Proud to Serve Sioux Falls

FNBO, the great big small bank, is proud to have a loan production office in Sioux Falls. FNBO is ranked one of Forbes Best Banks in America1 and the Most Small Business-Friendly Credit Card Company by WalletHub. When you choose FNBO, you can expect to work with the leading experts and experience our customer-first commitment. Whether you are looking for commercial banking services or buying a home, we're here to show you why we're considered one of the best banks in South Dakota.

Mortgage in Sioux Falls

We offer a number of mortgage options to meet your home buying needs, including FHA, VA, Conventional loans and more! Meet with one of our mortgage loan officers to discuss your borrowing options.

Commercial Banking in Sioux Falls

Our commercial banker is ready to help take your business to the next level. Whether you want to open a business checking account, find the perfect credit card for your business or apply for a small business loan, we’re here to help you manage your business while giving you peace of mind.

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Home loans made easy. We’re glad you’re here.

Whether you’re a homebuyer, building a home or refinancing, we’ve got you covered! One of our local and dedicated loan officers will guide you through the mortgage process and answer all of your questions. Our goal is simple: happy homeowners.

Exceptional, personalized service
Fast, easy pre-qualification
Loan options as low as 0%-5% down²
Competitive mortgage rates
Expedient and on-time closing

Curious how much house you can afford? Use our mortgage calculator and see!

First-time homebuyers, this quick-guide will help you get started.

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Mortgage Insights

Commercial Bank Services in Sioux Falls

Business Checking Accounts in Sioux Falls

Open a Business Free Checking account or enjoy the added benefits of our Premium Business Checking. Our Commercial Banking Team is here to help you find the business banking services you need to manage your business finances.

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Business Credit Cards in Sioux Falls

Whether your goal is to earn cashback on your business purchases or you’re looking for a card with competitive interest rates our business credit card options can help you take care of business expenses while giving you peace of mind.

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Business Loans in Sioux Falls

Let us help you take your business to the next level with a small business loan, line of credit or an SBA loan. As an SBA Preferred Lender we can help businesses who are just starting out as well as companies that are rapidly growing. Meet with one of our Commercial Lenders to discuss your options.

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