What Redstone Bank does

Redstone Bank is an FDIC-insured, privately held community bank headquartered in Centennial, Colorado, founded around 2010 and operating for over 15 years. The bank serves individual consumers, small and mid-sized businesses, and construction/real estate developers across the Colorado market through physical branches (including Centennial and Parker) and digital channels, with NMLS ID #528782 and routing number 107007391. Its product suite spans personal banking (checking, savings and CDs, credit cards, IRAs, home loans, personal and auto loans, online and mobile banking), business banking (checking, savings, credit cards, business loans and lines of credit, SBA loans, employer and employee benefit banking), specialized lending (construction loans with one-time close financing, commercial real estate loans), and treasury management (payables and receivables, deposits and liquidity, merchant services, Positive Pay fraud management).

The bank runs a traditional community-bank technology stack consisting of an online and mobile banking platform, treasury management systems, fraud management, and merchant services processing — with no disclosed proprietary technology or AI/ML components. It makes money primarily through net interest income on its loan portfolio (home loans, construction loans, commercial real estate loans, personal and auto loans, HELOCs), supplemented by deposit-related fees (overdraft, monthly service charges), credit card interchange and interest, and treasury management service fees for business customers.

Go-to-market is direct-to-consumer and direct-to-SMB via local branch presence, local decision-making, and relationship lending, supported by digital onboarding, educational content, and community involvement. Pricing is largely quote-based and varies by product, term, and creditworthiness, with promotional rates such as a 5.99% APR HELOC used tactically. The bank is independent and locally controlled, with no disclosed parent company, institutional investor, or private equity backing.

Name

Redstone Bank

Legal name

Redstone Bank

Website

https://redstonebankco.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Redstone Bank is an FDIC-insured, privately held community bank headquartered in Centennial, Colorado, serving individual consumers, small businesses, and construction/real estate developers through Colorado branches and digital banking channels with personal banking, lending, and treasury management services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Community banking services
• Commercial real estate lending
• Personal deposit accounts
• Small business loans
• Treasury management services

Headquarters

HQ city

Centennial

HQ country

United States

HQ region

North America

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: Traditional bank interest income from lending products including home loans, construction loans, commercial real estate loans, personal loans, auto loans, and HELOCs. Revenue generated from interest rate spreads on loans.
2. Deposit Fee Income: Fee income from checking accounts, savings accounts, CD accounts, and business banking products. Includes overdraft fees, monthly service fees, and transaction fees.
3. Credit Card Fees: Income from personal and business credit card programs including interchange fees, annual fees, and interest charges on revolving balances.
4. Treasury Management Services: Fee income from payables and receivables services, merchant services, deposits and liquidity management, and fraud management solutions for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Redstone Bank is a Colorado-based community bank that provides personal and business banking products including checking, savings, CDs, credit cards, IRAs, home loans, construction loans, commercial real estate loans, personal/auto loans, business loans, and SBA loans, along with treasury management services (payables/receivables, deposits and liquidity, merchant services, Positive Pay fraud management). Services are delivered through local branches, online banking, and mobile banking channels, with lending decisions made locally by community-based lenders.

Product overview

Redstone Bank is a regional community bank offering a comprehensive suite of banking products organized into four main categories: Personal Banking (checking, savings, credit cards, home loans, personal/auto loans, retirement accounts, and digital banking), Business Banking (commercial banking, small business banking, business checking/savings, business credit cards, and employer benefit banking), Lending (home loans, construction loans, commercial real estate loans, personal/auto loans, and SBA loans), and Treasury Management (payables/receivables, deposits/liquidity, merchant services, and fraud management). The bank operates as a traditional community bank with local branches and lenders, emphasizing personalized service and local decision-making. Digital banking is provided through their Online & Mobile Banking platform, while Treasury Management services cater to business cash management needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Flexible personal checking accounts designed to help customers manage their money effectively with features tailored to their lifestyle and financial needs.
• Savings & CDs Personal savings accounts and Certificates of Deposit offering competitive rates and flexibility to help customers reach their financial goals.
• Personal Credit Cards Personal credit card program offering convenience and flexibility for everyday spending with rewards and secure transactions.
• Home Loans Mortgage lending services for purchasing first homes, next homes, or building forever homes, with expert guidance through the entire loan process.
• Personal & Auto Loans Loan products for personal expenses and vehicle purchases, providing funds for debt consolidation, unexpected expenses, or auto financing.
• Individual Retirement Accounts Retirement savings accounts including Traditional and Roth IRA options to help customers invest and save for their future.
• Kids Savings and Student Checking Banking accounts designed for young savers and students, providing age-appropriate financial tools and education.
• Business Checking Business checking accounts designed to fit businesses of all sizes, helping keep business operations running smoothly.
• Business Savings & CDs Savings and CD accounts for businesses offering competitive rates, security, and flexibility for financial goals.
• Business Credit Cards Business credit card program offering rewards, convenience, and flexible ways to manage business spending.
• Business Loans & Lines of Credit Financing solutions for businesses to handle unexpected expenses or make long-term improvements like equipment purchases.
• Commercial Banking Comprehensive banking services for commercial clients including custom financing and cash management solutions.
• Small Business Banking Customized banking solutions for small businesses with free consultations and customizable services tailored to specific business needs.
• Treasury Management Cash management services including payables and receivables, deposits and liquidity management, merchant services, and fraud management solutions for businesses.
• Employer & Employee Benefit Banking Banking services designed for employers and their employees including benefit account management and payroll solutions.
• Construction Loans Specialized home construction financing with flexible fund disbursement as projects progress, competitive rates, and dedicated team support from groundbreaking to completion.
• Commercial Real Estate Loans Financing options for businesses seeking first locations or expanding current spaces, providing financial foundation for property ventures.
• SBA Loans Small Business Administration loan products providing government-backed financing options for eligible businesses.
• Merchant Services Payment acceptance services enabling businesses to accept payments seamlessly in-store or online with secure transactions and detailed reporting.
• Fraud Management (Positive Pay) Fraud protection service that verifies checks and ACH payments to help protect business accounts from fraudulent activity.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Mainstreet Inc.minorOthersThird-party vendor for check ordering services. Redstone Bank redirects customers to Mainstreet Inc. for check reordering through their website. Standard vendor relationship for banking operations.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Academy Bank: Regional community bank offering consumer and business banking, mortgages, and SBA lending across multiple states including Colorado. Comparable mid-sized community bank competitor.
• Bellco Credit Union: Colorado-headquartered credit union offering personal and business banking, lending, and deposit products to the Denver metro community. Comparable in product breadth, regional focus, and community-bank operating model to Redstone.
• Collegiate Peaks Bank: Small Colorado community bank offering personal and business banking products with a similar regional, relationship-based model. Comparable in scale and community focus to Redstone.
• FirstBank (Colorado): Lakewood, CO-based community bank offering personal banking, business banking, mortgages, and commercial lending across Colorado. Most comparable Colorado-headquartered community bank competitor to Redstone.
• Blue Federal Credit Union: Wyoming/Colorado-based credit union offering consumer and business banking, mortgages, and lending products. Overlaps with Redstone in regional Colorado footprint and community-focused product set.

Emerging players

• SoFi: Digital bank offering consumer checking/savings, personal loans, mortgages, and small business banking through a mobile-first platform. Competes directly with Redstone for consumer lending and deposit share, particularly among digitally native customers.
• Chime: Digital-first consumer banking platform with no physical branches, competing for primary banking relationships among younger and value-oriented consumers. Represents the primary neobank disintermediation risk for Redstone's consumer deposits.

Broad incumbents

• Wells Fargo: Major national bank with significant Colorado presence offering full-service consumer, commercial, mortgage, and treasury products. Competes directly for SBA, CRE, and consumer deposit accounts.
• Bank of America: National banking incumbent with Colorado branch footprint competing across consumer, mortgage, small business, and treasury management. Sets the baseline competitive benchmark for digital and product capabilities.
• JPMorgan Chase: National banking giant with extensive branch presence in Colorado offering consumer, business, mortgage, and treasury management products at scale. Represents the primary large-bank competitive threat for community bank deposit and lending share.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/RedstoneBank
• LinkedInlinkedin.com/company/redstone-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Redstone Bank