The Foothills Bank

What The Foothills Bank does

The Foothills Bank is a community bank founded in 1997 by Hank Schechert in Yuma, Arizona, and currently operating as a division of Glacier Bank, which is wholly owned by Glacier Bancorp, Inc. (NASDAQ: GBCI). It serves consumers and small-to-mid-size businesses across Arizona through 15 physical branches in Yuma, Prescott, Casa Grande, Phoenix, Kingman, Lake Havasu City, Flagstaff, and Tucson, supported by 230+ employees and a statewide online and mobile banking platform.

The product portfolio spans personal banking (multiple checking tiers, savings, money market, CDs, HSA, IRAs, mortgage loans including a Medical Professionals program, HELOC, vehicle loans, and credit builder loans), business banking (Totally Free Business Checking, Simply Business Checking, Commercial Checking with earnings credit, business savings and HSA, commercial real estate and construction loans, agricultural loans, equipment term loans, SBA loans, and lines of credit), and fee-based services (Treasury Management for payables/receivables/fraud protection/sweep solutions, merchant payment processing via Heartland, and personal and business credit cards issued through FNBO). Underlying technology is standard community-bank infrastructure — a 24/7 web banking platform, iOS/Android mobile apps with mobile check deposit (up to $3,500/day, $7,000/month) and a 6:00pm MST cut-off, an online loan payment portal powered by ProfitStars, Visa network processing, and free ATM access across the Glacier Family of Banks network.

Revenue is generated primarily through net interest income on the loan portfolio (mortgage, commercial real estate, agricultural, equipment, consumer, credit builder), supplemented by deposit account fees, interchange and interest from credit card receivables via the FNBO partnership, merchant payment processing fees through Heartland, and treasury management service charges. Pricing is structured around accessible entry-level products (free personal and business checking with no minimum balance) with tiered commercial checking ($10 monthly maintenance, $0.10 debit, $0.25 credit, $0.10 deposited item) and usage-based fees ($0.50 per item over the free threshold, 0.12% on excess cash over $10,000). Distribution is relationship-driven, with named local mortgage and commercial lenders in each market supported by community engagement and a dedicated career pipeline under the Glacier Bancorp umbrella.

Name

The Foothills Bank

Legal name

Foothills Bank

Website

https://foothillsbank.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

The Foothills Bank is an Arizona community bank (founded 1997, headquartered in Yuma) operating as a division of Glacier Bank under Glacier Bancorp, serving consumers and small-to-mid-size businesses across 15 branches statewide with personal banking, commercial lending, treasury management, and merchant services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

akta.pro secondary industry

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

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Mortgage loans
• Treasury management

Headquarters

HQ city

Yuma

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. Interest Income from Loans: Primary revenue stream from interest earned on mortgage loans, commercial loans, personal loans, agricultural loans, and credit builder loans. Loans include commercial real estate, construction, equipment term loans, and lines of credit.
2. Deposit Account Fees: Fees from various checking and savings accounts including monthly service charges for accounts below minimum balance thresholds, with many accounts offering free checking with no monthly fees.
3. Credit Card Revenue: Revenue from Visa Business Cards and Personal Credit Cards issued through FNBO partnership, including interchange fees and interest on revolving balances.
4. Merchant Payment Processing: Fees collected through Heartland partnership for payment processing services provided to business merchants, including point-of-sale transactions and online payments.
5. Treasury Management Services: Fees for business banking services including ACH credits, wire transfers, check positive pay, ACH positive pay, lockbox services, and sweep solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Foothills Bank is a community bank that accepts consumer and business deposits, originates personal and commercial loans (mortgage, HELOC, vehicle, credit builder, SBA, commercial real estate, construction, agriculture, equipment, lines of credit), provides treasury management and merchant payment processing to businesses, and issues Visa debit and credit cards. Products and services are delivered through 15 Arizona branches, online and mobile banking, ATMs, and telephone banking.

Product overview

Foothills Bank is a community bank serving Arizona, operating as a division of Glacier Bank (owned by Glacier Bancorp, Inc.). The bank's product portfolio is organized around personal banking, business banking, and digital banking services. Personal banking includes multiple checking account tiers (Totally Free Checking, Easy Interest, 50+ Interest, Premier Interest Checking) with free debit cards and online/mobile banking, plus savings options (Personal Savings, Money Market, CDs, Health Savings Accounts), retirement accounts (Traditional IRA, Roth IRA), personal loans (HELOC, Vehicle Loans, Credit Builder), credit cards through FNBO, mortgage loans with a specialized Medical Professionals program, and telephone banking. Business banking encompasses checking accounts (Totally Free, Simply Business, Commercial), business savings and HSA options, commercial lending (Real Estate, Construction, Agriculture, Equipment, Lines of Credit, SBA), VISA Business Cards and debit cards, Treasury Management services (Payables, Receivables, Fraud Protection, Funds Management), and Merchant Payment Processing via Heartland. Digital banking is delivered through Online Banking, Mobile Banking App, Bill Pay, eStatements, Financial Calculators, and an Online Loan Payment Portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking accounts for individual consumers, including a Totally Free Checking option with no minimum balance and no monthly service charge, plus additional tiers (Easy Interest, 50+ Interest, Premier Interest) that include a free VISA debit card, online banking, bill pay, mobile banking with check deposit, and eStatements.
• Personal Savings Accounts Personal savings, money market, certificates of deposit, and health savings accounts for individual consumers, offering competitive interest rates, FDIC insurance, and tiered pricing on money market balances.
• Retirement Accounts (Traditional and Roth IRA) Individual Retirement Accounts including Traditional IRA with tax-deductible contributions and tax-deferred growth, and Roth IRA with after-tax contributions and tax-free qualified distributions, for individual retirement savers.
• Mortgage Loans Home financing for consumers including Conventional, Non-conforming (Jumbo), Adjustable Rate Mortgages, FHA, VA, USDA, Residential Lot Loans, Investment Property, First Time Home Buyer, and In-House Portfolio options, processed and underwritten locally by Arizona-based mortgage lenders.
• Medical Professionals Mortgage Loan Program Specialized mortgage program for physicians, dentists, and other medical professionals (including residents, interns, and fellows) with up to 100% financing, no PMI on loans up to $806,500, and flexible options up to $2 million.
• Personal Loans (HELOC, Vehicle, Credit Builder) Personal credit products for consumers including a Home Equity Line of Credit (revolving credit line using home equity), Vehicle Loans for new and used cars, trucks, RVs, boats, and other vehicles, and a Credit Builder Loan of $500-$2,000 over 24-36 months designed to establish or repair credit.
• Personal Credit Cards Personal credit cards issued through First National Bank of Omaha (FNBO) including Maximum Rewards Visa Signature, Platinum Edition Visa, Complete Rewards Visa Signature, and BucksBack Secured Visa, distributed by Foothills Bank to its consumer customers.
• Business Checking Accounts Business checking accounts for small and mid-size businesses in three tiers: Totally Free Business Checking (200 free items per cycle, no monthly fee), Simply Business Checking (up to 500 free items per cycle, $0.50 excess item fee), and Commercial Checking with earnings credit that can offset monthly service charges.
• Business Savings and Money Market Accounts Business savings, business money market, and business health savings accounts for commercial customers, offering competitive interest rates, with monthly service charges triggered when balances fall below stated thresholds.
• Commercial Lending (Real Estate, Construction, Agriculture, Equipment, Lines of Credit, SBA) Commercial loan products for small and mid-size Arizona businesses including Commercial Real Estate Loans, Commercial Construction Loans, Agriculture Loans, Equipment Term Loans, Business Lines of Credit, and SBA-backed loans, underwritten by local commercial lenders across the bank's branch network.
• Treasury Management Services Suite of business cash management services for commercial customers, including Payables (Bill Pay, ACH, Wire Transfers, Business Credit Card), Receivables (ACH Debit, Remote Deposit, Merchant Services, Lockbox), Fraud Protection (Check Positive Pay, ACH Positive Pay, Security Controls), and Funds Management (FDIC Insured Solutions, Sweep Solutions, Collateralized Solutions).
• Merchant Payment Processing Payment processing services for business merchants provided through the Heartland (Global Payments) partnership, supporting in-person, online, restaurant, retail, and mobile payments with POS solutions (Register, Terminal+, Mobile Pay) and Heartland Secure fraud protection.
• VISA Business Cards Business credit cards issued through the Visa network for business customers, featuring cash back rewards, Visa Zero Liability fraud protection, and points earning on purchases, distributed to Foothills Bank's business customers.
• VISA Debit Cards (Personal and Business) Personal and business VISA debit cards with chip technology for purchases anywhere debit or credit cards are accepted, with fee-free access to Glacier Family of Banks ATMs across the Western U.S.; business debit cards support issuance to employees with customizable purchase and withdrawal limits.

Quantifiable outcome

• Recognized as Top 3 in midsized companies on Top Companies to Work for in Arizona 2024 list
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• State Bank of Arizona (merged)coreStrategic or Co-development Partner · 1 January 2020State Bank of Arizona and its Mohave State Bank and Country Bank brands joined Foothills Bank in 2020 through a merger. This partnership more than doubled Foothills Bank's footprint across Arizona and brought additional community bank cultures focused on local decision-making and personalized service.
• Heartland Payment Systems (Global Payments)coreTechnology or IntegrationFoothills Bank has partnered with Heartland, a Global Payments company, to offer innovative payment and point-of-sale solutions for business merchants. Heartland provides comprehensive payment processing including point-of-sale systems, mobile payments, fraud protection through Heartland Secure, and PCI compliance. The partnership enables Foothills Bank to offer merchant services to business customers.
• First National Bank of Omaha (FNBO)coreChannel Partner/ Reseller/ DistributorFoothills Bank partners with FNBO to offer personal and business credit cards including Maximum Rewards Visa Signature, Platinum Edition Visa, Complete Rewards Visa Signature, and BucksBack Secured Visa cards. FNBO issues the cards while Foothills Bank provides distribution to its customers.

Scale indicators3 records

Recent moves10 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks2 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/foothillsbank
• LinkedInlinkedin.com/company/the-foothills-bank
• Instagraminstagram.com/foothillsbank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 The Foothills Bank