West Valley National Bank

What West Valley National Bank does

West Valley National Bank is a privately held, FDIC-insured national bank headquartered in Goodyear, Arizona, founded in 2006 by nine local residents including real estate developers, medical doctors, an attorney, and small business owners. It operates as a subsidiary of West Valley Bancorp, Inc. and runs three branches across Arizona (Goodyear and Gila Bend) and Nevada (Las Vegas). The bank serves small businesses, commercial real estate investors, medical and dental professionals, attorneys, CPAs, realtors, and non-profit organizations in the West Valley Phoenix area and Clark County, Nevada.

The bank's product set spans business and personal banking. Business offerings include SBA 504 and 7(a) loans, commercial real estate loans, operating lines of credit, business deposit accounts (Business, Analyze This, Smart Business, and We Care), and cash management services — ACH file origination, wire transfers, remote deposit capture, positive pay fraud detection, sweep services, and courier services. Personal offerings include vehicle loans, recreational vehicle/boat loans, residential construction loans, overdraft protection, mobile and online banking, debit cards, and credit cards delivered through partnerships with Elan Financial Services and MoneyPass. Underlying technology is standard banking infrastructure: 128-bit SSL encryption, multi-factor authentication, secure cookies, and a digital banking platform accessible via web and mobile.

WVNB's revenue model is a mix of net interest income from loan and deposit products, recurring account fees, and transaction-based interchange from debit and credit cards. Go-to-market is sales-led and relationship-based, relying on direct contact with named loan officers (Brett Bhesania, Brian Faith) rather than automated channels, with a stated commitment to no automated help lines. Customer acquisition is driven by community presence, referral relationships, and digital presence rather than paid marketing. The bank emphasizes quick loan decision response and local decision-making as differentiators against out-of-state institutional competitors. Pricing is not publicly disclosed; loan rates are subject to approval and account fees vary by product type.

Name

West Valley National Bank

Legal name

West Valley National Bank

Website

https://wvnb.net

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

West Valley National Bank is a privately held, FDIC-insured community bank founded in 2006, operating three branches in Arizona and Nevada. It provides business and personal banking — including SBA loans, commercial real estate financing, deposit accounts, and cash management — to small businesses, medical and dental professionals, and non-profits.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Community banking
• Commercial lending
• SBA loans
• Business cash management
• Personal banking

Headquarters

HQ city

Goodyear

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Business Lending: Commercial real estate loans, SBA 504 and 7(a) loans, capital improvement loans, operating lines of credit for local businesses in Arizona and Nevada.
2. Personal Lending: Vehicle loans, recreational vehicle/boat loans, residential construction loans, overdraft protection, and personal loan products.
3. Business Deposit Accounts: Business checking and savings accounts including Business Account, Analyze This (earnings credit), Smart Business (money market), and We Care Account (non-profit) with associated fees and services.
4. Debit and Credit Cards: Debit cards through MoneyPass network partnership and credit cards through Elan Financial partnership, generating interchange and interest revenue.
5. Cash Management Services: Wire transfers, sweep services for overdraft protection and money market management, courier services for business clients.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

West Valley National Bank is a locally owned community bank providing business and personal banking products and services across Arizona and Nevada. Its core offerings include commercial real estate loans, SBA 504 and 7(a) loans, business deposit accounts, business cash management (online banking, remote deposit capture, ACH, wire transfers, positive pay), personal loans (vehicles, RVs/boats, residential construction), and personal deposit accounts serviced through three branch locations plus online and mobile channels.

Product overview

West Valley National Bank is a locally owned and operated community bank offering a unified suite of banking products and services for both business and personal clients. The product portfolio includes Business Loans (Commercial Real Estate Loans, SBA 504, SBA 7(A), Capital Improvement Loans, and Operating Loans/Lines of Credit), Business Accounts (Business Account, Analyze This, Smart Business, We Care Account), and Business Cash Management Services (Online Banking, Remote Deposit Capture, Debit/Credit Cards, Courier Services, Sweep Services, Wire Transfers). For personal banking, the bank offers Personal Loans (Recreational Vehicles/Boats, Residential Construction Loans, Overdraft Protection, Vehicle Purchases), Personal Accounts (Mobile Banking, Online Banking), and Personal Banking Services (Debit Cards, Night Drop). The bank serves Arizona and Nevada through four branch locations, emphasizing personalized service and local decision-making.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans Loan products for local businesses including Commercial Real Estate Loans, SBA 504 Commercial Real Estate Loans, SBA 7(A) Loans, Capital Improvement Loans, and Operating Loans/Lines of Credit designed to help businesses expand and thrive in Arizona and Nevada.
• Business Deposit Accounts Deposit accounts for business clients including Business Account (limited transactions with low fees and Online Bill Pay), Analyze This (high-volume transactions with earnings credit), Smart Business (money market with competitive rates), and We Care Account (for non-profit organizations with low minimum balance and fees).
• Business Cash Management Services Comprehensive cash management services including Online Banking (ACH file origination, wire transfers, bill pay, paperless statements, positive pay), Remote Deposit Capture, Business Debit Cards, Credit Cards, Courier Services, Sweep Services, Night-drop, and Wire Transfers for business clients.
• Personal Loans Loan products for individuals including Recreational Vehicles/Boats, Residential Construction Loans, Overdraft Protection, and Vehicle Purchases to help make personal dreams come true.
• Personal Deposit Accounts Deposit and banking services for individuals including Mobile Banking, Online Banking, and personalized Customer Service delivered through multiple access channels based on individual preference.
• Personal Banking Services Additional personal banking convenience services including Debit Cards with worldwide ATM access and Night Drop for 24-hour deposit convenience.
• Credit Cards Credit card products provided through Elan Financial partnership offering a wide array of options for both personal and business clients with various benefits; business credit cards allow purchase authorization levels for internal controls.

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• MoneyPasscoreTechnology or IntegrationWest Valley National Bank has partnered with MoneyPass to offer clients nationwide ATM access and point of sale purchase power. Clients receive free ATM access to all Arizona US Bank ATMs as well as many other ATM locations across the United States, plus MoneyPass ATM access worldwide and Mastercard ATM access worldwide.
• Elan Financial ServicescoreTechnology or IntegrationWest Valley National Bank has partnered with Elan Financial to provide a wide array of credit card options. The partnership offers convenience and dependability with various benefits and services for cardholders. Business credit cards allow purchase authorization levels to maximize internal controls.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

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 West Valley National Bank