Finding financial stability in Omaha during uncertain times

The first quarter of 2025 has felt unpredictable, with stock market declines and concerns over tariffs dominating headlines. Add the constant stream of news and social media commentary, and it’s no wonder many Americans are feeling uneasy—60% worry “a great deal” about the economy, according to Gallup. But here’s the good news: uncertain times don’t last forever. By taking a long-term view, focusing on money management fundamentals and choosing some low-risk investments, you can regain control and help protect your financial future. One critical step? Partnering with a bank that has a strong foundation and a proven track record.

Choose a bank that puts stability first

American National Bank has been in business since 1856. During that time, we’ve crossed paths with every major economic event and have always emerged as the victor. Why? Because the most important thing we can do is protect your hard-earned dollars. Our priorities put safety and soundness first, followed by profit and growth in that order. 

At ANB, we’re well-capitalized with excellent asset management, diversified assets, strong liquidity and sound margins. We have no exposure to volatile business lines like cryptocurrency or venture capital investing. And we vigilantly monitor and adapt to dynamic market needs. We’re confident that we’ll meet your needs—and relieve concerns—today and well into the future.

Others think so, too. Forbes named American National Bank as a World’s Best Bank for two years in a row, 2024 and 2025. Only 385 banks out of thousands made this year’s final list. Forbes, in partnership with an independent research firm, conducted surveys that focused on five key metrics: customer service, terms and conditions, digital services, financial advice and trustworthiness. Per Forbes, “Trustworthiness—perhaps unsurprisingly—was deemed the most important aspect of a bank among all participants across all countries.”

Why privately-owned banks stand apart

At a publicly traded bank, shareholders buy stocks with the expectation of profits and growth. The bank that offered the stock then needs to meet the needs of two separate groups, customers and shareholders. These groups may not have the same priorities or goals, which can lead to tension.

In contrast, ANB is a privately owned institution. We don’t offer stock and are free from the influence and opinions of outside shareholders. We’re able to conduct business on our own terms and prioritize your needs first. For us, our way of doing business—prudent, steady and safely—is non-negotiable. These beliefs have served our clients well and are the reason for our longevity. 

Protect your money with low-risk investments

When there’s uncertainty in the markets, low-risk investments can help you protect and grow your savings. Two time-tested products include certificate of deposit (CDs) and money market accounts. Each earns more interest than a standard checking or savings account, and both are back by FDIC insurance for up to $250,000. 

CDs at ANB include 6- and 13-month terms that earn guaranteed fixed rates. Plus, no matter what happens in the markets, money in a CD is always protected.

Money markets offer similar benefits, and funds can be accessed at any time. Money markets also transition to a variable rate after the initial six-month term. 

For more info on how to choose, we have another article just for you.    

Practice money management fundamentals 

How you manage money is one economic factor that’s always in your control. Taking charge of your dollars also helps you feel empowered and encouraged. After a few financial fitness wins, you’ll want to tackle even more. 

Make a commitment to yourself. As the CEO of your money, you’re in charge of every single penny. And if you make a pledge, you have better odds of following through with your intentions. This means you’ll want to check your budget regularly, track progress and adjust as needed. Get your family involved, too. When everyone is on the same page, money management gets easier. 

Set achievable goals. Goals give you a purpose, and purpose drives action. Start with one or two that doable, like improving your emergency fund, paying down debt or improving your credit score. 

Grade your current spending. Do you know exactly how much you spend on essentials and non-essentials? Is there room for improvement? You’ll need to make a list of each to find out. Essentials include rent/mortgage, utilities, food, clothing, prescriptions and other must-haves. Non-essentials include streaming services, dining out, grooming, excess shopping and other treats. Then ask what matters most. Is it convenience, fun or a little more peace of mind? Tough calls for sure, but you can do it.   

Use a financial app to help. At ANB, we’re fond of our own: ANB Go. Think of it as budget mission control. You can monitor spending, set goals, pay bills, get alerts and keep track of your commitment to save and spend less. ANB Go makes budgeting a lot easier. 

Take a long-term view of the economy

It’s easy to feel overwhelmed by economic uncertainty—but history shows us that every downturn eventually leads to recovery and growth. From the Great Depression to the 2008 financial crisis, challenges have sparked change and progress time after time. For every economic downside, there’s an upside waiting to emerge.

Articles contained in our news section are not intended to provide recommendations or specific advice. Consult with a professional when making financial decisions. Once published, articles are not updated; information may be outdated.