Jonah Bank of Wyoming
Jonah Bank of Wyoming is a privately-held, FDIC-insured community bank founded in 2006, operating four branches across Casper and Cheyenne. It serves Wyoming consumers, mortgage borrowers, military service members, small businesses, and commercial/energy clients with full-service banking plus vendor-integrated digital tools.
- Company typePrivate
- Founded2006
- HeadquartersCasper, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Jonah Bank of Wyoming does
Jonah Bank of Wyoming is a privately-held, FDIC-insured community bank founded in 2006 and headquartered in Cheyenne, Wyoming, operating four branch locations across Casper and Cheyenne with a workforce of 51–100 employees. The bank's mission, "Building a Better Wyoming," is operationalized through locally-made loan decisions, "Code of the West" cultural principles, and an embedded community-giving program that in 2026 distributes $20K monthly to 24 Wyoming nonprofits alongside per-employee workiversary donations.
The bank delivers a full-service retail and commercial banking product set, spanning personal checking/savings and CDs (e.g., Saddle Up Savings tiered to 1.87% APY at $150K+, 5-year CDs at 1.92% APY as of December 2025), personal loans and credit cards, mortgage origination across Conventional, FHA, VA, WCDA, and Jumbo channels, and commercial/energy lending. The technology stack is primarily vendor-assembled: Q2-based mobile banking on iOS and Android, online banking with bill pay and commercial payments, SMS text banking to BANKME (226563), Autobooks for SMB invoicing and payments (1.00% ACH, 3.49% card), Card Valet for card controls, MoneyPass for 32,000+ surcharge-free ATMs, Fiserv for credit card servicing, Symantec VIP for out-of-band authentication, and DocuSign for e-forms. Security infrastructure is layered with Push MFA (Dec 2024), SMS secure access codes, VIP tokens, and AI-assisted real-time fraud monitoring (modernized 2025).
Revenue mechanics follow a standard community bank model: net interest income from lending (mortgage, commercial, consumer, energy) and deposit spread, plus transactional fee streams from wire transfers, overdraft protection, and Autobooks payment processing. Go-to-market is a hybrid of relationship-led branch and loan-officer sales for lending, inside sales via phone/email/online application for mortgages, and self-serve digital channels for retail transactions. Customer segments are diversified across individual consumers, mortgage borrowers, military service members (VA), small businesses, and commercial/energy borrowers, with no disclosed enterprise anchors or concentration in any single customer. Marketing leans on organic social, an in-house Banker Blog, financial calculators, ICBA co-marketing, and community events, all reinforcing the Wyoming-local identity.
Jonah Bank of Wyoming firmographics
Firmographics- Name
- Jonah Bank of Wyoming
- Legal name
- Jonah Bank of Wyoming
- Website
- https://jonah.bank
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Jonah Bank of Wyoming is a privately-held, FDIC-insured community bank founded in 2006, operating four branches across Casper and Cheyenne. It serves Wyoming consumers, mortgage borrowers, military service members, small businesses, and commercial/energy clients with full-service banking plus vendor-integrated digital tools.
- Ownership category
- akta.pro rank
Jonah Bank of Wyoming industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Credit Card Issuing (52221)
- SIC
- State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Credit Cards & Revolving Credit (FSABAAAC), Revolving Lines of Credit (Personal HELOC-excluding / Unsecured LOC) (FSAKABAL)
Keywords
Where Jonah Bank of Wyoming is headquartered
LocationHeadquarters
- HQ city
- Casper
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Jonah 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, Others
Revenue model
- Interest Income from Lending: Primary revenue from interest on mortgage loans, commercial loans, personal loans, and credit cards. Loan types include Conventional, FHA, VA, WCDA, and Jumbo loans.
- Deposit Account Fees and Interest: Revenue from checking, savings, and money market accounts. Interest paid to depositors, spread earned on deposits.
- Certificate of Deposit Interest: Term deposit products with rates ranging from 1.30% APY (3-month) to 1.92% APY (5-year)
- Payment Processing Fees: Transaction fees from Autobooks service: 1.00% for ACH, 3.49% for credit/debit card payments
- Wire Transfer Fees: Fees for domestic wire transfer services
- Overdraft and Service Fees: Overdraft protection line of credit and associated fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Saddle Up Savings - Tiered interest rates based on account balance |
| Subscription | Monthly | Cowboy Up Money Market - Tiered rates for money market accounts |
| Subscription | Monthly | High Noon Checking - Interest-bearing checking |
| Subscription | Multi-year contract | CD Rates - Certificate of Deposit terms from 3 months to 5 years |
| Transaction based/ take rate | Pay-as-you-go | Autobooks Basic - No monthly fee with payment processing |
| Subscription | Monthly | Autobooks Plus - Full accounting package |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Jonah Bank of Wyoming product offering
Product offeringCore offering
Jonah Bank of Wyoming is a community bank that accepts deposits (checking, savings, money market, and certificates of deposit) and originates loans for consumers and businesses. Its product portfolio spans personal banking accounts, personal loans and credit cards, residential mortgage loans (Conventional, FHA, VA, WCDA, Jumbo), small business and commercial loans (including energy loans), business banking services (checking, savings, credit cards, cash management), and supporting digital banking channels. All loan decisions are made locally in Wyoming by dedicated Cheyenne and Casper teams.
Product overview
Jonah Bank of Wyoming is a community bank serving Casper and Cheyenne with a diversified portfolio of traditional banking products and digital services. Its core offerings span personal banking (checking, savings, CDs, credit cards, personal loans), business banking (commercial loans, business checking/savings, business credit cards, cash management), and mortgage lending (Conventional, FHA, VA, WCDA, and Jumbo loans). The bank differentiates through locally-made loan decisions and community commitment. Digital services form an integral layer over its core products: Online and Mobile Banking provide 24/7 account access; Mobile Deposit, Text Banking, and Card Valet extend banking beyond branches; and Autobooks (introduced October 2024) adds integrated business invoicing and payment acceptance within online banking. Security features include multi-factor authentication (Push MFA, SMS SACs, and Symantec VIP tokens) and real-time fraud monitoring enhanced by AI analytics. Financial calculators and the Just 4 Kids literacy program round out the product ecosystem.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Checking accounts for individuals offering deposits, withdrawals, and bill payment across multiple account tiers designed to meet varying customer needs.
- Personal Savings Accounts Savings accounts including the Saddle Up Savings product with tiered interest rates based on account balance, designed to help customers save for financial goals.
- Certificate of Deposit (CD) Time deposit accounts with fixed terms ranging from 3 months to 5 years, offering competitive rates and FDIC insurance protection.
- Personal Loans Consumer lending products including auto/recreational loans, bridge loans, construction loans, home equity loans (HELOC), lot and land loans, and overdraft lines of credit, with all loan decisions made locally in Wyoming.
- Personal Credit Cards Personal credit cards with local customer service, accessible through the First Data portal for online account management.
- Business Checking Accounts Commercial checking accounts with services tailored to small and medium-sized businesses, with all decisions made locally in Wyoming.
- Business Savings Accounts Savings products for business owners to reserve capital and earn interest on business deposits.
- Commercial Loans Loans for businesses including commercial and industrial loans and energy loans, with specialized lending teams in Casper and Cheyenne supporting startups, expanding businesses, and business growth.
- Business Credit Cards Credit cards for business use with spending tracking and management, accessible through SpendTrack by Fiserv.
- Cash Management Treasury management services for businesses including wire transfers, ACH payments, and other cash flow management tools.
- Mortgage & Home Loans Comprehensive mortgage products including Conventional (3% down, 10–30 year terms, 620+ FICO), FHA (3.5% down, 580+ FICO), VA (zero down, no PMI, cash-out refinance for veterans and active-duty military), WCDA ($1,500 minimum down, reduced rates, local servicing for low/moderate-income Wyoming buyers), and Jumbo loans for home purchase, construction, and refinancing.
- Online Banking Full-featured internet banking platform accessible 24/7/365 for account management, transfers, bill payment, statement viewing, check image access, loan payments, and commercial payments. Basic service is free.
- Mobile Banking Native mobile app for iOS and Android providing full banking functionality including balance checking, transfers, mobile deposit, account alerts, and ATM locator, integrated with Card Valet and MoneyPass.
- Text Banking SMS-based banking service allowing customers to check balances, view account history, and transfer funds by texting commands (BAL, XFER, HIST, LIST, HELP, STOP) to BANKME (226563).
- Card Valet Standalone mobile app (powered by Fiserv) for controlling Jonah Bank debit and credit cards, including card on/off switching, spending limits by category or merchant, geographic restrictions, and real-time transaction alerts.
- Autobooks Digital invoicing and payment acceptance platform integrated inside Jonah Bank online and mobile banking, enabling professional invoice creation, electronic payment collection (ACH, credit/debit, eCheck), mobile tap-to-pay, and accounting/reporting with QuickBooks import.
Companies that use Jonah Bank of Wyoming
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles3 records
Jonah Bank of Wyoming technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability6 records
Feature6 records
Jonah Bank of Wyoming partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- AutobookscoreAutobooks provides digital invoicing and payment acceptance integrated into Jonah Bank's online and mobile banking. Enables businesses to create professional invoices, accept ACH and card payments, and access accounting features. Two tiers available: free with transaction fees or $9.99/month with full accounting package.
- MoneyPasscoreMoneyPass network provides Jonah Bank customers access to 32,000+ surcharge-free ATMs nationwide. Partnership eliminates ATM fees for customers using MoneyPass network ATMs.
- FiservcoreFiserv provides card services including business credit card platform (spendtrack.fiservapp.com) and personal card management (onlinebanking.firstdata.com).
- ICBA (Independent Community Bankers of America)minorICBA partnership provides co-marketing on financial tips, fraud prevention, and community banking advocacy. ICBA represents community banks and provides innovation initiatives and resources.
- Symantec VIPcoreSymantec VIP provides two-factor authentication tokens (physical and virtual) for securing outbound transactions and online banking access.
- AdobeminorAdobe Acrobat Reader required for viewing .pdf forms and disclosures on the website.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Jonah Bank of Wyoming competitors and assessment
Company assessmentDirect peers
- Glacier Bank: Montana-headquartered community bank with branch presence across the Mountain West. Comparable community-banking model, similar personal/business/mortgage product set, and parallel positioning in markets underserved by large national banks.
- Hilltop National Bank: Casper, Wyoming-based community bank with similar size and product set, including personal, business, and mortgage lending. Directly competes with Jonah Bank's Casper branches for the same local customer base.
- First Interstate Bank: Montana-based community bank holding company (First Interstate BancSystem) with material branch presence across Wyoming, including Cheyenne and Casper. Closest direct competitor given overlapping geography, similar community-banking model, and competing product lineup across mortgage, commercial, and consumer banking.
- ANB Bank: Wyoming-headquartered community bank (subsidiary of Sturm Financial Group) operating multiple Wyoming branches in Cheyenne, Casper, and Laramie. Most directly comparable peer: same Wyoming footprint, similar community-banking philosophy, full personal/business/mortgage product set.
- Pinnacle Bank: Nebraska-based community bank with a Wyoming branch network serving similar small-business and consumer customers. Comparable in community-banking orientation and full-service personal/business/mortgage offering.
Broad incumbents
- Bank of the West: BNP Paribas-owned regional bank with Wyoming branches. Operates broadly across consumer, small business, and mortgage banking in Jonah Bank's geography as a larger, less-localized incumbent alternative.
- U.S. Bank: National commercial bank with Wyoming branch presence. Competes for consumer deposits, mortgages, and small-business banking in Cheyenne and Casper but with a much broader geographic footprint and centralized decision-making.
Others
- Wyoming Community Development Authority (WCDA) partner lenders: Not a competitor but a state housing finance agency whose loan programs Jonah Bank actively originates and services. WCDA programs are available through multiple participating Wyoming lenders, so peer mortgage teams at ANB, Hilltop, and Pinnacle originate the same WCDA product set against Jonah Bank.
Market position
Competitive moat6 records
Key highlights7 records
Customer concentration
Jonah Bank of Wyoming social profiles
Digital presenceJonah Bank of Wyoming compliance and trust
Trust signalCompliance7 records
Jonah Bank of Wyoming financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jonah Bank of Wyoming leadership team
Management profileNumber of profiles
Profiles6 records
Jonah Bank of Wyoming funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jonah 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 Jonah Bank of Wyoming
What does Jonah Bank of Wyoming do?
Jonah Bank of Wyoming is a community bank that accepts deposits (checking, savings, money market, and certificates of deposit) and originates loans for consumers and businesses. Its product portfolio spans personal banking accounts, personal loans and credit cards, residential mortgage loans (Conventional, FHA, VA, WCDA, Jumbo), small business and commercial loans (including energy loans), business banking services (checking, savings, credit cards, cash management), and supporting digital banking channels. All loan decisions are made locally in Wyoming by dedicated Cheyenne and Casper teams.
Is Jonah Bank of Wyoming a public or private company?
Jonah Bank of Wyoming is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Jonah Bank of Wyoming founded?
Jonah Bank of Wyoming was founded in 2006. It employs 51 to 100 people.
Where is Jonah Bank of Wyoming based?
Jonah Bank of Wyoming is headquartered in Casper, United States, in the North America region.
How does Jonah Bank of Wyoming make money?
Six revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Interest, certificate of Deposit Interest, payment Processing Fees, wire Transfer Fees and overdraft and Service Fees.
Who are Jonah Bank of Wyoming's main competitors?
Direct peers on record are Glacier Bank, Hilltop National Bank, First Interstate Bank, ANB Bank and Pinnacle Bank. Broad incumbents are Bank of the West and U.S. Bank. Wyoming Community Development Authority (WCDA) partner lenders is listed as an others.
Does Jonah Bank of Wyoming have an API?
No public API is recorded for Jonah Bank of Wyoming.
What industry is Jonah Bank of Wyoming in?
Jonah Bank of Wyoming's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 522110 and its SIC code is 6022.