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165 Years With You.

Independent and family-owned. 105 locations. 5,000 of us.

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CHECKING NOW WITH NO OVERDRAFT FEES.

Fee-less, fearless & free.

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With you for your refinancing needs.

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Through it All, Business BIG and Small.

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Home Loans

How to Prequalify
for a Home Loan
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Car Buying

How to Buy a Car
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Tax Refund

Tax Refund
8 Smart Ways to Use Your IRS Refund
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Medicare Enrollment

Medicare Enrollment:
Do you Know What to Do?
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Payment Automation

Is Accounts Payment Automation
Right for Your Business?
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Virtual Credit Card

What is a Virtual Credit Card?
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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

The great big small bank