Bridge Community Bank

Name

Bridge Community Bank

Legal name

Bridge Community Bank

Website

https://bridge.bank

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

Keywords

• Community banking services
• Personal deposit accounts
• Commercial lending products
• Agricultural lending services
• Business cash management

Headquarters

HQ city

Mechanicsville

HQ country

United States

HQ region

North America

Offices3 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 Account Fees: Monthly service charges on checking and savings accounts, overdraft and NSF fees ($20 per item, $80 max/day), dormant account fees, and various transaction fees including money orders, cashier's checks, and wire transfers.
2. Interest Income from Lending: Interest income generated from business/agricultural loans, home mortgages (first and second mortgages, home equity, construction), and personal/auto loans. Competitive rates offered to customers.
3. Fee-Based Services: Fees for safe deposit boxes, notary services, account research ($25/hr), check printing, statement copies, stop payments, wire transfers (incoming $10, outgoing $15, foreign $45), credit card services through MyCardStatement, and IRA/HSA account maintenance.
4. Student Loan Referral: Compensation received from ISL Education Lending for referral of student loan customers. Partnership with Sallie Mae for student loan products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Bridge Community Bank is a privately held, employee-owned community bank that provides FDIC-insured deposit products and consumer, mortgage, business, and agricultural lending to individuals, households, and small businesses in eastern Iowa. It also delivers digital banking services through iOS and Android mobile applications, a secure online banking portal, and integrated payment and card-security tools (ExcheQ and Shazam Brella). Its core footprint is three branch locations in Mount Vernon, Mechanicsville, and Solon, augmented by digital channels.

Product overview

Bridge Community Bank offers a comprehensive suite of traditional banking products organized as a single-platform financial institution with multiple account tiers and lending services. The core product portfolio includes Easy Checking (with six sub-account types: E-ssential, Bridge Club, Basic, N.O.W., Super N.O.W., and N.O.W. Account Plus offering interest-bearing and non-interest options), Personal Savings (Classic, Youth Don't Spend, Money Market, Money Market Plus, and Christmas Club accounts), Certificates of Deposit (terms from 9-48 months), and Individual Retirement Accounts with tiered interest rates. Lending products encompass Business/Ag Loans, Home Loans (first/second mortgages, home equity, construction), and Personal/Auto Loans. Business Banking services include Cash Management and Remote Deposit. Additional offerings include Mobile Banking apps (iOS/Android), Visa Platinum Credit Card, and supplementary services such as wire transfers, safe deposit boxes, and notary services. The bank operates three Iowa branch locations in Mechanicsville, Mount Vernon, and Solon.

Differentiator

Problem solved

Functional benefit

Brands

• Bridge Club: A membership account product that includes personalized checks, accidental death and dismemberment insurance, and free notary service.
• E-ssential
• ExcheQ
• Brella

Products and services

• Personal Checking (Easy Checking line) Personal checking accounts for individuals and households offering tiered minimum opening deposits, monthly service charges, interest-bearing options (N.O.W. tiers), free online banking and bill pay, and account-specific benefits such as Bridge Club membership perks including accidental death insurance.
• Personal Savings Accounts Personal savings vehicles for individuals and households, including standard interest-bearing savings, youth savings, money market accounts with tiered rates, and a Christmas Club account with restricted withdrawals at the end of the club period.
• Certificates of Deposit Time deposit products for individuals and businesses offering fixed-term interest rates between 2.90% and 3.48% APY across terms of 9, 12, 18, 30, and 48 months with minimum opening balances between $500 and $5,000.
• Individual Retirement Account (IRA) Retirement savings accounts for individuals with a $100 minimum opening balance, tiered interest rates from 1.00% to 1.71% APY based on balance, and a $50 annual fee for balances under $1,000. Early withdrawal penalties apply.
• Lending Services (Business, Agricultural, Home, Personal, and Auto Loans) Lending suite for individuals and businesses covering business and agricultural operating loans, first and second mortgages, home improvement loans, new construction financing, home equity loans, and personal and auto loans, marketed with competitive rates and fast response times.
• Business Banking (Cash Management and Remote Deposit) Business banking services for local small businesses including a checking account at $9/month, cash management for payroll direct deposit, wire transfer origination, automatic account reconciliation, payment collection from desktop, and remote desktop check deposit with next-day availability.
• Visa Platinum Credit Card Visa Platinum Credit Card offered to bank customers with applications processed through an external partner portal (mycommunitycc.com) and ongoing account access through MyCardStatement.com.
• Other Banking Services and Fees Ancillary banking services including cashier's checks ($8), wire transfers (incoming $10, outgoing $15, foreign $45), safe deposit boxes, notary services ($5), money orders ($3), stop payments, check printing, and account research ($25/hr).

Quantifiable outcome

• Next-day check availability with Remote Deposit
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

Five partnerships are on record, tiered minor and core.

• ISL Education LendingminorGTM or Marketing PartnerStudent loan referral partnership where Bridge Community Bank receives compensation for referring student loan customers. Offers private loans for college financing and student loan refinancing, plus scholarship opportunities and college planning tools. ISL Education Lending is a non-profit organization with decades of experience.
• Sallie MaeminorGTM or Marketing PartnerStudent loan partnership offering undergraduate and graduate student loan options. Links to Sallie Mae website for student loan products.
• AnnualCreditReport.comminorGTM or Marketing PartnerFree annual credit report service - Federal law allows consumers to obtain a free credit report once every 12 months. Bank promotes this resource for credit health monitoring.
• TreasuryDirectminorGTM or Marketing PartnerU.S. Treasury savings bonds and securities service. Allows purchase and redemption of Treasury securities directly. Includes savings bond calculator for paper bonds (EE, E, I series).
• FDICcoreOthersFederal Deposit Insurance Corporation - Bank is FDIC-insured, protecting deposits up to $250,000 per depositor. This is a fundamental regulatory insurance relationship required for all banks.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Hills Bank and Trust Company: Iowa-based community bank serving individuals, businesses, and agricultural clients across multiple eastern Iowa communities with a comparable full-service product suite including consumer, commercial, and ag lending.
• TS Bank: Employee-owned Iowa community bank offering deposit, lending, and ag-focused services in southwestern Iowa — closely analogous ownership and customer profile to Bridge Community Bank.
• United Bank of Iowa: Iowa community bank providing personal, business, and agricultural banking across rural eastern Iowa markets, directly comparable in product mix and target customer base.
• BankIowa: Iowa-headquartered community bank offering checking, savings, lending, and ag finance to individuals and small businesses across multiple Iowa counties — direct competitor in similar rural markets.
• Heartland Bank and Trust Company: Community-focused bank serving central Illinois and Iowa with consumer, business, and agricultural lending — comparable scale and product breadth to Bridge.
• GreenState Credit Union: Iowa-headquartered credit union with deep retail deposit and mortgage franchise across eastern Iowa, competing for many of the same consumer and household customers as Bridge Community Bank.

Broad incumbents

• MidWestOne Bank: Larger publicly traded Iowa and Midwest regional bank offering consumer, commercial, and ag banking; overlaps with Bridge across eastern Iowa but operates at materially greater scale and geographic breadth.

Regional players

• Cedar Rapids Bank and Trust: Eastern Iowa community bank affiliated with QCR Holdings, offering commercial, ag, and consumer banking — comparable product set though headquartered in a larger nearby metro (Cedar Rapids).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/bankatbridge
• Facebookfacebook.com/bankatbridge
• LinkedInlinkedin.com/company/bridge-community-bank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Bridge Community Bank