Jonah Bank of Wyoming

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.

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

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

• Community banking services
• Retail banking
• Mortgage lending
• Small business lending
• Commercial banking

Headquarters

HQ city

Casper

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Deposit Account Fees and Interest: Revenue from checking, savings, and money market accounts. Interest paid to depositors, spread earned on deposits.
3. Certificate of Deposit Interest: Term deposit products with rates ranging from 1.30% APY (3-month) to 1.92% APY (5-year)
4. Payment Processing Fees: Transaction fees from Autobooks service: 1.00% for ACH, 3.49% for credit/debit card payments
5. Wire Transfer Fees: Fees for domestic wire transfer services
6. Overdraft and Service Fees: Overdraft protection line of credit and associated fees

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core 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.

Named customers12 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability6 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• AutobookscoreTechnology or IntegrationAutobooks 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.
• MoneyPasscoreTechnology or IntegrationMoneyPass network provides Jonah Bank customers access to 32,000+ surcharge-free ATMs nationwide. Partnership eliminates ATM fees for customers using MoneyPass network ATMs.
• FiservcoreTechnology or IntegrationFiserv provides card services including business credit card platform (spendtrack.fiservapp.com) and personal card management (onlinebanking.firstdata.com).
• ICBA (Independent Community Bankers of America)minorGTM or Marketing PartnerICBA partnership provides co-marketing on financial tips, fraud prevention, and community banking advocacy. ICBA represents community banks and provides innovation initiatives and resources.
• Symantec VIPcoreTechnology or IntegrationSymantec VIP provides two-factor authentication tokens (physical and virtual) for securing outbound transactions and online banking access.
• AdobeminorOthersAdobe Acrobat Reader required for viewing .pdf forms and disclosures on the website.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• Facebookfacebook.com/JonahBankofWyoming
• LinkedInlinkedin.com/company/jonah-bank-of-wyoming
• Instagraminstagram.com/jonahbankofwy
• Xx.com/JonahBankofWY

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Jonah Bank of Wyoming