Coeur d'Alene Bancorp

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.

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

Headquarters

HQ city

Coeur D'alene

HQ country

United States

HQ region

North America

Offices6 records

Markets served

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

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

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

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature7 records

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

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

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Coeur d'Alene Bancorp