A community bank for Idaho, built the careful way.
Reserve Community Bank is being organized to serve one Idaho community with local deposits, local credit decisions, conservative lending, and modern digital banking — with the capital and controls a bank should have before it opens its doors.
Plain banking, done well.
No cryptocurrency. No banking-as-a-service. No rate-chasing deposits from across the country. A bank that knows its customers, keeps a large cushion of cash and Treasuries, and lends on things it understands.
Deposits you can count on
Checking, savings, money-market and CD accounts for households and businesses, with debit cards, ACH, wires, mobile deposit and treasury tools for local companies.
Lending that makes sense
Owner-occupied commercial real estate, home mortgages, secured small-business loans, auto and other secured consumer credit — underwritten locally, by people who will still be here next year.
Technology without the risk
A proven hosted core and a full digital banking app from established bank-technology providers, with the bank keeping every risk decision in-house.
Fast-growing communities deserve a bank that decides locally.
Idaho has been among the fastest-growing states in the country. New households and new businesses arrive every month — while many of the community banks that once served them have been absorbed into regional and national institutions whose credit decisions are made somewhere else.
We are evaluating a single primary market — with the western Treasure Valley growth corridor as our working preference — through an independent feasibility study, and we will choose on one test only: where a locally accountable bank is genuinely needed.
Our commitments
- Capitalized above what regulators require, not at the statutory minimum
- At least a quarter of assets in cash and short U.S. Treasuries and agencies
- Funded by local core deposits — no brokered or listing-service money
- Conservative, understandable lending with hard concentration limits
- A dedicated compliance and BSA/AML officer from day one
- Independent audit, loan review and penetration testing every year
From organization to opening day.
Chartering a bank is a regulated process with the Idaho Department of Finance, the FDIC and the Federal Reserve. Here is where we are.
- Pre-filingMeetings with the Idaho Department of Finance and the FDIC to test the plan
- Feasibility & teamIndependent market study; recruit CEO, CFO, credit and compliance leaders; seat the board
- ApplicationInteragency charter and deposit-insurance application filed with Idaho and the FDIC
- Contingent authorizationRegulators' initial decision on the application
- Capital & buildOffering closes into escrow; systems, policies and staff in place; pre-opening exam
- OpeningCharter and insurance issued; first customers
We are assembling the organizing group.
A de novo bank is only as good as the bankers who run it and the directors who oversee them. We are looking for experienced Idaho and Mountain-West community bankers and community leaders who want to build something durable.
Roles we're recruiting
- President / Chief Executive Officer
- Chief Financial Officer / Controller
- Chief Credit Officer
- Compliance and BSA/AML Officer
- Operations / Deposit Officer
- Independent directors: banking, credit, accounting, legal, technology, community
Follow our progress.
Tell us who you are and we'll keep you posted as the organization moves forward. Community members, business owners and banking professionals are all welcome.
Investor information is not available on this website. Any securities of Reserve Bancorp, Inc. will be offered only through a definitive offering document, to eligible persons, in compliance with federal and Idaho securities laws.