FNBO (First National Bank of Omaha) is the largest privately-owned bank in the United States, founded in 1857 by Herman and Augustus Kountze. Family-owned across six generations, it operates across eight U.S. states with a workforce of nearly 5,000 employees. Its longevity and scale are uncommon in an industry dominated by publicly traded institutions.
The bank offers a broad range of financial services, including personal banking, business and commercial banking, and wealth management. It positions itself as combining the resources of a large institution with the personalized service associated with community banking - a model it describes as being "the great big, small bank."
FNBO invests in digital banking platforms to support its retail and business customers, reflecting the operational demands of serving clients across multiple states while maintaining relationship-driven service. The bank's stated core values - Integrity, Respect, and Passion - underpin its approach to customer relationships, community involvement, and employee development.
