cnob.com

What cnob.com does

ConnectOne Bank is a community commercial bank headquartered in Englewood Cliffs, New Jersey, founded in 2005 and operating a branch and commercial banking franchise across New Jersey, New York, and South Florida. The bank delivers a full suite of personal and business banking products, including deposit accounts, consumer and commercial loans, mortgages, treasury management, and payment services, and operates an FDIC-insured, NMLS-licensed (#798509) depository model.

The bank differentiates through industry-specialized solutions targeting Non-Profits, Independent Schools, Real Estate/Landlords, Law Firms, and Healthcare clients, packaging deposits, lending, and cash-management workflows for each segment. Its technology stack rests on the nCino Agentic Operating System for core deposit and lending operations, supplemented by AI-driven administrative tools, a digital banking platform, Visa card-issuing rails, Zelle person-to-person payments, and FIS Global infrastructure. The bank also publishes an Investor Relations site and a corporate podcast ('Building the Blueprint'), indicating active stakeholder engagement.

Revenue is generated through traditional community-banking mechanics — net interest income on the loan and securities portfolio funded by deposits, plus fee income from treasury management, card services, and payment processing. Customer acquisition is branch-led in core markets and digitally enabled elsewhere, with verticalized sales motions aimed at deepening SMB wallet share rather than pursuing large enterprise anchors.

Name

cnob.com

Legal name

ConnectOne Bank

Website

https://cnob.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

ConnectOne Bank is an FDIC-insured community bank headquartered in Englewood Cliffs, NJ, delivering personal and business banking plus industry-specialized solutions across New Jersey, New York, and South Florida for consumers, nonprofits, schools, and SMBs.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Retail banking services
• Commercial banking services
• Consumer lending products
• Digital banking platforms
• Treasury management services

Headquarters

HQ city

Englewood Cliffs

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Traditional banking revenue generated from interest charged on loans including commercial loans, real estate financing, mortgages, home equity loans, SBA loans, small business loans, and consumer loans
2. Deposit-Based Revenue: Revenue generated from deposit accounts including checking accounts, savings accounts, CDs, and time deposits through interest spread and service fees
3. Banking Service Fees: Fees from services such as wire transfers, ACH transactions, overdraft protection, check ordering, and treasury management solutions
4. Credit Card Revenue: Revenue from business and personal credit card transactions and interchange fees

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

ConnectOne Bank is a community bank providing personal and business deposit accounts, lending products, credit cards, payment services, and treasury management. Customers can access these services through branches, online banking, mobile banking, and direct relationship-management channels.

Product overview

ConnectOne Bank operates as a community bank offering a unified platform of banking products across personal and business segments. The product portfolio includes core deposit products (checking, savings, CDs, time deposits), comprehensive digital banking services (online and mobile banking with 24/7 access), diverse lending solutions (commercial real estate, SBA loans, business credit cards, mortgages, home equity, consumer loans), and treasury management services (wires, ACH, Remote Deposit Capture). The bank also provides specialized industry-specific solutions for Non-Profit, Independent Schools, Real Estate/Landlord, Law Firms, and Healthcare sectors, along with payment integrations including Zelle and Mobile Wallets. Key digital tools include MyCard Manager for card control and Extended FDIC Coverage for enhanced deposit protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Small Business Checking Checking account for small businesses with features focused on ease, flexibility, and enhanced protection for business banking needs.
• Business Checking Account Checking account providing essential banking services for commercial operations with online and mobile access.
• Business Savings Account Savings account for businesses to deposit funds and earn competitive interest rates.
• Business Online Banking Digital banking platform enabling businesses to manage accounts, transfer funds, pay bills, and conduct transactions online.
• Business Mobile Banking Mobile application allowing business customers to access banking services, view accounts, and conduct transactions from mobile devices.
• Treasury Management Solutions Cash-management and treasury services including wires, ACH transfers, and payment processing for business clients.
• Extended FDIC Coverage Multi-million-dollar FDIC coverage beyond standard limits, providing additional protection for eligible business deposits.
• Real Estate Financing Commercial real estate lending solutions for property acquisition, development, and refinancing.
• Commercial Loans Commercial lending products supporting business growth and operational financing needs.
• Business Credit Cards Credit card products for business spending with expense-management features.
• SBA Lending Small Business Administration loan programs providing government-backed financing options for eligible businesses.
• Small Business Loans Financing tailored to small-business needs, including working capital and equipment purchases.
• Business Visa Debit Cards Debit card products for business accounts that enable point-of-sale transactions and ATM access.
• Wires & ACHs Electronic fund transfer services including domestic and international wire transfers and ACH payments.
• Order Checks Check-ordering service for business accounts.
• Personal Checking Account Personal checking account with access to online and mobile banking services.
• Personal Savings Account Savings account for personal deposits with competitive interest rates.
• Connection Plus Savings Premium personal savings account offering higher interest rates and enhanced features.
• Time Deposits Certificate of Deposit and other time-deposit accounts with various terms for personal and business customers seeking fixed-rate savings growth.
• Mortgage and Home Equity Loans Residential mortgage financing and home-equity lending solutions for homeowners.
• Consumer Loans Personal loan products for borrowing needs including debt consolidation and major purchases.
• Personal Credit Cards Credit card options for personal spending with rewards and benefit programs.
• Personal Online Banking Digital banking platform for personal accounts that includes account management, bill pay, and fund transfers.
• Personal Mobile Banking Mobile banking application providing 24/7 access to personal accounts, deposits, and transactions.
• Overdraft Protection Account service linking savings to checking to help prevent overdrafts and insufficient-funds fees.
• Personal Visa Debit Cards Personal Visa debit cards for purchases, ATM withdrawals, and online transactions.

Named customers3 records

Segments7 records

Ideal customer profiles8 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• nCinocoreTechnology or Integration · 14 July 2026ConnectOne Bank is building the future of commercial lending on nCino's Agentic Operating System. This cloud-based platform enables digital transformation of the bank's commercial lending operations, providing an integrated banking solution for enhanced customer experience and operational efficiency.
• VisacoreTechnology or IntegrationConnectOne Bank offers Visa debit cards (business and personal) and credit cards through the Visa network, enabling card payments and transactions for customers
• ZellecoreTechnology or IntegrationConnectOne Bank integrates Zelle for fast, secure person-to-person payment transfers, enabling customers to send and receive money directly from their bank accounts

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Bank of America: Bank of America is a broad-incumbent national bank with dense branch coverage in NJ/NY/FL and a mature digital platform; it competes with ConnectOne for SMB and mass-affluent deposit and lending relationships across all three of ConnectOne's core markets.
• Citizens Financial Group: Citizens is a large regional commercial bank with strong presence across the Northeast and a notable mid-Atlantic and Florida footprint, competing with ConnectOne in middle-market and commercial real estate lending.
• TD Bank: TD Bank is a broad-incumbent retail and commercial bank with deep branch presence across NJ, NY, and FL, offering deposit, lending, and digital products at scale directly overlapping ConnectOne's geography and customer segments.
• Capital One: Capital One is a broad-incumbent consumer and commercial bank with a national digital banking platform and branch presence in select markets, competing for SMB deposits and consumer credit card share with ConnectOne.

Direct peers

• Provident Financial Services: Provident Bank is a New Jersey-headquartered community bank offering personal and business banking, lending, and treasury services across NJ and NY, with comparable SMB, real estate, and consumer deposit-customer overlap to ConnectOne.
• Flushing Financial Corporation: Flushing Bank is a NY/NJ-based community bank serving consumers, professionals, and small businesses with multi-cultural banking and lending solutions, comparable in community-bank positioning and tri-state-area focus.
• Dime Community Bancshares: Dime is a New York-based community bank serving SMBs and consumers in the greater NY metro market with deposit products, commercial lending, and digital banking—overlapping with ConnectOne in business banking customers and digital transformation priorities.
• Valley National Bancorp: Valley National is a comparable mid-sized regional commercial bank with a closely overlapping New Jersey, New York, and Florida footprint, serving similar SMB, commercial real estate, and consumer banking customers with a similar mix of branch and digital channels.
• Lakeland Bancorp: Lakeland Bank is a New Jersey-headquartered community bank offering business and consumer deposit, lending, and treasury services, directly competing with ConnectOne in core SMB and commercial real estate segments across northern New Jersey.
• Northfield Bancorp: Northfield Bancorp operates as a community-focused savings bank serving consumers and businesses across New Jersey and the New York metro area, mirroring ConnectOne's community-bank deposit-and-lending model and regional concentration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ConnectOneBank
• Facebookfacebook.com/ConnectOneBank
• LinkedInlinkedin.com/company/connectonebank
• Instagraminstagram.com/connectonebank

Compliance1 record

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 cnob.com