Bank Comparison
Cowboy State Bank vs State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Cowboy State Bank | State Bank |
|---|---|---|
| CET1 Ratio | 14.73% | — |
| Tier 1 Capital Ratio | 14.73% | — |
| Total Capital Ratio | 15.98% | — |
| Tier 1 Leverage Ratio | 11.85% | 9.60% |
| Equity / Assets | 11.09% | 9.37% |
Profitability
| Metric | Cowboy State Bank | State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 0.96% |
| Return on Equity (ROE) | 8.09% | 10.10% |
| Net Interest Margin (NIM) | 5.97% | 4.32% |
| Yield on Earning Assets | 6.62% | 6.58% |
| Cost of Funds | 0.68% | 2.42% |
Asset quality
| Metric | Cowboy State Bank | State Bank |
|---|---|---|
| Texas Ratio | 14.89% | 2.67% |
| Non-Performing Loan Ratio | 0.00% | 0.34% |
| Non-Performing Asset Ratio | 1.84% | 0.28% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 2.15% | 1.28% |
Balance sheet
| Metric | Cowboy State Bank | State Bank |
|---|---|---|
| Total Assets | $51,961K | $112,220K |
| Total Deposits | $46,156K | $100,928K |
| Total Loans | $34,697K | $92,416K |
| Total Equity | $5,762K | $10,512K |
| Net Income (quarter) | $121 | $262 |
Liquidity & funding
| Metric | Cowboy State Bank | State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.17% | 91.57% |
| Core Deposit Ratio | 95.16% | 90.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cowboy State Bank | State Bank |
|---|---|---|
| Headquarters City | RANCHESTER | GREEN RIVER |
| Headquarters State | WY | WY |
| Asset Tier | Micro | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 17 | 18 |
| Established | Jan. 1, 1912, midnight | Aug. 18, 1997, 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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