# First National Bank of Omaha (FNBO) competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/fnbo/competitors
Last updated: Oct 20, 2026

*Part of the [First National Bank of Omaha (FNBO) AI strategy profile](https://www.bankingnewsai.com/banks/fnbo). Peer group: Bread Financial Holdings, Barclays US Consumer Bank, Synchrony Financial, Commerce Bancshares, UMB Financial, Central Bancompany, Associated Banc-Corp, BOK Financial Corporation.*

## Who are First National Bank of Omaha (FNBO)'s competitors, and what are the alternatives?

FNBO is privately held and files no 10-K; its chairman's 2025 letter to stockholders describes two priorities, 'a great Midwestern bank' and 'a great Partnership business', the division that made it a leader in co-branded credit cards and home improvement lending. In cards it competes for retail and affinity partners with the issuers Synchrony's 10-K names as its own rivals for partners: American Express, Bread Financial, Capital One and Discover, JPMorgan Chase, Citibank, TD Bank and Wells Fargo, plus fintechs and point-of-sale lenders. The letter says higher consumer rewards and partner rebates cut its net interchange fees 4% in 2025, to $145 million, despite stable card spending. In home improvement lending, which grew 24% in 2025, Synchrony's Home & Auto platform serves home-improvement retailers. In its banking markets FNBO's parent holds 35.1% of Omaha deposits and 18.5% of Nebraska's (FDIC, June 30, 2025), ahead of Pinnacle Bank, Wells Fargo and U.S. Bancorp; in Kansas City, where it bought Country Club Bank and Blue Ridge Bank, the leaders are UMB and Commerce. In point-of-sale financing, where FNBO launched a buy now, pay later product for partners in 2021, Affirm lent against $50.2 billion of GMV in its 2026 fiscal year. Non-bank lenders are already taking its refinanced construction loans. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city), [FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City), [FNBO (Business Wire)](https://businesswire.com/news/home/20210921005101/en), [Affirm Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm))

## What does FNBO say about its competition?

FNBO files no 10-K; the nearest statement is its chairman's letter in the 2025 Financial Summary (March 2026): "we expect a more challenging margin environment due to increasing competition and the Federal Reserve's lowering interest rates, which compressed our net interest margin in the fourth quarter." ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

On cards, the same letter: "one of our largest fee income sources, net interchange fees from spending on credit cards, declined 4%, to $145 million from $152 million in 2024. This decline occurred despite our stable levels of credit card spending, owing to the cost pressures of higher consumer rewards and credit card partner rebates. These dynamics may not improve in the years ahead." ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

On commercial real estate: "some of our seasoned construction loans were paid off by long term, non-bank lenders, which is how we intend for those loans to be repaid. Replacing those 2025 refinanced loans and growing commercial real estate will be a challenge in 2026." And on strategy: "we are organized around two clear priorities: to be a great Midwestern bank, and to be a great Partnership business." ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

## Who competes with FNBO in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Co-branded and partner credit cards | [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Bank | Synchrony's 10-K says it competes for partner relationships with major financial institutions and fintechs on terms, technology, underwriting and loyalty programs, the same co-brand and private-label partners FNBO's Partnership division serves with more than 90 card partners. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight)) |
| Co-branded and partner credit cards | [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | Bank | Named by Synchrony as a primary competitor for card partners; Bread's own 10-K says it competes with major financial institutions and fintechs in co-brand and private-label credit. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm)) |
| Co-branded and partner credit cards | [Capital One (with Discover)](https://www.bankingnewsai.com/banks/capital-one) | Bank | The largest US credit card issuer by outstanding card loans at December 31, 2025, and named by Synchrony, with Discover, among the primary competitors for card partners. ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm)) |
| Co-branded and partner credit cards | [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | Bank | A co-brand card issuer with about 20 million US card customers, about $32 billion of receivables and 20 partner brands, competing for the co-brand partners FNBO's Partnership division also serves. ([Banking Dive](https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm)) |
| Co-branded and partner credit cards | [American Express](https://www.bankingnewsai.com/banks/american-express) | Card network | Named first by Synchrony among the primary competitors for card partner relationships; FNBO's letter says higher consumer rewards and partner rebates cut its interchange income in 2025. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf)) |
| Co-branded and partner credit cards | [JPMorgan Chase (co-brand cards)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Named by Synchrony's 10-K among the primary competitors for card partner relationships; Chase counted 74.6 million active digital customers in 2025, scale FNBO's 90-plus partner programs compete against for co-brand deals. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight)) |
| Co-branded and partner credit cards | [Citigroup (co-brand cards)](https://www.bankingnewsai.com/banks/citigroup) | Bank | Named by Synchrony's 10-K, as Citibank, among the primary competitors for card partners; Citi says its card AI models lift approval rates by 100 basis points (May 2026). ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [Citigroup](https://citigroup.com/rcs/citigpa/storage/public/investor-day/citi-ID26-full-event-transcript.pdf)) |
| Home improvement and point-of-sale lending | [Synchrony (Home & Auto)](https://www.bankingnewsai.com/banks/synchrony) | Bank | Synchrony's Home & Auto platform partners include home improvement, furniture, flooring and appliance retailers; FNBO's home improvement loans grew nearly $300 million, or 24%, in 2025. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf)) |
| Home improvement and point-of-sale lending | [Affirm](https://www.bankingnewsai.com/fintech/affirm) | Fintech | A point-of-sale lender of the kind Synchrony names among competitors for partners; FNBO launched a buy now, pay later solution for its partners in September 2021, and Affirm reported $50.2 billion of GMV and 27.8 million active consumers in its year to June 30, 2026. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [FNBO (Business Wire)](https://businesswire.com/news/home/20210921005101/en), [Affirm Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm)) |
| Home improvement and point-of-sale lending | Non-bank commercial real estate lenders | Non-bank lender | FNBO's 2025 letter says long-term non-bank lenders paid off some of its seasoned construction loans and that replacing them will be a challenge in 2026. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf)) |
| Home region: Omaha, Nebraska, Kansas City and Denver | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | Holds 7.9% of Omaha metro deposits and 5.9% of Nebraska's with 34 branches, and leads the Denver metro with 21.0% of deposits, where FNBO's parent held 0.2% before its InBank deal (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:19740%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/)) |
| Home region: Omaha, Nebraska, Kansas City and Denver | [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | Holds 7.2% of Omaha metro deposits with 21 branches and 4.1% of Nebraska's (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Home region: Omaha, Nebraska, Kansas City and Denver | [UMB Financial](https://www.bankingnewsai.com/banks/umb) | Bank | The largest bank in the Kansas City metro with 35.7% of booked deposits (FDIC, June 30, 2025), the market FNBO entered on the Missouri side with Country Club Bank (October 2025) and Blue Ridge Bank (October 2026). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city), [FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City)) |
| Home region: Omaha, Nebraska, Kansas City and Denver | [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | Bank | Second in Kansas City with 10.0% of metro deposits and 39 branches (FDIC, June 30, 2025); Country Club Bank, which FNBO bought, held 1.9% with 23 branches. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city)) |
| Home region: Omaha, Nebraska, Kansas City and Denver | [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Bank | Holds 2.3% of Omaha metro deposits with 15 branches and 2.1% of Nebraska's with 44 (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Retail deposits and everyday banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A branchless account that claims a significant cost advantage over traditional banks, with 10.4 million active members at June 30, 2026; FNBO's 2025 letter cites tepid industry deposit growth and increasing competition. ([Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf)) |

## How do the AI and digital offerings of FNBO's competitors compare?

FNBO first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [First National Bank of Omaha (FNBO) (this page)](https://www.bankingnewsai.com/banks/fnbo) | Nasdaq Verafin AI agents for financial-crime investigation ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [FNBO](https://www.fnbo.com/insights/fraud-and-security-tips/2025/ai-powered-scams-target-consumers), [FNBO](https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships)) | [Index 53.2 (#53); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/fnbo) | Blue Ridge acquisition closes (Oct 1, 2026) ([FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City)) |
| [Synchrony](https://www.bankingnewsai.com/banks/synchrony) | Nearly 100% of its professional workforce using AI tools; enterprise OpenAI collaboration (August 2026) ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce)) | [Index 68.8 (#35); 15 use cases, 10 in production](https://www.bankingnewsai.com/banks/synchrony) | Oxford Economics study and an AI-platform partnership for CareCredit (Sep 30, 2026) ([Synchrony (PR Newswire)](https://www.prnewswire.com/news-releases/synchrony-and-oxford-economics-find-trust-will-define-the-future-of-ai-shopping-302894036.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/590/carecredit-partners-with-vetspire-to-modernize-veterinary-payments-with-ai-enabled-practice-solutions)) |
| [Bread Financial](https://www.bankingnewsai.com/banks/bread-financial) | AI review of 100% of customer calls; over 200 machine-learning models ([Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-bread-financial-q4-2025-beats-eps-expectations-93CH-4481011)) | [Index 50.5 (#57); 12 use cases, 10 in production](https://www.bankingnewsai.com/banks/bread-financial) | Bread Financial joins the Agentic AI Foundation as a Silver member (Aug 12, 2026) ([PR Newswire via Morningstar](https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders)) |
| [Capital One (with Discover)](https://www.bankingnewsai.com/banks/capital-one) | Eno assistant since 2017; MACAW fraud-call summaries ([Capital One](https://www.capitalone.com/digital/tools/eno/), [VentureBeat (sponsored by Capital One)](https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models)) | [Index 86.9 (#9); 13 use cases, 13 in production](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| [Barclays US](https://www.bankingnewsai.com/banks/barclays-us) | More than 8 million calls summarized by generative AI since October 2025 ([Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/)) | [Index 55.5 (#51); 12 use cases, 8 in production](https://www.bankingnewsai.com/banks/barclays-us) | Group expands Anthropic collaboration (Oct 1, 2026) ([Anthropic](https://www.anthropic.com/news/barclays-scales-claude)) |
| [American Express](https://www.bankingnewsai.com/banks/american-express) | Developer kit and purchase protection for AI shopping agents ([American Express](https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html)) | [Index 93.1 (#3); 24 use cases, 13 in production](https://www.bankingnewsai.com/banks/american-express) | Intent Intelligence framework published (Oct 13, 2026) ([American Express via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1), [TechCrunch](https://techcrunch.com/2026/10/13/amex-introduces-a-framework-to-prevent-ai-agents-from-making-unauthorized-purchases)) |
| [JPMorgan Chase (co-brand cards)](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for 150,000 weekly users ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Citigroup (co-brand cards)](https://www.bankingnewsai.com/banks/citigroup) | Stylus Workspaces for more than 180,000 people with 87%-plus adoption ([Citigroup](https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution)) | [Index 94.9 (#2); 20 use cases, 15 in production](https://www.bankingnewsai.com/banks/citigroup) | Payments chief: no AI model to authorise payments (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-7-debopama-sen-citi)) |
| [Synchrony (Home & Auto)](https://www.bankingnewsai.com/banks/synchrony) | Synchrony GPT and the ChatGPT Enterprise rollout ([Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [American Banker](https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking)) | [Index 68.8 (#35); 15 use cases, 10 in production](https://www.bankingnewsai.com/banks/synchrony) | Oxford Economics study and an AI-platform partnership for CareCredit (Sep 30, 2026) ([Synchrony (PR Newswire)](https://www.prnewswire.com/news-releases/synchrony-and-oxford-economics-find-trust-will-define-the-future-of-ai-shopping-302894036.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/590/carecredit-partners-with-vetspire-to-modernize-veterinary-payments-with-ai-enabled-practice-solutions)) |
| [Affirm](https://www.bankingnewsai.com/fintech/affirm) | Transformer-based machine-learning model for real-time underwriting (September 2026) ([Affirm (Business Wire)](https://www.businesswire.com/news/home/20260917918887/en/)) | [8 use cases, 7 in production](https://www.bankingnewsai.com/fintech/affirm) | Levchin: no staff cuts to fund AI (Sep 18, 2026) ([CNBC](https://www.cnbc.com/video/2026/09/18/never-had-to-cut-staff-to-buy-more-ai-tokens-says-affirm-ceo-as-it-rolls-out-ai-underwriting.html)) |
| Non-bank commercial real estate lenders | Not disclosed | No profile | Not disclosed |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [U.S. Bancorp](https://www.bankingnewsai.com/banks/us-bancorp) | Smart Assistant: 2.5 million uses a month ([U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf)) | [Index 81.3 (#18); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it (Oct 7, 2026) ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| [UMB Financial](https://www.bankingnewsai.com/banks/umb) | AI in the board risk committee's remit ([UMB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/101382/000119312526103203/d82141ddef14a.htm)) | [Index 47.9 (#61); 10 use cases, 9 in production](https://www.bankingnewsai.com/banks/umb) | 'Playing with the big boys' (Aug 20, 2026) ([CNBC](https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html)) |
| [Commerce Bancshares](https://www.bankingnewsai.com/banks/commerce) | AI receivables automation for commercial clients ([Commerce Bank](https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission)) | [Index 34 (#84); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/commerce) | Nolan & Associates acquisition completed (Oct 1, 2026) ([Yahoo Finance (Commerce Bank via Business Wire)](https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html)) |
| [First Interstate BancSystem](https://www.bankingnewsai.com/banks/first-interstate) | Commercial loan onboarding agent co-created with Fiserv on agentOS ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html)) | [Index 51.3 (#56); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/first-interstate) | Jeff Lee named chief operations officer (Aug 21, 2026) ([First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000088/fibk-20260821.htm), [First Interstate BancSystem (SEC filings)](https://www.sec.gov/Archives/edgar/data/860413/000086041326000092/fibk-20260914.htm)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |

## Who should look beyond FNBO, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Retailers and brands choosing a co-brand card partner with a disclosed AI program | [Synchrony or Barclays US](https://www.bankingnewsai.com/banks/synchrony) | FNBO's disclosed AI sits in fraud and financial-crime operations. Synchrony says nearly its whole professional workforce uses AI tools and signed an enterprise collaboration with OpenAI in August 2026; Barclays US has summarized more than 8 million card-service calls with generative AI. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Synchrony](https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html), [Synchrony (PR Newswire)](https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce), [Barclays](https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/)) |
| Cardholders who want an AI assistant in their card app | [Capital One (Eno) or Bank of America (Erica)](https://www.bankingnewsai.com/banks/capital-one) | FNBO discloses no customer AI assistant. Capital One, the largest US card issuer, has run Eno since 2017, and Bank of America says Erica helps more than 24.6 million clients. ([American Banker](https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime), [Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Shoppers and merchants who want point-of-sale installment loans at scale | [Affirm](https://www.bankingnewsai.com/fintech/affirm) | FNBO offers a buy now, pay later solution to its card partners (2021). Affirm reported $50.2 billion of GMV and 27.8 million active consumers in its year to June 30, 2026, and underwrites with a transformer-based model launched in September 2026. ([FNBO (Business Wire)](https://businesswire.com/news/home/20210921005101/en), [Affirm Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm), [Affirm (Business Wire)](https://www.businesswire.com/news/home/20260917918887/en/)) |
| Kansas City customers who want the largest local branch networks | [UMB or Commerce](https://www.bankingnewsai.com/banks/umb) | FNBO is building in Kansas City through Country Club Bank (22 branches in Kansas and Missouri) and Blue Ridge Bank. UMB and Commerce hold 35.7% and 10.0% of metro deposits (FDIC, June 30, 2025), with Commerce running 39 branches. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | FNBO is a branch-based bank in its home states. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |

## Where does FNBO rank in Omaha, Nebraska and Kansas City, and who else is there?

Computed by this site from the FDIC Summary of Deposits as of June 30, 2025, grouped by holding company; FNBO's parent appears as Lauritzen Corporation. The Kansas City figures predate the Country Club Bank (October 2025) and Blue Ridge Bank (October 2026) closings.

| Market | FNBO (Lauritzen Corporation) | Other leaders | Next rivals |
| --- | --- | --- | --- |
| Omaha MSA ($42.3 billion) | 1st: 35.1%, 29 branches | American National 8.1%; Wells Fargo 7.9%; U.S. Bancorp 7.2%; Pinnacle Bank 5.6% | Security National 3.2%; BMO 2.5%; First Interstate 2.3% ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Nebraska ($92.5 billion) | 1st: 18.5%, 51 branches | Pinnacle Bank 7.7%; Farmers & Merchants 7.6%; Wells Fargo 5.9%; U.S. Bancorp 4.1% | American National 3.3%; First Interstate 2.1% ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Kansas City MSA ($99.6 billion) | Country Club Bank (acquired) 1.9%, 23 branches | UMB 35.7%; Commerce 10.0%; U.S. Bancorp 5.5%; Bank of America 5.4% | Central Bancompany 2.8%; Capitol Federal 2.9% ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [American Banker](https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city)) |

## Which banks has FNBO bought, and where do they take it?

Three acquisitions in about a year, each adding to a market where larger rivals already operate.

| Deal | Market | Status | Rivals there |
| --- | --- | --- | --- |
| Country Club Bank ($2.2 billion of assets, 22 branches) | Kansas City, Kansas and Missouri | Closed October 1, 2025 | UMB, Commerce, U.S. Bancorp, Bank of America ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Blue Ridge Bank and Trust | Independence, Missouri (Kansas City) | Closed October 1, 2026 | UMB, Commerce, Central Bancompany ([FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| InBankshares (InBank), up to about $204 million | Denver, Colorado | Announced September 2, 2026 | Wells Fargo 21.0%, JPMorgan Chase 14.6%, FirstBank (now PNC) 14.5%, U.S. Bancorp 12.7% of Denver deposits ([Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:19740%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1)) |

## What does FNBO say about competition in its card and partner business?

FNBO's 2025 letter shows where competition bites. Net interchange fees from credit card spending fell 4% to $145 million despite stable spending, because of higher consumer rewards and partner rebates, dynamics the letter says may not improve. Card balances were flat, partly because FNBO sold two co-branded portfolios, and unsecured consumer installment loans fell $200 million, or 32%, as it focused installment lending on home improvement customers. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

Home improvement lending is the growth line: those loans grew nearly $300 million, or 24%, in 2025, the fourth year of purposeful growth, and the letter credits the Partnership division with making FNBO a leader in co-branded cards and home improvement lending. Loan losses in the Partner division fell from $608 million in 2024 to $521 million in 2025. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

## Common questions

### Is Bread Financial a competitor of FNBO?

Yes, for co-branded and private-label card partners. Synchrony's 10-K names Bread Financial among its primary competitors for partners, the same market FNBO's Partnership division serves with more than 90 card partners, and Bread's own 10-K says it competes with major financial institutions and fintechs. Bread reviews 100% of customer calls with AI. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight), [Bread Financial Holdings (SEC filing)](https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm), [Investing.com](https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903))

### Is Wells Fargo a competitor of FNBO?

In two ways. Synchrony's 10-K names Wells Fargo among the primary competitors for card partners, and in FNBO's banking markets Wells Fargo holds 7.9% of Omaha metro deposits, 5.9% of Nebraska's and 21.0% of Denver's, where FNBO is buying InBank (FDIC, June 30, 2025). Its Fargo assistant passed 1 billion interactions in March 2026. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:19740%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones))

### Who are FNBO's biggest competitors?

In co-branded cards, the issuers that compete for retail and affinity partners: Synchrony, Bread Financial, Capital One and Discover, Barclays US and American Express. In its banking markets, Wells Fargo, U.S. Bancorp, Pinnacle Bank and American National in Omaha and Nebraska, and UMB and Commerce in Kansas City (FDIC, June 30, 2025). ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [SEC (Barclays PLC 20-F)](https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### Does FNBO publish a competition statement?

Not in a 10-K: FNBO is privately held. Its chairman's 2025 letter to stockholders says it expects a more challenging margin environment from increasing competition, that higher rewards and partner rebates cut card interchange income, and that non-bank lenders refinanced some construction loans. ([First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

### Is Synchrony a competitor of FNBO?

Yes, for card partners and in home improvement lending. Synchrony's 10-K says it competes for partner relationships on terms, technology, underwriting and loyalty programs, and its Home & Auto platform serves home-improvement retailers; FNBO's Partnership division is a co-brand card leader and grew home improvement loans 24% in 2025. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

### Is Affirm a competitor of FNBO?

At the point of sale, by product. FNBO launched a buy now, pay later solution for its partners in September 2021, and Synchrony's 10-K lists point-of-sale lending companies among competitors for card partners. Affirm reported $50.2 billion of GMV in its year to June 30, 2026. Neither company names the other. ([FNBO (Business Wire)](https://businesswire.com/news/home/20210921005101/en), [Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [Affirm Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm))

### Who competes with FNBO in Kansas City?

UMB leads the Kansas City metro with 35.7% of booked deposits and Commerce follows with 10.0%, ahead of U.S. Bancorp and Bank of America (FDIC, June 30, 2025). FNBO added Country Club Bank's 22 branches in October 2025 and Blue Ridge Bank in October 2026. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [FNBO (Business Wire)](https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City))

### FNBO vs Capital One for credit cards: how do they compare?

Capital One is the largest US card issuer by outstanding card loans (December 31, 2025) and now owns Discover; FNBO calls itself a leader in co-branded cards and works with more than 90 card partners. On AI, Capital One has run its Eno assistant since 2017, while FNBO's disclosed card AI is in fraud work, including Pindrop's Fraud Assist agent. ([Capital One via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm), [Capital One](https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-discover/), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf), [AWS Business Intelligence Blog (guest post by FNBO)](https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Pindrop (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html))

### Is American Express a competitor of FNBO?

In co-branded cards, yes: Synchrony's 10-K names American Express first among primary competitors for card partner relationships, the market FNBO's Partnership division serves. FNBO's 2025 letter says higher consumer rewards and partner rebates cut its net interchange fees 4%, to $145 million. ([Synchrony Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm), [First National of Nebraska / FNBO](https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf))

### Who competes with FNBO in Denver?

Wells Fargo leads the Denver metro with 21.0% of deposits, followed by JPMorgan Chase (14.6%), FirstBank (14.5%, now part of PNC) and U.S. Bancorp (12.7%); FNBO's parent held 0.2% at June 30, 2025 (FDIC). FNBO agreed in September 2026 to buy Denver's InBank in a deal valued at up to about $204 million. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:19740%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [Banking Dive](https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/))

### How big is FNBO in Omaha and Nebraska?

Its parent holds 35.1% of Omaha metro deposits with 29 branches and 18.5% of Nebraska's with 51 (FDIC, June 30, 2025), more than twice the next bank in each: American National (8.1%) in Omaha and Pinnacle Bank (7.7%) statewide. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

## Peers on this site

- [Bread Financial Holdings AI strategy](https://www.bankingnewsai.com/banks/bread-financial) · [vs peers](https://www.bankingnewsai.com/banks/bread-financial/vs-peers)
- [Barclays US Consumer Bank AI strategy](https://www.bankingnewsai.com/banks/barclays-us) · [vs peers](https://www.bankingnewsai.com/banks/barclays-us/vs-peers)
- [Synchrony Financial AI strategy](https://www.bankingnewsai.com/banks/synchrony) · [vs peers](https://www.bankingnewsai.com/banks/synchrony/vs-peers)
- [Commerce Bancshares AI strategy](https://www.bankingnewsai.com/banks/commerce) · [vs peers](https://www.bankingnewsai.com/banks/commerce/vs-peers)
- [UMB Financial AI strategy](https://www.bankingnewsai.com/banks/umb) · [vs peers](https://www.bankingnewsai.com/banks/umb/vs-peers)
- [Central Bancompany AI strategy](https://www.bankingnewsai.com/banks/central-bancompany) · [vs peers](https://www.bankingnewsai.com/banks/central-bancompany/vs-peers)
- [Associated Banc-Corp AI strategy](https://www.bankingnewsai.com/banks/associated) · [vs peers](https://www.bankingnewsai.com/banks/associated/vs-peers)
- [BOK Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/bok-financial) · [vs peers](https://www.bankingnewsai.com/banks/bok-financial/vs-peers)

## Sources

1. 2025 Financial Summary — First National of Nebraska / FNBO, Mar 18, 2026. https://www.fnbo.com/content/dam/fnni/documents/2025-financial-summary.pdf
2. Form 10-K for the fiscal year ended December 31, 2025 — Synchrony Financial (SEC filing), Feb 6, 2026. https://www.sec.gov/Archives/edgar/data/1601712/000160171226000006/syf-20251231.htm
3. FDIC Summary of Deposits: Omaha MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:36540%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
4. FDIC Summary of Deposits: Nebraska, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR:NE%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
5. FDIC Summary of Deposits: Kansas City, MO-KS MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:28140%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
6. Deal would give Nebraska's FNBO a leg up in Kansas City — American Banker, May 2, 2025. https://www.americanbanker.com/news/deal-would-give-nebraskas-fnbo-a-leg-up-in-kansas-city
7. FNBO Closes Acquisition of Blue Ridge Bank and Trust Co. in Kansas City — FNBO (Business Wire), Oct 1, 2026. https://businesswire.com/news/home/20261001777849/en/FNBO-Closes-Acquisition-of-Blue-Ridge-Bank-and-Trust-Co.-in-Kansas-City
8. First National Bank of Omaha Launches 'Buy Now Pay Later' Solution Enabling Partners to Offer Flexible Financing Options at the Point of Sale — FNBO (Business Wire), Sep 21, 2021. https://businesswire.com/news/home/20210921005101/en
9. Affirm Holdings Annual Report (Form 10-K) for the fiscal year ended June 30, 2026 — Affirm Holdings via SEC EDGAR, Aug 27, 2026. https://www.sec.gov/Archives/edgar/data/1820953/000162828026059279/afrm-20260630.htm
10. How FNBO revolutionized partner reporting with Amazon QuickSight — AWS Business Intelligence Blog (guest post by FNBO), Dec 9, 2024. https://aws.amazon.com/blogs/business-intelligence/how-fnbo-revolutionized-partner-reporting-with-amazon-quicksight
11. Bread Financial Holdings, Inc. Form 10-K for the fiscal year ended December 31, 2025 — Bread Financial Holdings (SEC filing), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/1101215/000110121526000016/bfh-20251231.htm
12. Capital One Financial Corporation Annual Report on Form 10-K for 2025 — Capital One via SEC EDGAR, Feb 19, 2026. https://www.sec.gov/Archives/edgar/data/927628/000092762826000024/cof-20251231.htm
13. 6 questions with Barclays' US CMO — Banking Dive, Nov 3, 2025. https://www.bankingdive.com/news/6-questions-with-barclays-us-cmo/804511/
14. Barclays PLC Annual Report 2025 on Form 20-F — SEC (Barclays PLC 20-F), Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/312069/000031206926000004/bcs-20251231.htm
15. JPMorgan Chase & Co. Annual Report on Form 10-K for the year ended December 31, 2025 — JPMorgan Chase & Co. (SEC filings), Feb 13, 2026. https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm
16. Citi 2026 Investor Day Transcript - Consolidated — Citigroup, May 7, 2026. https://citigroup.com/rcs/citigpa/storage/public/investor-day/citi-ID26-full-event-transcript.pdf
17. FDIC Summary of Deposits: Denver-Aurora-Centennial MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:19740%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
18. FNBO to acquire Colorado bank in $204M deal — Banking Dive, Sep 2, 2026. https://www.bankingdive.com/news/fnbo-acquires-inbank-colorado-bank-deal-204m-merger/829424/
19. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
20. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
21. How FNBO uses agentic AI to investigate financial crime — American Banker, Jun 24, 2026. https://americanbanker.com/news/how-fnbo-uses-agentic-ai-to-investigate-financial-crime
22. AI-Powered Scams Target Consumers — FNBO, Jul 8, 2025. https://www.fnbo.com/insights/fraud-and-security-tips/2025/ai-powered-scams-target-consumers
23. How FNBO Is Driving Innovation Through Strategic Partnerships — FNBO, Apr 3, 2025. https://www.fnbo.com/insights/commercial-business/2025/how-fnbo-is-driving-innovation-through-strategic-partnerships
24. Synchrony Elevates AI Strategy Hiring Nimrod Barak as Chief AI Officer to Accelerate Innovation — Synchrony, Aug 13, 2026. https://synchrony.com/contenthub/newsroom/synchrony-elevates-ai-strategy.html
25. Synchrony Announces Enterprise Collaboration with OpenAI to Power the Next Era of Agentic Commerce — Synchrony (PR Newswire), Aug 17, 2026. https://investors.synchrony.com/news-events/financial-news/detail/586/synchrony-announces-enterprise-collaboration-with-openai-to-power-the-next-era-of-agentic-commerce
26. Synchrony and Oxford Economics Find Trust Will Define the Future of AI Shopping — Synchrony (PR Newswire), Sep 30, 2026. https://www.prnewswire.com/news-releases/synchrony-and-oxford-economics-find-trust-will-define-the-future-of-ai-shopping-302894036.html
27. CareCredit Partners with Vetspire to Modernize Veterinary Payments with AI-Enabled Practice Solutions — Synchrony (PR Newswire), Sep 30, 2026. https://investors.synchrony.com/news-events/financial-news/detail/590/carecredit-partners-with-vetspire-to-modernize-veterinary-payments-with-ai-enabled-practice-solutions
28. Strategic Moves and Market Insights By Investing.com (Bread Financial at the Barclays 23rd Annual Global Financial Services Conference) — Investing.com, Sep 9, 2025. https://investing.com/news/transcripts/bread-financial-at-barclays-conference-strategic-moves-and-market-insights-93CH-4231903
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30. Agentic AI Foundation Welcomes 57 New Members, Gaining Major Financial Services Players and APAC Leaders — PR Newswire via Morningstar, Aug 12, 2026. https://www.morningstar.com/news/pr-newswire/20260812dc25298/agentic-ai-foundation-welcomes-57-new-members-gaining-major-financial-services-players-and-apac-leaders
31. Eno, your Capital One assistant — Capital One, Sep 19, 2026. https://www.capitalone.com/digital/tools/eno/
32. Why Capital One built its multi-agent AI platform around open-weight models (presented by Capital One) — VentureBeat (sponsored by Capital One), Aug 13, 2026. https://venturebeat.com/orchestration/why-capital-one-built-its-multi-agent-ai-platform-around-open-weight-models
33. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
34. Banks prioritize responsible AI, governance as use soars — Banking Dive, Oct 6, 2026. https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/
35. Barclays harnesses GenAI to deliver world-class customer service — Barclays, Feb 5, 2026. https://home.barclays/news/press-releases/20260/02/barclays-harnesses-genai-to-deliver-world-class-customer-service1/
36. Barclays scales Claude to upgrade operations and improve client experience — Anthropic, Oct 1, 2026. https://www.anthropic.com/news/barclays-scales-claude
37. American Express Debuts Agentic Commerce Experiences (ACE)™ Developer Kit and Announces Industry-First Protection for Registered Agent Purchases — American Express, Apr 14, 2026. https://www.americanexpress.com/en-us/newsroom/articles/innovation/american-express-debuts-agentic-commerce-experiences--ace--devel.html
38. American Express Publishes Intent Intelligence Framework for Trusted Agentic Commerce — American Express via FT Markets, Oct 13, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202610130930BIZWIRE_USPRX____20261013_BW636634-1
39. Amex introduces a framework to prevent AI agents from making unauthorized purchases — TechCrunch, Oct 13, 2026. https://techcrunch.com/2026/10/13/amex-introduces-a-framework-to-prevent-ai-agents-from-making-unauthorized-purchases
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41. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
42. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
43. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
44. A Competitive Differentiator: David Griffiths on Building the World's Most AI-empowered Financial Institution — Citigroup, Sep 22, 2026. https://www.citigroup.com/global/news/perspectives/2026/competitive-differentiator-david-griffiths-building-worlds-most-ai-empowered-financial-institution
45. The Most Powerful Women in Banking Women to Watch, #7, Debopama Sen, Citi — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-7-debopama-sen-citi
46. #29 Carol Juel's human-centered bet on the future of AI — American Banker, Jun 1, 2026. https://americanbanker.com/news/synchronys-carol-juel-is-29-on-the-most-innovative-people-in-finance-ranking
47. Affirm launches transformer-based machine learning model for real-time underwriting — Affirm (Business Wire), Sep 17, 2026. https://www.businesswire.com/news/home/20260917918887/en/
48. Never had to cut staff to buy more AI tokens, says Affirm CEO as it rolls out AI underwriting — CNBC, Sep 18, 2026. https://www.cnbc.com/video/2026/09/18/never-had-to-cut-staff-to-buy-more-ai-tokens-says-affirm-ceo-as-it-rolls-out-ai-underwriting.html
49. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
50. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
51. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
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55. This Kansas City regional bank is playing with the big boys. JPMorgan sees big gains ahead — CNBC, Aug 20, 2026. https://www.cnbc.com/2026/08/20/a-regional-bank-will-rally-by-playing-with-the-big-boys-jpmorgan-says.html
56. Banking on a mission (AlloSource client story) — Commerce Bank, Aug 19, 2025. https://commercebank.com/business/trends-and-insights/2025/banking-on-a-mission
57. Commerce Bank Completes Acquisition of Investment Banking Firm Nolan & Associates — Yahoo Finance (Commerce Bank via Business Wire), Oct 1, 2026. https://finance.yahoo.com/small-business/articles/commerce-bank-completes-acquisition-investment-110000160.html
58. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking — Fiserv (GlobeNewswire), May 14, 2026. https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html
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62. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
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64. PNC Completes FirstBank Customer Conversion — PNC via FT Markets, Jun 22, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1
65. Capital One Completes Acquisition of Discover — Capital One, May 18, 2025. https://www.capitalone.com/about/newsroom/capital-one-completes-acquisition-of-discover/
66. Pindrop Unveils First Agentic Fraud Investigation Solution to Combat Surging AI-Driven Fraud — Pindrop (GlobeNewswire), Mar 17, 2026. https://www.globenewswire.com/news-release/2026/03/17/3257231/0/en/pindrop-unveils-first-agentic-fraud-investigation-solution-to-combat-surging-ai-driven-fraud.html

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