Southwind Bank
Southwind Bank is a privately held, FDIC-insured Kansas community bank founded in 1909, operating two branches in Natoma and Russell. It offers personal and business deposit accounts, consumer/agricultural loans, cards, merchant services and trust services to local consumers, farms and small businesses.
- Company typePrivate
- Founded1909
- HeadquartersNatoma, United States
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Southwind Bank does
Southwind Bank is a privately held community bank founded in 1909 and headquartered in Natoma, Kansas, with a second branch in Russell, Kansas. It is an FDIC-insured depository institution (NMLS #405262) and Equal Housing Lender operating under the tagline "Building Relationships...for generations." The bank serves individual consumers, local businesses and agricultural customers across Osborne and Russell counties through two physical branches plus a digital channel stack comprising online banking, a mobile app on Apple App Store and Google Play, bill pay, eStatements, mobile deposit and digital wallet support (Apple Pay, Samsung Pay, Google Pay, Visa Click to Pay).
The product portfolio is a full-service community bank offering: three checking tiers (Simple Checking with no minimum, Classic Checking with balance-based fee, Southwind Now interest-bearing); savings products including SWB Savings, Youth Savings for ages 0–17, CDs from 6 months to 5 years, Traditional/Rollover/Roth IRAs, and a five-tier Step Money Market up to $250K+; cards including MasterMoney Debit, Visa Platinum and Classic credit cards, Visa Business credit cards with ScoreCard rewards, and Visa Prepaid (Access and Gift) cards; personal loans covering vehicles (cars, trucks, boats, RVs), mortgages (purchase, refinance, construction) and general-purpose loans; commercial and agricultural loans (real estate, equipment, cattle, inventory, operating, lines of credit, letters of credit, oil); merchant services via Bankers' Bank of Kansas Merchant Solutions; and trust services covering trust administration, conservatorships, probate, estate management, farm/ranch and oil-and-gas lease management.
The revenue model is that of a traditional commercial bank: net interest income on loans and investments net of interest paid on deposits is the primary driver, supplemented by deposit account maintenance and excess-activity fees, wire transfer fees, debit/credit card interchange, merchant services revenue share, and trust service fees. Technology is delivered through third-party providers — DCI powers the website and online banking platform, EPCOR provides Falcon Fraud Protection, and Bankers' Bank of Kansas handles merchant processing and wire intermediary routing — with the bank itself focused on local in-person relationship banking, loan origination and community engagement rather than proprietary technology development. A planned August 2026 conversion to a new online and mobile banking system will add debit card self-service management, secondary user access for commercial accounts, QuickBooks/Intuit Web Connect and Express Connect, and electronic notice delivery.
Southwind Bank firmographics
Firmographics- Name
- Southwind Bank
- Legal name
- Southwind Bank
- Website
- https://southwindbank.com
- Company type
- Private
- Founded year
- 1909
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Southwind Bank is a privately held, FDIC-insured Kansas community bank founded in 1909, operating two branches in Natoma and Russell. It offers personal and business deposit accounts, consumer/agricultural loans, cards, merchant services and trust services to local consumers, farms and small businesses.
- Ownership category
- akta.pro rank
Southwind Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218), Credit Card Issuing (52221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Credit Cards & Revolving Credit (FSABAAAC), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Southwind Bank is headquartered
LocationHeadquarters
- HQ city
- Natoma
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Southwind Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Southwind Bank earns interest income on loans (vehicle loans, mortgage loans, commercial loans, agricultural loans, personal loans) and investments, offset by interest paid on deposits. This is the primary revenue driver for the bank.
- Deposit Account Fees and Charges: Monthly maintenance fees, minimum balance fees, paper statement fees, withdrawal excess fees, and overdraft fees across checking and savings accounts. Fee schedules vary by account type.
- Wire Transfer Fees: Fees charged for outgoing domestic and international wire transfers. Must be received before 3:00 pm Central time for same-day processing.
- Credit Card Interchange: Transaction fees earned on credit card payments processed through Visa Platinum, Visa Classic, and Visa Business cards issued by the bank.
- Merchant Services Processing: Revenue share and fees from credit card payment processing services provided to business merchants through the partnership with Bankers' Bank of Kansas Merchant Solutions.
- Trust Services Fees: Fees for fiduciary services including trust administration, conservatorships, probate and estate management, asset management, farm management, and oil and gas lease management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Simple Checking - No monthly fee, no minimum balance |
| Subscription | Monthly | Classic Checking - Fee with conditions |
| Subscription | Monthly | Southwind Now - Interest-bearing checking |
| Subscription | Monthly | SWB Savings |
| Subscription | Monthly | Youth Savings (ages 0-17) |
| Subscription | Multi-year contract | CD - Certificate of Deposit |
| Subscription | Multi-year contract | IRA Accounts (Traditional, Rollover, Roth) |
| Subscription | Monthly | Step Money Market |
| Subscription | Monthly | Visa Business Credit Card |
| Subscription | Monthly | Visa Credit Cards (Platinum and Classic) |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Southwind Bank product offering
Product offeringCore offering
Southwind Bank is a community bank that accepts consumer and business deposits and originates loans across consumer (vehicle, mortgage, personal), commercial (real estate, equipment, operating, lines of credit), and agricultural (cattle, inventory, oil) categories. It also issues debit and credit cards, provides merchant card-processing services in partnership with Bankers' Bank of Kansas, and offers fiduciary trust, estate, and asset-management services. All deposits are FDIC insured, with account access supported through two Kansas branches, online banking, and a mobile app.
Product overview
Southwind Bank is a community bank offering a comprehensive suite of banking products and services for both personal and business customers. The bank's product portfolio spans checking accounts (Simple Checking, Classic Checking, Southwind Now), savings products (SWB Savings, Youth Savings, CDs, IRAs, Step Money Market), credit cards (Visa Platinum, Visa Classic, MasterMoney Debit, Prepaid Cards), personal and business loans (vehicle, mortgage, commercial, agricultural), online and mobile banking with bill pay, trust services, and merchant services. These products are designed to serve the full financial lifecycle of customers from youth savings through retirement, with an emphasis on personal banking relationships and local decision-making in Kansas communities.
Differentiator
Problem solved
Functional benefit
Products and services
- Simple Checking Budget-friendly personal checking account with no monthly maintenance fee, no minimum balance requirement, unlimited transactions, and free online and mobile banking access for day-to-day consumer use.
- Classic Checking Traditional personal checking account with monthly paper statements or eStatements, fee waivers for account holders age 55 or older and for churches and non-profit organizations.
- Southwind Now Interest-bearing personal checking account that combines spending access with interest earnings, requiring a $1,000 minimum balance with interest compounded and credited monthly.
- SWB Savings Personal savings account earning interest compounded daily with funds-transfer options to checking for overdraft protection and FDIC-insured deposits.
- Youth Savings Savings account for individuals ages 0-17 designed to teach children to save, with only a $5 minimum opening deposit and no minimum balance service fee.
- Certificates of Deposit (CDs) Time-deposit accounts with fixed interest rates and terms from 6 months to 5 years, FDIC-insured and usable as collateral on a loan, with a Growing CD option available.
- Individual Retirement Accounts (IRAs) Retirement savings accounts in CD form offering Traditional, Rollover, and Roth IRA options with tax-advantaged retirement savings features.
- Step Money Market Tiered interest-bearing money market account with five balance tiers from $1,000 to $250,000-plus and up to six withdrawals per month without penalty.
- MasterMoney Debit Card Personal debit card providing access to checking-account funds anywhere MasterCard is accepted, with immediate withdrawal and Falcon Fraud Protection monitoring included.
- Visa Platinum Credit Card Premium consumer credit card with rewards points on purchases, low variable rate, no annual fee, balance transfers at the same low APR, fraud monitoring, and mobile-wallet compatibility.
- Visa Classic Credit Card Consumer credit card with low variable rate, no annual fee, fraud monitoring, and mobile-wallet support for everyday spending.
- Visa Prepaid Cards Prepaid cards including Access Cards for payroll direct deposit and gift cards loadable from $10 to $500, available at branch locations.
- Vehicle Loans Consumer financing for new and used cars, trucks, boats, and recreational vehicles at competitive rates and terms with local decision-making.
- Mortgage Loans Home purchase, refinancing, and construction loans with competitive rates and a secondary market program connecting customers with an array of mortgage options.
- Other Personal Loans General-purpose consumer loans for needs such as home repairs and debt consolidation at competitive rates and terms.
- Online Banking Free 24/7 online account access enabling bill pay, balance viewing, transaction monitoring, check images, fund transfers, loan payments, and secure messaging with the bank.
- Bill Payment Service Free online bill pay service allowing unlimited bill payments, person-to-person payments via multiple pay options, and fund transfers between institutions.
- eStatements Paperless electronic account statements available 24/7 with email notifications and item images delivered through online banking.
- Mobile Banking
Companies that use Southwind Bank
Customer profileSegments4 records
Ideal customer profiles3 records
Southwind Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability1 record
Feature6 records
Southwind Bank partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Bankers' Bank of Kansas Merchant SolutionscorePartnership with Bankers' Bank of Kansas Merchant Solutions for payment processing products and services. Provides merchant accounts, mobile credit card processing, mobile point of sale (mPOS), online credit card processing, wireless processing, and telephone payment processing for businesses of every size.
- Bankers' Bank of KansascoreBankers' Bank of Kansas serves as the Intermediary Agent (Receiving Bank) for incoming wire transfers. ABA/Routing number: 101104805, address: 555 N Woodlawn - Bldg 5, Wichita, KS 67208. Essential routing partner for wire transfer processing.
- DCI (Data Center Inc.)coreDCI (Data Center Inc.) powers the Southwind Bank website. Provides the technology platform and infrastructure supporting the bank's web presence and online services.
- EPCOR (Falcon Fraud Protection)coreEPCOR provides Falcon Fraud Protection, a 24/7 debit card transaction monitoring service that analyzes transactions in real-time, detects potential fraud, and contacts cardholders for verification. This fraud protection service is provided at no additional cost to consumer debit card holders.
- EPCOR (Video Content)minorEPCOR provides educational video content on debit card fraud prevention tips, shared on Southwind Bank's promotional and educational materials.
- MasterCard (MasterMoney Debit Card)coreSouthwind Bank issues MasterMoney Debit Cards accepted anywhere MasterCard is accepted. The bank also issues Visa credit cards (Platinum and Classic) and Visa Business credit cards under the Visa payment network.
- Visa (Credit Cards)coreVisa payment network partnership for Visa Platinum, Visa Classic, and Visa Business credit cards issued by Southwind Bank, providing global payment acceptance and digital wallet integrations.
- Convenient Cards (Prepaid Cards)minorConvenient Cards provides VISA Prepaid Cards (Access Card, Gift Card) and related customer service. Southwind Bank sells and distributes these prepaid cards at branch locations.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Southwind Bank competitors and assessment
Company assessmentDirect peers
- People's State Bank: Independent community bank in Kansas offering checking, savings, loans, and ag banking. Comparable in scope, local-banking model, and rural Kansas footprint.
- Tompkins Community Bank: Independent, locally headquartered community bank operating from multiple physical branches with consumer, business, and wealth services. Analogous model to Southwind's branch-anchored, relationship-driven community banking franchise.
- Bennington State Bank: Small Kansas community bank offering checking, savings, CDs, IRAs, agricultural loans, and digital banking to rural Kansas communities. Closest direct analog to Southwind's branch-and-community model.
- First National Bank of Hutchinson: Kansas community bank serving central Kansas with consumer and business deposit, loan, and digital banking products. Compares on community-bank scale, ag-and-SMB lending mix, and local decision-making.
Regional players
- Sunflower Bank, N.A. Kansas-headquartered community/regional bank offering personal and commercial banking, ag lending, and wealth services. Comparable in ag focus and full-service community banking orientation.
- Emprise Bank: Wichita-headquartered Kansas bank providing consumer and commercial banking, agricultural lending, and trust services across Kansas. Compares to Southwind on product breadth and ag expertise, with broader geographic scope.
- Intrust Bank, N.A. Wichita-based Kansas bank with full personal, business, ag, and wealth/trust services. Comparable in product mix and local-decision-making model, though at larger scale and broader footprint.
- Equity Bank: Multi-state community bank headquartered in Kansas with consumer, business, and ag banking plus treasury and digital channels. Comparable in Kansas-anchored community-banking playbook and product breadth.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Southwind Bank social profiles
Digital presenceSouthwind Bank compliance and trust
Trust signalCompliance4 records
Southwind Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Southwind Bank leadership team
Management profileNumber of profiles
Southwind Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Southwind Bank 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 Southwind Bank
What does Southwind Bank do?
Southwind Bank is a community bank that accepts consumer and business deposits and originates loans across consumer (vehicle, mortgage, personal), commercial (real estate, equipment, operating, lines of credit), and agricultural (cattle, inventory, oil) categories. It also issues debit and credit cards, provides merchant card-processing services in partnership with Bankers' Bank of Kansas, and offers fiduciary trust, estate, and asset-management services. All deposits are FDIC insured, with account access supported through two Kansas branches, online banking, and a mobile app.
Is Southwind Bank a public or private company?
Southwind Bank is a private company. It is classified as unknown and is currently operating.
When was Southwind Bank founded?
Southwind Bank was founded in 1909. It employs 11 to 50 people.
Where is Southwind Bank based?
Southwind Bank is headquartered in Natoma, United States, in the North America region.
How does Southwind Bank make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Account Fees and Charges, wire Transfer Fees, credit Card Interchange, merchant Services Processing and trust Services Fees.
Who are Southwind Bank's main competitors?
Direct peers on record are People's State Bank, Tompkins Community Bank, Bennington State Bank and First National Bank of Hutchinson. Regional players are Sunflower Bank, N.A., Emprise Bank, Intrust Bank, N.A. and Equity Bank.
Does Southwind Bank have an API?
No public API is recorded for Southwind Bank.
What industry is Southwind Bank in?
Southwind Bank'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 52211 and its SIC code is 6022.