TrailWest Bank
TrailWest Bank is an FDIC-insured, privately held community bank headquartered in Lolo, Montana, operating 18 branches across four Western Montana counties and serving consumers, small businesses, agricultural operations, medical professionals, and homebuyers with personal banking, business banking, and diversified lending products.
- Company typePrivate
- Founded1982
- HeadquartersLolo, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What TrailWest Bank does
TrailWest Bank is an FDIC-insured, privately held community bank headquartered in Lolo, Montana, operating 18 branch locations across four Western Montana counties (Ravalli, Missoula, Mineral, and Flathead). The bank traces its lineage to 1982 when it was founded as Bitterroot Valley Bank by Alan Bradley, subsequently merged with Ravalli County Bank (founded 1895, the oldest chartered bank in Montana) in 2012 and West One Bank in 2015, and rebranded to TrailWest Bank to unify the family of banks under a single identity. The bank serves individual consumers, small to mid-size businesses, agricultural operations, medical professionals, and homebuyers through a tiered product portfolio spanning personal checking (Liquid Rewards, Liquid Silver, Liquid Gold, Medical Professional Liquid Gold), savings accounts (Regular, Young Bankers), retirement and education accounts (Traditional, Roth, SEP IRAs, CESA, HSA, Montana Medical Savings), certificates of deposit, and a comprehensive lending suite covering personal loans (vehicle, motorcycle, boat, ATV, RV), business loans, commercial real estate loans, agricultural loans, medical professional loans, construction loans, in-house mortgage loans, and HELOCs.
The bank operates a multi-channel distribution model anchored by physical branches and augmented by digital infrastructure. The technology stack is built on third-party platforms: the Aurora digital banking platform powers online and mobile banking, Bytes Software underwrites mortgage applications, FinancialHost enables online account opening, Allied Payment Network processes loan payments, and Banzai provides financial education content. The proprietary LIVE! (Local Interactive Video Experts) video teller system, deployed at 16 locations, combines ATM functionality with live video access to bank representatives and operates seven days a week with extended hours including 7am-7pm weekdays, 9am-5pm Saturdays, and 11am-3pm Sundays. Customers also access over 55,000 surcharge-free ATMs through the Allpoint Network, and debit cards are compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. The TrailWest Foundation, a 501(c)(3) nonprofit established in 2017, operates separately to provide financial assistance to Western Montana residents in crisis.
Revenue is generated primarily through net interest income from the loan portfolio (personal, commercial, agricultural, mortgage, commercial real estate) supplemented by service fees from tiered checking and savings accounts, ATM and transaction fees, and interchange revenue from MasterCard debit card rewards programs. The bank employs 101-250 staff and maintains a relationship-banking sales motion emphasizing local decision-making authority, agricultural and commercial lending expertise, and personal service as differentiators from larger national and regional banks.
TrailWest Bank firmographics
Firmographics- Name
- TrailWest Bank
- Legal name
- TrailWest Bank
- Website
- https://trailwest.bank
- Company type
- Private
- Founded year
- 1982
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- TrailWest Bank is an FDIC-insured, privately held community bank headquartered in Lolo, Montana, operating 18 branches across four Western Montana counties and serving consumers, small businesses, agricultural operations, medical professionals, and homebuyers with personal banking, business banking, and diversified lending products.
- Ownership category
- akta.pro rank
TrailWest Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where TrailWest Bank is headquartered
LocationHeadquarters
- HQ city
- Lolo
- HQ country
- United States
- HQ region
- North America
Offices15 records
Markets served
TrailWest Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Primary revenue from interest rate spreads on loans including personal lending (vehicle, motorcycle, boat, ATV, RV), mortgage lending, business loans, agricultural loans, and commercial real estate loans.
- Checking Account Fees: Monthly service fees based on minimum balance requirements for various checking accounts (Liquid Silver $7/month, Liquid Gold $25/month). Fee waivers available for meeting minimum balance thresholds.
- Savings Account Fees: Quarterly service fees for regular savings accounts ($7 quarterly if balance below $200). Paper statement fees apply for balances under $5,000.
- ATM and Transaction Fees: Foreign ATM fees of $2 per transaction for non-Allpoint ATMs. Transaction limits: $210/day standard withdrawal, $510/day for Liquid Gold holders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Liquid Rewards Checking - Basic rewards account with debit card cashback |
| Subscription | Monthly | Liquid Silver Interest Checking - Interest-earning account with rewards |
| Subscription | Monthly | Liquid Gold Premier Checking - Premium account with extensive benefits |
| Subscription | Monthly | Medical Professional Liquid Gold - Professional-specific premier account |
| Subscription | Monthly | Regular Savings - Basic savings account |
| Subscription | Monthly | Young Bankers Savings - Youth account for under 18 |
| Subscription | Monthly | IRA Accounts - Traditional, Roth, SEP |
| Subscription | Monthly | Health Savings Account |
| Subscription | Monthly | Business Checking - Commercial account |
| Subscription | Monthly | Business Money Market Savings |
| One time/ perpetual license | Multi-year contract | Liquid Gold CD Special |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
TrailWest Bank product offering
Product offeringCore offering
TrailWest Bank is an FDIC-insured community bank offering personal and business deposit accounts (checking, savings, money market, IRAs, HSAs, CDs), personal lending (auto, motorcycle, boat, ATV, RV, credit cards), residential mortgage lending (construction, in-house, HELOC), commercial lending (equipment, working capital, lines of credit, commercial real estate), and agricultural lending (property, equipment, livestock, lines of credit). Services are delivered through 18 physical branches, LIVE! video teller machines, an online/mobile banking platform, and a 55,000+ ATM network across Western Montana.
Product overview
TrailWest Bank is a community bank serving Western Montana with a comprehensive suite of financial products and services organized into three main pillars: Personal Banking, Business Banking, and Lending. The Personal Banking division includes a tiered checking account structure (Liquid Rewards, Liquid Silver, Liquid Gold, and Medical Professional Liquid Gold) differentiated by balance requirements and premium benefits, along with savings accounts (Regular Savings and Young Bankers Savings for minors), retirement accounts (Traditional, Roth, and SEP IRAs), education savings (CESA), health savings (HSA), Montana Medical Savings, and Certificates of Deposit. Business Banking offers Business Checking and Business Money Market Savings accounts with commercial-oriented features. The Lending portfolio spans Personal Lending (vehicle, motorcycle, boat, ATV, RV loans, and credit cards), Business Lending (equipment, bridge, working capital, construction loans), Commercial Real Estate Lending, Agriculture Lending, Medical Professional Loans, and Home Mortgage Lending (construction, in-house, HELOC, second mortgages). Digital Banking capabilities include online and mobile banking platforms with mobile deposit, debit card management, digital wallets (Apple Pay, Google Pay, Samsung Pay, Garmin Pay), and the LIVE! video teller service combining ATM convenience with human assistance. The bank also provides financial education resources and calculators, safe deposit boxes, and community support through the TrailWest Foundation.
Differentiator
Problem solved
Functional benefit
Brands
- LIVE!: Local Interactive Video Experts - technology combining ATM convenience with personal video assistance from TrailWest team members, available 7 days a week.
- TrailWest Foundation
Products and services
- Liquid Rewards Checking Personal rewards checking account featuring a MasterCard Debit Card with unlimited 10¢ reward per purchase and paperless statements. $25 opening deposit, no monthly service fee. Targets everyday consumers seeking debit-card rewards.
- Liquid Silver Interest Checking Interest-earning personal checking account with competitive variable market interest rate, MasterCard Debit Card with unlimited 10¢ reward per purchase, and paperless statements. $2,500 opening deposit and minimum balance or $7 monthly service fee.
- Liquid Gold Premier Checking Premium personal checking account with competitive variable tiered interest rate, MasterCard Debit Card, complimentary checks, two courtesy domestic wire transfers monthly, free official checks and money orders, and complimentary 3x5 Safe Deposit Box. $10,000 opening deposit and minimum balance or $25 monthly service fee.
- Medical Professional Liquid Gold Checking Premier checking account designed for medical professionals offering competitive variable tiered interest rate, MasterCard Debit Card, complimentary checks, two wire transfers monthly, official checks and money orders, and complimentary 3x5 Safe Deposit Box. $100 opening deposit with no minimum balance requirement.
- Regular Savings Simple, flexible personal savings account with competitive interest rate and TrailWest ATM Card. $200 opening deposit and minimum balance or $7 quarterly service fee.
- Young Bankers Savings Personal savings account for youth under age 18, requiring parent or guardian to maintain an account in good standing. $10 opening deposit, no minimum balance requirement.
- Individual Retirement Accounts (Traditional, Roth, SEP IRAs) Retirement savings accounts available in Traditional, Roth, and SEP varieties with competitive variable market rates. $2,000 opening deposit and minimum balance or $10 monthly service fee.
- Coverdell Education Savings Account (CESA) Nondeductible education savings account featuring tax-free withdrawals for qualified education expenses. Competitive variable market rate with $2,000 opening deposit.
- Health Savings Account (HSA) Interest-checking account for use with high-deductible insurance plans, allowing tax-free savings for medical expenses. Includes HSA Debit Card. $500 opening deposit and minimum balance or $5 monthly service fee.
- Montana Medical Savings Account Self-administered savings account allowing customers to save for medical expenses with reduced Montana State tax burden.
- Certificates of Deposit (CDs) Time deposit accounts with various maturity terms and competitive market rates. $2,000 minimum opening deposit. Strong, safe investments for personal savers.
- Business Checking Business checking account featuring MasterCard Debit Card, customizable online banking with ACH services and Bill Pay. $100 opening deposit, no monthly fee unless 500+ items clear per month.
- Business Money Market Savings Business savings account with competitive variable interest rate and tiered rates based on account balance. $1,000 opening deposit, no monthly fee. Federal regulations impose transaction limitations.
- Business Loans Comprehensive business lending including Equipment Loans, Bridge Loans, Inventory Financing, Accounts Receivable Loans, Working Capital Loans, Lines of Credit, Construction Loans, and Overdraft Protection. Targets local small and mid-size businesses.
- Commercial Real Estate Loans Commercial property financing including Investment Property Loans, Multifamily Housing Loans, Acquisition Financing, and Renovation or Improvement Loans.
- Agriculture Loans Farm and ranch lending including Property Loans, Agricultural Equipment Loans, Agricultural Livestock Loans, and Agricultural Lines of Credit. Targets agricultural operators in Western Montana.
- Medical Professional Loans Customized financing for medical practices including Medical Professional Lines of Credit, Partnership Financing, Real Estate Loans, Equipment Loans, and Debt Consolidation. Targets physicians, dentists, and healthcare practitioners.
- Construction Loans Home construction and improvement financing with funds disbursed as needed or per project stage completion. Secured by real estate with terms typically between 3-18 months.
- In-House Mortgage Loans Long-term home loans originated and serviced at TrailWest Bank with fast turnaround times due to flexible in-house underwriting standards, typically competitive with Secondary Market rates.
- Home Equity Lines of Credit (HELOC) Line of credit extended to homeowners using their homes as collateral, determined by the unencumbered equity in the property. Used for home improvements, debt consolidation, or other borrowing needs.
- Personal Lending Personal loan products including New and Used Vehicle Loans, Motorcycle Loans, Boat Loans, ATV/Snowmobile Loans, RV Loans, CD/Savings Account Secured Loans, Credit Cards, and Liquid Overdraft Lines of Credit. Targets individual consumer borrowers.
- Digital Banking (Online and Mobile) Comprehensive online and mobile banking platform providing 24/7 account access, bill payment, fund transfers, mobile check deposits, debit card management, and paperless statements. Available via Apple and Android mobile apps.
- Business Digital Banking Online banking tools for small business account management with customizable experience including ACH services and Bill Pay for business payment management.
- Safe Deposit Boxes Secure storage boxes in various sizes available at select branch locations for protecting important documents and valuable items.
- Digital Banking Upgrade (2025) Modernized online and mobile banking platform upgrade delivered in 2025, providing expanded digital banking capabilities across personal and business accounts.
Quantifiable outcome
- Over 55,000 surcharge-free ATMs accessible through Allpoint Network
- +2 more outcomes
Companies that use TrailWest Bank
Customer profileSegments5 records
Ideal customer profiles5 records
TrailWest Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature3 records
TrailWest Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- TrailWest Foundationcore501(c)(3) nonprofit foundation formed in 2017 following Western Montana wildfires. Bank matches employee donations 4:1, growing initial fund to nearly $95,000. Supports community members facing financial crisis.
- Allpoint NetworkcorePartnership providing TrailWest customers access to over 55,000 surcharge-free ATMs worldwide, including 43,000+ locations in the United States. Customers can locate Allpoint ATMs through the bank's website and mobile app.
- Aurora (Online Banking Platform)coreDigital banking platform provider powering TrailWest's online banking, mobile app, and account management systems. Customers enroll through Aurora's portal and access accounts via trailwest.onlineaurora.com.
- Apple PaycoreDigital wallet integration allowing TrailWest debit card holders to make payments using Apple Pay on iPhone, Apple Watch, and Apple devices.
- Google PaycoreDigital wallet integration allowing TrailWest debit card holders to make payments using Google Pay on Android devices.
- Samsung PaycoreDigital wallet integration allowing TrailWest debit card holders to make payments using Samsung Pay on Samsung devices.
- Bytes Software (Mortgage Lending)coreMortgage application platform powering TrailWest's online home loan applications. Links from trailwest.bank/home-mortgage-lending/ to Bytes Software hosted application.
- FinancialHost (Account Opening)coreOnline account opening platform enabling customers to apply for personal and business accounts through hosted enrollment at oao-trailwest.financialhost.org.
- MastercardcoreDebit card network partnership providing TrailWest customers with Mastercard debit cards featuring unlimited 10¢ cashback rewards on purchases. Cards compatible with digital wallets.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
TrailWest Bank competitors and assessment
Company assessmentBroad incumbents
- U.S. Bancorp: Large national commercial bank with a regional retail and commercial banking presence that competes with TrailWest in Montana's larger markets (Missoula, Kalispell). Comparable product set including consumer checking, mortgage, and commercial lending.
- Glacier Bancorp: Kalispell, Montana-headquartered bank holding company operating multiple community bank divisions across the Western U.S., including Montana. Directly comparable as a Montana-based community banking consolidator with multi-state reach.
- Bank of America: National bank with digital-first consumer offerings and commercial banking capabilities. Competes for retail deposits and small business accounts in TrailWest's footprint, particularly through digital channels.
- JPMorgan Chase: Largest U.S. bank competing in Montana for consumer deposits, mortgages, and small business banking. Represents the digital and capital scale pressure on community banks like TrailWest.
- Wells Fargo: Major national bank with branches across Montana including the markets TrailWest serves. Competitor for consumer deposits, mortgages, and small business lending with significantly larger digital and capital resources.
Direct peers
- First Interstate BancSystem: Billings, Montana-based community bank holding company operating across Montana, Wyoming, and the broader West. Closest direct comparable in scale, community banking model, and Montana footprint overlap.
- Opportunity Bank of Montana: Helena-based Montana community bank with branch presence across Western Montana. Closely comparable community banking model focused on personal, small business, and agricultural lending in the same regional footprint.
- First Security Bank of Missoula: Independent Missoula, Montana community bank serving Western Montana. Direct overlap in Missoula County geography with comparable consumer and small business banking products.
- Stockman Bank: Montana-owned community bank headquartered in Miles City with branches across Montana. Comparable as an independent, Montana-focused community bank with agricultural lending focus and similar deposit/lending mix.
Regional players
- Bozeman Bank (Rocky Mountain Bank): Montana community bank serving southwestern Montana markets. Adjacent geographic peer with similar community banking focus, agricultural and small business lending expertise.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
TrailWest Bank social profiles
Digital presenceTrailWest Bank compliance and trust
Trust signalCompliance2 records
TrailWest Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
TrailWest Bank leadership team
Management profileNumber of profiles
Profiles13 records
TrailWest Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
TrailWest Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TrailWest 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 TrailWest Bank
What does TrailWest Bank do?
TrailWest Bank is an FDIC-insured community bank offering personal and business deposit accounts (checking, savings, money market, IRAs, HSAs, CDs), personal lending (auto, motorcycle, boat, ATV, RV, credit cards), residential mortgage lending (construction, in-house, HELOC), commercial lending (equipment, working capital, lines of credit, commercial real estate), and agricultural lending (property, equipment, livestock, lines of credit). Services are delivered through 18 physical branches, LIVE! video teller machines, an online/mobile banking platform, and a 55,000+ ATM network across Western Montana.
Is TrailWest Bank a public or private company?
TrailWest Bank is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was TrailWest Bank founded?
TrailWest Bank was founded in 1982. It employs 101 to 250 people.
Where is TrailWest Bank based?
TrailWest Bank is headquartered in Lolo, United States, in the North America region.
How does TrailWest Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are checking Account Fees, savings Account Fees and ATM and Transaction Fees.
Who are TrailWest Bank's main competitors?
Broad incumbents on record are U.S. Bancorp, Glacier Bancorp, Bank of America, JPMorgan Chase and Wells Fargo. Direct peers are First Interstate BancSystem, Opportunity Bank of Montana, First Security Bank of Missoula and Stockman Bank. Bozeman Bank (Rocky Mountain Bank) is listed as a regional player.
Does TrailWest Bank have an API?
No public API is recorded for TrailWest Bank.
What industry is TrailWest Bank in?
TrailWest Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52218 and its SIC code is 6036.