Bank Comparison
Morganton Savings Bank, S.S.B. vs Cowboy Bank of Texas, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Morganton Savings Bank, S.S.B. | Cowboy Bank of Texas, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 26.55% | 16.70% |
| Equity / Assets | 26.20% | 16.59% |
Profitability
| Metric | Morganton Savings Bank, S.S.B. | Cowboy Bank of Texas, the |
|---|---|---|
| Return on Assets (ROA) | 0.20% | 2.77% |
| Return on Equity (ROE) | 0.74% | 16.66% |
| Net Interest Margin (NIM) | 3.54% | 4.62% |
| Yield on Earning Assets | 4.57% | 6.22% |
| Cost of Funds | 1.32% | 1.86% |
Asset quality
| Metric | Morganton Savings Bank, S.S.B. | Cowboy Bank of Texas, the |
|---|---|---|
| Texas Ratio | 0.57% | 3.39% |
| Non-Performing Loan Ratio | 0.27% | 0.14% |
| Non-Performing Asset Ratio | 0.16% | 0.58% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 3.59% | 0.94% |
Balance sheet
| Metric | Morganton Savings Bank, S.S.B. | Cowboy Bank of Texas, the |
|---|---|---|
| Total Assets | $109,151K | $109,261K |
| Total Deposits | $72,187K | $89,216K |
| Total Loans | $66,377K | $68,484K |
| Total Equity | $28,596K | $18,126K |
| Net Income (quarter) | $53 | $763 |
Liquidity & funding
| Metric | Morganton Savings Bank, S.S.B. | Cowboy Bank of Texas, the |
|---|---|---|
| Loan-to-Deposit Ratio | 91.95% | 76.76% |
| Core Deposit Ratio | 93.68% | 89.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Morganton Savings Bank, S.S.B. | Cowboy Bank of Texas, the |
|---|---|---|
| Headquarters City | MORGANTON | MAYPEARL |
| Headquarters State | NC | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 11 | 16 |
| Established | Jan. 1, 1903, midnight | Jan. 1, 1930, 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 Morganton Savings Bank, S.S.B. profile | View full Cowboy Bank of Texas, the profile | Browse all bank comparisons