Case Study: Farmers State Bank achieves faster, more transparent lending operations with nCino's Bank Operating System

Farmers State Bank - Customer Case Study

Farmers State Bank is a locally owned community bank headquartered in Victor, Montana (about $340M in assets) that has served Western Montana since 1907. Facing manual, paper-based lending processes across multiple branches, the bank lacked enterprise visibility, consistency and the ability to confidently engage customers—creating bottlenecks, inefficiencies and operational risk.

Farmers State Bank implemented nCino’s cloud-based Bank Operating System to unify end-to-end loan origination, document management, CRM and reporting. Within a year the bank achieved faster loan turnaround (some loans processed in 10–30 minutes), higher loan production and interest income, lower interest expense, and improved accountability, transparency and branch consistency.

Farmers State Bank

Kay Clevidence

President and CEO, Farmers State Bank