Mountain View Bank of Commerce

Name

Mountain View Bank of Commerce

Legal name

Academy Bank, N.A.

Website

https://mvbofc.com

Company type

Private

Founded year

2008

Operating status

Acquired

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABAAAB

Retail Lending (Personal Loans, Auto, Credit Lines)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABAAAC

Credit Cards & Revolving Credit

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

Keywords

• Retail banking services
• Commercial lending
• Consumer mortgages
• Business banking
• Treasury management

Headquarters

HQ city

Westminster

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

Distribution channels3 records

Marketing channels3 records

Core offering

Mountain View Bank of Commerce provides FDIC-insured personal and business banking products through Academy Bank's platform, including personal checking, savings, money market, CDs, IRAs, personal loans, credit cards, and home mortgage programs (FHA, VA, Conventional, Jumbo, Refinance, Hero), as well as business checking, savings, lines of credit, term loans, SBA loans, business credit cards, commercial real estate, commercial and industrial financing, corporate banking, and treasury management services.

Product overview

Mountain View Bank of Commerce is a banking platform acquired by Academy Bank offering a comprehensive suite of personal and business banking products. The platform provides personal checking and savings accounts (Elite Investment Checking, Select Rewards Checking, Simply Free Checking, Savings Account, Premier Money Market, CD, IRA), personal lending products (Express Loan, Home Equity Line of Credit, Visa Credit Card, Credit Builder Secured Credit Card), and mortgage products (FHA Loans, VA Home Loans, Conventional Loans, Hero Home Loans, Jumbo Loans, Refinance Loans). For business clients, the platform offers business checking accounts (Simple Business Checking, Business Checking, Business Interest Checking, Analyzed Business Checking), business savings and lending products (Business Savings, Business CD, Business Money Market, Line of Credit, Term Loan, SBA Loans, Business Credit Cards), and commercial banking services including Treasury Management, Commercial Real Estate, Corporate Banking, and Banking as a Service for partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Elite Investment Checking Premium personal checking account with investment features and enhanced benefits targeted at high-value customers.
• Select Rewards Checking Personal checking account that provides rewards and incentives based on account activity and balance.
• Simply Free Checking Basic personal checking account with no monthly maintenance fees and standard banking features.
• Safe Spending Account Personal checking account designed for safe and secure everyday spending with protective features.
• Student Checking Checking account tailored for students with features suited for those new to banking.
• Savings Account Basic personal savings account for depositing and growing funds over time.
• Premier Money Market Money market savings account with competitive interest rates and limited check-writing privileges.
• Certificate of Deposit Time deposit account with fixed terms and guaranteed returns for savings growth.
• Student Savings Savings account designed for students to build savings habits with age-appropriate features.
• IRA Individual Retirement Account offering tax-advantaged retirement savings options.
• Express Loan Quick personal loan with streamlined application and fast approval for various needs.
• Home Equity Line of Credit Revolving credit line secured by home equity for flexible borrowing and large expenses.
• CD Term Loan Loan secured by Certificate of Deposit collateral with competitive rates.
• Visa Credit Card Traditional Visa credit card with worldwide acceptance and standard rewards.
• Credit Builder Secured Credit Card Secured credit card designed to help customers build or rebuild credit history.
• FHA Loans Federal Housing Administration-insured mortgages with lower down payment requirements.
• VA Home Loans Veterans Affairs-backed mortgage loans with favorable terms for eligible veterans.
• Conventional Loans Standard mortgage loans not insured by government agencies with competitive rates.
• Hero Home Loans Specialty mortgage program for first responders and healthcare workers.
• Jumbo Loans Mortgages exceeding conforming loan limits for high-value property purchases.
• Refinance Loans Mortgage refinancing options to replace existing home loans with better terms.
• Cash-Out Refinance Refinance option that allows borrowing more than the existing loan balance to access home equity.
• Simple Business Checking Basic business checking account with straightforward features for small businesses.
• Business Checking Standard business checking account with comprehensive features for business operations.
• Business Interest Checking Business checking account that earns interest on deposited funds.
• Analyzed Business Checking Business checking account with analysis services to help manage cash flow and account activity.
• Business Savings Business savings account for depositing and growing company funds.
• Business CD Business Certificate of Deposit with fixed terms for business savings.
• Business Money Market Business money market account with competitive rates and limited access.
• Line of Credit Revolving credit line for business working capital and operational needs.
• Term Loan Fixed-term business loans for specific investments and capital needs.
• SBA Loans Small Business Administration-backed loans with favorable terms for qualified businesses.
• Business Credit Cards Credit cards designed for business spending with expense management features.
• Commercial Lending Commercial loan services provided by dedicated commercial lenders to business clients.
• Commercial & Industrial Financing solutions for commercial and industrial businesses.
• Commercial Real Estate Commercial property financing and real estate development loans.
• Corporate Banking Comprehensive banking services for corporate clients with complex needs.
• Treasury Management Cash management and treasury services for optimizing business finances.
• Banking as a Service White-label banking services enabling partners to offer banking products to their own customers.
• eBusiness Banking Digital banking platform for business account management and transactions.
• Mobile & Online Banking Digital banking platform enabling customer account access via mobile app and web.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights4 records

Direct peers

• Bell Bank: Fargo, North Dakota-headquartered privately held bank with personal/business banking, mortgages, and wealth management across the Upper Midwest. Comparable privately held community banking model with broad product suite.
• Commerce Bank: Kansas City-headquartered regional commercial bank offering personal checking/savings, mortgages, credit cards, commercial lending, and treasury management. Direct Midwest competitor with a similarly broad product set serving consumer and business clients.
• First National Bank of Omaha: Privately held Midwest regional bank offering personal and business deposit accounts, mortgages, credit cards, and commercial lending. Comparable full-service community bank model serving similar consumer and SMB segments.
• National Bank Holdings Corporation: Greenwood Village, Colorado-based bank holding company operating community banks across the Midwest and Mountain West. Direct competitor for former Mountain View customers in Colorado with comparable consumer and commercial banking offerings.
• Academy Bank, N.A. The federally chartered National Association parent bank that acquired Mountain View Bank of Commerce in 2023. Operates the identical product suite, digital platform, and branch network that now serves the Mountain View customer book, making it the single most directly comparable entity.

Regional players

• Bellco Credit Union: Colorado-based not-for-profit credit union with consumer deposit, lending, mortgage, and business banking services. Comparable community-oriented Colorado/Mountain West financial institution competing for the same Westminster-area consumer base.
• Sunflower Bank, N.A. Texas/Kansas-headquartered community bank subsidiary of First Financial Bancshares, offering personal/business banking, mortgages, and treasury management. Comparable Midwest-touching community bank with similar product breadth.
• INTRUST Bank: Wichita, Kansas-based regional bank with personal and business banking, mortgages, wealth, and treasury management. Operates in overlapping Midwest geographies with a comparable community bank product set.
• BOK Financial: Oklahoma-based regional bank holding company (BOKF) with consumer, commercial, and wealth management offerings across multiple Midwest and Southwest states. Comparable Mid-continent community/commercial banking franchise.

Broad incumbents

• UMB Financial Corporation: Kansas City-based diversified financial holding company providing retail banking, commercial banking, treasury management, and wealth services across the Midwest. Comparable full-suite banking model with greater scale and broader geographic reach.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xtwitter.com/bankwithacademy
• Facebookfacebook.com/bankwithacademy
• LinkedInlinkedin.com/company/mountain-view-bank-of-commerce
• Instagraminstagram.com/academybank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Mountain View Bank of Commerce