First Northern Bank of Wyoming
First Northern Bank of Wyoming is a privately held community bank founded in 1885, operating five full-service branches across Wyoming to serve individual consumers, small businesses, farmers and ranchers, and mortgage customers with deposit accounts, agricultural and consumer lending, digital banking, insurance, trust, and advisory services.
- Company typePrivate
- Founded1885
- HeadquartersBuffalo, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What First Northern Bank of Wyoming does
First Northern Bank of Wyoming is a privately held, family- and employee-owned community bank headquartered in Buffalo, Wyoming, operating under a Wyoming state charter since 2012. Originally chartered in 1885 as First National Bank of Buffalo, it is the oldest bank in Wyoming and the third bank organized in the Wyoming Territory. The bank operates five full-service branches across Buffalo, Sheridan, Gillette, Douglas, and Newcastle, each staffed by a dedicated Market President with local loan-decision authority. It serves four primary customer segments — individual consumers, small and medium-sized businesses, agricultural operators (farmers and ranchers), and mortgage customers — and reports 101-250 employees. The institution is FDIC-insured and the only disclosed subsidiary structure includes First Northern Trust (trust and estate services), First Northern Advisors (investment advisory, hosted at firstnorthernadvisors.com), and First State Insurance (an insurance agency operating as a member of Burns Insurance Agency, Inc.).
The bank operates a community-banking technology platform centered on a digital banking stack. Customer-facing channels include an online banking portal, a biometric-authentication mobile app for iOS and Android, 24/7 telephone banking, EMV chip debit and credit cards, the ScoreCard Platinum Business Credit Card, mobile check deposit with automated limits, OneClick Bill Pay with Alexa voice integration, and Apple Pay, Samsung Pay, and Google Pay tokenized wallet support. A suite of approximately 50 interactive financial calculators covers mortgages, loans, retirement, savings, taxes, and insurance planning. Risk and operations are supported by an internal Fraud Detective alert service and standard credit-bureau fraud monitoring.
The revenue model is a traditional community-bank net-interest-margin business. Income is generated primarily from interest earned on agriculture, personal, business, and mortgage loans, plus the spread on deposits (checking, savings, CDs, IRAs). Non-interest income comes from credit card interchange and rewards on the ScoreCard Platinum product, debit card and ATM transaction fees, merchant services, and insurance commissions routed through First State Insurance / Burns Insurance. Trust and advisory fees from First Northern Trust and First Northern Advisors add higher-margin recurring revenue. Distribution is hybrid: a regional physical branch network augmented by a 24/7 self-serve digital platform, community-led marketing emphasizing $1M+ in annual Wyoming sponsorships, the SaveUp savings-matching program, calendar contests, and a scholarship program — all designed to reinforce the bank's positioning as Wyoming's community bank since 1885.
First Northern Bank of Wyoming firmographics
Firmographics- Name
- First Northern Bank of Wyoming
- Legal name
- First Northern Bank of Wyoming
- Website
- https://firstnorthern.bank
- Company type
- Private
- Founded year
- 1885
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- First Northern Bank of Wyoming is a privately held community bank founded in 1885, operating five full-service branches across Wyoming to serve individual consumers, small businesses, farmers and ranchers, and mortgage customers with deposit accounts, agricultural and consumer lending, digital banking, insurance, trust, and advisory services.
- Ownership category
- akta.pro rank
First Northern Bank of Wyoming industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where First Northern Bank of Wyoming is headquartered
LocationHeadquarters
- HQ city
- Buffalo
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
First Northern Bank of Wyoming business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including agricultural loans, business loans, personal loans, and mortgage lending. The bank positions itself as mortgage experts and serves the agricultural sector with specialized lending products.
- Deposit Interest: Revenue generated from spread between interest paid on deposits (checking, savings, CDs, IRAs) and interest earned on loans.
- Credit Card Fees: Income from credit card transactions, including interchange fees on the ScoreCard Platinum Business Credit Card. The bank offers cards with no annual fee, no balance transfer fees, and no penalty APR.
- Banking Service Fees: Fees from various banking services including debit card usage at non-FNB ATMs, coin counting for non-customers, stop payment requests, and other account services.
- Insurance Commission Income: Revenue from insurance services through First State Insurance Agency (a member of Burns Insurance, Inc.) offering auto, business, home, life, crop, farm, ranch, and other insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free Checking for Students and Seniors |
| Subscription | Monthly | ScoreCard Platinum Business Credit Card |
| Transaction based/ take rate | Pay-as-you-go | Standard Banking Services |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels9 records
First Northern Bank of Wyoming product offering
Product offeringCore offering
First Northern Bank of Wyoming is a Wyoming-chartered community bank that provides personal and business deposit accounts (checking, savings, CDs, IRAs), debit and credit cards, and a full suite of lending products including agricultural, personal, business, and mortgage loans. The bank also delivers trust and investment advisory services through wholly-owned subsidiaries (First Northern Trust and First Northern Advisors) and distributes personal, farm, ranch, crop, and business insurance through its First State Insurance Agency. Customer access is enabled through five Wyoming branches and a digital banking platform spanning online, mobile, and telephone channels.
Product overview
First Northern Bank of Wyoming is a community bank offering a comprehensive suite of financial products and services. The core banking platform includes personal and business checking/savings accounts, CDs/IRAs, debit and credit cards (including EMV chip cards and the ScoreCard Platinum Business Credit Card), and various loan products (agriculture, personal, business, and mortgage lending). Digital banking services are provided through Online Banking and Mobile Banking App platforms, enhanced by OneClick Bill Pay with Alexa integration, Mobile Check Deposit, and Digital Payments supporting Apple Pay, Samsung Pay, and Google Pay. Trust and investment services are delivered through First Northern Trust and First Northern Advisors (investment services), while insurance protection is offered via First State Insurance (auto, business, farm, home, life, crop, ranch coverage). Additional value-added services include the SaveUp savings matching program and approximately 50 financial planning calculators. The bank operates five full-service branches across Wyoming (Buffalo, Sheridan, Gillette, Douglas, Newcastle) and is FDIC insured, having served the community since 1885.
Differentiator
Problem solved
Functional benefit
Products and services
- Online Banking
- Mobile Banking App
- ScoreCard Platinum Business Credit Card
- Business Visa Debit Card
- Digital Payments (Apple Pay, Samsung Pay, Google Pay)
- EMV Chip Cards
- Personal Checking Accounts
- Personal Savings Accounts
- Business Accounts
- CDs/IRAs
- Agriculture Loans
- Personal Lending
- Business Lending
- Mortgage Loans
- First Northern Trust
- First Northern Advisors
- First State Insurance
- Telephone Banking
Quantifiable outcome
- Over $1 million donated to Wyoming communities annually
- +1 more outcomes
Companies that use First Northern Bank of Wyoming
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
First Northern Bank of Wyoming technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability4 records
Feature4 records
First Northern Bank of Wyoming partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Burns Insurance Agency, Inc.coreFirst State Insurance is a member of Burns Insurance Agency, Inc., providing access to over 100 insurance companies to find the right coverage for customers. This partnership enables the bank to offer comprehensive insurance products including auto, business, home, life, crop, farm, ranch, and umbrella insurance.
- Local Nonprofits (Quarterly)coreThrough the SaveUp Program, the bank partners with local nonprofits in each community quarterly. 2026 recipients include Local High School Programs (Q1), Childcare and Healthcare Services (Q2), Holiday Helper Programs (Q3), and Mental Health and Substance Abuse Programs (Q4).
- CignaminorThe bank provides a link to Cigna's Transparency in Coverage Machine Readable Files as required by federal regulation, providing negotiated service rates and out-of-network allowed amounts for the bank's health plan.
Scale indicators4 records
Recent moves11 records
Expansion highlights5 records
First Northern Bank of Wyoming competitors and assessment
Company assessmentDirect peers
- First Interstate BancSystem: NASDAQ-listed community/regional bank holding company headquartered in Montana with significant Wyoming branch presence. Closest comparable in geography, customer mix (retail/agricultural/small business), and community-bank operating model.
- Banner Corporation: NASDAQ-listed Pacific Northwest community bank holding company. Comparable in size, community banking philosophy, diversified product set, and reliance on retail/agricultural/small-business lending.
- Lakeland Financial Corporation: NASDAQ-listed Indiana-based community bank of similar asset size with diversified commercial, agricultural, and retail lending. Comparable as a high-performing, decentralized community bank with strong digital capabilities.
- Tompkins Financial Corporation: NYSE-listed community bank holding company operating community-bank brands in the Northeast. Comparable size and philosophy, with similarly diversified fee streams from insurance, wealth, and retail/commercial banking.
- Plumas Bancorp: NASDAQ-listed small California/Nevada community bank. Comparable in scale (community bank with limited footprint), customer mix (retail, agricultural, small business), and decentralized community banking model.
- TowneBank: NASDAQ-listed Virginia community bank of similar size. Comparable for its community-focused relationship banking model, diversified product set (banking, insurance, wealth), and disciplined growth approach.
Broad incumbents
- Glacier Bancorp: NYSE-listed multi-state community bank holding company serving the Mountain West and Pacific Northwest. Comparable as a roll-up acquirer of community banks using a decentralized, community-focused operating model.
- Heartland Financial USA (HTLF): NASDAQ-listed multi-state community bank holding company operating under several community-bank brands. Comparable for its diversified retail, agricultural, and business banking model across small/mid-sized markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
First Northern Bank of Wyoming social profiles
Digital presenceFirst Northern Bank of Wyoming compliance and trust
Trust signalCompliance2 records
First Northern Bank of Wyoming financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Northern Bank of Wyoming leadership team
Management profileNumber of profiles
Profiles18 records
First Northern Bank of Wyoming subsidiaries and ownership
Company hierarchySubsidiaries3 records
First Northern Bank of Wyoming funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Northern Bank of Wyoming M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Northern Bank of Wyoming
What does First Northern Bank of Wyoming do?
First Northern Bank of Wyoming is a Wyoming-chartered community bank that provides personal and business deposit accounts (checking, savings, CDs, IRAs), debit and credit cards, and a full suite of lending products including agricultural, personal, business, and mortgage loans. The bank also delivers trust and investment advisory services through wholly-owned subsidiaries (First Northern Trust and First Northern Advisors) and distributes personal, farm, ranch, crop, and business insurance through its First State Insurance Agency. Customer access is enabled through five Wyoming branches and a digital banking platform spanning online, mobile, and telephone channels.
Is First Northern Bank of Wyoming a public or private company?
First Northern Bank of Wyoming is a private company. It is classified as family owned and is currently operating.
When was First Northern Bank of Wyoming founded?
First Northern Bank of Wyoming was founded in 1885. It employs 101 to 250 people.
Where is First Northern Bank of Wyoming based?
First Northern Bank of Wyoming is headquartered in Buffalo, United States, in the North America region.
How does First Northern Bank of Wyoming make money?
Five revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Interest, credit Card Fees, banking Service Fees and insurance Commission Income.
Who are First Northern Bank of Wyoming's main competitors?
Direct peers on record are First Interstate BancSystem, Banner Corporation, Lakeland Financial Corporation, Tompkins Financial Corporation, Plumas Bancorp and TowneBank. Broad incumbents are Glacier Bancorp and Heartland Financial USA (HTLF).
Does First Northern Bank of Wyoming have an API?
No public API is recorded for First Northern Bank of Wyoming.
What industry is First Northern Bank of Wyoming in?
First Northern Bank of Wyoming's product category is Community Banking. Its primary akta.pro industry code is FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 52211 and its SIC code is 6022.