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Coeur d'Alene Bancorp

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uuid00vo4qp

Namestring
Coeur d'Alene Bancorp
Legal namestring
Coeur D'Alene Bancorp, Inc.
Websiteurl
bankcda.bank
Company typeenum
Public
Founded yearint
2001
Descriptiontext

Coeur d'Alene Bancorp is the publicly traded holding company (OTC: CDAB) for bankcda, a community bank founded in 2001 by forty local leaders in Coeur d'Alene, Idaho. The bank serves individual consumers, small-to-medium businesses, and homebuyers through six branch locations across Northern Idaho (Coeur d'Alene, Hayden, Post Falls, Kellogg) and Eastern Washington (Spokane, Richland/Tri-Cities). As of Q2 2026, total assets stood at $238.6 million, deposits at $210.1 million, and gross loans at $145.7 million.

bankcda's product suite is organized around three pillars: deposit products (personal and business checking tiers, savings, money market, CDs, IRAs, and HSAs); lending products (conventional, FHA, VA, and jumbo mortgages; HELOC and home equity loans; construction and land loans; auto and RV personal loans; and commercial and SBA loans); and digital banking services (iOS and Android mobile apps with mobile deposit, P2P, bill pay, and card controls; personal and business online banking with ACH origination and Positive Pay check fraud detection; QuickBooks, Quicken, and Mint integration; merchant services through a Select Bankcard partnership; Autobooks digital invoicing; and credit monitoring via MyCredit Manager powered by Array). The bank holds SBA Preferred Lender designation for expedited SBA 7(a), Express, and 504 loan processing.

Revenue is generated primarily through net interest income on the loan portfolio — net interest margin was 4.28% in Q2 2026, up from 3.86% a year earlier — supplemented by monthly account maintenance fees, transaction fees on business banking services, merchant services fees through Select Bankcard, and construction loan draw fees. Q2 2026 net income reached $452,337 ($0.24 per share, up 21.3% year-over-year), and H1 2026 net income was $841,472 ($0.44 per share, up 35% year-over-year), reflecting a profitability recovery following the 2025 expansion into Washington State markets.

Short descriptiontext

Coeur d'Alene Bancorp, the publicly traded holding company (OTC: CDAB) for community bank bankcda, serves consumers and small-to-medium businesses through six branches across Northern Idaho and Eastern Washington with deposit, mortgage, SBA lending, and digital banking products.

Operating statusenum
Operating
Ownership categoryenum
akta.pro rankint
HeadquartersCoeur D'alene, United States
HQ citystring
Coeur D'alene
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices6 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
community banking services, commercial lending products, residential mortgage loans, merchant payment processing, small business banking
Industry3 codes
1SBA/USDA Government-Backed Loan Intermediation
CodeFSAEAEAIPrimaryNo
2Bank & Credit Union Personal Loans (Unsecured Installment)
CodeFSAKAAALPrimaryNo
3Balance-Sheet / Portfolio CRE Lending
CodeFSALADAGPrimaryNo
NAICS code1 code
  • Commercial Banking522110
SIC code1 code
  • State Commercial Banks6022
Product category
Community Banking
No data
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model5 records
1Interest Income from Loans
TypeSubscription Recurring
Description

Primary revenue stream from interest earned on lending products including mortgages, home equity loans, construction loans, business loans, SBA loans, and personal loans. Net interest margin was 4.28% in Q2 2026, up from 3.86% a year earlier.

stocktitan.net
2Core Banking Fees
TypeTransaction Fee
Description

Monthly maintenance fees on deposit accounts (e.g., $5/month for CHOICE checking with $750 minimum balance), overdraft fees, and other account service charges.

bankcda.bank
3Merchant Services Fees
TypeTransaction Fee
Description

Fees from payment processing through Select Bankcard partnership, including transaction fees from POS systems, terminals, and gateways.

bankcda.bank
4Business Banking Services
TypeTransaction Fee
Description

Fees for business services including wire transfers, courier services, safe deposit boxes, credit cards, and business checking account analysis fees.

bankcda.bank
5Construction and Land Loan Fees
TypeTransaction Fee
Description

Fees associated with construction loans and land loans, including draw-based disbursements during construction phases.

bankcda.bank
Marketing channels6 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels7 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Pricing details12 tiers
1CHOICE Checking - $750 minimum balance, $5/month fee
ModelSubscriptionBilling cadenceMonthly
Notes

Monthly fee of $5 waived when daily balance is above $750 or combined balances in checking/savings/money market exceed $2,000. Rewards available for direct deposit, estatement enrollment, and debit card transactions.

bankcda.bank
2PREFERRED 50 - Age 50+ with free small safe deposit box
ModelSubscriptionBilling cadenceMonthly
Notes

No minimum balance fee. Exclusive for customers 50 years and older. Monthly statements.

bankcda.bank
3FIRSTRATE CHECKING - $5,000 minimum balance, $10/month fee
ModelSubscriptionBilling cadenceMonthly
Notes

First order of starter checks free. Interest-bearing account with monthly fee waived based on rewards.

bankcda.bank
4Personal Savings - $250 minimum balance, $1/month quarterly fee
ModelSubscriptionBilling cadenceMonthly
Notes

Variable interest rates. Limited to 6 withdrawals per month or statement cycle.

bankcda.bank
5FirstRate Money Market - $9/month fee
ModelSubscriptionBilling cadenceMonthly
Notes

Higher interest earned on tiered balances with access to funds.

bankcda.bank
6Certificate of Deposit - 90 days to 5 year terms
ModelOne time/ perpetual licenseBilling cadencePay-as-you-go
Notes

Fixed interest rates. Penalty for early withdrawal. Online only.

bankcda.bank
7HELOC - $10,000 to $250,000 credit limit
ModelUsage-basedBilling cadencePay-as-you-go
Notes

Competitive loan-to-value ratio up to 80%. FICO score of 660+ required. Interest-only payments on amount used.

bankcda.bank
8Home Equity Loan - Lump sum with fixed rate
ModelOne time/ perpetual licenseBilling cadencePay-as-you-go
Notes

Fixed interest rate for first 60 months, then annual adjustments. FICO score 660+ required.

bankcda.bank
9Small Business Checking - Transaction-based pricing
ModelTransaction based/ take rateBilling cadenceMonthly
Notes

75 debits/credits and 175 deposited items included; additional items at $0.15 each. Fee waived for minimum balance.

bankcda.bank
10Regular Business - $150 debits/credits, $350 deposited items
ModelTransaction based/ take rateBilling cadenceMonthly
Notes

Additional items at $0.15 each.

bankcda.bank
11FirstRate Business - $10,000 minimum, interest-bearing
ModelTransaction based/ take rateBilling cadenceMonthly
Notes

250 debits/credits, 750 deposited items included. Additional items at $0.15 each.

bankcda.bank
12SBA Loans - Preferred Lender Program
ModelTransaction based/ take rateBilling cadencePay-as-you-go
Notes

Government-backed loans including SBA 7(a), SBA Express, SBA 504. Fast local decisions, lower down payments, longer repayment terms.

bankcda.bank
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Core offering1 text field

Coeur d'Alene Bancorp operates as the holding company for bankcda, a community bank delivering consumer and commercial banking products and services. Through six branch locations across Northern Idaho and Eastern Washington, the bank provides deposit accounts, mortgage and home equity lending, construction loans, commercial and SBA loans, merchant services, and digital banking via mobile and online channels.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 2 values shown
  • Net interest margin expanded to 4.28% from 3.86% year-over-year, indicating improved profitability and lending efficiency
+1 more record
Product overview1 text field

Coeur d'Alene Bancorp (BankCDA) operates as a community bank offering a comprehensive suite of banking products and services through six branch locations in Idaho and Washington. The company's product portfolio is organized around core personal and business banking services: deposit products (checking and savings accounts with various tiers), lending products (personal loans, mortgages, home equity products, construction/land loans, and commercial/SBA loans), and digital banking services (mobile banking, online banking, and business online banking with integrated features like bill pay, ACH origination, Positive Pay, and MyCredit Manager). The bank also provides merchant services through a Select Bankcard partnership and Autobooks digital payment processing. Products are delivered through a branch-based model supplemented by digital channels, with SBA lending offered through its Preferred Lender status.

Product and service19 records
1Personal Checking Accounts
CategoryPersonal Deposit Accounts
Description

Personal deposit checking accounts including CHOICE (relationship benefits with $750 minimum and $5 monthly fee), PREFERRED 50 (exclusive for age 50+ with free small safe deposit box), and FIRSTRATE (rewards-based, interest-bearing checking). Designed for individuals seeking everyday banking with local service.

2Personal Savings Accounts
CategoryPersonal Deposit Accounts
Description

Personal savings products including Personal Savings ($250 minimum, variable rate), FIESTA (automated goal-based savings), FirstRate Money Market (tiered balances), Health Savings Account, Junior (under 18), Certificates of Deposit (90 days to 5 year terms, fixed rate), and Individual Retirement Accounts.

3Business Checking Accounts
CategoryBusiness Deposit Accounts
Description

Business deposit accounts including Small Business Checking (low volume, 75 debits/credits included), Regular Business Checking (moderate volume, 150 debits/credits), FirstRate Business (interest-bearing, $10,000 minimum), and Analyzed Business (earnings credit to offset service charges).

4Business Savings Accounts
CategoryBusiness Deposit Accounts
Description

Business savings including Business Savings ($1 minimum), FirstRate Money Market (tiered interest with access), Business Sweep (auto-transfer excess funds to interest-bearing account), and Business Certificates of Deposit (90 days to 5 years).

5Mortgages
CategoryHome Loans
Description

Home mortgage loans including Conventional (Fannie/Freddie, fixed or adjustable), FHA (first-time buyers, 3.5% down), VA (veterans and service members, no down payment), and Jumbo (higher-value homes exceeding conforming limits). Available to homebuyers and refinancing customers.

6Home Equity Line of Credit (HELOC)
CategoryHome Loans
Description

Revolving credit line secured by home equity ranging from $10,000 to $250,000, with up to 80% loan-to-value ratio, interest-only payments on amount used, accessed via check or transfer to checking. FICO score of 660+ required.

7Home Equity Loan
CategoryHome Loans
Description

Lump-sum loan secured by home equity with fixed interest rate for first 60 months, followed by annual rate adjustments, for predictable monthly payments on major expenses. FICO score 660+ required.

8Construction and Land Loans
CategoryHome Loans
Description

Short-term financing for custom home building (funds distributed in stages/draws based on construction milestones) and land loans for purchasing parcels for future home building. Fees associated with draw-based disbursements during construction phases.

9Personal Loans
CategoryConsumer Lending
Description

Consumer lending including auto loans for new or used vehicle financing and recreational vehicle financing (RVs, boats, ATVs, motorcycles) with competitive rates and flexible terms.

10Commercial Business Loans
CategoryCommercial Lending
Description

Business lending for real estate purchase, equipment purchase, new construction, expansion, permanent and temporary working capital, revolving lines of credit, and letters of credit. Offered to local businesses in Idaho and Washington.

11SBA Loans
CategoryCommercial Lending
Description

Small Business Administration loans including SBA 7(a) for purchase/expansion/working capital, SBAExpress revolving lines of credit, SBA 504 loans, and USDA Business & Industry loans. Bank is a designated SBA Preferred Lender enabling faster processing.

12Mobile Banking
CategoryDigital Banking
Description

Mobile banking app for iOS and Android providing account transfers, card control, transaction history, P2P transactions, bill pay, mobile check deposit, wires, and digital wallet support (Apple Pay, Google Pay). Available 24/7.

13Online Banking (My Online Banking)
CategoryDigital Banking
Description

Personal online banking via web browsers for account transfers, transaction history, bill payment, eStatements, and mobile banking enrollment. Accessible via smartphones, tablets, laptops, and desktops.

14Business Online Banking
CategoryDigital Banking
Description

Enhanced online banking for businesses with management tools, additional security authentication, ACH access for payroll and vendor payments, Remote Merchant Capture, and QuickBooks/Quicken/Mint conversion support.

15Bill Pay
CategoryDigital Banking
Description

Online bill payment service accessible through online banking for adding/removing billers, payment reminders, recurring payments, person-to-person payments, and payment history search.

16Merchant Services
CategoryMerchant Services
Description

Payment processing via Select Bankcard partnership including POS systems, standalone terminals, virtual gateways for e-commerce, and integrations with WooCommerce, Lightspeed, QuickBooks, Rectangle Health, and Shopify. Hardware options include Clover Station DUO, PAX A920, VALOR VL100 Pro, and Clover Go.

17Autobooks Digital Payment
CategoryMerchant Services
Description

Digital payment service integrated with eBanking for small businesses to accept payments in person, over the phone, or through digital invoices.

18Business Services
CategoryBusiness Services
Description

Additional business services including cashiers checks, licensed and bonded courier services, notary, safe deposit boxes, domestic and international wire transfers, and tax payment via Electronic Federal Tax Payment System.

19Credit Card Programs
CategoryConsumer Lending
Description

Consumer and business credit cards including Standard Card with no annual fee and Preferred Points Rewards Card.

Scale indicator9 records

Each record includes

Type, Value, Description, Source

Partnership3 partners
Strategic tierCoreTypeChannel Partner/ Reseller/ Distributor
Description

bankcda partners with Select Bankcard to offer merchant services including POS systems, standalone terminals, gateways, and e-commerce integration. The partnership enables businesses to accept card payments in-person and online with equipment, training, support, and next-day funding.

Strategic tierMinorTypeOthers
Description

Stock transfer agent for Coeur d'Alene Bancorp, Inc. Located at 6725 Via Austi Parkway, Suite 300, Las Vegas, NV 89119. Phone: 702-361-3033.

Strategic tierCoreTypeOthers
Description

bankcda is a designated SBA Preferred Lender, enabling faster and more efficient processing of SBA 7(a), SBA Express, and SBA 504 loans for small businesses.

Recent move7 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers10 records
TypeBroad incumbent
Description

National money-center bank with extensive branch networks across Idaho and Washington. A primary 'big bank' competitor cited in bankcda's positioning as the local alternative for community banking customers.

TypeDirect peer
Description

Walla Walla, Washington-based community bank subsidiary of Banner Corporation, with branches throughout the Pacific Northwest and Intermountain West including Idaho. Directly comparable in footprint, community-bank positioning, and small business / CRE lending.

TypeBroad incumbent
Description

National bank with consumer and small business banking across the western U.S. Direct competitor for retail deposits, mortgages, and small business banking within bankcda's operating geography.

TypeDirect peer
Description

Irvine, California-based community bank holding company with a comparable mix of business banking, SBA lending, and CRE focus. While geographically broader, it shares a community-bank M&A-driven growth strategy and SMB deposit franchise model.

TypeDirect peer
Description

Kalispell, Montana-based bank holding company that owns and operates 15+ community banks across Montana, Idaho, Washington, and other western states. Closest direct peer due to identical community-bank acquisition model, multi-state western footprint, and similar SBA and CRE lending focus.

TypeDirect peer
Description

Seattle-based community bank with mortgage, commercial, and consumer banking across the Pacific Northwest. Comparable in size range, community-led positioning, and mix of mortgage and small business lending.

TypeDirect peer
Description

Olympia, Washington-based bank holding company for Heritage Bank, operating community branches across Washington and Oregon. Similar community-bank model with overlapping Pacific Northwest market and comparable SBA and CRE lending capabilities.

TypeBroad incumbent
Description

Minneapolis-based super-regional bank with significant retail and commercial banking presence across the western U.S., including Idaho and Washington. bankcda explicitly positions itself as a local alternative to U.S. Bank; competes in the same footprint.

TypeDirect peer
Description

Seattle-based Washington Federal Bank is a Pacific Northwest community/regional bank with a comparable mix of residential, commercial, and SBA lending and similar deposit-gathering franchise. Closely comparable business model and overlapping Inland Northwest market.

TypeBroad incumbent
Description

Largest U.S. bank with expanding retail branch presence in the Pacific Northwest. Competes for the same consumer and small business deposits bankcda targets, particularly via digital and branch convenience.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat4 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment6 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile3 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

Integration10 records

Each record includes

Title, Type, Description, Source

AI maturity
App detail

Has app

Feature7 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles12 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
Compliance2 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Coeur d'Alene Bancorp

Community Bankingbankcda.bank

Coeur d'Alene Bancorp, the publicly traded holding company (OTC: CDAB) for community bank bankcda, serves consumers and small-to-medium businesses through six branches across Northern Idaho and Eastern Washington with deposit, mortgage, SBA lending, and digital banking products.

What Coeur d'Alene Bancorp does

Coeur d'Alene Bancorp is the publicly traded holding company (OTC: CDAB) for bankcda, a community bank founded in 2001 by forty local leaders in Coeur d'Alene, Idaho. The bank serves individual consumers, small-to-medium businesses, and homebuyers through six branch locations across Northern Idaho (Coeur d'Alene, Hayden, Post Falls, Kellogg) and Eastern Washington (Spokane, Richland/Tri-Cities). As of Q2 2026, total assets stood at $238.6 million, deposits at $210.1 million, and gross loans at $145.7 million.

bankcda's product suite is organized around three pillars: deposit products (personal and business checking tiers, savings, money market, CDs, IRAs, and HSAs); lending products (conventional, FHA, VA, and jumbo mortgages; HELOC and home equity loans; construction and land loans; auto and RV personal loans; and commercial and SBA loans); and digital banking services (iOS and Android mobile apps with mobile deposit, P2P, bill pay, and card controls; personal and business online banking with ACH origination and Positive Pay check fraud detection; QuickBooks, Quicken, and Mint integration; merchant services through a Select Bankcard partnership; Autobooks digital invoicing; and credit monitoring via MyCredit Manager powered by Array). The bank holds SBA Preferred Lender designation for expedited SBA 7(a), Express, and 504 loan processing.

Revenue is generated primarily through net interest income on the loan portfolio — net interest margin was 4.28% in Q2 2026, up from 3.86% a year earlier — supplemented by monthly account maintenance fees, transaction fees on business banking services, merchant services fees through Select Bankcard, and construction loan draw fees. Q2 2026 net income reached $452,337 ($0.24 per share, up 21.3% year-over-year), and H1 2026 net income was $841,472 ($0.44 per share, up 35% year-over-year), reflecting a profitability recovery following the 2025 expansion into Washington State markets.

Coeur d'Alene Bancorp firmographics

Firmographics
Name
Coeur d'Alene Bancorp
Legal name
Coeur D'Alene Bancorp, Inc.
Website
https://bankcda.bank
Company type
Public
Founded year
2001
Operating status
Operating
Short description
Coeur d'Alene Bancorp, the publicly traded holding company (OTC: CDAB) for community bank bankcda, serves consumers and small-to-medium businesses through six branches across Northern Idaho and Eastern Washington with deposit, mortgage, SBA lending, and digital banking products.
Ownership category
akta.pro rank

Where Coeur d'Alene Bancorp is headquartered

Location

Headquarters

HQ city
Coeur D'alene
HQ country
United States
HQ region
North America

Offices6 records

Markets served

Coeur d'Alene Bancorp business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

  1. Interest Income from Loans: Primary revenue stream from interest earned on lending products including mortgages, home equity loans, construction loans, business loans, SBA loans, and personal loans. Net interest margin was 4.28% in Q2 2026, up from 3.86% a year earlier.
  2. Core Banking Fees: Monthly maintenance fees on deposit accounts (e.g., $5/month for CHOICE checking with $750 minimum balance), overdraft fees, and other account service charges.
  3. Merchant Services Fees: Fees from payment processing through Select Bankcard partnership, including transaction fees from POS systems, terminals, and gateways.
  4. Business Banking Services: Fees for business services including wire transfers, courier services, safe deposit boxes, credit cards, and business checking account analysis fees.
  5. Construction and Land Loan Fees: Fees associated with construction loans and land loans, including draw-based disbursements during construction phases.

Pricing tiers

ModelBillingPrice
SubscriptionMonthlyCHOICE Checking - $750 minimum balance, $5/month fee
SubscriptionMonthlyPREFERRED 50 - Age 50+ with free small safe deposit box
SubscriptionMonthlyFIRSTRATE CHECKING - $5,000 minimum balance, $10/month fee
SubscriptionMonthlyPersonal Savings - $250 minimum balance, $1/month quarterly fee
SubscriptionMonthlyFirstRate Money Market - $9/month fee
One time/ perpetual licensePay-as-you-goCertificate of Deposit - 90 days to 5 year terms
Usage-basedPay-as-you-goHELOC - $10,000 to $250,000 credit limit
One time/ perpetual licensePay-as-you-goHome Equity Loan - Lump sum with fixed rate
Transaction based/ take rateMonthlySmall Business Checking - Transaction-based pricing
Transaction based/ take rateMonthlyRegular Business - $150 debits/credits, $350 deposited items
Transaction based/ take rateMonthlyFirstRate Business - $10,000 minimum, interest-bearing
Transaction based/ take ratePay-as-you-goSBA Loans - Preferred Lender Program

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Coeur d'Alene Bancorp product offering

Product offering

Core offering

Coeur d'Alene Bancorp operates as the holding company for bankcda, a community bank delivering consumer and commercial banking products and services. Through six branch locations across Northern Idaho and Eastern Washington, the bank provides deposit accounts, mortgage and home equity lending, construction loans, commercial and SBA loans, merchant services, and digital banking via mobile and online channels.

Product overview

Coeur d'Alene Bancorp (BankCDA) operates as a community bank offering a comprehensive suite of banking products and services through six branch locations in Idaho and Washington. The company's product portfolio is organized around core personal and business banking services: deposit products (checking and savings accounts with various tiers), lending products (personal loans, mortgages, home equity products, construction/land loans, and commercial/SBA loans), and digital banking services (mobile banking, online banking, and business online banking with integrated features like bill pay, ACH origination, Positive Pay, and MyCredit Manager). The bank also provides merchant services through a Select Bankcard partnership and Autobooks digital payment processing. Products are delivered through a branch-based model supplemented by digital channels, with SBA lending offered through its Preferred Lender status.

Differentiator

Problem solved

Functional benefit

Products and services

  • Personal Checking Accounts Personal deposit checking accounts including CHOICE (relationship benefits with $750 minimum and $5 monthly fee), PREFERRED 50 (exclusive for age 50+ with free small safe deposit box), and FIRSTRATE (rewards-based, interest-bearing checking). Designed for individuals seeking everyday banking with local service.
  • Personal Savings Accounts Personal savings products including Personal Savings ($250 minimum, variable rate), FIESTA (automated goal-based savings), FirstRate Money Market (tiered balances), Health Savings Account, Junior (under 18), Certificates of Deposit (90 days to 5 year terms, fixed rate), and Individual Retirement Accounts.
  • Business Checking Accounts Business deposit accounts including Small Business Checking (low volume, 75 debits/credits included), Regular Business Checking (moderate volume, 150 debits/credits), FirstRate Business (interest-bearing, $10,000 minimum), and Analyzed Business (earnings credit to offset service charges).
  • Business Savings Accounts Business savings including Business Savings ($1 minimum), FirstRate Money Market (tiered interest with access), Business Sweep (auto-transfer excess funds to interest-bearing account), and Business Certificates of Deposit (90 days to 5 years).
  • Mortgages Home mortgage loans including Conventional (Fannie/Freddie, fixed or adjustable), FHA (first-time buyers, 3.5% down), VA (veterans and service members, no down payment), and Jumbo (higher-value homes exceeding conforming limits). Available to homebuyers and refinancing customers.
  • Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity ranging from $10,000 to $250,000, with up to 80% loan-to-value ratio, interest-only payments on amount used, accessed via check or transfer to checking. FICO score of 660+ required.
  • Home Equity Loan Lump-sum loan secured by home equity with fixed interest rate for first 60 months, followed by annual rate adjustments, for predictable monthly payments on major expenses. FICO score 660+ required.
  • Construction and Land Loans Short-term financing for custom home building (funds distributed in stages/draws based on construction milestones) and land loans for purchasing parcels for future home building. Fees associated with draw-based disbursements during construction phases.
  • Personal Loans Consumer lending including auto loans for new or used vehicle financing and recreational vehicle financing (RVs, boats, ATVs, motorcycles) with competitive rates and flexible terms.
  • Commercial Business Loans Business lending for real estate purchase, equipment purchase, new construction, expansion, permanent and temporary working capital, revolving lines of credit, and letters of credit. Offered to local businesses in Idaho and Washington.
  • SBA Loans Small Business Administration loans including SBA 7(a) for purchase/expansion/working capital, SBAExpress revolving lines of credit, SBA 504 loans, and USDA Business & Industry loans. Bank is a designated SBA Preferred Lender enabling faster processing.
  • Mobile Banking Mobile banking app for iOS and Android providing account transfers, card control, transaction history, P2P transactions, bill pay, mobile check deposit, wires, and digital wallet support (Apple Pay, Google Pay). Available 24/7.
  • Online Banking (My Online Banking) Personal online banking via web browsers for account transfers, transaction history, bill payment, eStatements, and mobile banking enrollment. Accessible via smartphones, tablets, laptops, and desktops.
  • Business Online Banking Enhanced online banking for businesses with management tools, additional security authentication, ACH access for payroll and vendor payments, Remote Merchant Capture, and QuickBooks/Quicken/Mint conversion support.
  • Bill Pay Online bill payment service accessible through online banking for adding/removing billers, payment reminders, recurring payments, person-to-person payments, and payment history search.
  • Merchant Services Payment processing via Select Bankcard partnership including POS systems, standalone terminals, virtual gateways for e-commerce, and integrations with WooCommerce, Lightspeed, QuickBooks, Rectangle Health, and Shopify. Hardware options include Clover Station DUO, PAX A920, VALOR VL100 Pro, and Clover Go.
  • Autobooks Digital Payment Digital payment service integrated with eBanking for small businesses to accept payments in person, over the phone, or through digital invoices.
  • Business Services Additional business services including cashiers checks, licensed and bonded courier services, notary, safe deposit boxes, domestic and international wire transfers, and tax payment via Electronic Federal Tax Payment System.
  • Credit Card Programs Consumer and business credit cards including Standard Card with no annual fee and Preferred Points Rewards Card.

Quantifiable outcome

  • Net interest margin expanded to 4.28% from 3.86% year-over-year, indicating improved profitability and lending efficiency
  • +1 more outcomes

Companies that use Coeur d'Alene Bancorp

Customer profile

Segments6 records

Ideal customer profiles3 records

Coeur d'Alene Bancorp technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration10 records

Feature7 records

Coeur d'Alene Bancorp partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core and minor.

  • Select BankcardcoreChannel Partner/ Reseller/ Distributorbankcda partners with Select Bankcard to offer merchant services including POS systems, standalone terminals, gateways, and e-commerce integration. The partnership enables businesses to accept card payments in-person and online with equipment, training, support, and next-day funding.
  • Pacific Stock Transfer CompanyminorOthersStock transfer agent for Coeur d'Alene Bancorp, Inc. Located at 6725 Via Austi Parkway, Suite 300, Las Vegas, NV 89119. Phone: 702-361-3033.
  • U.S. Small Business Administration (SBA)coreOthersbankcda is a designated SBA Preferred Lender, enabling faster and more efficient processing of SBA 7(a), SBA Express, and SBA 504 loans for small businesses.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Coeur d'Alene Bancorp competitors and assessment

Company assessment

Broad incumbents

  • Wells Fargo: National money-center bank with extensive branch networks across Idaho and Washington. A primary 'big bank' competitor cited in bankcda's positioning as the local alternative for community banking customers.
  • Bank of America: National bank with consumer and small business banking across the western U.S. Direct competitor for retail deposits, mortgages, and small business banking within bankcda's operating geography.
  • U.S. Bancorp: Minneapolis-based super-regional bank with significant retail and commercial banking presence across the western U.S., including Idaho and Washington. bankcda explicitly positions itself as a local alternative to U.S. Bank; competes in the same footprint.
  • JPMorgan Chase: Largest U.S. bank with expanding retail branch presence in the Pacific Northwest. Competes for the same consumer and small business deposits bankcda targets, particularly via digital and branch convenience.

Direct peers

  • Banner Bank: Walla Walla, Washington-based community bank subsidiary of Banner Corporation, with branches throughout the Pacific Northwest and Intermountain West including Idaho. Directly comparable in footprint, community-bank positioning, and small business / CRE lending.
  • Pacific Premier Bancorp: Irvine, California-based community bank holding company with a comparable mix of business banking, SBA lending, and CRE focus. While geographically broader, it shares a community-bank M&A-driven growth strategy and SMB deposit franchise model.
  • Glacier Bancorp: Kalispell, Montana-based bank holding company that owns and operates 15+ community banks across Montana, Idaho, Washington, and other western states. Closest direct peer due to identical community-bank acquisition model, multi-state western footprint, and similar SBA and CRE lending focus.
  • HomeStreet Bank: Seattle-based community bank with mortgage, commercial, and consumer banking across the Pacific Northwest. Comparable in size range, community-led positioning, and mix of mortgage and small business lending.
  • Heritage Financial Corporation: Olympia, Washington-based bank holding company for Heritage Bank, operating community branches across Washington and Oregon. Similar community-bank model with overlapping Pacific Northwest market and comparable SBA and CRE lending capabilities.
  • WaFd Bank: Seattle-based Washington Federal Bank is a Pacific Northwest community/regional bank with a comparable mix of residential, commercial, and SBA lending and similar deposit-gathering franchise. Closely comparable business model and overlapping Inland Northwest market.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Coeur d'Alene Bancorp compliance and trust

Trust signal

Compliance2 records

Coeur d'Alene Bancorp financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Coeur d'Alene Bancorp leadership team

Management profile

Number of profiles

Profiles12 records

Coeur d'Alene Bancorp funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Coeur d'Alene Bancorp M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coeur d'Alene Bancorp

What does Coeur d'Alene Bancorp do?

Coeur d'Alene Bancorp operates as the holding company for bankcda, a community bank delivering consumer and commercial banking products and services. Through six branch locations across Northern Idaho and Eastern Washington, the bank provides deposit accounts, mortgage and home equity lending, construction loans, commercial and SBA loans, merchant services, and digital banking via mobile and online channels.

Is Coeur d'Alene Bancorp a public or private company?

Coeur d'Alene Bancorp is a public company. It is classified as public and is currently operating.

When was Coeur d'Alene Bancorp founded?

Coeur d'Alene Bancorp was founded in 2001.

Where is Coeur d'Alene Bancorp based?

Coeur d'Alene Bancorp is headquartered in Coeur D'alene, United States, in the North America region.

How does Coeur d'Alene Bancorp make money?

Five revenue lines are on record. Interest Income from Loans are the primary driver. The others are core Banking Fees, merchant Services Fees, business Banking Services and construction and Land Loan Fees.

Who are Coeur d'Alene Bancorp's main competitors?

Broad incumbents on record are Wells Fargo, Bank of America, U.S. Bancorp and JPMorgan Chase. Direct peers are Banner Bank, Pacific Premier Bancorp, Glacier Bancorp, HomeStreet Bank, Heritage Financial Corporation and WaFd Bank.

Does Coeur d'Alene Bancorp have an API?

No public API is recorded for Coeur d'Alene Bancorp.

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Live signals
FinancialContent Business PageCoeur d’Alene Bancorp Announces Its Second Quarter 2026 ResultsCoeur d'Alene Bancorp reported net income of $452,337 ($0.24 per share) for Q2 2026, a 21% increase year-over-year, with growth in both loans and deposits driving improved profitability. The company also reported H1 2026 net income of $841,472 ($0.44 per share), up 35% from the prior year period, as total assets reached $238.6 million and deposits grew 7.5% year-over-year to $210.1 million. The net interest margin expanded to 4.28% from 3.86%, with the CEO noting a return to historic profit levels after last year's dip related to expansion into new markets.Stock TitanCoeur d’Alene Bancorp Q2 profit rises to $452KCoeur d'Alene Bancorp reported Q2 2026 net income of $452,337, or $0.24 per share, up 21.3% from $372,894 in Q2 2025. Total assets grew 5.1% year-over-year to $238.6 million, gross loans increased 5.9% to $145.7 million, and deposits rose 7.5% to $210.1 million. The bank's net interest margin improved to 4.28% from 3.86% a year earlier, while return on average assets reached 0.72% and return on average equity was 6.42% for the six-month period.MorningstarCoeur d’Alene Bancorp Announces Its Second Quarter 2026 ResultsCoeur d'Alene Bancorp reported Q2 2026 net income of $452,337, up from $372,894 in Q2 2025, and six-month net income of $841,472, up from $622,653. Total assets rose 5.1% to $238.6 million, and deposits increased 7.5% to $210.1 million.