Northwest Bank

What Northwest Bank does

Northwest Bank is an Idaho-chartered community bank founded in 2008 in Boise and operating as a wholly-owned subsidiary of Western Capital Corporation. The bank serves small and medium-sized businesses, entrepreneurs, professionals (including medical and dental practices), commercial real estate developers, community associations, 1031 exchange facilitators, nonprofits, and individual consumers across the Pacific Northwest. Six physical branches span Boise, Coeur d'Alene, Nampa (Idaho), Lake Oswego (Oregon), Salt Lake City/Cottonwood Heights (Utah), and Seattle (Washington), augmented by a Commercial Online and Mobile Banking platform, consumer digital banking, and the MoneyPass ATM network.

The product platform centers on deposit accounts, SBA 7(a) and 504 lending under the bank's SBA Preferred Lender designation, commercial and industrial lending, commercial real estate and construction lending, treasury management, and consumer and business credit cards. Treasury management modules include ACH origination, wire transfers, bill pay, remote deposit capture, merchant services, lockbox, zero balance accounts, and loan sweeps. Fraud prevention is delivered through Fiserv-powered Secure Browser, software-token authentication, Check Positive Pay, ACH Positive Pay, and ACH Blocks. Business credit cards are issued in partnership with ServisFirst Bank and managed through the SpendTrack platform with QuickBooks export.

Northwest Bank earns revenue primarily from net interest income on its lending portfolio (commercial, CRE, SBA, and consumer) plus transaction and service fees from deposit accounts, treasury management, wires, ACH, credit card interchange, and merchant services. Distribution is relationship-led, with local relationship managers, treasury management officers, and SBA specialists providing customized solutions supported by centralized digital tools. The bank is not publicly traded; in November 2025 Morningstar DBRS assigned it an investment grade BBB Long-Term Issuer Rating, and in December 2025 its parent raised $55 million of 6.875% senior unsecured notes due 2030 in a private placement.

Name

Northwest Bank

Legal name

Northwest Bank

Website

https://northwest-bank.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

Northwest Bank is a privately held, Idaho-chartered community bank founded in 2008 that serves small and medium-sized businesses, entrepreneurs, professionals, nonprofits, and consumers across the Pacific Northwest through six branches and a digital banking platform, with SBA lending, treasury management, and specialty services such as 1031 exchanges and HOA banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industry

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

Keywords

• Community banking services
• Commercial lending
• SBA preferred lending
• Treasury management services
• Business banking solutions

Headquarters

HQ city

Boise

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest earned on commercial and industrial loans, commercial real estate loans, construction lending, SBA loans, and consumer loans. The bank serves as an SBA Preferred Lender providing small business financing.
2. Deposit Account Fees and Services: Fees from business checking and deposit accounts, treasury management services, wire transfers, ACH origination, lockbox services, and merchant services. Also includes ATM network access revenue.
3. Credit Card Revenue Share: Partnership with ServisFirst Bank to offer Visa credit cards. Revenue generated through interchange fees, annual fees, and merchant transaction fees on personal and business credit cards.
4. Treasury Management Services: Cash management solutions including accepting/collecting payments, making/disbursing payments, and funds management. Includes ACH services, wire transfers, bill pay, zero balance accounts, and loan sweeps.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Northwest Bank is a privately held community bank providing commercial and consumer banking services to small and medium-sized businesses, professionals, nonprofits, and individuals across the Pacific Northwest. Its core offerings include commercial and industrial lending, commercial real estate and construction lending, SBA Preferred Lender financing, treasury and cash management services, fraud prevention tools, and Visa credit cards (business and personal) issued through a ServisFirst Bank partnership. The bank delivers these products through six branches in Idaho, Oregon, Washington, and Utah, supplemented by 24/7 online and mobile banking on a Fiserv-powered platform.

Product overview

Northwest Bank is a community bank offering a unified portfolio of commercial and consumer banking products centered on its Commercial Online Banking platform. The core platform provides account access, payments, and treasury management, augmented by specialized add-on modules including fraud prevention tools (Check Positive Pay, ACH Positive Pay, ACH Blocks, Secure Browser), payment processing (ACH Services, Wire Transfers, Bill Pay, Remote Deposit Capture, Merchant Services, Lockbox), cash management (Zero Balance Accounts, Loan Sweeps), credit cards (Business and Personal Visa cards through ServisFirst Bank partnership, SpendTrack management platform), and specialized lending (SBA Lending, 1031 Exchange, Specialized Escrow). The bank positions itself as an SBA Preferred Lender with additional branch locations across Idaho, Oregon, Washington, and Utah.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Online Banking Comprehensive digital banking platform for commercial customers providing 24/7 account access with balance and deposit tracking, wire transfers, stop payments, bill pay, funds transfers and ACH originations, loan payments, and online statements and check images.
• Commercial Online Banking Mobile App Mobile application providing commercial customers with secure, complete banking tools on Apple iOS and Android devices, including bill pay in mobile (launched February 2022) and ongoing system upgrades through April 2024.
• ACH Services Electronic payment solution enabling businesses to initiate ACH disbursements including direct deposit and vendor payments, maintaining control over payment timing and simplifying accounts payable management.
• Wire Transfer Services Domestic and international wire transfer capability allowing businesses to initiate wires safely online from their office for faster transfer and availability of funds.
• Bill Pay Online bill payment service allowing businesses to pay any vendor from their account, schedule recurring payments such as rent or equipment leases, reduce paper checks, and add new billers by company name through Quick-Add. A version for the Commercial Online Banking mobile app was launched in February 2022.
• Remote Deposit Capture Stand-alone technology for scanning and depositing checks directly and securely into business accounts without leaving the office. Designed for volume scanning, provides 24/7 access, same-day credit for scans by 5 p.m. Pacific, and supports multiple users scanning to multiple accounts.
• Merchant Services Payment processing services including authorization and capture on all major credit cards, customized statements, 24/7 help desk support, secure web-based reporting, gift card and loyalty products, debit and EBT processing, and e-commerce/internet processing.
• Lockbox Service Service that reduces time to receive, process, and post payments by allowing customers to mail payments to a centralized address, reducing staff time, removing fraud risk, and accelerating posting of deposits to accounts.
• Zero Balance Accounts (ZBA) Accounts that automatically link multiple business accounts such as payroll and disbursement accounts, allowing operating accounts to be funded from or concentrated into a single account for simplified reconciliation and improved disbursement, collection, and cash flow control.
• Loan Sweeps Automated service that moves funds from an operating account to pay down lines of credit, automatically reducing interest expense and maximizing interest opportunity for high-volume, high-deposit customers.
• Check Positive Pay Fraud detection tool providing early detection of fraudulent, altered, or counterfeit checks by comparing presented checks against information provided by the customer, enabling review of exceptions for pay or return decisions.
• ACH Positive Pay Protection against unauthorized electronic activity through the ACH network that allows pay or no-pay decisions on ACH transactions identified as exceptions, with automated email notifications for ACH activity requiring attention.
• ACH Blocks Service for accounts with minimal external ACH transfer needs that automatically rejects all ACH requests, with temporary unblocking available by calling the banker when an ACH transaction is needed.
• Business Platinum Benefits Card Visa business credit card offered through the ServisFirst Bank partnership with $79 per cardholder annual fee for businesses with lower spending needs (50 or fewer cardholders), 1% cash back on qualifying purchases up to $100,000 annually, and 24/7 online expense management.
• Business Cash Back Rewards Card Visa business credit card with $25 annual fee per cardholder earning cash back rebate on all purchases, with features for improving efficiency, reducing costs, and increasing visibility into expenses and procurement through real-time spend controls.
• Commercial Purchasing Card Business credit card for organizations with 50+ cardholders requiring greater control, offering unlimited cardholders, pre-set velocity restrictions down to individual cardholders, real-time spend monitoring, MCC restrictions, and enhanced reporting through the SpendTrack platform.
• SpendTrack Online credit card management solution for businesses providing real-time credit card controls, transaction details, statement access, payment capabilities, spend analytics, and QuickBooks export for accounting integration.
• Personal Platinum Benefits Card Visa personal credit card with no annual fee, competitive rates, and 0% intro APR on purchases for the first 7 billing cycles after account opening, managed online through consumer.cardservices.bank with worldwide Visa acceptance.
• Personal Cash Back Rewards Card Visa personal credit card with $35 annual fee and 1% cash back on every dollar spent with no cap on rewards for qualifying purchases, enabled for contactless and Mobile Wallet (Apple Pay, Google Pay, Samsung Pay) payments.
• CardValet Mobile application for managing credit cards on the go, available in the Apple App Store and Google Play, allowing users to activate cards, set PINs, and report lost or stolen cards.
• Mobile Deposit Capture Service enabling customers to make check deposits directly into eligible checking or savings accounts using the Northwest Bank mobile app by scanning checks with their mobile device camera, with default daily limits of $2,500 per item and $5,000 per business day.
• SBA Lending SBA 7(a) and 504 lending programs offered under the bank's SBA Preferred Lender status, enabling guidance through qualification and faster, easier decisions than non-preferred lenders for small business financing, business acquisition, real estate, and operating capital.
• Business Lending Commercial and industrial lending products including credit lines, term loans, letters of credit, equipment financing, working capital lines, and acquisition financing for middle-market and commercial businesses.
• Commercial Real Estate Lending Commercial real estate loans for property acquisition, refinance, and development across the Pacific Northwest, including investor and owner-occupied property financing.
• Construction Lending Construction financing for commercial builders and developers, supporting projects from acquisition and development through build-out, with regional Pacific Northwest market expertise.
• Business Checking and Deposit Accounts Business checking and deposit accounts with associated services including wire transfer, ACH origination, and treasury management features for commercial clients.
• 1031 Exchange Services Specialized services for 1031 tax-deferred exchanges, allowing real estate investors to sell one property and reinvest in another while deferring tax exposure, with structured escrow support.
• Specialized Escrow Accounts Escrow account services for various purposes including property transactions, community association deposits, and 1031 exchanges, allowing funds to be held securely with controlled disbursement based on agreed conditions.

Quantifiable outcome

• SBA Preferred Lender status enables faster, easier small business loan decisions compared to non-preferred lenders
• +2 more outcomes

Named customers3 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Morningstar DBRScoreOthers · 17 November 2025Credit rating agency that assigned investment grade ratings to Western Capital Corporation (BBB low) and Northwest Bank (BBB Long-Term Issuer Rating) in November 2025. The ratings support the company's $55 million senior unsecured notes offering.
• ServisFirst BankcoreTechnology or IntegrationNorthwest Bank partnered with ServisFirst Bank to offer Visa credit cards providing choice, convenience, worldwide acceptance and benefits. Cards include Platinum Benefits and Cash Back Rewards options for personal and business customers.
• FiservcoreTechnology or IntegrationTechnology provider for Commercial Online Banking platform. Fiserv provides Secure Browser, Software Token Client, and mobile banking applications. Version 22.1 security updates addressed security issues identified by Fiserv.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Heritage Financial Corporation: Olympia, Washington-based bank holding company operating Heritage Bank, with community banking focus across Washington, Oregon, and Idaho. Similar Pacific Northwest footprint and commercial banking emphasis makes it a directly comparable community bank peer.
• Banner Bank: Pacific Northwest-headquartered community bank with similar commercial and small business banking focus across Washington, Oregon, Idaho, and California. Comparable scale and customer mix to Northwest Bank, with strong SBA lending and relationship banking model.
• HomeStreet Bank: Seattle-based community bank serving Pacific Northwest markets with commercial, small business, and mortgage lending. Similar geographic concentration and community banking positioning makes it a directly comparable peer to Northwest Bank.
• Bank of Idaho: Idaho Falls-based community bank focused on Idaho and surrounding markets. Comparable regional community bank with similar SBA lending emphasis and relationship banking model in the Pacific Northwest.
• D.L. Evans Bank: Idaho-based community bank serving southern Idaho and Utah markets. Similar private community bank structure with relationship-based commercial and consumer banking focus in overlapping geography with Northwest Bank.

Broad incumbents

• Glacier Bancorp: Community banking holding company operating multiple bank subsidiaries across the Western United States, including Pacific Northwest markets. Similar community banking focus but operates as multi-bank holding company at substantially larger scale.
• Umpqua Bank: Larger Pacific Northwest regional bank headquartered in Portland, Oregon. Serves similar SMB and commercial customer base across overlapping geography but at significantly greater scale, making it a broader incumbent peer.
• First Interstate Bank: Community-focused regional bank with presence in Pacific Northwest and Mountain West markets. Comparable community banking DNA but larger scale and broader geographic footprint make it a broad incumbent peer.

Others

• ServisFirst Bancshares: Alabama-based bank holding company that operates ServisFirst Bank—Northwest Bank's credit card issuance partner. Comparable commercial banking franchise and shares a strategic partnership, making it an adjacent/ecosystem peer relationship.

Emerging players

• CVB Financial Corp: California-based community bank holding company operating Citizens Business Bank with similar commercial and small business banking focus. Comparable community bank profile and growth trajectory though different geographic focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/northwest-bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Northwest Bank