Cowboy Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 318105.33 percentage points in Q2 2026, from 322400.00% to 4294.67%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Cowboy Bank ranks 8th highest among the 169 banks headquartered in Oklahoma, at 2.53% (Q2 2026). Cowboy Bank's return on assets of 2.53% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.27 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.72% |
| Equity capital to assets | 13.86% |
| Tangible equity to tangible assets | 13.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.58% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 4294.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.53% |
| Return on equity | 19.93% |
| Net interest margin | 4.77% |
| Efficiency ratio | 40.43% |
| Yield on earning assets | 6.18% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.43% |
| Core deposits to total deposits | 95.28% |
| Brokered deposits to total deposits | 0.86% |
| Deposits to assets | 84.99% |
| Securities to assets | 8.95% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.64% | 2.43% | 4.78% | 0.00% | -0.00% |
| Q4 2023 | 10.50% | 2.14% | 4.66% | 0.00% | 0.00% |
| Q1 2024 | 11.34% | 2.11% | 4.68% | 0.02% | 0.00% |
| Q2 2024 | 11.16% | 2.00% | 4.45% | 2.01% | -0.16% |
| Q3 2024 | 11.62% | 2.03% | 4.33% | 2.12% | 0.35% |
| Q4 2024 | 10.32% | 1.67% | 4.15% | 1.94% | 0.32% |
| Q1 2025 | 11.15% | 2.19% | 4.49% | 1.91% | -0.00% |
| Q2 2025 | 11.99% | 0.93% | 4.69% | 2.05% | 0.01% |
| Q3 2025 | 12.98% | 2.38% | 4.72% | 0.41% | -0.23% |
| Q4 2025 | 10.82% | 2.60% | 4.68% | 0.00% | -0.13% |
| Q1 2026 | 11.95% | 2.54% | 4.77% | 0.00% | 0.01% |
| Q2 2026 | 12.72% | 2.53% | 4.77% | 0.03% | 0.00% |
Cowboy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cowboy Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cowboy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11526) · FFIEC NIC profile (RSSD 883959)