Big Horn Federal Savings Bank

What Big Horn Federal Savings Bank does

Big Horn Federal Savings Bank is a federally chartered, privately held community savings bank founded in 1935 and headquartered in Greybull, Wyoming. It operates six full-service branches across the Big Horn Basin — Greybull, Cody, Thermopolis, Powell, Lovell, and Worland — supplemented by an ATM network spanning at least ten surrounding communities. The bank serves local consumers, small businesses, farmers, and ranchers, offering a complete retail banking product set including RAMCheck checking accounts, RAMSave savings accounts, money market accounts, certificates of deposit (91 days to 8 years), and IRA products. Lending products cover consumer loans (auto, personal), residential mortgages (fixed, adjustable, VA, Freddie Mac, construction), home equity and home improvement loans, plus commercial and agricultural loans for local business and farm/ranch operations.

The bank's technology platform centers on a standard community-banking stack: a third-party online banking portal (web1.secureinternetbank.com), the "Big Horn Federal Mobile" app on iOS and Android, Zelle for peer-to-peer transfers, CheckFree PAY for bill payment, EMV chip debit cards with Card Valet management, mobile deposit capture, and 24-hour telephone banking in English and Spanish. Revenue is generated primarily through net interest income on the loan-to-deposit spread, supplemented by account maintenance fees ($3–$10/month on non-free checking), dormancy fees, overdraft fees, and ancillary service charges; the bank previously earned fee income from its Ram's Head Insurance subsidiary, divested in June 2026. Distribution is traditional community-banking: physical branches with drive-up and lobby service, supported by community involvement and word-of-mouth. As of the CEO's most recent statement, the bank approaches $400 million in total assets.

Name

Big Horn Federal Savings Bank

Legal name

Big Horn Federal Savings Bank

Website

https://bighornfederal.com

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

11–50 employees

Short description

Big Horn Federal Savings Bank is a privately held, federally chartered community bank founded in 1935, serving consumers, small businesses, farmers, and ranchers across six branches in Wyoming's Big Horn Basin with a full suite of deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Headquarters

HQ city

Greybull

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue from spread between interest earned on loans (consumer, mortgage, commercial, agricultural) and interest paid on deposits (checking, savings, money market, CDs). Interest rates vary by account type and balance tier.
2. Account Service Fees: Monthly maintenance fees on certain checking accounts ($3-$10/month), dormancy fees ($5/month after 12 months inactivity), early closure fees ($25), overdraft fees, and ATM fees. Bill pay is free for most account types.
3. Insurance and Investment Services: Previously offered through Rams Head Financial Services division. As of June 2026, insurance operations were sold to TC Insurance Group LLC (Cowboy State Financial). Bank retained ownership of the Rams Head Financial Services building.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Big Horn Federal Savings Bank is a community savings bank that takes deposits (checking, savings, money market, CDs, IRAs) and makes loans (consumer, mortgage, home equity, home improvement, commercial, agricultural) for individuals, businesses, and farms in Wyoming's Big Horn Basin. Services are delivered through six branches, an ATM network, online banking, mobile banking with mobile deposit and Zelle, telephone banking, Visa debit cards, and safe deposit boxes.

Product overview

Big Horn Federal Savings Bank is a traditional community bank offering a comprehensive suite of financial products and services across Wyoming's Big Horn Basin. The bank operates a multi-channel banking platform centered around Online Banking and Mobile Banking (apps available on Apple App Store and Google Play), with integrated services including Zelle® peer-to-peer payments, Online Bill Payment via CheckFree PAY, and Visa®/ATM card services. The core deposit products include RAMCheck checking accounts (with variants for students, seniors, businesses, and interest-bearing options) and RAMSave savings accounts (including passbook, health savings, Christmas club, and youth accounts), plus Certificates of Deposit with terms up to 8 years. Lending products span consumer loans (automobiles, personal needs), home mortgages (fixed and adjustable rate, VA, Freddie Mac, construction), home equity and improvement loans, and commercial/agricultural loans. The bank previously operated Ram's Head Insurance through a subsidiary, sold in June 2026, and provides investment services through Ram's Head Financial Services. ATM access is available through the CIRRUS & PLUS networks, and 24/7 support is provided via telephone banking in English and Spanish.

Differentiator

Problem solved

Functional benefit

Brands

• RAMCheck: Checking account product line including FREE RAMCheck, Regular RAMCheck, Interest RAMCheck, Premium RAMCheck, Student RAMCheck, 55 Plus RAMCheck, and Business RAMCheck variants.
• RAMSave
• RAM Money Market
• Rams Head Financial Services

Products and services

• RAMCheck Checking Accounts

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

One partnership is on record.

• Zelle® (Early Warning Services, LLC)coreTechnology or IntegrationPartnership with Zelle® to provide instant person-to-person money transfer services through online banking and mobile app. Customers can send money directly from their account to enrolled recipients using email address or U.S. mobile number. Big Horn Federal does not charge fees for Zelle® transactions.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Glacier Bancorp: Regional bank holding company based in Kalispell, Montana, with community bank subsidiaries across the Western US including ANB Bank in Wyoming. Comparable as a larger regional community banking consolidator with overlapping Wyoming market presence and an active M&A strategy.
• First Interstate BancSystem: Regional bank holding company headquartered in Billings, Montana, operating across Wyoming, Montana, Idaho, Oregon, Washington, and Nebraska. Comparable as a larger regional incumbent with significant Wyoming branch presence competing for the same deposit and lending customers as Big Horn Federal.
• U.S. Bank: National bank with branches across Wyoming offering consumer, business, and wealth management services. Comparable as a larger national incumbent with overlapping Wyoming geographic presence competing with Big Horn Federal for deposits, mortgages, and small-business relationships.
• Wells Fargo: National bank with significant Wyoming branch presence offering full-service consumer, commercial, mortgage, and wealth management products. Comparable as a broader incumbent competing for the same Wyoming deposit and lending customers as Big Horn Federal, with materially greater scale and technology investment.

Direct peers

• Pinnacle Bank: Nebraska-based community bank (Pinnacle Bancorp) with Wyoming branches offering consumer, commercial, and agricultural lending. Comparable to Big Horn Federal as a community bank with Wyoming footprint serving similar rural and small-business customers.
• Platte Valley Bank: Wyoming community bank headquartered in Torrington offering agricultural, commercial, and consumer banking services. Comparable to Big Horn Federal in serving rural Wyoming communities with emphasis on agricultural lending and community-based relationships.
• Jonah Bank of Wyoming: Wyoming community bank offering personal, business, and agricultural banking products in communities across the state. Comparable to Big Horn Federal as a Wyoming-focused community bank with similar consumer, commercial, and agricultural lending services.
• ANB Bank: Wyoming and Colorado community bank (a subsidiary of Glacier Bancorp) offering consumer, commercial, and wealth management services. Comparable to Big Horn Federal in community banking model, regional footprint within Wyoming, and similar small-to-mid market customer focus.
• Hilltop National Bank: Community bank headquartered in Casper, Wyoming, providing personal, business, and agricultural banking services across the state. Directly comparable to Big Horn Federal as a Wyoming-headquartered community bank with a similar deposit and lending product mix and rural customer base.
• First Northern Bank of Wyoming: Wyoming-based community bank offering deposit accounts, consumer, mortgage, and agricultural lending to small-town and rural communities across the state. Directly comparable to Big Horn Federal in business model, customer base, and geographic focus on rural Wyoming markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/160330893987296

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 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 Big Horn Federal Savings Bank