Bank Comparison
Banner Capital Bank vs Cowboy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Banner Capital Bank | Cowboy Bank |
|---|---|---|
| CET1 Ratio | 12.20% | — |
| Tier 1 Capital Ratio | 12.20% | — |
| Total Capital Ratio | 13.45% | — |
| Tier 1 Leverage Ratio | 10.76% | 11.95% |
| Equity / Assets | 10.84% | 12.50% |
Profitability
| Metric | Banner Capital Bank | Cowboy Bank |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 2.54% |
| Return on Equity (ROE) | 15.20% | 21.23% |
| Net Interest Margin (NIM) | 4.43% | 4.77% |
| Yield on Earning Assets | 6.61% | 6.24% |
| Cost of Funds | 2.36% | 1.59% |
Asset quality
| Metric | Banner Capital Bank | Cowboy Bank |
|---|---|---|
| Texas Ratio | 5.87% | 3.30% |
| Non-Performing Loan Ratio | 0.60% | 0.00% |
| Non-Performing Asset Ratio | 0.66% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.32% | 1.16% |
Balance sheet
| Metric | Banner Capital Bank | Cowboy Bank |
|---|---|---|
| Total Assets | $368,899K | $369,256K |
| Total Deposits | $327,565K | $319,186K |
| Total Loans | $297,451K | $276,949K |
| Total Equity | $39,996K | $46,166K |
| Net Income (quarter) | $1,523K | $2,385K |
Liquidity & funding
| Metric | Banner Capital Bank | Cowboy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.81% | 86.77% |
| Core Deposit Ratio | 88.87% | 96.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Banner Capital Bank | Cowboy Bank |
|---|---|---|
| Headquarters City | HARRISBURG | KREMLIN |
| Headquarters State | NE | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 55 | 41 |
| Established | Oct. 10, 1964, midnight | May 1, 1900, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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