Big Sky Western Bank
Big Sky Western Bank (dba First Security Bank) is a Bozeman, Montana-based community bank and Glacier Bancorp subsidiary providing personal and commercial banking, lending, treasury management, and merchant services to consumers and small-to-medium businesses in the Gallatin Valley.
- Company typePrivate
- Founded1990
- HeadquartersBozeman, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Big Sky Western Bank does
Big Sky Western Bank, doing business as First Security Bank, is a community bank headquartered in Bozeman, Montana, and operating as a division/subsidiary of Glacier Bancorp (NYSE: GBCI), a publicly traded multi-state bank holding company. Founded in 1990 and employing 51-100 staff, the bank serves individuals and small-to-medium-sized businesses primarily within the Bozeman market, with no disclosed geographic expansion beyond the local community. Its product set spans personal banking (checking variants including Totally Free Checking, savings, retirement accounts, personal loans, home loans, HELOC, debit and credit cards, telephone banking, and eStatements) and business banking (business checking and savings, commercial loans, lines of credit, overdraft protection, construction lending through a dedicated Construction Department, merchant payment processing, and treasury management). Distribution is delivered through physical branches in Bozeman, an online and mobile banking platform, a business-facing Insight Treasury portal for cash and payment management, and the Allpoint ATM network for surcharge-free cash access. The business model is conventional community banking: net interest income on deposits and loans, supplemented by fee income from treasury management, merchant processing, interchange, and mortgage origination. Specific fee structures and financial results are not publicly disclosed, and pricing models include free checking tiers alongside non-disclosed commercial pricing.
Big Sky Western Bank firmographics
Firmographics- Name
- Big Sky Western Bank
- Legal name
- First Security Bank
- Website
- https://bigskybank.com
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Big Sky Western Bank (dba First Security Bank) is a Bozeman, Montana-based community bank and Glacier Bancorp subsidiary providing personal and commercial banking, lending, treasury management, and merchant services to consumers and small-to-medium businesses in the Gallatin Valley.
- Ownership category
- akta.pro rank
Big Sky Western Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where Big Sky Western Bank is headquartered
LocationHeadquarters
- HQ city
- Bozeman
- HQ country
- United States
- HQ region
- North America
Markets served
Big Sky Western Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Totally Free Checking |
Distribution channels4 records
Marketing channels3 records
Big Sky Western Bank product offering
Product offeringCore offering
Big Sky Western Bank, operating as First Security Bank, is a community bank in Bozeman, Montana that provides a full suite of personal and business banking products. Personal offerings include checking, savings, retirement accounts, personal loans, home loans, and HELOCs. Business offerings include business checking and savings, commercial loans, lines of credit, construction lending, merchant payment processing, and treasury management via the Insight Treasury platform. The bank also supports digital banking channels and partnerships such as Neighborworks Homestretch for affordable homeownership and Everfi for financial literacy education.
Product overview
First Security Bank offers a comprehensive suite of banking products organized into personal and business categories. Personal banking includes checking and savings accounts, retirement planning, various loan products (personal loans, home loans, HELOC), and supplementary services like debit/credit cards, telephone banking, and ATM access via the Allpoint network. Business banking encompasses checking, savings, commercial lending, construction loans, merchant payment processing, and treasury management. The bank also provides digital banking platforms for both personal and business customers, along with educational tools like Financial Foundations (via Everfi) and account switching assistance through Switch Concierge. The institution operates as a subsidiary of Glacier Bancorp.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Personal checking accounts with options including Totally Free Checking, Easy Interest Checking, and 50+ Checking designed to fit different customer lifestyles.
- Personal Savings Personal savings accounts allowing customers to deposit funds and earn competitive interest rates.
- Retirement Accounts Retirement planning products including IRAs and other retirement savings vehicles for personal customers.
- Personal Loans Installment loans for personal use with fixed payment amounts over a specified term.
- Home Loans Mortgages and real estate financing for purchasing or refinancing residential homes.
- Home Equity Line of Credit (HELOC) Revolving credit line secured by the borrower's home equity, allowing flexible borrowing against home value.
- Neighborworks Home Loan Program Affordable homeownership program offered in partnership with Neighborworks Homestretch, providing education, counseling, and affordable financing for qualified buyers in Montana.
- Credit Cards Credit card products for personal and business customers enabling purchases and revolving credit.
- Debit Cards ATM and debit cards for personal and business customers enabling cash withdrawals, purchases, and ATM access.
- Telephone Banking Banking services accessible via telephone for account management and transactions.
- Business Checking Checking accounts tailored for business needs with features for managing business finances.
- Business Savings Savings accounts designed for businesses to deposit and grow business funds.
- Business Loans Commercial lending products including Commercial Loans, Lines of Credit, and Overdraft Protection for local businesses.
- Construction Lending Specialized construction lending services for building projects and development.
- Merchant Payment Processing Payment processing services enabling businesses to accept card payments from customers.
- Treasury Management Treasury management solutions for businesses to optimize cash flow and financial operations.
- Personal Online Banking Online banking platform for personal customers to access accounts, transfer funds, pay bills, and manage finances digitally.
- Business Online Banking Online banking platform for business customers with enhanced features for business financial management.
- Insight Treasury Online treasury management platform for business customers to manage cash flow, payments, and financial operations.
- Incoming Wires Wire transfer reception service for receiving domestic and international wire transfers into accounts.
Companies that use Big Sky Western Bank
Customer profileSegments2 records
Ideal customer profiles2 records
Big Sky Western Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature1 record
Big Sky Western Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Neighborworks HomestretchcoreFirst Security Bank partners with Neighborworks Homestretch to offer affordable homeownership programs for hardworking Montanans. The partnership aims to make homeownership more accessible through the Homestretch program, which provides education, counseling, and affordable financing options for qualified buyers.
- EverfiminorFirst Security Bank partners with Everfi to provide Financial Foundations, an interactive financial literacy learning experience. The program promotes lifelong financial literacy for customers through brief yet powerful educational content.
- AllpointminorFirst Security Bank offers customers access to the Allpoint ATM network for surcharge-free ATM withdrawals. This partnership expands the bank's ATM footprint without requiring own-network infrastructure.
Recent moves5 records
Expansion highlights5 records
Big Sky Western Bank competitors and assessment
Company assessmentEmerging players
- Brex: Digital-first corporate card and treasury management platform targeting SMBs — directly competitive with First Security's Insight Treasury and business banking value proposition.
- Chime: Leading U.S. consumer neobank targeting free checking and savings customers — directly overlapping First Security's personal-banking segment with a digital-first cost structure.
Direct peers
- Stockman Financial Corp: Montana-based community bank offering personal, business, and agricultural banking across the state. Closely comparable community-bank franchise with similar consumer and SMB product mix.
- Opportunity Bank of Montana: Montana-based community bank (division of Eagle Bancorp Montana) offering consumer and business banking products. Comparable community-bank footprint and SMB focus within the same state.
- First Interstate BancSystem: Montana-headquartered regional bank holding company (NASDAQ: FIBK) with a similar community-bank division model serving the Mountain West. Most directly comparable in geography, product mix, and SMB focus.
- Glacier Bancorp: NYSE-listed parent holding company (GBCI) of which First Security Bank is a division. Directly comparable operating model — multi-bank holding company strategy with community-bank divisions across the western U.S.
Broad incumbents
- U.S. Bancorp: Large U.S. regional bank with retail, commercial, treasury, and merchant payment products overlapping First Security's full suite. Competes with First Security's SMB and consumer customers in the broader Montana market.
- Wells Fargo: National bank with extensive consumer, mortgage, and commercial banking products. Competes for deposits and SMB relationships across Montana and the broader U.S.
- JPMorgan Chase: Largest U.S. bank with full-service consumer and commercial banking. Increasingly competitive in SMB treasury, payments, and digital banking segments where First Security operates.
Regional players
- Northwestern Energy (BNC Financial): Regional Montana community bank serving consumer and business customers. Comparable community-bank profile within the Montana footprint.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Big Sky Western Bank social profiles
Digital presenceBig Sky Western Bank compliance and trust
Trust signalCompliance3 records
Big Sky Western Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Big Sky Western Bank leadership team
Management profileNumber of profiles
Profiles1 record
Big Sky Western Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Big Sky Western Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Big Sky Western Bank
What does Big Sky Western Bank do?
Big Sky Western Bank, operating as First Security Bank, is a community bank in Bozeman, Montana that provides a full suite of personal and business banking products. Personal offerings include checking, savings, retirement accounts, personal loans, home loans, and HELOCs. Business offerings include business checking and savings, commercial loans, lines of credit, construction lending, merchant payment processing, and treasury management via the Insight Treasury platform. The bank also supports digital banking channels and partnerships such as Neighborworks Homestretch for affordable homeownership and Everfi for financial literacy education.
Is Big Sky Western Bank a public or private company?
Big Sky Western Bank is a private company. It is classified as corporate owned and is currently operating.
When was Big Sky Western Bank founded?
Big Sky Western Bank was founded in 1990. It employs 51 to 100 people.
Where is Big Sky Western Bank based?
Big Sky Western Bank is headquartered in Bozeman, United States, in the North America region.
Who are Big Sky Western Bank's main competitors?
Emerging players on record are Brex and Chime. Direct peers are Stockman Financial Corp, Opportunity Bank of Montana, First Interstate BancSystem and Glacier Bancorp. Broad incumbents are U.S. Bancorp, Wells Fargo and JPMorgan Chase. Northwestern Energy (BNC Financial) is listed as a regional player.
Does Big Sky Western Bank have an API?
No public API is recorded for Big Sky Western Bank.
What industry is Big Sky Western Bank in?
Big Sky Western Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6022.