Bank Comparison
Summit National Bank vs Cowboy State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 14
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Summit National Bank | Cowboy State Bank |
|---|---|---|
| CET1 Ratio | 4.85% | 14.73% |
| Tier 1 Capital Ratio | 4.85% | 14.73% |
| Total Capital Ratio | 6.11% | 15.98% |
| Tier 1 Leverage Ratio | 2.54% | 11.85% |
| Equity / Assets | 2.25% | 11.09% |
Profitability
| Metric | Summit National Bank | Cowboy State Bank |
|---|---|---|
| Return on Assets (ROA) | -0.64% | 0.92% |
| Return on Equity (ROE) | -30.55% | 8.09% |
| Net Interest Margin (NIM) | 2.03% | 5.97% |
| Yield on Earning Assets | 4.40% | 6.62% |
| Cost of Funds | 2.36% | 0.68% |
Asset quality
| Metric | Summit National Bank | Cowboy State Bank |
|---|---|---|
| Texas Ratio | 7.61% | 14.89% |
| Non-Performing Loan Ratio | 0.45% | 0.00% |
| Non-Performing Asset Ratio | 0.23% | 1.84% |
| Net Charge-Off Ratio | -0.06% | 0.00% |
| ACL / Loans | 1.52% | 2.15% |
Balance sheet
| Metric | Summit National Bank | Cowboy State Bank |
|---|---|---|
| Total Assets | $70,650K | $51,961K |
| Total Deposits | $68,756K | $46,156K |
| Total Loans | $36,194K | $34,697K |
| Total Equity | $1,592K | $5,762K |
| Net Income (quarter) | $-114 | $121 |
Liquidity & funding
| Metric | Summit National Bank | Cowboy State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.64% | 75.17% |
| Core Deposit Ratio | 100.00% | 95.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Summit National Bank | Cowboy State Bank |
|---|---|---|
| Headquarters City | HULETT | RANCHESTER |
| Headquarters State | WY | WY |
| Asset Tier | Micro | Micro |
| Charter Class | 18154 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 24 | 17 |
| Established | Feb. 28, 1984, midnight | Jan. 1, 1912, 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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