Scottsdale Community Bank

What Scottsdale Community Bank does

Scottsdale Community Bank is a privately held, FDIC-insured community bank headquartered at 8767 E. Via de Ventura in Scottsdale, Arizona, serving small and midsize businesses, nonprofit organizations, professional service firms, and individual consumers in the Phoenix metropolitan area. The bank offers a full suite of deposit products (checking, savings, money market, CDs, IRAs, HSAs), a comprehensive lending portfolio (commercial real estate, construction, SBA, working capital, lines of credit, equipment financing, residential mortgages, home equity, and personal loans), and treasury management services (cash management, ACH origination, remote deposit, wire transfers, positive pay). It also operates a Specialized Client Group Banking sub-brand targeting nonprofits, healthcare practices, law firms, title companies, condo/HOAs, and private/family offices with sector-tailored products.

Name

Scottsdale Community Bank

Legal name

Scottsdale Community Bank

Website

https://scottsdalecommunitybank.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Wealth Lending & Margin / Securities-Backed Lines (Retail) (FSAAAAAN)

Keywords

• Community banking services
• Small business lending
• Commercial real estate loans
• Personal banking products
• SBA lending

Headquarters

HQ city

Scottsdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including commercial real estate, construction, SBA loans, residential mortgages, home equity loans, and personal loans. Interest income from business and consumer lending represents the core banking revenue.
2. Fee-Based Income: Revenue from account service fees, wire transfer fees, ATM fees, overdraft fees, and other banking service charges. Also includes fee income from services like merchant services, cash management, and treasury management.
3. Credit Card Interchange: Revenue from credit card transactions through Mastercard partnership, including interchange fees on card usage.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Scottsdale Community Bank is a locally owned community bank that takes deposits and makes loans to small and midsize businesses, individual consumers, and specialized client groups such as nonprofits, healthcare practices, law firms, title companies, CPAs, and condo/HOA associations. Its offerings span business and personal checking, savings, money market, CDs, IRAs, and HSAs; commercial real estate, construction, SBA, working capital, equipment, and lines of credit loans; personal loans, mortgages, and home equity lending; plus cash management, Mastercard debit/credit cards, and digital banking services.

Product overview

Scottsdale Community Bank operates as a traditional community bank offering a comprehensive suite of financial products and services. The core offering includes business and personal deposit accounts (checking, savings, money market, CDs, IRAs), business and consumer lending (commercial real estate, construction, working capital, mortgages, personal loans), and digital banking platforms. The product architecture follows a platform-plus-modules approach where the foundational deposit/loan products are supplemented by value-added services including Online & Mobile Banking (core digital platform), Cash Management Services (business treasury management), Financial Calculators suite, Zelle P2P Payments, and Specialized Client Group Banking for sectors like nonprofits, healthcare, legal, and title companies. Additional modules include Mobile Deposit Anywhere, Identity Theft Protection, Security Education, and insurance sweep services (ICS/CDARS). The bank positions itself on local decision-making and personalized service for small and mid-sized businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking & Savings Accounts Deposit accounts for businesses including Truly Free Checking (no monthly service fees), Small Business and Commercial Checking (with analysis), Business and Premium Savings, Business Money Market, and Certificates of Deposit. Designed for locally operated businesses in Scottsdale and surrounding markets.
• Personal Checking, Savings, Money Market, CDs, IRAs, and HSA Accounts Personal deposit products including Checking, Savings, Money Market, Certificates of Deposit, Individual Retirement Accounts, and Health Savings Accounts. Targeted at individual consumers in the Scottsdale market.
• Business Loans and Lines of Credit Working capital loans, operating lines of credit, SBA loans, equipment financing, and corporate credit cards for small and midsize businesses, plus letters of credit. Includes SBA 504 program options for owner-occupied commercial real estate.
• Construction Lending Construction Only Loans and Construction Permanent Loans for residential, multi-family, commercial, and industrial properties. Targeted at developers and business borrowers building or developing real estate.
• Income Producing Real Estate Loans Investment property financing for rental houses, apartments, office buildings, industrial buildings, retail centers, churches, condos, and hotels. Targeted at real estate investors.
• Owner Occupied Commercial Real Estate Loans Financing for purchasing, expanding, or acquiring commercial real estate for business use, including SBA 504 loan program options for owner-occupied properties. Targeted at small and midsize business owners.
• Personal Loans, Residential Mortgages, and Home Equity Lending Personal loans, residential mortgages, residential construction loans, home equity loans, and home equity lines of credit for individual consumers.
• Cash Management Services Treasury management services for business clients including remote deposit capture, ACH origination, wire transfers, account analysis, business analysis accounts, and master escrow analysis. Designed for businesses and verticals with complex treasury needs.
• Mastercard Debit and Credit Cards Mastercard-branded debit and credit cards with EMV chip security, fraud protection, mobile card controls via MyCardRules, and worldwide acceptance. Credit cards carry no annual fees, a 25-day grace period, low variable interest rates, and no default rate.
• Specialized Client Group Banking Tailored banking solutions for specific verticals including nonprofit organizations, healthcare practices (dentists/physicians), law firms, title companies and escrow agents, condo/HOA associations, and high net worth/private and family office clients. Each program includes vertical-specific deposits, lending, treasury, and concierge services.
• Insured Cash Sweep (ICS) and CDARS CDs ICS for business and personal accounts and CDARS CDs for personal accounts spread deposits across a network of participating banks to provide FDIC insurance coverage beyond the standard $250,000 per-depositor limit.

Quantifiable outcome

• 64.5% real estate loan growth

Segments9 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Scottsdale Chamber of CommerceminorGTM or Marketing PartnerScottsdale Community Bank is a proud member of the Scottsdale Chamber of Commerce, providing visibility and access to the local business network.
• American Bankers Association (ABA)minorOthersBank is a member of the American Bankers Association, the largest banking trade association in the United States.
• Arizona Bankers AssociationminorOthersBank is a member of the Arizona Bankers Association, representing community banks at the state level.
• MastercardcoreTechnology or IntegrationScottsdale Community Bank issues Mastercard credit and debit cards, providing card products to customers with worldwide acceptance, fraud protection, and EMV chip security.
• FDIC (Federal Deposit Insurance Corporation)coreOthersFDIC insurance backs deposits at Scottsdale Community Bank, providing deposit insurance up to $250,000 per depositor.
• Consumer Financial Protection Bureau (CFPB)coreOthersThe CFPB's mission is to make markets for consumer financial products work for Americans, providing consumer protection oversight.
• ZellecoreTechnology or IntegrationScottsdale Community Bank offers Zelle P2P payment service for fast, safe money transfers between friends, family, and trusted parties using email or mobile number.
• SBA (Small Business Administration)coreOthersBank offers SBA loan products including SBA 504 loans for owner-occupied commercial real estate, providing government-backed lending options for small businesses.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Nicolet National Bank: Midwestern community bank focused on commercial lending, SMB banking, and wealth services. Comparable in relationship-led commercial banking model and full-service product suite (deposits, lending, treasury).
• Pacific Premier Bancorp: Public community banking franchise built through acquisitions across the Western U.S., serving SMBs, professionals, and niche industries. Comparable in community banking model, deposit gathering, and CRE/specialty lending, though larger and geographically broader.
• Bell Bank: Employee-owned, privately held community bank operating multiple branches with a relationship-led model serving SMBs, consumers, and niche verticals. Closely comparable to Scottsdale Community Bank in private, locally owned structure and SMB/community banking focus.
• Glacier Bancorp: Multi-state community bank holding company with a decentralized model of locally branded community banks across the West and Midwest. Highly comparable to Scottsdale Community Bank in community banking approach and geographic footprint, though at much larger scale.
• Stearns Bank: Privately held community bank with specialty lending focus including SBA, CRE, and niche commercial banking. Comparable to Scottsdale Community Bank in private, for-profit structure and SBA/CRE lending emphasis.
• CVB Financial Corp (Citizens Business Bank): California-based community banking franchise focused on SMBs, commercial banking, and specialty verticals including healthcare and nonprofits. Closely mirrors Scottsdale Community Bank's commercial and vertical banking model.
• Live Oak Bancoshares: Public community bank with a nationally recognized SBA and small business lending franchise. Comparable to Scottsdale Community Bank in SMB lending orientation and SBA loan origination focus, with more specialized vertical banking.
• Westamerica Bancorp: California-focused community bank holding company with a branch network serving SMBs and consumers. Comparable in traditional community banking model with deposit-taking and commercial lending, though at a much larger scale.

Broad incumbents

• Cullen/Frost Bankers (Frost Bank): Texas-based community bank holding company known for relationship banking, conservative underwriting, and strong SMB/commercial franchise. Comparable in community banking philosophy and commercial lending focus, but substantially larger and operating across multiple Texas metros.
• Western Alliance Bancorp: Phoenix-headquartered bank holding company with a network of community banking brands (including in Arizona) serving SMBs and specialty verticals. Comparable to Scottsdale Community Bank in geography and SMB/vertical banking focus, but at materially larger scale and publicly traded.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/scottsdalecommunitybank
• LinkedInlinkedin.com/company/scottsdale-community-bank
• Instagraminstagram.com/scottsdalecommunitybank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Scottsdale Community Bank