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The Great Big, Small Bank

With over 160 years of experience meeting our customers’ financial needs, FNBO is proud to have built a reputation for our integrity, dedication, and service to the communities we call home. We’re the bank that’s big enough to provide financial strength, yet small enough to know the people we’re protecting. After all, 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.

With you for your refinancing needs.

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

Bring Payments Home with PayMaker

Connect your business to a new world of payment efficiency whenever you are.

Start Your Free Trial

Coronavirus – Resources, Branch Updates & Stimulus Check Information.

Coronavirus Resources

Get the latest on the Paycheck Protection Program (PPP).

PPP Information

Free Checking

Our checking is free. And then some.

Home Mortgage

Is the timing right to refi?

Credit Card

Choose a credit card that's right for you.

Wealth

Your unique situation needs a tailored
approach.

Commercial Banking

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

Small Business

Consider us committed to your business.

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.