Cowboy Bank
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Data as of · sourced from FFIEC call reports. How we update
Cowboy Bank is an FDIC-insured commercial bank headquartered in Kremlin, OK, established in 1900 (FDIC certificate 11526), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $350.3M, up 3.9% from Q2 2025, the 73rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11526
- Headquarters
- Kremlin, OK
- Established
- 1900
- Total assets, Q2 2026
- $350.3M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 12.72%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 103108045
- Holding company
- COWBOY BANCSHARES, LLC
- Asset rank in state
- 73rd of 169 in Oklahoma
Cowboy Bank is one of the more profitable banks of its size. The Kremlin, Oklahoma bank had $350 million in assets at June 30, 2026, up 3.9% from a year earlier. It earns about $2.53 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $2.4 million, 187% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.49% of loans from 2.06%.
As of June 30, 2026, Cowboy Bank reported a return on assets of 2.53%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 2.58%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Cowboy Bank is the 73rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.1% to $350.3M, loans fell 7.1% and deposits fell 6.7%. Its loan book on June 30, 2026 was led by agricultural production loans, at 20.7% of total loans, followed by non-owner-occupied commercial real estate loans at 19.5%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in OK; its Enid 2 offices book 67% of its branch deposits. On its Q2 2026 call report, Cowboy Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 6th St, Kremlin, OK 73753
- County
- Garfield
- Metro Area
- Enid, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 1, 1900
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $297.7M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $373.4M
- Average total loans
- $268.1M
- Average interest-bearing deposits
- $237.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11526
- Fed RSSD
- 883959
- Website
- www.cowboyfirst.bank →
- Parent Holding Company
- COWBOY BANCSHARES, LLC (RSSD 5422531)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cowboy Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cowboy Bank's total assets ran between $337.1M (Q2 2025) and $371.1M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$350.3M total assets against $337.1M; $301.8M total liabilities against $293.6M.
$254.1M net loans and leases against $247.7M; $297.7M total deposits against $289.1M.
$31.4M securities against $35.0M; $34.4M cash and balances due against $28.2M.
$5.4M total interest income against $5.2M; $1.2M total interest expense against $1.4M.
$4.1M net interest income against $3.8M.
$395K total noninterest income against $225K; $2.1M total noninterest expense against $2.1M.
$0 provision for credit losses against $1.0M.
$2.4M net income against $821K.
2.53% return on assets against 0.93%; 4.77% net interest margin against 4.69%.
12.72% tier 1 leverage ratio against 11.99%.
Inside the full Cowboy Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCowboy Bank rankings
Its closest position to the top of a national ranking is 158 of 3,611, for ROA; its furthest is 2,002 of 3,640, for Texas Ratio.
Banks merged into Cowboy Bank
- The Stock Exchange Bank, effective September 4, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q2 2025) to 2.60% (Q4 2025) and its net interest margin ran from 4.15% (Q4 2024) to 4.77% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 2.53% | 0.49% | 2.58% | 4.77% |
| Q1 2026 | 11.95% | 2.54% | 0.55% | 3.30% | 4.77% |
| Q4 2025 | 10.82% | 2.60% | 0.46% | 3.00% | 4.68% |
| Q3 2025 | 12.98% | 2.38% | 0.43% | 2.40% | 4.72% |
| Q2 2025 | 11.99% | 0.93% | 2.06% | 12.11% | 4.69% |
| Q1 2025 | 11.15% | 2.19% | 1.92% | 12.73% | 4.49% |
| Q4 2024 | 10.32% | 1.67% | 1.95% | 13.55% | 4.15% |
| Q3 2024 | 11.62% | 2.03% | 2.20% | 12.79% | 4.33% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Oakwood Branch | Enid , OK | 73703 | $108.7M |
| North Enid Branch | Enid , OK | 73701 | $89.4M |
| Cowboy Bank (main office) | Kremlin , OK | 73753 | $64.8M |
| Goltry Branch | Goltry , OK | 73739 | $17.9M |
| Drummond Branch | Drummond , OK | 73735 | $16.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 4, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 4, 2026 | Structure Change | Acquired The Stock Exchange Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 1998 | Structure Change | Acquired Bank of Drummond Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 21, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 1994 | Structure Change | Acquired First State Bank of Goltry Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 78 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 54 loans originated, $7.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $625K approved, $625K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cowboy Bank
What are Cowboy Bank's total assets?
As of the Q2 2026 filing, Cowboy Bank reported total assets of $350.3 million in its FFIEC call report.
Where is Cowboy Bank headquartered?
It is headquartered in Kremlin, OK, United States.
When was Cowboy Bank founded?
It was established in 1900, per the FDIC institution directory.
Is Cowboy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cowboy Bank?
Cowboy Bank's primary federal regulator is the Federal Reserve.
How many branches does Cowboy Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cowboy Bank's Texas Ratio?
Its Texas Ratio is 2.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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