COWBOY STATE BANK

RANCHESTER, WY | Micro | Est. Jan. 1, 1912, midnight | FDIC #8725 | RSSD #544951 | FED
Latest Report: 2025-12-31

COWBOY STATE BANK is amn micro FDIC-insured commercial bank headquartered in RANCHESTER, WY, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $52M and total deposits of $46M. Profitability stands at 0.13% ROA and 1.13% ROE, with a net interest margin of 6.30%. The bank's CET1 capital ratio is 14.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 13.74%. FDIC Certificate #8725.

Assets

$52M

Deposits

$46M

Loans

$34M

Equity

$6M

Profitability

Return on Assets (ROA) 0.13%
Return on Equity (ROE) 1.13%
Net Interest Margin (NIM) 6.30%
Yield on Assets 7.10%
Cost of Funds 1.03%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 13.74%
NPA Ratio 1.84%
ACL / Loans 2.18%

Capital & Liquidity

CET1 Ratio 14.38%
Tier 1 Capital 14.38%
Total Capital Ratio 15.64%
Leverage Ratio 11.58%
Loan-to-Deposit 74.83%

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