Question 1

What is BankCDA?

Accepted Answer

BankCDA is a community-focused commercial bank serving the Inland Northwest region. Headquartered in Coeur d'Alene, Idaho, the bank operates with approximately $237 million in assets and maintains seven offices across Idaho and Washington.

The institution emphasizes its status as a locally owned and operated bank, positioning itself as the only remaining independent bank based in North Idaho. BankCDA specializes in commercial lending while providing comprehensive personal and business banking services to customers throughout the region.

Question 2

When was BankCDA founded?

Accepted Answer

BankCDA was founded in 2001 as a subsidiary of Coeur d'Alene Bancorp. The bank was established by local investors who sought to create a community banking alternative in the Coeur d'Alene area.

The institution opened with a mission to provide nimble, locally-focused banking services that keep capital within the Inland Northwest community. Since its founding, BankCDA has grown from a single location to a multi-state presence while maintaining its independent, community bank structure.

Question 3

Where is BankCDA headquartered?

Accepted Answer

BankCDA is headquartered in Coeur d'Alene, Idaho, with its main office located at 912 Northwest Boulevard. The bank's corporate offices are also housed at this location in Kootenai County.

Question 4

Where does BankCDA operate?

Accepted Answer

BankCDA operates seven offices across the Inland Northwest region. In Idaho, the bank maintains locations in Coeur d'Alene, Post Falls, Hayden, and Kellogg.

The bank has expanded into Washington state with offices in Spokane, Spokane Valley, and the Tri-Cities area (Richland). In 2025, BankCDA opened its first Tri-Cities location under the leadership of market president Shelly Romine, with plans for additional branches in the region.

Question 5

What services does BankCDA offer?

Accepted Answer

BankCDA provides a comprehensive suite of banking services for both personal and business customers. Personal banking services include checking and savings accounts, home loans, personal loans, and debit cards with Visa functionality.

For business customers, the bank offers commercial banking services, business loans, and merchant services. The bank emphasizes its ability to make quick lending decisions locally without excessive red tape.

Digital banking capabilities include a mobile app with features such as mobile check deposit, person-to-person payments, bill pay, fund transfers, and instant balance reviews. The bank also provides online banking platforms and 24-hour account access.

Question 6

What makes BankCDA unique?

Accepted Answer

BankCDA distinguishes itself as the only locally owned and operated bank remaining in North Idaho. The bank emphasizes its nimbleness and capacity to make quick decisions and exceptions when needed, contrasting with larger regional or national banks.

All deposits stay within the Inland Northwest community, supporting local economic development. The bank prides itself on employing local staff who understand the region and provide exceptional customer service as a standard practice.

With its commercial lending specialization, BankCDA positions itself as particularly well-suited for small and medium-sized commercial customers who need customized solutions and rapid turnaround times. The bank's tagline, "Bank like a local," reflects its community-focused approach.

Question 7

What type of financial institution is BankCDA?

Accepted Answer

BankCDA is a commercial bank operating under a state charter as an FDIC-insured institution. As a state-chartered bank, it is supervised by the FDIC and is not a member of the Federal Reserve System.

The bank operates with a commercial lending specialization, focusing primarily on serving business customers while also providing full retail banking services. BankCDA maintains fiduciary powers but does not currently exercise trust powers.

As a community bank, it emphasizes relationship banking and local decision-making, with approximately 41 employees serving customers across its seven-office network.

BankCDA

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About BankCDA in the United States