Bank Comparison
Cowboy Bank of Texas, the vs First Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Cowboy Bank of Texas, the | First Capital Bank |
|---|---|---|
| CET1 Ratio | — | 12.91% |
| Tier 1 Capital Ratio | — | 12.91% |
| Total Capital Ratio | — | 14.17% |
| Tier 1 Leverage Ratio | 16.70% | 9.18% |
| Equity / Assets | 16.59% | 9.27% |
Profitability
| Metric | Cowboy Bank of Texas, the | First Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 2.77% | 1.98% |
| Return on Equity (ROE) | 16.66% | 22.27% |
| Net Interest Margin (NIM) | 4.62% | 6.52% |
| Yield on Earning Assets | 6.22% | 7.96% |
| Cost of Funds | 1.86% | 1.40% |
Asset quality
| Metric | Cowboy Bank of Texas, the | First Capital Bank |
|---|---|---|
| Texas Ratio | 3.39% | 33.92% |
| Non-Performing Loan Ratio | 0.14% | 4.05% |
| Non-Performing Asset Ratio | 0.58% | 3.45% |
| Net Charge-Off Ratio | 0.01% | 1.78% |
| ACL / Loans | 0.94% | 1.82% |
Balance sheet
| Metric | Cowboy Bank of Texas, the | First Capital Bank |
|---|---|---|
| Total Assets | $109,261K | $107,177K |
| Total Deposits | $89,216K | $96,792K |
| Total Loans | $68,484K | $79,469K |
| Total Equity | $18,126K | $9,932K |
| Net Income (quarter) | $763 | $539 |
Liquidity & funding
| Metric | Cowboy Bank of Texas, the | First Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.76% | 82.10% |
| Core Deposit Ratio | 89.27% | 88.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cowboy Bank of Texas, the | First Capital Bank |
|---|---|---|
| Headquarters City | MAYPEARL | QUANAH |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 16 | 24 |
| Established | Jan. 1, 1930, midnight | Jan. 1, 1907, 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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