Wyoming Bank & Trust

What Wyoming Bank & Trust does

Wyoming Bank & Trust, legally operated as First Wyoming Bank & Trust, is a community banking institution serving consumers, small to medium-sized businesses, and agricultural operations in Wyoming, with broader network presence in South Dakota and Colorado through its affiliation with First National Bank. The institution holds branch locations in Burns and Cheyenne, Wyoming and operates as an affiliate brand within a 17-location, 183-employee First National Bank network that was formally expanded to include First Wyoming Bank & Trust in 2025. Its product set spans personal checking, savings and CDs, personal loans, IRAs and CD IRAs, mortgage and home equity lending, business checking, savings, commercial loans, and cash management, supplemented by specialized agricultural banking with ag-specific cash management, ag insurance, and field-based loan officers. Wealth and fiduciary services are offered through First Wyoming Investment Services and Trust Accounts, and a registered VIP Club loyalty program targets customers aged 55 and older.

The underlying technology stack is conventional core banking infrastructure: an internet and mobile banking platform providing 24/7 account access, mobile wallet integration, debit card controls with real-time alerts and on/off toggles, and SMS-based customer messaging. The bank is FDIC-insured, registered as an Equal Housing Lender, holds NMLS ID 476969, and is compliant with the USA Patriot Act. There is no proprietary AI, machine learning, or model-based product disclosed; technology investments appear limited to incremental digital banking features rather than platform differentiation.

The business model is classic community banking: net interest income from deposits and loans, supplemented by fee-based treasury and cash management services for businesses, and ag-specific lending in rural markets. Customer reach is direct-to-consumer via physical branches and self-serve digital channels, with multi-channel marketing through Facebook, LinkedIn, SMS, website content, and the mobile banking app. The institution is privately held with no public ticker, no disclosed external investors, and no funding rounds reported. Revenue is not publicly disclosed, and the company does not appear to operate as a standalone P&L — value is captured within the broader First National Bank affiliate network.

Name

Wyoming Bank & Trust

Legal name

First Wyoming Bank & Trust

Website

https://wyomingbank.bank

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

1–10 employees

Short description

Wyoming Bank & Trust is a community bank affiliate of First National Bank, serving consumers, small businesses, and agricultural operations in Wyoming via personal, business, and ag banking services across branches in Burns and Cheyenne.

Ownership category

akta.pro rank

Headquarters

HQ city

Cheyenne

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Personal Banking Services: Revenue from personal checking accounts, savings accounts, CDs, and personal loans including mortgages and home equity products
2. Business Banking Services: Revenue from business checking, business savings, commercial loans, and cash management services for businesses of all sizes
3. Agricultural Banking: Specialized agricultural loan products and banking services for farmers and ranchers including ag-specific cash management and insurance products
4. Trust and Investment Services: First Wyoming Investment Services and Trust Accounts providing wealth management and fiduciary services

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Wyoming Bank & Trust (legal name First Wyoming Bank & Trust) is a community bank offering personal banking (checking, savings, CDs, IRAs, personal loans, mortgages), business banking (checking, savings, commercial loans, cash management), specialized agricultural banking (ag loans, ag cash management, ag insurance), and trust and investment services. The bank operates as an affiliate of the First National Bank network, serving customers through physical branches in Burns and Cheyenne, Wyoming, and across Colorado and South Dakota, complemented by internet and mobile banking platforms.

Product overview

First National Bank (affiliated with First Wyoming Bank & Trust) operates a multi-brand banking platform offering personal, business, and agricultural financial services across Colorado, South Dakota, and Wyoming. The core offering includes checking, savings, loans, and retirement products under both the First National Bank and First Wyoming Bank & Trust sub-brands, supplemented by digital banking services (Internet & Mobile Banking), specialty ag banking, investment services, and trust accounts. The bank serves approximately 183 employees across 17 locations with 24/7 digital banking access.

Differentiator

Problem solved

Functional benefit

Brands

• First Advantage: Personal and business checking and savings accounts offered at certain branch locations
• VIP Club

Products and services

• Personal Checking

Quantifiable outcome

• 24/7 banking access through internet and mobile banking platforms

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• First National BankcoreStrategic or Co-development PartnerFirst Wyoming Bank & Trust operates as an affiliate brand within the First National Bank network. First National Bank provides the parent infrastructure, technology platforms, and operational framework across 17 locations in South Dakota and Colorado. The network combines community banking presence with shared resources and capabilities.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Hilltop National Bank: Wyoming-headquartered community bank offering personal, business, and ag lending across the state. Directly comparable in geography, customer segments, and community banking model.
• Wyoming State Bank: State-chartered Wyoming community bank providing deposit, lending, and ag banking services. Closely aligned with First Wyoming Bank & Trust in charter, geography, and product mix.
• Pinnacle Bank (Wyoming): Community bank with Wyoming presence offering personal, business, and ag banking. Comparable in multi-channel distribution and community banking focus.
• First Northern Bank of Wyoming: Wyoming community bank focused on personal, business, and agricultural lending. Comparable size, geography, and ag banking specialization.

Broad incumbents

• First Interstate BancSystem: Multi-state community bank holding company with branches across Wyoming, Montana, and the Western U.S. Comparable in community banking model but with materially larger scale and broader product set.
• Glacier Bancorp: Community bank holding company operating banks across the Western U.S., including markets overlapping Wyoming Bank & Trust's footprint. Comparable in community banking DNA but far larger and more diversified.
• Great Western Bank: Multi-state community bank with ag lending focus in the Plains and Western U.S. Comparable in ag and community banking but at materially larger scale.
• HTLF (Heartland Financial USA): Multi-state community bank holding company with ag and commercial banking lines. Comparable multi-brand community banking approach but significantly larger and more geographically diversified.

Regional players

• ANB Bank: Wyoming-based community bank with strong ag lending and treasury management focus. Directly comparable in ag banking specialization and regional Wyoming footprint.
• First Western Financial: Wealth management-focused community bank in the Rocky Mountain region with ag and commercial banking exposure. Comparable in regional community banking plus trust/wealth services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/WyomingBank
• LinkedInlinkedin.com/company/wyoming-bank-trust
• Xx.com/Wyoming_Bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Wyoming Bank & Trust