Pikes Peak National Bank

What Pikes Peak National Bank does

Pikes Peak National Bank (PPNB), also doing business as Colorado Springs Community Bank, is a privately held, independent community bank founded in 1957 and headquartered in Colorado Springs, Colorado. It operates three branches (Old Colorado City, North Academy, and Stetson Hills) with an employee base in the 11-50 range, serving small businesses, entrepreneurs, established businesses, and personal/retail banking customers within the Colorado Springs metro area exclusively. The bank pursues a relationship-driven, sales-led model executed through branch managers and commercial lenders, with deliberate community targeting of veteran entrepreneurs (via the Pikes Peak SBDC) and the Hispanic business community (via the local Hispanic Chamber).

PPNB offers a full retail and commercial banking product suite structured around three tiers of business checking (Entrepreneur, Small Business, Premier) and three tiers of personal checking (Independence, Command, Universal), supplemented by savings, money market accounts, FDIC-backed CDs (30-day through 36-month terms), commercial and personal lending, debit/credit cards, merchant services/payment processing, and overdraft protection. Technology is a standard third-party community-banking platform with online and mobile banking (iOS/Android), remote deposit capture, and operational conveniences such as on-the-spot debit card printing (eliminating the typical 10-14 day card wait) and a morning overdraft call-back service. There is no developer-facing API; merchant services integrate with Clover and QuickBooks, and ancillary services route to third parties such as Deluxe (checks) and Common Sense Lenders (credit card applications).

Revenue mechanics follow a conventional bank model: net interest income from lending (real estate, equipment/vehicle, operating, and business-expansion loans), deposit account service fees (e.g., $5/month Independence, $12/month Universal, waivable on minimum balances or direct deposit), CD/time-deposit spreads, and transaction-fee income from merchant payment processing (funding in 1-2 business days). Pricing is largely quote-based for rates. The bank has been owned since 2018 by Antoun Sehnaoui, an international banking figure (Chairman of Société Générale de Banque au Liban and Compagnie Financière Richelieu), and is run locally by President/CEO Frank DeLay; it is Member FDIC and an Equal Housing Lender.

Name

Pikes Peak National Bank

Legal name

Pikes Peak National Bank

Website

https://ppnb.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Pikes Peak National Bank is an independent community bank founded in 1957, operating three branches in Colorado Springs, Colorado, providing business and personal checking, lending, deposits, and merchant payment services to local small businesses, entrepreneurs, and retail consumers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Credit Card Issuing (52221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), General Purpose Credit Cards (FSAKABAA)

Keywords

• Retail banking services
• Community banking
• Personal deposit accounts
• Business banking
• Local bank branches

Headquarters

HQ city

Colorado Springs

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, Marketing or Sales

Revenue model

1. Interest Income: Traditional bank interest income from lending activities including business loans, personal loans, real estate financing, equipment/vehicle loans, and operating funds.
2. Deposit Account Fees: Monthly service fees on deposit accounts (Independence $5/month, Universal $12/month) that can be waived with minimum balances or direct deposit requirements.
3. Merchant Services/Payment Processing: Payment processing services enabling businesses to accept credit/debit cards. Competitive rates for point-of-sale, online, wireless, and mobile payments. Funding occurs in 1-2 business days.
4. Certificates of Deposit: Time deposits with guaranteed rates of return. FDIC-backed CDs in 30-day, 90-day, 6-month, 12-month, 24-month, and 36-month terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Pikes Peak National Bank is a privately held community bank in Colorado Springs, Colorado, that provides personal and business deposit products, including checking accounts, savings accounts, money market accounts, and certificates of deposit. The bank operates three branch locations in Colorado Springs and serves local consumers and small businesses with traditional community banking services.

Product overview

Pikes Peak National Bank is an independent community bank offering a comprehensive suite of banking products through a three-tier business checking account structure (Entrepreneur, Small Business, Premier) and three personal checking account types (Independence, Command, Universal). The bank's core offerings span commercial and consumer lending, deposit products including certificates of deposit and money market accounts, merchant payment processing services, debit and credit cards with on-the-spot issuance, and digital banking via online and mobile platforms with remote deposit capture capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Standard personal checking account products offered to individual consumers in the Colorado Springs market.
• Personal Savings Accounts Personal savings deposit accounts offered to individual consumers.
• Personal Money Market Accounts Personal money market deposit accounts for individual consumers.
• Certificates of Deposit (CDs) Term deposit products (CDs) for individual consumers seeking fixed-rate savings over specified terms.
• Business Checking Accounts Business checking deposit accounts for small and mid-sized local businesses in Colorado Springs.
• Business Savings Accounts Business savings deposit accounts for local companies.
• Business Money Market Accounts Business money market deposit accounts for local business customers.

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Colorado Springs Hispanic Chamber of Commerce (El Concilio/CSHCC)coreStrategic or Co-development Partner · 1 January 2026President's Circle member through 2026. Strategic partnership supporting Hispanic entrepreneurs in the Greater Colorado Springs area. PPNB provides banking expertise to what they describe as one of the most vibrant local business populations. Partnership described as exceptional collaboration to build up and promote multicultural businesses.
• Colorado Springs PhilharmoniccoreGTM or Marketing Partner · 1 January 2019Season Title Sponsor from 2019-2025. Multi-year financial commitment by Pikes Peak National Bank and owner Antoun Sehnaoui. Partnership aimed at making live classical and pops performance accessible to more children and adults in the Pikes Peak region. PPNB bank customers receive discounts on Philharmonic performances with vouchers available at all branches.
• Pikes Peak Small Business Development CentercoreStrategic or Co-development PartnerSince 2007, PPNB has led programs introducing veteran entrepreneurs to skills and solutions for business success. Hosts annual Veterans Small Business conference with subject experts on sales, marketing, government contracting, certifications, and financials. Consultants specializing in these areas, many of whom are veterans, help veterans grow their businesses.

Scale indicators3 records

Recent moves2 records

Direct peers

• ENT Credit Union: Large Colorado-headquartered member-owned financial institution headquartered in Colorado Springs — directly competes with PPNB for the same local consumer and SMB deposit, loan, and merchant-services business in the Pikes Peak region.
• FirstBank: Colorado-based community bank with branch presence across the Front Range, including the Colorado Springs market — directly comparable in business model, SMB/personal banking product set, and local relationship-banking approach.
• Academy Bank: Colorado Springs-headquartered community bank offering personal, business, and mortgage products in the Pikes Peak region — direct overlap in market and product mix.
• Independent Bank Group: Texas-headquartered community bank holding company with a similar profile of relationship-driven commercial and consumer banking in secondary metro markets — directly comparable on business model and target SMB customer.

Regional players

• Bellco Credit Union: Colorado-based credit union offering consumer and SMB banking products across the Front Range — similar community-anchored deposit and loan model, competing indirectly in the same regional footprint.
• Premier Members Credit Union: Colorado credit union serving individuals and small businesses in the Boulder/Denver metro and parts of the Front Range — comparable community-anchored deposit, loan, and digital banking product set in a similar regional context.

Broad incumbents

• Glacier Bancorp: Multi-state community bank holding company operating a network of community banks across the Western U.S. — broader scale version of PPNB's community banking model, useful as a comparable for unit economics and consolidation dynamics.
• Old National Bank: Large Midwestern community bank offering commercial, retail, and wealth banking — comparable product breadth to PPNB but at materially larger scale, illustrating the structural gap PPNB faces in cost and product investment.
• U.S. Bank (Colorado Springs branches): Large national bank with significant branch presence in Colorado Springs — direct competitive overlap in deposit and SMB banking, but at vastly larger scale and a different service model.
• Wells Fargo (Colorado Springs branches): Major national bank with multiple Colorado Springs branches — competes head-to-head for the same consumer and small business banking customers, but with significantly broader product set and pricing power.

Market position

Strengths4 records

Weaknesses4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/pikespeaknb

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Pikes Peak National Bank