 10 people.
Where is Sibley State Bank based?
Sibley State Bank is headquartered in Sibley, United States, in the North America region.
How does Sibley State Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are account and Transaction Fees and commercial Banking Services.
Who are Sibley State Bank's main competitors?
Direct peers on record are West Bank, Bank Iowa, GreenState Credit Union, Iowa State Bank, First Bankers Trust Company, United Bank of Iowa, Hills Bank and Central State Bank. Broad incumbents are First National Bank of Omaha (FNBO) and Pathward Financial (formerly MetaBank).
Does Sibley State Bank have an API?
No public API is recorded for Sibley State Bank.
What industry is Sibley State Bank in?
Sibley State Bank's product category is Community Banking. Its primary akta.pro industry code is FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 5221 and its SIC code is 6022.