Valley Bank of Kalispell

What Valley Bank of Kalispell does

Valley Bank of Kalispell is an independent, family-owned community bank chartered in 1911 (originally as State Bank of Somers) and headquartered at 41 3rd St. W, Kalispell, Montana, with a second branch in Eureka added in 2018. The bank serves individual consumers, small and medium businesses, and farm and ranch operations across the Flathead Valley and Lincoln County in Northwest Montana, offering personal checking (Valley Checking, Green Valley, Golden Valley 55+, HSA, Money Market), savings/CDs/IRAs, consumer loans for vehicles and recreational equipment, Visa credit cards, and a mortgage center. Commercial banking includes business deposit accounts, commercial real estate loans, operating lines of credit, farm and ranch financing, ACH payroll, and Remote Image Deposit.

The technology stack is conventional community-bank infrastructure rather than differentiated: online and mobile banking are delivered through Apiture's hosted platform, mortgages run on MortgageWebCenter, consumer loan applications on LoanWebCenter, and credit card origination on MyCommunityCC, with MoneyPass providing ATM locator services. There are no disclosed proprietary AI/ML systems, APIs, or patents; product descriptions emphasize local decision-making by human lenders and personal relationships.

Revenue is generated through traditional banking mechanics: net interest income from the loan portfolio (consumer, commercial real estate, farm/ranch, mortgage), fee-based deposit-account services (monthly service charges, dormant-account fees, paper-statement fees, overdraft/insufficient-funds charges), debit and credit card interchange, and unit-priced Money Market accounts. Pricing tiers range from low-fee basic checking ($50 minimum opening) to Money Market Checking ($2,500 minimum opening, $7.50 per statement cycle plus $0.20 per debit). The bank held approximately $110MM in assets as of 2016 and was ranked among the Top 100 Best Performing Community Banks of 2022 under $3B in assets.

Name

Valley Bank of Kalispell

Legal name

Valley Bank of Kalispell

Website

https://valleybankmt.com

Company type

Private

Founded year

1911

Operating status

Operating

Headcount range

11–50 employees

Short description

Valley Bank of Kalispell is an independent, family-owned community bank founded in 1911, serving individuals, small businesses, and farm/ranch operations across Northwest Montana through branches in Kalispell and Eureka plus online and mobile banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

akta.pro secondary industry

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

Keywords

• Community banking services
• Consumer lending products
• Commercial loan services
• Business deposit accounts
• Personal savings accounts

Headquarters

HQ city

Kalispell

HQ country

United States

HQ region

North America

Offices2 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 Lending: Traditional banking revenue from interest earned on consumer loans (vehicles, boats, RVs, campers, ATVs, motorcycles, snowmobiles), commercial loans (real estate, operating lines of credit, farm and ranch loans), and mortgages
2. Deposit Account Fees and Charges: Monthly service charges, dormant account fees ($5/month after 12 months), debit card fees ($10 lost card fee), paper statement fees ($5 per statement), and overdraft/insufficient funds charges
3. Commercial Banking Services: Business checking accounts, money market commercial accounts, business certificates of deposit, and business savings with fee structures
4. Credit Card Revenue: Valley Bank Visa credit cards with no annual fee and no cash advance fee, generating interchange and interest revenue

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Valley Bank of Kalispell is an independent community bank providing personal and business banking products and services to individuals, small and medium businesses, and farm/ranch operators in the Flathead Valley of Northwest Montana. Core offerings include personal checking, savings, CDs and IRAs; consumer loans for vehicles and recreational equipment; Visa credit cards; business deposit accounts; commercial real estate, operating line of credit, and farm/ranch loans; plus online and mobile banking with bill pay and remote image deposit.

Product overview

Valley Bank of Kalispell is a community bank offering a comprehensive suite of personal and business banking products. The bank's personal offerings include multiple checking account types (Valley Checking, Green Valley Checking, Golden Valley Checking, Health Savings Account, Money Market Checking), savings/CDs/IRAs (Savings, Certificates of Deposit, Variable/Fixed/Roth IRAs), consumer loans for vehicles and recreational equipment, Visa credit cards with rewards, and electronic banking with bill pay. Business banking includes deposit accounts (Business Checking, Money Market Commercial, Business CDs, Business Savings), commercial lending (Real Estate, Small Business, Operating Lines of Credit, Farm/Ranch Loans), Business Online Banking with Remote Image Deposit, and a Mortgage Center. All services are delivered through two Montana branch locations (Kalispell and Eureka) with online and mobile banking capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts A suite of personal checking account options for individual consumers in the Flathead Valley, including basic checking, e-statement checking, a senior (55+) checking account, Health Savings Account, and Money Market Checking with tiered interest rates and minimum balance requirements.
• Personal Savings, CDs, and IRAs Personal savings accounts, Certificates of Deposit with competitive rates and periodic specials, and Individual Retirement Accounts including Variable IRA (18-month term), Fixed IRA ($1,000 minimum), and Roth IRA for individual customers seeking deposit products and retirement savings.
• Consumer Loan Services Installment loans for individual consumers to purchase or refinance cars, trucks, boats, RVs, campers, travel trailers, ATVs, motorcycles, snowmobiles, and commercial vehicles, processed through the bank's LoanWebCenter platform.
• Credit Card Services Valley Bank Visa credit cards with no annual fee and no cash advance fee, featuring rewards programs, applied for through the MyCommunityCC platform for individual cardholders.
• Electronic Banking and Bill Pay Online and mobile banking service for personal customers enabling 18 months of transaction history viewing, fund transfers between accounts, loan payments, free bill pay without service or postage charges, automatic payment setup, and 24-hour information access.
• Business Deposit Accounts Business checking accounts, Money Market Commercial accounts, Business Certificates of Deposit, and Business Savings accounts designed for local small and medium businesses with varied fee structures.
• Business Loan Services Commercial lending products including Commercial Real Estate loans, Small Business Loans, Operating Lines of Credit, and Farm and Ranch Loans for local businesses and agricultural operators in Northwest Montana.
• Business Online Banking Valley Bank Business Online platform enabling business customers to view balances and transactions, perform internal and external fund transfers, make loan payments, process ACH transfers for employee payroll/Direct Deposit, download transaction history, and provision employee usernames and passwords with role-based capabilities.
• Mortgage Center Home mortgage services powered by MortgageWebCenter including current rate checking, Rate Watch signup, loan applications, and mortgage calculators for personal banking customers.

Quantifiable outcome

• Named Top 100 Best Performing Community Banks of 2022 under $3B in assets (March 2023)
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

One partnership is on record.

• Montana Independent Bankers AssociationminorOthersValley Bank of Kalispell is a proud member of the Montana Independent Bankers Association, supporting independent community banking in Montana.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• First Montana Bank: Montana community bank serving personal and business customers in markets across the state. Comparable as an in-state community bank offering personal deposits, business banking, and lending products to overlapping customer profiles.
• Big Sky Western Bank: Montana community bank with personal and business banking, mortgages, and agricultural lending products. Comparable independent Montana community-bank franchise competing for similar rural and small-business customers.
• Yellowstone Bank: Montana community bank offering consumer and business banking products. Comparable community-bank franchise targeting similar small-business, consumer, and agricultural customers in Montana.
• First Interstate BancSystem: Montana-based regional bank holding company with branches across the state. Directly comparable as a Montana-headquartered community/regional bank offering personal checking, business banking, ag lending, and mortgages to overlapping customer segments.
• Opportunity Bank of Montana: Montana-based community bank offering personal and business banking, mortgages, and agricultural lending. Similar in size, charter type, and customer mix to Valley Bank in the Montana community-banking space.
• Glacier Bancorp (Glacier Bank): Kalispell-headquartered bank holding company with deep community-banking presence across Montana, Idaho, and the West. Glacier Bank is a direct peer serving similar Flathead Valley consumers, small businesses, and agricultural customers with comparable personal/business lending products.
• Stockman Financial Corporation (Stockman Bank): Montana-owned community bank serving consumers, businesses, and agricultural customers across the state. Closely comparable in independent community-bank positioning, ag lending focus, and full personal/business product suite.

Regional players

• Whitefish Credit Union: Member-owned credit union headquartered in Whitefish, MT, directly serving the Flathead Valley. Competes for the same Flathead Valley consumer deposits and consumer-loan relationships as Valley Bank, but operates under a credit-union (not bank) charter.

Broad incumbents

• Wells Fargo: National bank with retail and small-business branches throughout Montana. Competes for the same consumer and small-business customers as Valley Bank, but operates a standardized, large-bank model that contrasts with Valley Bank's local-decision positioning.
• U.S. Bank: Large national bank with branch presence across Montana, including the Flathead Valley. Overlaps with Valley Bank on consumer deposits, mortgages, and small-business banking but as part of a much broader national portfolio rather than a community-focused model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Valley-Bank-of-Kalispell-2534991089874680
• LinkedInlinkedin.com/company/valley-bank-of-kalispell

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 Valley Bank of Kalispell