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

Community banking
Agricultural lending
Mortgage lending
Personal banking
Business banking

Where First Northern Bank of Wyoming is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers3 records

Segments4 records

Ideal customer profiles4 records

First Northern Bank of Wyoming technology and API

Technology

Technology 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 signal

Partnerships

Three partnerships are on record, tiered core and minor.

Burns Insurance Agency, Inc.coreStrategic or Co-development PartnerFirst 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)coreOthersThrough 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).
CignaminorOthersThe 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 assessment

Direct 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 compliance and trust

Trust signal

Compliance2 records

First Northern Bank of Wyoming financial estimates

Financial estimate

Revenue estimate

Valuation estimate

First Northern Bank of Wyoming leadership team

Management profile

Number of profiles

Profiles18 records

First Northern Bank of Wyoming subsidiaries and ownership

Company hierarchy

Subsidiaries3 records

First Northern Bank of Wyoming funding detail

Funding detail

Funding 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 investment

M&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?

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.