Cowboy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cowboy Bank of Kremlin, OK against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.53% | 1.34% | +1.19% | 94th top |
| ROAE | 19.93% | 13.31% | +6.62% | 87th top |
| Net Interest Margin | 4.77% | 3.93% | +0.84% | 88th top |
| Efficiency Ratio | 40.43% | 61.15% | -20.72% | 95th top |
| PPNR / Avg Assets | 2.63% | 1.68% | +0.95% | 92nd top |
| Yield on Earning Assets | 6.18% | 5.67% | +0.51% | 76th top |
| Cost of Funds | 1.52% | 1.88% | -0.36% | 69th above |
| Net Interest Spread | 4.05% | 3.32% | +0.73% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 81st top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) | 4294.67% | 1537.65% | +2757.02% | — |
| Texas Ratio | 2.58% | 7.33% | -4.75% | 57th above |
| Provision / NCO | 0.00% | 1396.21% | -1396.21% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.72% | 12.14% | +0.58% | 72nd above |
| Equity / Assets | 13.86% | 11.37% | +2.49% | 84th top |
| TCE / Tangible Assets | 13.07% | 11.09% | +1.98% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.43% | 80.64% | +5.79% | 37th below |
| Core Deposit Ratio | 95.28% | 86.86% | +8.42% | 85th top |
| Wholesale Funding Ratio | 0.86% | 5.04% | -4.18% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.92% | 6.85% | -2.93% | 46th below |
| Loan Growth (Y/Y) | 2.44% | 7.90% | -5.46% | 33rd below |
| Deposit Growth (Y/Y) | 2.97% | 6.29% | -3.32% | 43rd below |
See Cowboy Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cowboy Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cowboy Bank profile, how to read a UBPR, or how this data updates.