Bank Comparison
Cowboy Bank of Texas, the vs Covington County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cowboy Bank of Texas, the | Covington County Bank |
|---|---|---|
| CET1 Ratio | — | 18.65% |
| Tier 1 Capital Ratio | — | 18.65% |
| Total Capital Ratio | — | 19.32% |
| Tier 1 Leverage Ratio | 16.70% | 13.44% |
| Equity / Assets | 16.59% | 12.14% |
Profitability
| Metric | Cowboy Bank of Texas, the | Covington County Bank |
|---|---|---|
| Return on Assets (ROA) | 2.77% | 1.35% |
| Return on Equity (ROE) | 16.66% | 11.23% |
| Net Interest Margin (NIM) | 4.62% | 4.49% |
| Yield on Earning Assets | 6.22% | 6.36% |
| Cost of Funds | 1.86% | 2.07% |
Asset quality
| Metric | Cowboy Bank of Texas, the | Covington County Bank |
|---|---|---|
| Texas Ratio | 3.39% | 5.31% |
| Non-Performing Loan Ratio | 0.14% | 0.09% |
| Non-Performing Asset Ratio | 0.58% | 0.07% |
| Net Charge-Off Ratio | 0.01% | 0.02% |
| ACL / Loans | 0.94% | 0.69% |
Balance sheet
| Metric | Cowboy Bank of Texas, the | Covington County Bank |
|---|---|---|
| Total Assets | $109,261K | $108,784K |
| Total Deposits | $89,216K | $93,744K |
| Total Loans | $68,484K | $76,385K |
| Total Equity | $18,126K | $13,202K |
| Net Income (quarter) | $763 | $366 |
Liquidity & funding
| Metric | Cowboy Bank of Texas, the | Covington County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.76% | 81.48% |
| Core Deposit Ratio | 89.27% | 86.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cowboy Bank of Texas, the | Covington County Bank |
|---|---|---|
| Headquarters City | MAYPEARL | COLLINS |
| Headquarters State | TX | MS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 16 | 21 |
| Established | Jan. 1, 1930, midnight | May 1, 1975, 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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