OBA Bank

What OBA Bank does

OBA Bank, operating through its holding company OBA Financial Services, Inc., is a federally chartered community/regional bank providing deposit, lending, payments, and wealth-related financial services to individuals, families, and small-to-medium businesses. Its core offerings span personal checking and savings accounts, consumer and business lending, mortgages, debit and credit cards, wealth management (delivered through Fiserv's Client Point platform), brokerage (via AdviceWorks), and insurance products (accessed via The Risk Management Center and CSR24 portals). Customer segments are organized horizontally across Personal Banking, Business Banking, and eStore® Customers with no named-anchor or enterprise concentration visible in the data.

The technology layer combines traditional banking infrastructure (branch and ATM network) with a digital platform consisting of the FNB Direct mobile app, a full-service online banking website, digital payments, telephone banking, and the proprietary eStore® marketplace — an online storefront that lets customers discover products, apply for loans, and connect with banking experts either digitally or in-branch, complemented by the eStore® Common App for document management. The bank also offers Spanish-language support (En Español) across digital and service channels. All deposit products carry FDIC insurance through the Member FDIC charter.

Revenue is generated through interest-rate spreads on deposits and loans, account and transaction fees on credit and debit cards, recurring fees on wealth management, brokerage, and insurance relationships, and marketplace-style commissions via the eStore® channel. Distribution is direct-to-consumer and omnichannel: physical branches and ATMs across an eight-state regional footprint (PA, OH, MD, DC, VA, NC, SC, WV), the FNB Direct mobile app, the online banking platform, telephone banking (1-833-BANK-FNB), and the eStore® digital marketplace serve as parallel acquisition and servicing channels. Headquarters is referenced at 626 Washington Place, Pittsburgh, PA 15219, with the parent company identified as F.N.B. Corporation; reported headcount is 51–100 employees, suggesting community-bank scale rather than the asset base implied by the eight-state footprint, and this size mismatch is the principal data-quality caveat in this description.

Name

OBA Bank

Legal name

First National Bank of Pennsylvania

Website

https://obabank.com

Company type

Public

Founded year

1861

Operating status

Operating

Headcount range

51–100 employees

Short description

OBA Bank is a federally chartered, FDIC-insured regional bank offering personal and business checking, savings, lending, credit cards, wealth management, brokerage, and insurance services through branch locations across PA, OH, MD, DC, VA, NC, SC, and WV and through its mobile app, online banking, and eStore® digital marketplace.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), 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), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Retail banking services
• Consumer lending
• Business banking
• Wealth management
• Digital banking

Headquarters

HQ city

Germantown

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Deposit Products: Traditional banking deposits including checking and savings accounts, generating revenue through interest rate spreads and account fees
2. Consumer and Business Lending: Personal loans, business loans, mortgages, and credit facilities generating interest income
3. Credit Cards: Personal credit card products with rewards programs including CashPlease cash advance service
4. Wealth Management: Wealth management services through Client Point platform for investment and asset management
5. Brokerage Services: Brokerage services through AdviceWorks platform for investment products
6. Insurance Products: Insurance products and risk management services through The Risk Management Center and CSR24 portals
7. eStore® Marketplace: Online marketplace for financial products and services, connecting customers with banking experts and enabling product applications

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

OBA Bank provides retail and commercial banking services to individuals, families, and businesses, including checking and savings accounts, personal and business loans, mortgages, credit cards, debit cards, wealth management, brokerage, and insurance products. Banking services are delivered through physical branches, digital channels including a mobile banking app and online banking platform, ATM network, telephone banking, and a proprietary eStore digital marketplace. The bank also offers wealth management, brokerage, and insurance services delivered through partner platforms.

Product overview

First National Bank (FNB) operates as a traditional regional bank offering a unified banking platform with multiple digital access channels. The core product portfolio includes eStore® (a digital marketplace for banking products and financial services), complemented by Personal Banking (checking, savings, loans, investments) and Business Banking services. Digital access is provided through Mobile Banking (FNB Direct app), Online Banking (web-based platform), Digital Payments, Debit & Credit Cards, ATM Banking, and Telephone Banking. Additional financial services include Consumer Lending, Wealth Management (via Client Point), Brokerage (via AdviceWorks), and Insurance products accessed through specialized portals. The bank serves customers across Pennsylvania, Ohio, Maryland, Washington D.C., Virginia, North Carolina, South Carolina, and West Virginia.

Differentiator

Problem solved

Functional benefit

Brands

• eStore: A seamless way to shop for products and services, open accounts, apply for loans, and connect with banking experts

Products and services

• eStore® A digital marketplace allowing customers to shop for banking products and financial services, apply for loans, open accounts, and connect with banking experts through mobile app, online, or in-branch channels.
• Mobile Banking Banking services accessible via mobile devices through a dedicated mobile app, enabling account access, transactions, and financial management on smartphones and tablets.
• Online Banking Full-featured internet banking platform allowing customers to manage accounts, pay bills, transfer funds, and access account summaries through a web browser.
• Digital Payments Electronic payment capabilities including person-to-person transfers, bill payment, and other digital transaction methods.
• Debit & Credit Cards Physical and virtual debit and credit card products with associated mobile and online management capabilities.
• ATM Banking Automated teller machine services for cash withdrawals, deposits, and basic account transactions.
• Telephone Banking Phone-based banking services allowing customers to access accounts and conduct transactions via automated or live operator assistance.
• Personal Banking (Checking & Savings Accounts) Personal checking and savings account products designed to fit different lifestyles, generating revenue through interest rate spreads and account fees.
• Consumer Lending Personal loan products including personal credit cards, with access to card statements and rewards management through third-party platforms, generating interest income.
• Business Banking Business checking accounts, business loans, treasury management, and staff management solutions designed for small to medium-sized businesses, providing capital access and financial management support.
• Wealth Management Comprehensive wealth management services including investment advisory, portfolio management, and financial planning delivered through the Fiserv Client Point platform.
• Brokerage Services Investment and securities trading services accessible through the AdviceWorks platform, providing brokerage account management for customers.
• Insurance Services Insurance products and risk management solutions offered through The Risk Management Center and CSR24 portals for personal and business customers.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Fiserv (Client Point)coreTechnology or IntegrationWealth management services delivered through Fiserv's Client Point platform, enabling clients to access investment management and wealth services integrated with FNB banking accounts
• AdviceWorkscoreTechnology or IntegrationBrokerage services platform providing investment products and brokerage account management for FNB customers
• The Risk Management CentersupportingTechnology or IntegrationInsurance risk management portal for loss prevention and insurance services accessible through FNB banking relationships
• CSR24supportingTechnology or IntegrationInsurance services portal providing certificate tracking and insurance management for business and personal customers
• CashPleasesupportingTechnology or IntegrationCash advance service platform for credit card customers providing short-term liquidity options
• MyCardStatementsupportingTechnology or IntegrationCredit card statement and account management portal for personal credit card customers
• Scorecard RewardssupportingTechnology or IntegrationCredit card rewards program platform enabling customers to earn and redeem rewards on FNB credit cards

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• S&T Bancorp: Pennsylvania-based community bank holding company offering consumer and commercial banking, wealth management, and mortgage services. Comparable size and focus on Western PA and adjacent markets.
• Fulton Financial Corporation: Mid-Atlantic community bank holding company serving PA, NJ, MD, DE, VA, and DC with consumer and commercial banking. Direct peer in size, footprint, and product mix for community/regional commercial banking.
• M&T Bank: Regional bank serving PA, NY, MD, VA, DC, and the Carolinas with consumer and commercial banking, mortgage, and wealth services. Closely comparable regional commercial bank with similar mid-Atlantic footprint and product breadth.
• Univest Financial Corporation: PA-headquartered bank holding company serving PA, NJ, and surrounding markets with consumer, business, and wealth banking. Comparable community/regional bank profile and product mix.
• F.N.B. Corporation: NYSE-listed parent company (FNB) operating First National Bank of Pennsylvania across PA, OH, MD, DC, VA, NC, SC, WV with the same digital platform (FNB Direct, eStore) and product suite. Directly comparable regional commercial bank franchise.
• ACNB Corporation: Pennsylvania-headquartered community bank holding company serving PA, MD, and VA with consumer, business, and mortgage banking. Direct peer in community/regional commercial banking space.

Broad incumbents

• PNC Financial Services: Large diversified US bank with strong Mid-Atlantic and Southeast presence offering consumer and business banking, wealth, and treasury services. Overlaps on regional commercial banking and SMB lending but at much greater scale and broader product set.
• Truist Financial: Top-10 US bank with extensive branch network across the Carolinas, Virginia, Maryland, and the broader Southeast. Competes directly in the same states with consumer, business, wealth, and insurance offerings.
• Citizens Financial Group: Mid-sized US bank with strong presence in the Northeast and Mid-Atlantic, including Pennsylvania. Offers consumer, commercial, and wealth management services overlapping with FNB's core banking lines.

Emerging players

• Ally Financial: Digital-first US bank and auto lender offering deposits, credit cards, and lending with no branch network. Represents the digital-native competitive threat to regional banks' deposit and consumer lending franchises.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/americansavingsbank
• LinkedInlinkedin.com/company/oba-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 OBA Bank