BanksCOWBOY STATE BANK

COWBOY STATE BANK

RANCHESTER, WYMicroEst. Jan. 1, 1912, midnightFDIC #8725RSSD #544951FED
Latest · 2025-12-31

COWBOY STATE BANK is an 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%. CET1 capital ratio: 14.38%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 13.74%. Operates 2 domestic branches.

Assets
$52M
Deposits
$46M
Loans
$34M
Equity
$6M

Profitability

Return on Assets (ROA)0.13%
Return on Equity (ROE)1.13%
Net Interest Margin6.30%
Yield on Assets7.10%
Cost of Funds0.83%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.05%
Texas Ratio13.74%
NPA Ratio1.84%
ACL / Loans2.18%

Capital & Liquidity

CET1 Ratio14.38%
Tier 1 Capital14.38%
Total Capital Ratio15.64%
Leverage Ratio11.58%
Loan-to-Deposit74.83%

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