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“Highest in Customer Satisfaction with Retail Banking in the Midwest”

It’s what you can expect from the great big, small bank.

See What Makes Us Different

Fearlessly Free Checking

Award winning checking accounts that go wherever you go.

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Make a plan for the future

Our team of experienced financial advisors can help you create a financial plan that meets you where you are and gets you where you want to go. Connect with a financial advisor today.

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With you for your refinancing needs.

A few reasons to consider refinancing your home:
• Lower rate
• Shorter term
• Cash out for home improvement

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The great big small bank

Free Checking

Our checking is free.  And then some.
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Home Mortgage

Is the timing right to refi?
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Credit Card

Choose a credit card that's right for you.
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Wealth

Your unique situation needs a tailored
approach.
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Commercial Banking

With you for day-to-day basics or long term
objectives.
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Small Business

Consider us committed to your business.
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What our customers are saying

  • "No matter where I'm at, FNBO will always be my bank."

    - Joseph Z., Kearney, NE

  • "Class-act bank with knowledgeable, caring and positive employees."

    - Yankton, SD

  • "What a great bank! First bank that I've used that doesn't take advantage of customers. 10 stars!"

    - Robin P., Wellington, CO

  •  "FNBO always has my back! Answers questions and helps me out. Thanks!"

    - Bibiana L., Grand Island, NE

  •  "Exceptional client care during a difficult period in my life with the passing of my father."

    - Jeanne W., Allen, TX

  •  "They made applying for a credit card a lot less scary than I thought it would be."

    - Omaha, NE

* For J.D. Power 2020 award information, visit JDPower.com/Awards.