First Security Bank of Missoula

Community Bankingfsbmsla.com

First Security Bank of Missoula is a full-service community bank serving individuals and small-to-medium businesses across western Montana through 12 branches, operating as a division of Glacier Bancorp (NASDAQ: GBCI) with over 140 years of operating history.

Company typePrivate
Founded1884
HeadquartersMissoula, United States
Headcount251–500
GTM typeB2B and B2C
OfferingServices

What First Security Bank of Missoula does

First Security Bank of Missoula is a full-service community bank operating as a division of Glacier Bank, a subsidiary of publicly-traded Glacier Bancorp, Inc. (NASDAQ: GBCI). Founded in 1884, the bank serves individuals and small-to-medium businesses across three western Montana counties (Missoula, Ravalli, and Sanders) through 12 physical branches located in Missoula, Hamilton, Corvallis, Stevensville, Thompson Falls, and Plains. The bank holds an over 140-year operating history and emphasizes local decision-making, relationship-based lending, and community involvement as core differentiators within the Glacier Bancorp family of community bank divisions.

The bank's product portfolio spans personal and business banking. Personal offerings include checking (Totally Free, Easy Interest, Premier Interest), savings, money market, HSA, IRAs, personal loans, HELOCs, and a comprehensive real estate lending suite (Conventional, FHA, VA, USDA Rural Development, MBOH, Jumbo, Portfolio, and construction loans including a Medical Professionals program offering up to 100% financing for healthcare providers). Business banking includes tiered checking (Totally Free, Simply, Commercial with treasury management), business savings, commercial lending (lines of credit, equipment term loans, commercial real estate, SBA loans under Preferred Lender status), and merchant payment processing through Heartland. Credit cards (Maximum Rewards, Complete Rewards, Platinum Edition, BucksBack Secured Visa) are issued via First National Bank of Omaha under Visa license, generating interchange revenue. Technology infrastructure relies on third-party integrations including Heartland for payments, ProfitStars for loan servicing, Allpoint for surcharge-free ATM access (50,000+ ATMs), QuickBooks for bill pay import, and Insight Treasury for cash management.

The revenue model is a hybrid of net interest income from lending (mortgages, commercial loans, consumer loans) and transaction-based fee income (deposit account fees, overdraft fees, merchant processing fees, interchange revenue from FNBO-issued Visa cards). GTM is sales-led and relationship-driven, with a large team of named commercial and consumer lenders embedded across branch locations. Customer acquisition occurs through physical branch presence, local lender relationships, community events and sponsorships, social media (Facebook, LinkedIn, Instagram), and referral/word-of-mouth channels rather than digital-led acquisition. Pricing follows a hybrid model with free basic checking tiers and tiered fees for higher-volume business accounts; loan pricing is not publicly disclosed. The bank holds an FDIC-insured charter through Glacier Bank, and combined deposits across all 19 Glacier Bank divisions are insured under a single FDIC institution.

First Security Bank of Missoula firmographics

Firmographics

Name: First Security Bank of Missoula
Legal name: First Security Bank
Website: https://fsbmsla.com
Company type: Private
Founded year: 1884
Operating status: Operating
Headcount range: 251–500 employees
Short description: First Security Bank of Missoula is a full-service community bank serving individuals and small-to-medium businesses across western Montana through 12 branches, operating as a division of Glacier Bancorp (NASDAQ: GBCI) with over 140 years of operating history.
Ownership category
akta.pro rank

First Security Bank of Missoula industry classification

Industry

Product category: Community Banking
NAICS: Commercial Banking (52211)
SIC: State Commercial Banks (6022)
akta.pro primary industry: SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
akta.pro secondary industries: Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

Community banking services
Commercial lending
Retail banking
Mortgage loans
Merchant payment processing

Where First Security Bank of Missoula is headquartered

Location

Headquarters

HQ city: Missoula
HQ country: United States
HQ region: North America

Offices6 records

Markets served

First Security Bank of Missoula business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including real estate mortgages, commercial loans, construction loans, personal loans, and lines of credit. Loan types include conventional mortgages, FHA loans, VA loans, Rural Development loans, SBA loans, and specialized medical professional loans.
Business Banking Fees: Fee income from business checking accounts (monthly maintenance fees, excess item fees, cash handling fees), merchant processing services, wire transfers, and cash management services.
Personal Banking Fees: Fee income from personal accounts including monthly service charges on savings accounts when minimum balances are not maintained, overdraft fees, and other account-related fees.
Credit Card Interchange: Revenue from credit card transactions through partnership with First National Bank of Omaha, including interchange income and rewards program costs.

Pricing tiers

Model	Billing	Price
Hybrid	Monthly	Totally Free Business Checking - No cost basic business checking
Hybrid	Monthly	Simply Business Checking - Moderate activity business checking
Hybrid	Monthly	Commercial Checking - Treasury management solution
Subscription	Monthly	Personal Savings Account
Subscription	Monthly	Money Market Account
Subscription	Monthly	Positive Pay Fraud Protection
One time/ perpetual license	Pay-as-you-go	Check Reordering

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

First Security Bank of Missoula product offering

Product offering

Core offering

First Security Bank of Missoula is a full-service community bank operating 12 branches in western Montana. It delivers personal banking (checking, savings, retirement/IRA/HSA accounts, personal loans, HELOCs, and mortgage loans including a specialized Medical Professionals program) and business banking (business checking and savings, commercial loans including SBA Preferred Lender products, business Visa credit/debit cards, merchant payment processing, and cash management). Distribution occurs through physical branches, online and mobile banking, telephone banking, and a 50,000+ ATM surcharge-free network via Allpoint.

Product overview

First Security Bank of Missoula is a community bank serving Missoula, Ravalli, and Sanders Counties in Montana, operating as a division of Glacier Bank. Its product portfolio spans personal and business banking across three primary areas: (1) Deposit accounts — personal checking/savings/retirement (IRA, HSA) and business checking/savings with tiered fee structures; (2) Lending — real estate mortgages (Conventional, FHA, VA, RD, MBOH, Jumbo, Portfolio, and construction loans including One & Done and 30-Year Fixed All-In-One products), a specialized Medical Professionals mortgage program, personal loans (auto, RV, unsecured), HELOCs, and commercial loans including SBA products; and (3) Digital banking — online and mobile banking with mobile check deposit, bill pay, person-to-person payments, cash management, Positive Pay fraud protection, and merchant payment processing through Heartland. Credit card products (Maximum Rewards, Complete Rewards, Platinum Edition, BucksBack Secured Visa) are issued through First National Bank of Omaha. The bank also offers telephone banking (In Touch), financial calculators, and a Switch Kit for new account onboarding. Key third-party integrations include Heartland for merchant services, FNBO for credit cards, Allpoint for surcharge-free ATM access, ProfitStars for loan payments, and QuickBooks for bill pay imports.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Checking Consumer deposit accounts including Totally Free Checking (no monthly fees), Easy Interest Checking, and Premier Interest Checking, for everyday personal banking and interest-earning balances.
Personal Savings Personal savings products including Personal Savings Account ($100 minimum to avoid fees), Money Market Account ($2,500 minimum), and Health Savings Account (HSA) with tax advantages, offering competitive variable interest rates.
Retirement Accounts (IRA) Individual Retirement Accounts including Traditional IRA (tax-deferred growth) and Roth IRA (tax-free growth with no required minimum distributions after age 72), with catch-up contribution options for those age 50+.
Personal Loans Unsecured and secured consumer lending including auto loans, recreational vehicle (RV/boat) loans, personal term loans, personal lines of credit, and Credit Builder loans ($500–$2,000) that help establish or rebuild credit.
Home Equity Line of Credit (HELOC) Revolving credit line using home equity as collateral, offering flexible access to funds, typically lower rates than other consumer loans, with interest potentially tax-deductible.
Real Estate / Mortgage Loans Comprehensive mortgage products including Conventional, FHA, VA, USDA Rural Development, Montana Board of Housing (MBOH), Jumbo, and Portfolio loans, plus new construction loans (Traditional, One & Done, 30-Year Fixed All-In-One), lot/land loans, and a dedicated Medical Professionals mortgage program.
Medical Professionals Mortgage Program Specialized mortgage program for physicians, dentists, and healthcare professionals offering up to 100% financing on conforming loans, with 95% financing up to $1.25M, 90% up to $1.5M, and 85% up to $2M; also available for RN, PA, PT, NP and other licensed healthcare providers.
Personal Credit Cards Four Visa credit card products issued through First National Bank of Omaha: Maximum Rewards Visa Signature (1 point per dollar), Complete Rewards Visa Signature, Platinum Edition Visa (for debt consolidation), and BucksBack Secured Visa (for credit building).
Personal Debit Cards Free Visa Debit Card with chip technology, fee-free withdrawals at Glacier Family of Banks ATMs, customizable purchase alerts, and mobile wallet compatibility.
Telephone Banking (In Touch) 24/7 automated telephone banking service for account balance inquiries, transaction history, fund transfers, loan payments, stop payments, and ATM/debit card management by calling 877-728-3115.
Business Checking Three business checking tiers: Totally Free Business Checking (200 free items, no minimum balance), Simply Business Checking (500 free items), and Commercial Checking with treasury management and earnings credit; all include free Visa Debit Card, Online Banking, Bill Pay, and eStatements.
Business Savings Business savings options including Business Savings Account (competitive variable rate, $100 minimum), Business Money Market Account ($2,500 minimum), and Health Savings Accounts (HSA) for employer and employee benefit programs.
Business Loans Commercial lending including lines of credit, equipment term loans, commercial real estate loans, commercial construction loans, and SBA loans (Preferred SBA Lender designation) for small business financing.
Business Visa Debit Card Visa Business Debit Card for business purchasing and bill payment, with no annual fee, free Glacier family ATM withdrawals, and per-card daily limits of $500 ATM and $2,500 point-of-sale.
Business Visa Credit Card

Companies that use First Security Bank of Missoula

Customer profile

Segments3 records

Ideal customer profiles3 records

First Security Bank of Missoula technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

First Security Bank of Missoula partnerships and signals

Strategic signal

Partnerships

Seven partnerships are on record, tiered core and minor.

Heartland Payment SystemscoreTechnology or IntegrationStrategic partnership with Heartland Payment Systems (Global Payments company) to provide innovative payment and point of sale solutions including Register POS, Terminal+, and Mobile Pay systems for merchant customers.
Glacier BankcoreOthersFirst Security Bank of Missoula is a division of Glacier Bank, a family of community bank divisions operating in Rocky Mountain states and Texas. Glacier Bank provides resources and infrastructure while divisions maintain local brand and decision-making.
Allpoint NetworkcoreTechnology or IntegrationPartnership with Allpoint to provide surcharge-free ATM access at over 50,000 ATMs across the country, enhancing customer convenience.
Small Business Administration (SBA)coreStrategic or Co-development PartnerFirst Security Bank is a Preferred SBA Lender, enabling the bank to approve and process SBA loans locally for businesses that may not qualify for conventional financing.
First National Bank of Omaha (FNBO)coreTechnology or IntegrationPartnership with FNBO for credit card issuance and processing. FNBO issues Maximum Rewards Visa, Complete Rewards Visa, Platinum Edition Visa, and BucksBack Secured Visa cards under license from Visa.
Montana Board of Housing (MBOH)minorStrategic or Co-development PartnerPartnership offering MBOH loans for first-time homebuyers meeting income requirements, with below-market interest rates and down payment assistance programs.
VisacoreTechnology or IntegrationLicensed Visa issuer providing debit and credit card services. Business and personal Visa debit cards with fraud protection and Zero Liability Policy.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

First Security Bank of Missoula competitors and assessment

Company assessment

Direct peers

First Interstate Bank: Regional community bank (NASDAQ: FIBK) with significant Montana footprint offering personal, business, and wealth management banking. Competes head-to-head with First Security Bank in Missoula for deposits, mortgages, and commercial lending relationships.
Stockman Bank of Montana: Montana-domiciled community bank with similar full-service personal and commercial banking across multiple Montana counties. Direct competitor for SMB deposits, real estate loans, and agricultural lending in the same western Montana geography.
Citizens Community Bank: Montana-focused community bank offering personal and business banking with a similar branch-based, relationship-led model. Comparable in scale, target customer (local consumers and SMBs), and product breadth.
Mountain West Bank: Sister division within the Glacier Bancorp family serving Idaho and surrounding markets with the same community-bank-plus-parent-platform model. Most directly comparable as a peer Glacier division operating under the same shared corporate structure.
Yellowstone Bank: Montana-based community bank providing deposit, lending, and treasury services to consumers and businesses. Comparable regional community-bank competitor in the broader Montana banking market.
Bank of the Rockies: Montana community bank with branch network concentrated in western Montana, offering commercial, agricultural, and consumer banking. Direct peer competing for similar deposit and loan customers in adjacent Montana counties.

Broad incumbents

Glacier Bancorp: Publicly traded bank holding company (NASDAQ: GBCI) and parent of First Security Bank of Missoula. Glacier Bancorp operates ~19 community bank divisions across the Rocky Mountain states and Texas, providing the parent-level infrastructure, capital, and shared services platform that First Security leverages.
Wells Fargo: Major national bank with established Montana retail and commercial presence. Competes for the same consumer and SMB customers in Missoula, differentiated by brand scale, technology investment, and national footprint.
U.S. Bancorp: Large national banking group with retail and commercial presence in Montana. Represents the broad incumbent competitive threat — superior digital capabilities and product breadth challenge First Security's community-bank value proposition.

Emerging players

Chime: Digital-first consumer banking platform with no physical branches but aggressive national marketing. Represents the emerging competitive threat to community banks' deposit base, particularly among younger and lower-fee-sensitive customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

First Security Bank of Missoula compliance and trust

Trust signal

Compliance4 records

First Security Bank of Missoula financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Security Bank of Missoula leadership team

Management profile

Number of profiles

Profiles11 records

First Security Bank of Missoula funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

First Security Bank of Missoula M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Security Bank of Missoula

What does First Security Bank of Missoula do?

Is First Security Bank of Missoula a public or private company?

First Security Bank of Missoula is a private company. It is classified as public and is currently operating.

When was First Security Bank of Missoula founded?

First Security Bank of Missoula was founded in 1884. It employs 251 to 500 people.

Where is First Security Bank of Missoula based?

First Security Bank of Missoula is headquartered in Missoula, United States, in the North America region.

How does First Security Bank of Missoula make money?

Four revenue lines are on record. Interest Income from Lending is the primary driver. The others are business Banking Fees, personal Banking Fees and credit Card Interchange.

Who are First Security Bank of Missoula's main competitors?

Direct peers on record are First Interstate Bank, Stockman Bank of Montana, Citizens Community Bank, Mountain West Bank, Yellowstone Bank and Bank of the Rockies. Broad incumbents are Glacier Bancorp, Wells Fargo and U.S. Bancorp. Chime is listed as an emerging player.

Does First Security Bank of Missoula have an API?

No public API is recorded for First Security Bank of Missoula.

What industry is First Security Bank of Missoula in?

First Security Bank of Missoula's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.