Citizens Community Bank

What Citizens Community Bank does

Citizens Community Bank (CCB) is a community bank division of Glacier Bancorp, Inc. (NASDAQ: GBCI), operating 8+ retail branches across Eastern Idaho — Pocatello (headquarters), Chubbuck, Idaho Falls, Ammon, Rexburg, St. Anthony, Ashton, and Island Park. The bank serves individual consumers, small-to-mid-sized businesses, and home buyers/owners in its geographic footprint, with a horizontally diversified product set spanning personal checking/savings/MMDA/CDs/HSAs/IRAs, personal loans and HELOCs, a full mortgage suite (conventional, FHA, VA, USDA, jumbo, ARM), business checking tiers, commercial and SBA loans, treasury management, merchant payment processing, and consumer Visa debit and credit cards (with personal cards issued through FNBO and merchant services through Heartland/Globe Payments).

The technology stack combines proprietary consumer-facing portals (CCB-Idaho mobile app for iOS/Android built on the shared Glacier Family of Banks platform, browser-based personal and business online banking, and an Insight Treasury portal for cash management) with third-party integrations including QuickBooks/Quicken direct connect, ProfitStars-powered online loan payment, mobile-wallet tokenization (Apple Pay/Samsung Pay/Google Pay), and the Allpoint ATM network providing 55,000+ surcharge-free ATMs. Treasury Management is the flagship business platform, delivering ACH origination, wire transfers, remote and mobile deposit capture, ACH and Check Positive Pay, zero-balance and loan sweep services, CDARS/ICS for elevated FDIC coverage, and hosted payment acceptance via SmartPay Express.

Revenue is generated primarily through net interest income on deposit and loan balances, transaction fees on treasury management and merchant processing, interchange on card transactions, and traditional banking service charges, complemented by a referral-driven and community-led go-to-market model that emphasizes local decision-making, in-person account opening with instant-issue debit cards, and a formalized Switch Kit to migrate customer relationships.

Name

Citizens Community Bank

Legal name

Citizens Community Bank

Website

https://ccb-idaho.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

101–250 employees

Short description

Citizens Community Bank is a community bank division of Glacier Bancorp (NASDAQ: GBCI), operating 8+ branches across Eastern Idaho and serving consumers, small-to-mid-sized businesses, and home buyers with checking, lending, mortgage, treasury management, merchant processing, and digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

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

akta.pro secondary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Community banking
• Personal banking
• Business banking
• Treasury management
• Consumer lending

Headquarters

HQ city

Pocatello

HQ country

United States

HQ region

North America

Offices8 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. Deposit Accounts: Traditional banking deposits including personal and business checking, savings, money market accounts, and certificates of deposit that generate revenue through interest rate spreads.
2. Commercial and Business Loans: Commercial lending including lines of credit, construction loans, SBA loans, and other business financing products.
3. Real Estate Lending: Residential mortgage lending including first-time home buyer programs, conventional, FHA, VA, USDA Rural Development, and jumbo loans with local processing and underwriting.
4. Personal Lending: Auto loans, home equity lines of credit (HELOC), unsecured term loans, personal lines of credit, overdraft protection, and credit builder products.
5. Merchant Payment Processing: Payment processing services for businesses through Heartland partnership, including point of sale, terminal, and mobile payment solutions.
6. Business Credit Cards: Visa Business Card program with rewards, cash back, and travel redemption options for business customers.
7. Personal Credit Cards: Consumer credit cards through FNBO partnership including Maximum Rewards, Complete Rewards, Platinum Edition, and BucksBack secured cards.
8. Treasury Management Fees: Fees for business cash management services including ACH origination, wire transfers, remote deposit capture, and Positive Pay services.
9. Service Fees: Various banking service fees including overdraft fees, monthly service charges on certain accounts when minimum balances are not maintained, and other traditional banking fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Citizens Community Bank delivers deposit accounts (checking, savings, money market, certificates of deposit) and lending products (consumer and business loans, mortgages) to individuals and businesses in Eastern Idaho. It also offers treasury management, merchant card processing, and digital banking services accessible via online and mobile channels. The bank operates as a division of Glacier Bancorp, Inc.

Product overview

Citizens Community Bank is a community banking division of Glacier Bancorp, Inc. (GBCI), serving Eastern Idaho through branches in Pocatello, Chubbuck, Idaho Falls, Ammon, Rexburg, St. Anthony, Ashton, and Island Park. The bank's product portfolio is organized around personal and business banking core products and an array of digital service modules. Personal banking centers on the Totally Free Checking account (and three interest-bearing checking variants: Easy Interest, 50+ Interest, and Premier Interest Checking), complemented by savings products including Personal Savings, Money Market, Certificates of Deposit, Health Savings Accounts, and IRAs (Traditional and Roth). Lending offerings span personal loans, HELOCs, and a comprehensive real estate/mortgage suite (conventional, FHA, VA, USDA, jumbo, ARMs). Business banking includes three checking tiers (Totally Free, Simply Business, and Commercial Checking), three savings variants, the Visa Business Tap Debit Card, Visa Business Credit Card with rewards, and Business Loans. Treasury Management is the flagship business services platform, integrating ACH Origination, Wire Transfers, Business Bill Pay, Remote Deposit Capture (scanner-based and mobile), ACH Positive Pay, Check Positive Pay, Sweep Services, CDARS, Insured Cash Sweep, SmartPay Express, and RemitPlus Express. Digital channels — Online Banking (personal and business), the CCB-Idaho mobile app (iOS/Android), Mobile Check Deposit, and Bill Pay — serve as the primary service delivery layer, connected to third-party platforms including QuickBooks (Online/Desktop), Quicken, Heartland payment processing, ProfitStars, Apple Pay, Samsung Pay, Google Pay, and the Allpoint ATM network. Supporting services include Telephone Banking, a Switch Kit, Financial Calculators, Financial Foundations education, a Security Center, and Community Involvement programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking and Savings Accounts Deposit accounts designed for individual consumers to hold funds, conduct everyday transactions, and earn interest, accessible through branches, online, and mobile banking.
• Business Checking and Savings Accounts Deposit accounts tailored for small and mid-sized businesses to manage operating funds, payroll, and cash balances.
• Consumer and Business Loans Credit products extended to individuals for personal financing needs and to businesses for operating, expansion, or commercial real estate purposes.
• Treasury Management Services Cash management tools for business customers designed to streamline payables, receivables, and liquidity management.
• Merchant Card Processing Payment processing service that enables business customers to accept debit and credit card transactions.
• Online and Mobile Banking Digital banking platforms that allow customers to view balances, transfer funds, pay bills, and manage accounts via web and mobile devices.
• Debit and ATM Cards Card-based access to deposit accounts, enabling point-of-sale purchases, ATM cash withdrawals, and account access.

Quantifiable outcome

• Up to $3,500 daily and $7,000 monthly mobile check deposit limits
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Heartland (Global Payments)coreTechnology or IntegrationCitizens Community Bank partnered with Heartland Payment Systems (now part of Global Payments, NYSE: GPN) to offer merchant payment processing solutions. Heartland provides point of sale systems, payment terminals, mobile payment processing, and merchant services to business customers of the bank. The partnership includes fraud protection through Heartland Secure and PCI compliance support.
• First National Bank of Omaha (FNBO)coreTechnology or IntegrationCitizens Community Bank partners with FNBO to offer personal credit cards including Maximum Rewards Visa Signature, Complete Rewards, Platinum Edition, and BucksBack Secured Visa cards. FNBO issues the cards pursuant to a Visa license.
• Allpoint NetworkminorChannel Partner/ Reseller/ DistributorCitizens Community Bank is a member of the Allpoint surcharge-free ATM network, providing customers access to over 55,000 ATMs worldwide without surcharges.
• VisacoreTechnology or IntegrationCitizens Community Bank issues Visa-branded debit and credit cards through its partnerships with Visa U.S.A. Inc. Cards include Visa Zero Liability Policy, contactless payment capabilities, and access to Visa's payment network globally.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Idaho Trust Bank: Idaho-chartered community bank with deposit, lending, and wealth management offerings serving Eastern Idaho markets — directly overlapping CCB's customer segments in a similar community banking model.
• First Security Bank of Bozeman: A sister division of Glacier Bancorp serving Montana with a similar community banking model, comparable product suite (deposits, loans, treasury management), and shared Glacier Family of Banks mobile app platform — providing the closest comparable operating structure to Citizens Community Bank.
• D.L. Evans Bank: Idaho-based, family-controlled community bank serving the Magic Valley and Treasure Valley with a similar branch-and-deposit-led model, comparable employee scale, and emphasis on local relationship banking — closely matched competitor within the state.
• Western Security Bank: Another Glacier Bancorp division operating in Montana with a community banking focus, parallel product menu, and shared holding company infrastructure — directly comparable in scale and operating model.

Regional players

• WaFd Bank (Washington Federal): Pacific Northwest community-oriented bank serving Idaho and surrounding states with a branch-based deposit model and similar mix of consumer and commercial lending — comparable in scale and operating approach though not headquartered in Idaho.
• Umpqua Bank: Pacific Northwest regional bank operating in Idaho and surrounding states with community banking positioning, comparable treasury management and SMB offerings, and similar customer segments — though anchored in Oregon.
• First Interstate BancSystem: Mountain West regional bank holding company operating across Idaho, Montana, Wyoming, and neighboring states — competes for the same customer base across Idaho markets with greater geographic diversification and a larger deposit franchise.

Broad incumbents

• U.S. Bancorp: Large national bank with material retail and commercial presence across Idaho; competes for the same consumer and SMB deposit and lending relationships as Citizens Community Bank but with substantially larger balance sheet, technology investment, and product breadth.
• Wells Fargo & Company: National bank with full Idaho retail and commercial presence, large digital banking platform, and competing for the same consumer and SMB banking relationships — useful scale benchmark even though substantially larger than CCB.
• Zions Bancorporation (Zions Bank): Major regional bank holding company with full-service banking operations throughout Idaho including Pocatello, Idaho Falls, and Rexburg — overlapping CCB's footprint with a much larger product platform (wealth, capital markets, treasury).

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ccbidaho
• LinkedInlinkedin.com/company/citizens-community-bank
• Instagraminstagram.com/citizenscommunitybank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Citizens Community Bank