Name

Sunwest Bank

Legal name

Sunwest Bank

Website

https://sunwestbank.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Commercial banking services
• Business deposit accounts
• Treasury management services
• Commercial lending products
• SBA loan programs

Headquarters

HQ city

Sandy

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue from interest earned on loans including commercial loans, real estate financing, SBA loans, equipment loans, and consumer lending. The bank offers various lending products including acquisition financing up to $15 million, term loans, lines of credit, and SBA 504 and 7(a) loans
2. Deposit and Checking Account Fees: Monthly service charges, per-item transaction fees (check paid charges, deposit charges, deposited item charges), and analysis fees on analyzed checking accounts. Fee revenue from various business and personal checking account products
3. Treasury Management Services: Fees from ACH processing, lockbox services, payment processing, armored courier coordination, cash vault management, credit sweeps, and Positive Pay fraud protection services
4. Wealth Management and HSA Services: Revenue from HSA account administration through SelfcareHSA platform and IRA CD products
5. Cyber Insurance Referral: Partnership revenue from cyber insurance referrals through Cowbell partnership

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Sunwest Bank is a privately held commercial bank offering deposit accounts, commercial and SBA lending, and treasury management services to entrepreneurs, small businesses, and middle-market commercial clients across the Western United States. Its core offerings include business and personal checking, savings, money market, and IRA/CD accounts, alongside acquisition financing, term loans, equipment loans, revolving lines of credit, and SBA 504/7(a)/Express loans. The bank differentiates through industry-specific banking services spanning 15+ verticals and a digitization strategy featuring online/mobile banking, remote deposit capture, and AI-powered security.

Product overview

Sunwest Bank is a privately held commercial bank offering a comprehensive suite of banking, lending, and treasury management products and services for entrepreneurs and businesses across the Western United States. The bank's core product portfolio includes business and personal deposit accounts (checking, savings, money market, IRA/CD), enhanced with digital banking platforms (Corporate Online Banking, Online & Mobile Banking) and specialized treasury management services (ACH processing, lockbox, payment processing, Positive Pay, remote deposit capture, armored courier, cash vault management, credit sweeps). The bank provides commercial and SBA lending solutions including acquisition financing, equipment loans, revolving lines of credit, and SBA loan programs. Additional offerings include cybersecurity insurance, HSA services, and software integrations with property management (CINC, eUnify, Vantaca), accounting (QuickBooks, NetSuite), and ERP systems (SAP, Kyriba). The bank operates across California, Arizona, Idaho, Utah, Florida, and Colorado with recent expansion through the acquisition of MidWestOne and Bank of Denver branches.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking Basic non-interest bearing business checking account offering online banking, bill pay, e-statements, and debit card access for small businesses.
• Analyzed Checking Business checking account with high transaction volumes featuring an Earnings Credit Rate that offsets monthly account fees based on average monthly deposits and balances.
• Fortress Checking Enhanced security business checking account with multi-factor authentication, Positive Pay for check and ACH fraud protection, and Beauceron Security cybersecurity training.
• Business Tiered Super Savings Money Market Tiered interest-bearing business money market account with four balance tiers paying higher APY as balances grow, with unlimited withdrawals and FDIC insurance.
• Premium eAdvantage Business Checking Bundled business checking account with online banking, e-statements, debit card, discounted bill pay, remote deposit capture, online wire transfers, and ACH origination services.
• Personal Checking Traditional personal checking account with unlimited deposits/withdrawals, overdraft protection, and online banking access.
• Low-Cost Checking Minimalist personal checking account with no minimum balance requirement and a low monthly service charge, ideal first account for students and teens.
• Checking Plus Interest Interest-bearing personal checking account that earns competitive APY on balances while providing full checking functionality.
• Super Savings Money Market Personal money market account with higher interest rates than traditional savings, with debit card access, check-writing privileges, and FDIC insurance up to $250,000.
• Individual Retirement Account (IRA/CD) Tax-advantaged retirement savings account available as Traditional or Roth IRA CDs, combining IRA tax benefits with guaranteed CD returns.
• Online and Mobile Banking Digital banking platform providing 24/7 account access, mobile deposit, bill pay, fund transfers, account alerts, biometric login, and AI-powered fraud monitoring.
• Corporate Online Banking Online banking platform for corporate clients featuring secure messaging, administrative user controls, customizable dashboard, single sign-on access to treasury services, and remote deposit capture.
• ACH Payment Processing Electronic payment network service enabling businesses to send and receive funds via direct deposit, vendor payments, payroll, and bulk disbursements.
• Armored Courier Service Secure cash transportation service using armored vehicles and trained professionals for safe delivery of large cash deposits with customizable pickup and dropoff scheduling.
• Cash Vault Management Business cash management service providing on-demand access to large cash amounts with next-day armored courier delivery, customized delivery frequency, and reduced on-premise money storage risk.
• Credit Sweeps Automated cash management tool that transfers idle or excess funds from deposit accounts to lines of credit for debt paydown or vice versa to maintain target checking balances.
• Lockbox Services Specialized payment collection service using bank-managed post office boxes for efficient processing and depositing of customer checks, with HOA-specific and HIPAA-compliant medical lockbox options.
• Payment Processing Merchant services including credit/debit card processing, EMV terminals, ecommerce gateway, level 2/3 data processing, PCI compliance support, and 24/7 customer support.
• Positive Pay Fraud prevention service matching checks and ACH transactions against authorized issue files, with exception item alerts and return capabilities for unauthorized transactions.
• Remote Deposit Capture Digital check deposit service allowing businesses to scan and submit check images from office scanners or mobile devices for deposit without visiting a branch.
• Acquisition Financing Business acquisition loans up to $15 million for purchasing existing companies, including buyouts, competitor acquisitions, and strategic asset purchases.
• Commercial and Small Business Lines of Credit Asset-based revolving credit lines providing flexible access to financing when business needs arise.
• Equipment Loans Financing for acquiring technology, equipment, and machinery needed for business operations and growth.
• Recapitalization Loans Equity borrowing loans allowing businesses to leverage existing equity for growth capital without selling ownership stakes.
• Revolving Lines of Credit Flexible revolving credit facilities for covering unexpected costs and managing cash flow fluctuations with draw-and-repay flexibility.
• Term Loans Fixed-term business loans providing immediate capital for growth, expansion, and operational needs with structured repayment schedules.
• SBA 504 Loans SBA 504 loans for acquiring fixed assets for business growth and expansion with favorable long-term financing terms.
• SBA 7(a) Commercial Real Estate Loans SBA 7(a) commercial real estate loans for acquiring or developing property and buildings for business operations.
• SBA 7(a) Multipurpose Loans SBA 7(a) loans up to $5 million for essential business operations including working capital, equipment, inventory, and expansion.
• SBA Express Loans SBA Express Loans up to $350,000 with an expedited approval process providing funding in less than 2 days.
• SelfcareHSA Health Savings Account platform enabling account holders to pay current healthcare expenses while maximizing tax-advantaged savings, with mobile app for contributions, distributions, and receipt storage.
• Cyber Insurance Business cyber liability coverage offered in partnership with Cowbell, providing transparent cyber insurance for enterprises with up to $250 million in annual revenue, including continuous risk assessment and incident coverage.

Quantifiable outcome

• Cybersecurity training reduces employee phishing engagement by 85% and increases threat reporting by 99%
• +2 more outcomes

Segments15 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability6 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core and strategic.

• CowbellcoreGTM or Marketing PartnerSunwest Bank partners with Cowbell, a cyber insurance provider, to offer cyber insurance protection to business customers. Cowbell brings transparency to cyber insurance with clarity of coverage, continuous risk assessment, and actionable insights. The partnership provides businesses with comprehensive cyber insurance coverage designed for enterprises with up to $250 million in annual revenue, including healthcare, technology, construction, finance, and retail sectors.
• CINC SystemscoreTechnology or IntegrationSoftware integration partnership providing HOA and property management software integration with Sunwest Bank services including account balances, transactions, account reconciliation, lockbox posting files, and ACH file submission capabilities.
• eUnifycoreTechnology or IntegrationHOA software integration partnership providing seamless data synchronization between eUnify property management platform and Sunwest Bank services including account balances, transactions, and lockbox processing.
• ATG C3coreTechnology or IntegrationTechnology integration providing accounting and payment processing connections including account balances, transactions, account reconciliation, and AR/AP check images.
• Village Management SoftwarecoreTechnology or IntegrationHOA management software integration enabling account synchronization and payment processing between Village Management Software and Sunwest Bank treasury services.
• VantacacoreTechnology or IntegrationHOA software integration providing seamless payment processing, lockbox services, and accounting integration between Vantaca platform and Sunwest Bank services.
• NetSuitestrategicTechnology or IntegrationERP integration partnership enabling Sunwest Bank customers to synchronize banking and payment transactions with NetSuite accounting and financial management software.
• KyribastrategicTechnology or IntegrationTreasury management integration partnership connecting Sunwest Bank payment services with Kyriba enterprise treasury and payment solutions platform.
• SAPstrategicTechnology or IntegrationEnterprise software integration enabling Sunwest Bank corporate clients to connect banking services with SAP financial management and ERP systems.
• Envestnet YodleestrategicTechnology or IntegrationData aggregation and financial data integration partnership enabling account data sharing between Sunwest Bank and Envestnet Yodlee financial services platforms.
• Personify HealthcoreGTM or Marketing PartnerEmployee wellness platform partnership where Sunwest Bank uses Personify Health solutions for its employee benefits program, recognized with Benefits Innovator Award at Thrive Summit 2026 for measurable wellness outcomes including 93% first-year registration and 58% BMI reduction.
• Beauceron SecuritycoreTechnology or IntegrationCybersecurity training software integrated with Fortress Checking accounts, providing personalized risk scores, tailored training, and measurable results including 99% increase in employees reporting threats and 85% reduction in malicious email engagement.
• QuickBooksstrategicTechnology or IntegrationAccounting software integration enabling Sunwest Bank business customers to synchronize banking transactions with QuickBooks accounting software.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Pacific Premier Bancorp: Pacific Premier Bancorp is a California-headquartered commercial bank serving SMBs and professionals with similar relationship-based banking, treasury management, and specialty lending offerings. Directly comparable in target market, product mix, and West Coast footprint.
• CVB Financial (Citizens Business Bank): CVB Financial operates Citizens Business Bank, a California-based commercial bank focused on businesses, professionals, and municipalities with comparable checking, treasury, and lending products. Closely matched business model and Southern California presence.
• First Foundation Inc. First Foundation is a financial services company with banking and wealth management operations serving businesses, professionals, and consumers in California, Nevada, Texas, and Hawaii. Comparable in relationship banking focus and Western US diversification.
• Banner Bank: Banner Bank is a Pacific Northwest community bank providing commercial, small business, and treasury banking across the Western US. Comparable in commercial/SMB focus, regional banking model, and geographic corridor overlap.
• Glacier Bancorp: Glacier Bancorp is a multi-state community bank holding company operating across the Mountain West and Pacific Northwest with a similar SMB and commercial banking focus. Highly comparable multi-state community banking model and recent M&A-driven growth strategy.
• Banc of California: Banc of California is a California-based commercial bank serving SMBs, entrepreneurs, and private equity-backed businesses. Directly comparable entrepreneur focus, business banking products, and Southern California headquarters -- and a notable overlap given Sunwest's new CFO came from this bank.
• Heritage Commerce Corp: Heritage Commerce Corp operates Heritage Bank of Commerce, a California community bank serving SMBs and professionals with relationship banking. Comparable in target market, business banking products, and Northern California footprint.
• WaFd Bank (Washington Federal): WaFd Bank is a Pacific Northwest community bank with branches across eight Western states, focused on commercial and consumer banking. Comparable regional banking scale, geographic corridor, and commercial lending book.
• Umpqua Bank: Umpqua Bank is a Pacific Northwest-headquartered community bank with branches across the Western US serving businesses and consumers. Comparable community banking model, geographic footprint, and commercial lending emphasis.
• Heartland Financial USA (HTLF): HTLF is a multi-state community bank holding company operating brands across the West, Midwest, and Southwest. Notably, Sunwest's National Healthcare MD Donika McKelvie previously managed a $500M healthcare portfolio at HTLF Bank, signaling similar vertical-bank specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sunwestbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sunwest Bank