Community 1st Bank

What Community 1st Bank does

Community 1st Bank is a chartered community bank headquartered in Post Falls, Idaho, founded in 2007 and operating as a private, for-profit institution serving personal, business, and wealth management customers across the regional Northwest U.S. market through a physical branch network, digital self-service channels, and dedicated relationship managers. The bank competes as a full-service community institution offering deposit products (Orange Checking, savings, money management), consumer lending (home loans including jumbo, auto, home equity, debt consolidation, AdvanceLine), commercial banking (business checking and savings, commercial loans, SBA loans, commercial credit cards), treasury solutions (remote deposit capture, positive pay fraud prevention, merchant services, lockbox remittance processing, business sweep accounts), and wealth services (retirement planning, college savings, insurance, trusts and estates, investment services, financial planning tools, and specialized practices for foundations, institutions, tribes, and municipalities).

The underlying technology stack is a standard retail and small-business digital banking platform: browser-based online banking, full-featured mobile applications, electronic remote deposit capture, fraud-prevention positive pay, and Zelle-based P2P payments enhanced with Step-Up Authentication. Distribution is omnichannel: branch retail, self-serve digital onboarding (online account opening in minutes), dedicated business banking specialists for mid-market commercial clients, and experienced relationship managers for commercial and wealth advisory sales. Corporate functions are supported by FDIC membership, NMLS licensing, and Equal Housing Lender designation.

Revenue is generated from three principal streams: interest income on the lending book across consumer and commercial credits (subscription-recurring in customer relationship terms); transaction-based fee income from deposit accounts, treasury, merchant card processing, and lockbox services; and recurring fee streams from wealth management, investment advisory, financial planning, and trust services. Go-to-market is hybrid, pairing community-led local relationship banking with digital-first onboarding, employer brand investment (Newsweek, Forbes, and Where You Work Matters recognitions in 2026), event-driven community engagement (Believe in Local, Volunteer Day, Mini Bank), and partnerships with the Smithsonian Institution and Banzai. Cumulative community reinvestment through the Foundation has reached a documented $100M and counting milestone.

Name

Community 1st Bank

Legal name

First Interstate BancSystem

Website

https://com1stbankid.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Community 1st Bank is a chartered community bank in Post Falls, Idaho offering personal, business, commercial, treasury, and wealth management banking services across the regional Northwest U.S. market through branches, digital channels, and dedicated relationship managers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Retail banking services
• Commercial lending
• Wealth management
• Treasury management
• Digital banking services

Headquarters

HQ city

Post Falls

HQ country

United States

HQ region

North America

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. Interest Income: Core revenue from lending activities including commercial loans, SBA loans, home mortgages, auto loans, and home equity lines of credit.
2. Banking Fees and Service Charges: Fee income from checking accounts, savings accounts, overdraft protection services, and other banking service charges.
3. Wealth Management and Investment Services: Revenue from financial planning, investment management, trust services, retirement planning, and insurance services.
4. Treasury and Merchant Services: Commercial credit card processing, merchant services, lockbox remittance processing, and business sweep accounts.
5. Digital Banking Services: Online banking, mobile banking, and related digital service offerings.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

Community 1st Bank operates as a chartered community bank delivering a comprehensive suite of personal, business, and wealth management banking products. Core offerings include checking and savings accounts, credit and debit cards, home and auto loans, commercial and SBA lending, treasury management solutions, and wealth/investment services, supported by online and mobile banking channels.

Product overview

First Interstate Bank operates as a full-service regional bank offering a comprehensive suite of banking products across personal, business, and wealth management segments. The bank provides traditional banking services including checking and savings accounts, credit cards, and debit cards as its core consumer products, complemented by digital banking platforms (Online Banking and Mobile Banking) that enable customers to manage accounts remotely. On the lending side, the bank offers home mortgages (including jumbo loans), auto loans, home equity lines of credit, and business lending including commercial loans and SBA loans. Wealth management services encompass retirement planning, investment services, trusts and estates, and specialized services for businesses including exit planning and retirement plan administration. Treasury solutions for business customers include merchant services, remote deposit capture, positive pay fraud protection, lockbox processing, and business sweep accounts. The product portfolio is organized around three main pillars: personal banking with consumer lending and digital services; business banking with commercial lending and treasury solutions; and wealth management with investment and planning services.

Differentiator

Problem solved

Functional benefit

Products and services

• Orange Checking
• Personal Savings Accounts
• Personal Credit Cards
• Personal Debit Cards
• Home Loans
• Auto Loans
• Home Equity Lines of Credit
• AdvanceLine Overdraft Credit
• Online Banking
• Mobile Banking
• Wealth Management
• Investment Services
• Business Checking
• Business Savings
• Commercial Loans
• SBA Loans
• Commercial Credit Cards
• Remote Deposit Capture
• Merchant Services
• Positive Pay
• Lockbox Remittance Processing
• Business Sweep Account
• Retirement Plan Services
• Exit Planning
• Tribes and Municipalities Wealth Services
• Escrow Services

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered core and minor.

• Smithsonian InstitutioncoreStrategic or Co-development Partner · 5 May 2026First Interstate Bank partners with the Smithsonian Institution to provide internship opportunities, connecting the bank's commitment to community development with national cultural and educational institutions.
• BanzaiminorStrategic or Co-development PartnerFinancial education partnership providing budgeting, credit building, and financial planning resources through Banzai's digital platform for bank customers.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Glacier Bancorp: Northwest-focused regional bank holding company that owns a network of community banks across Idaho, Montana, and surrounding states. Directly comparable to Community 1st Bank in regional footprint, community-banking model, and full-service product suite (deposits, lending, wealth).
• Banner Bank: Northwest regional community bank offering personal, business, and wealth management services across Idaho, Washington, Oregon, and California. Closely comparable in regional focus, full-service suite, and relationship-driven GTM.
• WaFd Bank (Washington Federal): Northwest and West-focused regional bank offering consumer, commercial, and mortgage products. Comparable in deposit-and-lending model and West-region footprint.
• HomeStreet Bank: Pacific Northwest community bank providing personal, business, and mortgage banking; comparable in Northwest footprint and relationship-driven community banking approach.
• Heritage Financial Corporation: Washington-state based community bank holding company with full-service personal and business banking. Closely comparable in size, regional footprint, and community banking model.
• Pacific Premier Bancorp: West Coast regional bank holding company serving small-to-mid-sized businesses and consumers with commercial loans, treasury, and wealth services. Comparable in community/commercial banking focus and geographic exposure.
• Idaho Central Credit Union: Idaho-headquartered member-owned financial cooperative offering full-service consumer and business banking. Directly comparable on geography (Idaho) and full-service community/retail banking offering.

Broad incumbents

• U.S. Bancorp: Large national bank with a significant Northwest regional presence and a full product suite including community-banking, commercial, and wealth. Acts as the broad incumbent competitor Community 1st Bank differentiates against via local decision-making and community reinvestment.
• Zions Bancorporation: Multi-state regional bank holding company with strong Intermountain West presence including Idaho. A relevant broad incumbent for commercial, treasury, and wealth benchmarking.
• First Interstate BancSystem: Multi-state community bank holding company in the Northwest/Mountain West; the data references First Interstate Bank branding extensively, and it is a relevant peer/parent-adjacent broad incumbent for full-service community banking across Idaho and surrounding states.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/firstinterstatebank
• Facebookfacebook.com/FirstInterstateBank
• LinkedInlinkedin.com/company/community-1st-bank
• Instagraminstagram.com/firstinterstate

Compliance3 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 Community 1st Bank