Western Security Bank
- Company typePrivate
- Founded-
- HeadquartersBillings, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
Western Security Bank firmographics
Firmographics- Name
- Western Security Bank
- Legal name
- Western Security Bank
- Website
- https://westernsecuritybank.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where Western Security Bank is headquartered
LocationHeadquarters
- HQ city
- Billings
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Western Security Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Revenue from interest earned on loans including real estate mortgages, personal loans, business loans, commercial loans, and agricultural loans. Core banking revenue stream.
- Fee Income: Revenue from account service fees, ATM fees, wire transfer fees, overdraft fees, and other banking service charges.
- Credit Card Operations: Credit cards issued through First National Bank of Omaha (FNBO) partnership. Bank earns interchange revenue on card transactions.
- Merchant Services: Payment processing revenue through Heartland partnership for business merchants accepting card payments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Totally Free Business Checking - No-cost business checking with basic features |
| Subscription | Monthly | Simply Business Checking - Moderate activity business accounts |
| Subscription | Monthly | Commercial Checking - Treasury management solution for larger businesses |
| Subscription | Monthly | Business Savings Account |
| Subscription | Monthly | Business Money Market Account |
| Subscription | Annual | Business Certificate of Deposit |
| Other | Monthly | Real Estate Mortgage Loans |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Western Security Bank product offering
Product offeringCore offering
Western Security Bank is a Montana-based community bank operating as a division of Glacier Bancorp, Inc., serving the greater Billings area through six branches. It provides FDIC-insured personal and business deposit accounts, real estate and consumer mortgage lending, commercial and agricultural loans, SBA loans, treasury management services, and merchant card processing. Customers are served via branches, online and mobile banking, and telephone banking.
Product overview
Western Security Bank is a community bank headquartered in Billings, Montana, operating as a division of Glacier Bancorp. The bank offers a comprehensive suite of banking products and services organized around personal and business banking categories. Personal banking includes Totally Free Checking, Personal Savings, Real Estate Loans (conventional, FHA, VA, RD, and construction mortgages), Personal Loans (auto, boat, RV), Home Equity Lines of Credit, Credit Builder Loans, Traditional and Roth IRAs, Personal Debit/Credit Cards, Mobile Banking with check deposit, and eStatements. Business banking encompasses Totally Free Business Checking, Simply Business Checking, Commercial Checking, Business Savings, Money Market, CDs, Business Loans (revolving credit, equipment, commercial real estate, SBA loans, construction, agricultural), Merchant Solutions (via Heartland), Treasury Management services (ACH, wire transfers, Positive Pay, Remote Deposit Capture, QuickBooks Integration), and Business Debit/Credit Cards. The bank also provides educational programs (Financial Foundations, Good Grades Pay), community grants (Hands of Hope), and account switching tools (Switch Kit). Digital banking is delivered through online platforms and mobile apps for iOS and Android, with merchant payment processing powered by Heartland.
Differentiator
Problem solved
Functional benefit
Products and services
- Totally Free Checking
- Traditional IRA
- Roth IRA
- Real Estate Loans
- Personal Loans
- Totally Free Business Checking
- Simply Business Checking
- Commercial Checking
- Business Savings Account
- Business Money Market
- Business Certificate of Deposit
- Business Health Savings Accounts
- Business Loans
- Cash Management Services
- Positive Pay
- Insured Cash Sweep (ICS)
- CDARS
- Remote Deposit Capture
- Mobile Remote Deposit Capture
- Online Business Banking
- Personal Online Banking
- Mobile Banking
- eStatements
- Personal Debit Cards
- Business Debit Cards
- Personal Credit Cards
- Business Credit Cards
- Merchant Solutions
- SmartPay Express
- Travel Card Controls
Companies that use Western Security Bank
Customer profileSegments4 records
Ideal customer profiles2 records
Western Security Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature3 records
Western Security Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Heartland Payment SystemscorePayment processing partnership providing point-of-sale solutions, merchant services, and card processing for business customers. Heartland enables Western Security Bank to offer Accept All the Ways Your Customers Prefer to Pay solutions including online, restaurant, retail, and mobile payments.
- First National Bank of Omaha (FNBO)coreCredit card issuance partnership where FNBO issues Visa credit cards under Western Security Bank branding including Maximum Rewards, Complete Rewards, Platinum Edition, and BucksBack Secured cards. Bank earns interchange on card transactions.
- Glacier Bancorp, Inc.coreWestern Security Bank operates as a division of Glacier Bank, a subsidiary of Glacier Bancorp, Inc. Parent company provides institutional infrastructure, technology platforms, and brand affiliation while the division maintains local community banking identity.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Western Security Bank competitors and assessment
Company assessmentDirect peers
- First Interstate BancSystem, Inc. Largest Montana-based community bank holding company, publicly traded on NASDAQ (FIBK), operating across MT, WY, ID, OR, WA, ND, SD, and NE. Directly competes with WSB in Billings and across Montana, with a similar multi-division community banking model, deposit gathering, and small business / ag lending focus.
- Stockman Bank of Montana: Major Montana-based community bank, privately held, headquartered in Miles City with a significant Billings presence. Offers comparable personal, business, and agricultural banking products to WSB, competing head-to-head for the same local deposit base and loan relationships in Yellowstone County.
- Yellowstone Bank: Montana-based community bank also serving the Billings market with personal and business banking products. Direct in-market competitor with overlapping branch geography and similar target customers in Yellowstone County.
- First Security Bank of Malta: Montana community bank division under Glacier Bancorp serving north-central Montana. Sister division to WSB within the same holding company structure, with an essentially identical product set, technology platform, and community banking model — the most structurally comparable peer to WSB.
- Valley Bank of Helena: Helena-based community bank division under Glacier Bancorp serving Montana's capital region. Sister division to WSB with identical product lineup, regulatory framework, and operating model — directly comparable in scale, services, and target customer segments.
- Citizens State Bank: Montana-based community bank with branches across rural Montana, offering personal and business banking services similar to WSB. Competes for the same relationship-based banking customers and small business deposits in Montana markets adjacent to WSB's footprint.
- First Montana Bank: Montana-based community bank with a focus on personal and small business banking in Montana markets. Comparable in scale and product offerings to WSB, competing for similar local customers and small business relationships across the state.
Broad incumbents
- Glacier Bancorp, Inc. Publicly traded parent holding company (NASDAQ: GBCI) of Western Security Bank and 18 other community bank divisions across the Rocky Mountain states and Texas. Operates the broader community banking platform that WSB is part of, with materially greater scale (~$26B+ in assets) and geographic breadth.
Regional players
- Mountain West Bank: Idaho-headquartered regional community bank serving Idaho, Utah, and Nevada with personal and business banking products comparable to WSB. Similar community banking model but different geographic footprint — useful comparable for understanding WSB's regional growth runway.
Emerging players
- Whitefish Credit Union: Large Montana credit union headquartered in Whitefish with growing statewide presence, including branches near the Billings area. Competes for the same retail deposit and consumer lending customers as WSB but operates under a cooperative member-owned structure rather than a commercial banking model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Western Security Bank social profiles
Digital presenceWestern Security Bank compliance and trust
Trust signalCompliance1 record
Western Security Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Western Security Bank leadership team
Management profileNumber of profiles
Profiles22 records
Western Security Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Western Security Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Western Security Bank
What does Western Security Bank do?
Western Security Bank is a Montana-based community bank operating as a division of Glacier Bancorp, Inc., serving the greater Billings area through six branches. It provides FDIC-insured personal and business deposit accounts, real estate and consumer mortgage lending, commercial and agricultural loans, SBA loans, treasury management services, and merchant card processing. Customers are served via branches, online and mobile banking, and telephone banking.
Is Western Security Bank a public or private company?
Western Security Bank is a private company. It is classified as corporate owned and is currently operating.
When was Western Security Bank founded?
Western Security Bank was founded in -1. It employs 101 to 250 people.
Where is Western Security Bank based?
Western Security Bank is headquartered in Billings, United States, in the North America region.
How does Western Security Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are fee Income, credit Card Operations and merchant Services.
Who are Western Security Bank's main competitors?
Direct peers on record are First Interstate BancSystem, Inc., Stockman Bank of Montana, Yellowstone Bank, First Security Bank of Malta, Valley Bank of Helena, Citizens State Bank and First Montana Bank. Glacier Bancorp, Inc. is listed as a broad incumbent. Mountain West Bank is listed as a regional player. Whitefish Credit Union is listed as an emerging player.
Does Western Security Bank have an API?
No public API is recorded for Western Security Bank.