Lollands Bank

What Lollands Bank does

Lollands Bank A/S is a regional Danish bank founded in 1907 (originally as Lollands Handels- og Landbrugsbank) and headquartered in Nakskov on the island of Lolland. It operates four physical branches across Lolland, Falster, Sydsjælland, and Møn, serving three customer segments: retail customers (privatkunder), business customers (erhvervskunder) including SMEs and agricultural operations, and local associations (foreninger). The bank is publicly listed on the Copenhagen Stock Exchange under ticker LOLB, is owned by approximately 9,000 shareholders, and operates with a share capital of 21.6 million DKK. As of Q1 2026 the bank reported total lending of 2.4 billion DKK (+7.8% YoY) and total deposits including pool schemes of 4.8 billion DKK (+9.4% YoY), with a capital ratio of 30.2% providing a 10.0% surplus over regulatory requirements.

The bank's product suite covers transaction accounts and cards (Dankort, Visa/Dankort, Mastercard Debit/Credit, Apple Pay, Google Pay), savings products (LB Plus, LB Junior, Ungkonto, Energilån for energy-efficiency improvements), housing finance distributed through the Totalkredit partnership (including Fastrente+ with up to 30-year interest-only periods), car loans, youth credit, business credit facilities, leasing, insurance via Privatsikring, and investment products distributed through BankInvest and Sparinvest partnerships. Delivery is supported by a digital stack including Netbank (private and business), Mobilbank for iOS and Android, Digital Underskrift for electronic signatures, and PSD2-compliant APIs for third-party providers; core banking infrastructure is provided by BEC Financial Technologies. ESG advisory for business customers is delivered through a Valified partnership announced in May 2026.

Revenue is generated through net interest income on the lending book and deposit franchise, fee and commission income from investment services, securities trading, payment services, account management, and real estate transaction fees, plus securities income from investment fund distribution. The bank reported 2025 core earnings (basisindtjening) of 94.0 million DKK versus 90.2 million DKK in 2024, and result before tax of 113.7 million DKK versus 131.3 million DKK in 2024. For 2025, the board proposed a 30 million DKK dividend - the largest in the bank's 119-year history. Distribution relies on a sales-led, relationship-banking model executed through the four branches with dedicated business advisors (erhvervsrådgivere), combined with self-service digital channels, local community events, and sponsor-based marketing.

Name

Lollands Bank

Legal name

Lollands Bank A/S

Website

https://lollandsbank.dk

Company type

Public

Founded year

1907

Operating status

Operating

Headcount range

101–250 employees

Short description

Lollands Bank is a publicly listed Danish regional bank founded in 1907, operating four branches across Lolland, Falster, Sydsjælland, and Møn to serve retail customers, SMEs, agricultural businesses, and local associations with full retail and commercial banking services.

Ownership category

akta.pro rank

Headquarters

HQ city

Nakskov

HQ country

Denmark

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including housing loans, car loans, business loans, and credit facilities. Net interest income is affected by market interest rate levels.
2. Fee and Commission Income: Fees from investment services, securities trading, payment services, account management, and real estate transaction fees from property sales. Growing revenue stream showing increased fees and commissions in 2025.
3. Securities and Investment Products: Revenue from investment fund management through partnerships with BankInvest, Sparinvest, and Valified. Income from securities trading and portfolio management.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

No information available in the source content.

Product overview

Lollands Bank offers a comprehensive suite of banking products and services through its digital banking platform (Netbank and Mobilbank) and branch network. The core offering includes transaction accounts, savings products (LB Plus, LB Junior, Ungkonto), and various lending products (housing finance via Totalkredit, car loans, energy loans, youth credit facilities). Payment services include multiple card products (Dankort, Visa/Dankort, Mastercard), Apple Pay, Google Pay integration, and business payment solutions. Investment products are offered through partnerships with BankInvest and Sparinvest, including investment funds, stock savings accounts, and investment accounts. The bank also provides insurance products, leasing solutions, and ESG advisory services for business customers through its Valified partnership. Digital banking is delivered via Netbank (private and business versions), Mobilbank app, Digital Underskrift for electronic signatures, and Totalkredit's Mit Hjem app.

Differentiator

Problem solved

Functional benefit

Brands

• LB Plus: A savings account product offering interest on deposits, with special terms for first 100,000 DKK.
• LB Junior
• Ungkonto
• Energilån
• Nakskov Bymidtelån

Quantifiable outcome

• Customer base continues to grow with particular strength among young customers and first-time home buyers
• +2 more outcomes

Named customers4 records

Segments3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

Nine partnerships are on record, tiered strategic, minor and core.

• ValifiedstrategicGTM or Marketing Partner · 1 May 2026ESG data partnership enabling business customers to get ESG overview of their company through shared data. The partnership helps businesses actively use their data for development and supports qualified dialogue between the bank and business customers about ESG matters.
• Nakskov BymidtefondminorStrategic or Co-development Partner · 1 February 2021Partnership supporting urban development in Nakskov. Lollands Bank offers 'Nakskov Bymidtelån' financing product for renovation of historically valuable properties in Nakskov's city center, complementing the foundation's grant program.
• TotalkreditcoreChannel Partner/ Reseller/ DistributorPartnership for mortgage lending services. Totalkredit provides home loan products that Lollands Bank distributes to customers. Recent collaboration includes Fastrente+ products with up to 30 years of payment-free periods and price reductions on payment-free options.
• BankInvestcoreStrategic or Co-development PartnerInvestment fund management partnership. BankInvest produces 'Update fra finansmarkederne' video series (8-10 times yearly) distributed through Lollands Bank's platforms, providing customers with financial market insights and investment guidance.
• SparinvestcoreStrategic or Co-development PartnerInvestment fund partnership. Sparinvest produces 'InvesteringsFokus' video content distributed through Lollands Bank's website, providing customers with market analysis and investment perspectives.
• BEC Financial TechnologiescoreTechnology or IntegrationTechnology partner providing banking systems infrastructure including netbank and mobilbank platforms. Collaboration focuses on continuous improvement of digital solutions and accessibility for customers.
• DLR-KreditminorChannel Partner/ Reseller/ DistributorAgricultural credit specialist partner providing specialized lending products for agricultural businesses in the bank's market area.
• Lolland and Guldborgsund MunicipalitiesstrategicStrategic or Co-development PartnerCollaboration with municipalities on agricultural climate accounting campaign, offering farmers in Lolland and Falster advisory services connected to developing climate accounts for their agricultural operations.
• PrivatsikringminorGTM or Marketing PartnerInsurance partner providing home insurance advisory and crime prevention guidance distributed through Lollands Bank's platforms and advice services.

Scale indicators12 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Danske Bank: Danske Bank is Denmark's largest universal bank, offering the full retail, business, and investment banking suite that Lollands Bank competes against. It serves as the broad incumbent benchmark for product breadth, digital scale, and competitive pricing pressure.
• Nykredit Bank: Nykredit is Denmark's largest mortgage provider and a major full-service bank, operating alongside Lollands Bank's Totalkredit distribution partnership. As a systemically important incumbent, it sets the competitive baseline for mortgage and investment products.

Direct peers

• Spar Nord Bank: Spar Nord is a publicly listed Danish regional bank operating a multi-branch model across northern Jutland with retail and business banking offerings directly comparable to Lollands Bank, though at somewhat larger scale.
• Jutlander Bank: Jutlander Bank is a smaller Danish regional bank serving central Jutland through a branch network focused on retail and SME banking, making it a close small-cap comparable in both business mix and footprint.
• Skjern Bank: Skjern Bank is a small publicly listed Danish regional bank with a branch-based retail and SME model, providing a direct small-cap banking comparable for Lollands Bank in size and strategy.
• Ringkjøbing Landbobank: Ringkjøbing Landbobank is a Danish regional bank serving western Jutland with a similar community-banking model, branch network, and focus on retail and SME customers. It is one of the most direct size-and-strategy comparables for Lollands Bank.
• Sydbank: Sydbank is a major publicly listed Danish regional bank headquartered in southern Denmark with a similar relationship-banking, branch-led model targeting retail and SME customers in southern Jutland and Funen — a closely analogous geographic and strategic positioning to Lollands Bank.
• Djurslands Bank: Djurslands Bank is a small Danish regional bank operating in eastern Jutland with retail and SME banking, comparable in scale and customer segmentation to Lollands Bank's position in southern Denmark.
• Nordjyske Bank: Nordjyske Bank is a regional Danish bank serving northern Jutland with retail, business, and agricultural lending, comparable in product breadth and regional focus to Lollands Bank's southern Denmark footprint.
• Totalbanken: Totalbanken is a small Danish regional bank focused on Funen and southern Denmark, with a retail and SME banking model closely analogous to Lollands Bank's branch-based regional franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pg/lollandsbank/posts/?ref=page_internal

Compliance5 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 Lollands Bank