Wyoming Community Bank

What Wyoming Community Bank does

Wyoming Community Bank is an FDIC-insured community bank headquartered in Riverton, Wyoming, serving Fremont County since 1998. The bank operates four physical branches (Riverton, Lander, Dubois, and Wyoming Community Finance) and delivers a standard retail and small-business banking product set: personal and business checking and savings accounts, certificates of deposit, personal loans (including auto), mortgage loans, commercial loans, agricultural (AG) loans, merchant services, and personal and business card services. Channel delivery combines the four-branch network with a web-based online banking platform, a companion mobile banking application (which embeds Zelle for person-to-person payments), and MasterCard-branded debit card issuance, while loan origination is augmented through third-party technology integrations with MeridianLink (mortgages) and LoanS PQ (personal/auto loans).

The bank's revenue model is a classic community bank spread business: net interest income from lending (consumer, mortgage, commercial, agricultural) and deposit-taking funds the bulk of revenue, with fee and interchange contribution from merchant services, card services, wire instructions, and account-related fees. Pricing on deposit products is publicly disclosed, with a Rewards Checking APY of 2.99% on balances up to $25,000, a 6-month CD at 3.38% APY, and a 12-month CD at 3.10% APY; loan and account fee schedules are not publicly disclosed. Customer segmentation is horizontal and localized across three primary groups — personal banking customers, local business/corporate customers, and agricultural customers in Fremont County and across Wyoming — with no enterprise-scale or institutional client base indicated.

Operationally, Wyoming Community Bank is an independent, privately held institution with no parent company, holding company structure, or external institutional ownership identified. The leadership team disclosed includes CEO Scott Estep, Founder Kathi McKee, and Senior Vice President Victor R. Allen, with broader board and staff referenced on the company site. The bank reported a single funding event in May 2021 and has not disclosed additional capital raises, M&A activity, or strategic transactions in the available material, consistent with the operating profile of a small, stable, locally governed community bank.

Name

Wyoming Community Bank

Legal name

Wyoming Community Bank

Website

https://wyocb.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Wyoming Community Bank is an FDIC-insured community bank headquartered in Riverton, Wyoming, serving Fremont County since 1998 with personal and business deposit accounts, consumer, mortgage, commercial, and agricultural loans, merchant services, and digital banking across four branches.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSAKAAAL

Bank & Credit Union Personal Loans (Unsecured Installment)

Financial & Insurance/Lending & Consumer Finance/Personal Loans (Unsecured Installment)

SECONDARYFSALADAG

Balance-Sheet / Portfolio CRE Lending

Financial & Insurance/Mortgage & Housing Finance/Commercial & Multifamily Mortgage Lending

Keywords

• Community banking services
• Retail deposit accounts
• Commercial lending
• Agricultural loans
• Mortgage lending

Headquarters

HQ city

Riverton

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: The bank generates revenue through interest earned on loan products including personal loans, mortgage loans, commercial loans, and agricultural (AG) loans. Interest rates are competitive, as evidenced by published APYs on deposit products.
2. Deposit Taking and Interest Payments: The bank collects deposits from personal and business customers, paying interest on savings and checking accounts while using those funds for lending activities. Fee income is generated through various account services including card services and merchant services.
3. Fee-Based Services: Revenue generated from fee-based services including merchant services for business customers, card services (both personal and business), wire instructions, and potentially other banking service fees as disclosed in their fee schedule.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Wyoming Community Bank is a community bank that takes deposits and extends credit to individuals, businesses, and agricultural operators in Fremont County, Wyoming. Its core offering covers personal and business checking and savings accounts, personal loans (including auto), mortgage loans, commercial loans, and agricultural (AG) loans, supported by merchant services, debit/credit card services, online and mobile banking, and Zelle person-to-peer payments.

Product overview

Wyoming Community Bank is a community bank serving Fremont County, Wyoming since 1998, offering a unified banking platform with personal and business deposit accounts (checking and savings), diverse lending products (personal loans, mortgage loans, commercial loans, and AG loans), and supplementary services (merchant services, card services, online and mobile banking). The bank operates as a single-integrated institution with products available across four physical branch locations (Lander, Dubois, Riverton, and Wyoming Community Finance), supported by third-party platforms for mortgage and personal loan applications.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal deposit checking account for individual consumers, including online banking, electronic statements, MasterCard debit card access, and unlimited check writing on eligible accounts.
• Personal Savings Personal savings account for individual consumers to accumulate funds, supported by online banking access and electronic statements.
• Business Checking Business deposit checking account for local businesses, with online banking platform access for managing business finances.
• Business Savings Business savings account for depositing and growing business funds.
• Personal Loans Installment loans for personal use including auto loans, applied for online through the third-party LoanS PQ platform and processed by Wyoming Community Bank.
• Mortgage Loans Home mortgage loans with customized options and personalized customer service, with online applications processed through the MeridianLink platform.
• Commercial Loans Loan products designed for commercial and business purposes including real estate and equipment financing.
• AG Loans Agricultural loans tailored for farming and ranching operations in Fremont County and throughout Wyoming.
• Merchant Services Payment processing services enabling business merchants to accept card transactions.
• Personal Card Services Debit and credit card management services for personal account holders, including card security features.
• Business Card Services Card products and services designed for business account holders.

Quantifiable outcome

• Rewards Checking APY of 2.99% on balances up to $25,000
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Six partnerships are on record, tiered supporting, core and minor.

• MeridianLinksupportingTechnology or IntegrationWyoming Community Bank uses MeridianLink's online mortgage application platform (app.mortgage.meridianlink.com) to enable customers to apply for mortgage loans digitally. This third-party platform integration allows for streamlined mortgage application processing.
• LoanS PQsupportingTechnology or IntegrationWyoming Community Bank partners with LoanS PQ for personal loan applications, providing an online platform for customers to apply for personal loans including auto loans. The platform handles the application intake process.
• MasterCardsupportingTechnology or IntegrationWyoming Community Bank issues MasterCard debit cards to customers, integrating the MasterCard payment network for card transactions and ATM withdrawals. This provides customers with broad acceptance for purchases.
• ZellesupportingTechnology or IntegrationWyoming Community Bank offers Zelle person-to-person payment integration, enabling customers to send money to friends and family using their mobile banking app. Zelle is a popular P2P payment network.
• FDIC (Federal Deposit Insurance Corporation)coreOthersWyoming Community Bank is FDIC-insured, backed by the full faith and credit of the U.S. Government. This federal deposit insurance protects depositors up to the legal limit.
• Check Printing SolutionsminorChannel Partner/ Reseller/ DistributorWyoming Community Bank offers check reordering through Check Printing Solutions, a third-party provider for official bank checks. Customers can reorder checks through this channel partner.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Wyoming Bank & Trust: A Wyoming-based community bank operating in markets adjacent to Wyoming Community Bank with comparable deposit, lending, and ag-finance products; direct overlap on customer profile (ranch/farm and small business) and product mix.
• Central Bank & Trust (Lander, WY): Headquartered in Lander, Wyoming — the same town as Wyoming Community Bank's Lander Branch — making it a head-to-head competitor for the same Fremont County deposit and small-business lending pool.
• First Northern Bank of Wyoming: A Wyoming state-chartered community bank with a similar rural, agriculture-tilted lending model; comparable in scale, geography (Wyoming), and customer base to Wyoming Community Bank.
• Hilltop National Bank: Wyoming-based community bank operating with personal, business, and agricultural banking products; comparable deposit-gathering model and Wyoming customer profile, though somewhat larger scale.

Broad incumbents

• First Interstate BancSystem: Large regional bank holding company with significant Wyoming branch presence; competes for the same Wyoming consumer, business, and agricultural customers as Wyoming Community Bank but with materially larger balance sheet and broader product set.
• Glacier Bancorp: Multi-state community bank holding company operating across the Mountain West; competes for agricultural and small-business customers in rural markets similar to Fremont County and serves as a relevant comparable for community-bank economics.
• Pinnacle Financial Partners: Community-bank holding company with a relationship-banking model, multiple loan categories, and treasury/payments services; relevant for benchmarking Wyoming Community Bank's diversified community-bank strategy at larger scale.
• WSFS Financial Corporation: Community-oriented bank holding company offering consumer, business, and wealth products with a regional branch model; relevant comparable for deposit gathering, lending mix, and digital integration economics at small-bank scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/wyomingcommunitybank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

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 Wyoming Community Bank