What Bank CDA does

Bank CDA is a community bank headquartered in Coeur d'Alene, Idaho, operating six branch locations across Northern Idaho (Coeur d'Alene, Post Falls, Hayden, Kellogg), Central Washington (Tri Cities), and Eastern Washington (Spokane). Founded in 2001 and trading on otcpink under CDAB, the bank serves individuals, small and medium businesses, and home loan customers in the Inland Northwest with a regional community banking model that emphasizes local decision-making, deposits reinvested in the local economy, and personalized service. The institution is FDIC-insured and NMLS-licensed (ID: 684639).

The bank's product portfolio spans Personal Banking (checking, savings, personal loans), Business Banking (checking, savings, business loans, merchant services, Autobooks digital payments), and Home Loans (mortgages, home equity lines of credit, home equity loans, construction and land loans). Digital delivery is handled through a mobile banking app (mobile deposit, person-to-person payments, bill pay, balance review) and an online banking portal. Underlying technology is described as traditional community banking infrastructure complemented by digital banking capabilities, with Autobooks and PSCU providing integrated digital payments and credit card processing respectively. Leadership consists of President and CEO Wes Veach, SVP and Chief Credit Officer Brad Rasor, VP and CFO Ashley Lenz, and SVP and Senior Operations Officer Kim Nordstrom.

Bank CDA's revenue model is a mix of net interest income on home, personal, and business loans; deposit fees and service charges on checking and savings accounts; merchant services transaction fees; and digital payment service fees from the Autobooks integration. Pricing for loans, deposits, and fees is quote-based and not publicly disclosed. Go-to-market is community-led through physical branches and digital self-service channels, with no disclosed funding events beyond a 2019 capital raise and no disclosed acquisitions, subsidiaries, or parent company.

Name

Bank CDA

Legal name

Bank CDA

Website

https://bankcda.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank CDA is a community bank headquartered in Coeur d'Alene, Idaho, operating six branches across Northern Idaho and Washington to serve individuals, small businesses, and home loan borrowers with personal banking, business banking, mortgages, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking
• Personal banking
• Business banking
• Home loans
• Merchant services

Headquarters

HQ city

Coeur D'alene

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest earned on loans including home loans, personal loans, and business loans
2. Deposit Fees and Service Charges: Fees from checking accounts, savings accounts, and other banking services
3. Merchant Services: Payment processing and merchant services for business customers
4. Digital Payment Services: Autobooks digital payment platform for business customers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Bank CDA is a community bank offering deposit accounts (checking, savings), consumer and commercial loans (personal loans, business loans, mortgages, home equity, construction/land loans), and digital banking (mobile app, online banking, bill pay). It also provides merchant services and payment processing (Autobooks integration, credit card processing via PSCU) for small businesses across six branch locations in the Inland Northwest.

Product overview

Bank CDA is a community banking institution offering a unified platform of financial services across personal banking, business banking, home lending, and digital (eBanking) channels. The core product portfolio centers on Personal Banking (checking, savings, loans, services) and Business Banking (checking, savings, loans, merchant services) as the primary customer-facing offerings. Home Loans serves as a distinct vertical covering mortgages, home equity products, and construction financing. eBanking, including the Mobile App, represents the digital channel providing online and mobile access to all account services. The bank operates six physical locations across Northern Idaho, Central Washington, and Eastern Washington, complementing its digital services with local community presence.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Personal banking services including checking accounts, savings accounts, personal loans, and personal services for individual customers in Northern Idaho and Eastern Washington.
• Business Banking Comprehensive business banking services including business checking, business savings, business loans, and business services tailored for small to mid-sized businesses.
• Home Loans Residential lending products including mortgages, home equity lines of credit, home equity loans, and construction/land loans for homebuyers and homeowners.
• eBanking Digital banking platform providing mobile banking, online banking, and bill pay services for convenient account access and management.
• Merchant Services Payment processing services enabling businesses to accept credit card and electronic payments from customers.
• Autobooks Digital Payments Digital payment platform enabling invoicing, payment collection, and accounts receivable management integrated into Bank CDA's business banking platform.
• Business Loans Commercial lending solutions including term loans and lines of credit to support business growth and operational needs.
• Personal Loans Consumer lending products for personal financial needs including debt consolidation, major purchases, and emergency expenses.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and supporting.

• AutobookscoreTechnology or IntegrationAutobooks provides digital payment integration for business customers, enabling invoicing, payment collection, and accounts receivable management integrated into Bank CDA's business banking platform.
• PSCU (Credit Card Processing)supportingTechnology or IntegrationPSCU provides credit card payment processing services, enabling Bank CDA customers to make credit card payments through an external portal.
• NMLS (Nationwide Multistate Licensing System)supportingOthersNMLS ID: 684639. Bank CDA maintains proper licensing through the Nationwide Multistate Licensing System for mortgage and lending operations.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Washington Trust Bank: Spokane-headquartered Pacific Northwest community bank offering personal, business, and mortgage banking across Eastern Washington, Idaho, and Oregon. Direct geographic and product overlap with Bank CDA across the Inland Northwest.
• Panhandle State Bank: Idaho-based community bank serving the Inland Northwest with personal, business, and agricultural lending. Closely comparable in scale, geographic footprint, and community banking model to Bank CDA.
• Idaho Trust Bank: Idaho state-chartered community bank providing personal and business banking services. Operates in the same Idaho market as Bank CDA with a comparable product set and community-bank positioning.

Regional players

• Glacier Bancorp: Kalispell, Montana-based bank holding company with a network of community banks across the Western U.S., including Idaho and Washington. Operates a similar community-bank model but at significantly greater scale than Bank CDA.
• First Interstate BancSystem: Multi-state community bank holding company headquartered in Montana with branches across Idaho, Washington, Wyoming, and surrounding states. Competes in the same geographies as Bank CDA with a broader branch footprint and product suite.
• Heritage Financial Corporation: Washington state-chartered bank holding company operating Heritage Bank across Washington, Oregon, and Idaho. Community/commercial banking model with comparable product mix to Bank CDA across overlapping geographies.
• HomeStreet Bank: Seattle-based community bank with personal, business, and mortgage banking across the Western U.S. Strong mortgage lending overlap with Bank CDA's home loan vertical, particularly in Pacific Northwest markets.

Broad incumbents

• Umpqua Bank: Pacific Northwest-headquartered commercial bank offering personal, business, and wealth management services across the Western U.S. A larger incumbent that overlaps materially with Bank CDA's geography and product set.
• Banner Bank: Washington-based commercial bank with branches across the Pacific Northwest, including Idaho and Eastern Washington. Provides personal, business, and mortgage banking directly overlapping with Bank CDA's core offerings.
• Zions Bancorporation: Multi-bank holding company with divisions serving Idaho, Washington, and the broader Western U.S. A much larger regional incumbent competing for the same consumer and small-business deposits and loans as Bank CDA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors

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

M&A

Investments

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

Frequently asked questions about Bank CDA