COWBOY BANK
COWBOY BANK is an FDIC-insured commercial bank headquartered in KREMLIN, OK, established in 1900. As of , the bank reported total assets of $369M and total deposits of $321M. Profitability stands at 2.82% ROA and 22.66% ROE, with a net interest margin of 4.66%. CET1 capital ratio: 10.97%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 5 domestic branches.
Capital & Liquidity
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.97% | 2.82% | 0.00% | 0.00% | 4.66% |
| 2025-09-30 | 12.11% | 2.38% | 0.41% | 2.10% | 4.74% |
| 2025-06-30 | 11.81% | 0.94% | 2.05% | 10.97% | 4.71% |
| 2025-03-31 | 10.75% | 2.25% | 1.91% | 11.42% | 4.40% |
| 2024-12-31 | 10.05% | 1.72% | 1.94% | 12.02% | 4.14% |
| 2024-09-30 | 10.74% | 2.02% | 2.12% | 11.09% | 4.35% |
| 2024-06-30 | 10.26% | 2.00% | 2.01% | 11.23% | 4.47% |
| 2024-03-31 | 10.25% | 2.07% | 0.02% | 0.11% | 4.70% |
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Frequently asked about COWBOY BANK
What are Cowboy Bank's total assets?
As of the Q4 2025 filing, Cowboy Bank reported total assets of $368.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cowboy Bank headquartered?
Cowboy Bank is headquartered in KREMLIN, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cowboy Bank founded?
Cowboy Bank was established in 1900, per the FDIC institution directory.
Is Cowboy Bank FDIC-insured?
Yes. Cowboy Bank is an FDIC-insured commercial bank (FDIC Certificate #11526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cowboy Bank?
Cowboy Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cowboy Bank's CET1 capital ratio?
Cowboy Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its most recent quarterly filing — above regulatory minimums.
How many branches does Cowboy Bank operate?
Cowboy Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Cowboy Bank's Texas Ratio?
Cowboy Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.