Bank Comparison
Cowboy Bank of Texas, the vs Lytle State Bank of Lytle, Texas, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 5
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Cowboy Bank of Texas, the | Lytle State Bank of Lytle, Texas, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.70% | 15.25% |
| Equity / Assets | 16.59% | 10.93% |
Profitability
| Metric | Cowboy Bank of Texas, the | Lytle State Bank of Lytle, Texas, the |
|---|---|---|
| Return on Assets (ROA) | 2.77% | 0.42% |
| Return on Equity (ROE) | 16.66% | 3.91% |
| Net Interest Margin (NIM) | 4.62% | 3.84% |
| Yield on Earning Assets | 6.22% | 4.63% |
| Cost of Funds | 1.86% | 0.88% |
Asset quality
| Metric | Cowboy Bank of Texas, the | Lytle State Bank of Lytle, Texas, the |
|---|---|---|
| Texas Ratio | 3.39% | 6.69% |
| Non-Performing Loan Ratio | 0.14% | 1.98% |
| Non-Performing Asset Ratio | 0.58% | 0.75% |
| Net Charge-Off Ratio | 0.01% | 0.35% |
| ACL / Loans | 0.94% | 0.90% |
Balance sheet
| Metric | Cowboy Bank of Texas, the | Lytle State Bank of Lytle, Texas, the |
|---|---|---|
| Total Assets | $109,261K | $112,568K |
| Total Deposits | $89,216K | $98,859K |
| Total Loans | $68,484K | $42,777K |
| Total Equity | $18,126K | $12,307K |
| Net Income (quarter) | $763 | $121 |
Liquidity & funding
| Metric | Cowboy Bank of Texas, the | Lytle State Bank of Lytle, Texas, the |
|---|---|---|
| Loan-to-Deposit Ratio | 76.76% | 43.27% |
| Core Deposit Ratio | 89.27% | 92.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cowboy Bank of Texas, the | Lytle State Bank of Lytle, Texas, the |
|---|---|---|
| Headquarters City | MAYPEARL | LYTLE |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 16 | 24 |
| Established | Jan. 1, 1930, midnight | Sept. 14, 1910, 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.
View full Cowboy Bank of Texas, the profile | View full Lytle State Bank of Lytle, Texas, the profile | Browse all bank comparisons