First National of Nebraska

First National of Nebraska, known as FNBO, is the largest privately-owned bank in the United States. Founded in 1857 by brothers Herman and Augustus Kountze, the bank has been held by the same family for six generations and operates across eight U.S. states with nearly 5,000 employees. Its business spans personal, business and commercial banking, together with wealth management and the digital banking platforms that support them.

The bank works within the regulatory framework governing banking, financial services and wealth management in the United States, across a footprint of eight states. Its technical domains include digital banking platforms and financial services technology. FNBO describes its operating model as combining the resources and expertise of a large institution with the personalised service of a community bank - a combination it summarises as "the great big, small bank".

Long-term private ownership, rather than public markets, shapes the bank's governance and planning horizon. Its stated core values are Integrity, Respect and Passion, and it describes its culture as built on the belief that relationships matter, with commitments to doing what is right for customers, to giving employees room to grow, and to contributing to the communities it serves.