The Cowboy Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
The Cowboy Bank of Texas is an FDIC-insured commercial bank headquartered in Maypearl, TX, established in 1930 (FDIC certificate 12298), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $108.6M, up 1.6% from Q2 2025, the 305th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12298
- Headquarters
- Maypearl, TX
- Established
- 1930
- Total assets, Q2 2026
- $108.6M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 17.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111908787
- Latest call report
- Q2 2026, FFIEC 051 · The Cowboy Bank of Texas call report
- Holding company
- MAYPEARL BANCSHARES, INC.
- Asset rank in state
- 305th of 346 in Texas
Problem loans are rising at The Cowboy Bank of Texas. Its balance sheet stood at $109 million at June 30, 2026, up 1.6% from a year earlier; it is based in Maypearl, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.29% of loans from 1.08% a year earlier. It earns about $2.73 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 funds 17.51% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Loans and deposits moved in opposite directions: over the year loans fell 4.9% and deposits rose 0.6%. Credit is the area to watch: it carries problem assets equal to 10.6% of the capital and reserves that would absorb them, 4.0 times the median of 2.6% for banks its size.
As of June 30, 2026, The Cowboy Bank of Texas reported a return on assets of 2.73%, a nonperforming-loan ratio of 2.29% and a Texas ratio of 10.62%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The Cowboy Bank of Texas is the 305th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $108.6M, loans fell 6.0% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.5% of total loans, ahead of construction and land development loans at 37.2%. The FDIC Summary of Deposits lists a single office for it, in Maypearl, TX. On its Q2 2026 call report, The Cowboy Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Main St, Maypearl, TX 76064
- County
- Ellis
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1930
- Former names
- The Cowboy Bank of Texas (2007)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $88.1M
- Allowance for credit losses
- $644K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $108.0M
- Average total loans
- $66.6M
- Average interest-bearing deposits
- $60.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12298
- Fed RSSD
- 370954
- Website
- www.cowboybank.com →
- Parent Holding Company
- MAYPEARL BANCSHARES, INC. (RSSD 2591267)
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, The Cowboy Bank of Texas 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, The Cowboy Bank of Texas's total assets ran between $101.2M (Q2 2024) and $114.2M (Q1 2025), 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
$108.6M total assets against $106.9M; $90.0M total liabilities against $89.5M.
$63.7M net loans and leases against $66.9M; $88.1M total deposits against $87.6M.
$14.2M securities against $14.5M; $26.9M cash and balances due against $21.2M.
$1.6M total interest income against $1.8M; $422K total interest expense against $470K.
$1.2M net interest income against $1.3M.
$244K total noninterest income against $206K; $719K total noninterest expense against $701K.
$1K provision for credit losses against $2K.
$738K net income against $812K.
2.73% return on assets against 2.99%; 4.67% net interest margin against 5.01%.
17.51% tier 1 leverage ratio against 16.30%.
Inside the full The Cowboy Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Cowboy Bank of Texas rankings
Its closest position to the top of a national ranking is 110 of 3,611, for ROA; its furthest is 3,604 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.66% (Q4 2024) to 3.53% (Q3 2024) and its net interest margin ran from 4.62% (Q1 2026) to 5.57% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.51% | 2.73% | 2.29% | 10.62% | 4.67% |
| Q1 2026 | 16.70% | 2.77% | 0.14% | 3.39% | 4.62% |
| Q4 2025 | 17.06% | 2.40% | 0.23% | 5.98% | 4.96% |
| Q3 2025 | 16.88% | 3.10% | 1.15% | 11.27% | 5.09% |
| Q2 2025 | 16.30% | 2.99% | 1.08% | 9.47% | 5.01% |
| Q1 2025 | 15.84% | 3.18% | 1.57% | 6.36% | 5.04% |
| Q4 2024 | 16.00% | 1.66% | 0.20% | 0.82% | 5.24% |
| Q3 2024 | 16.61% | 3.53% | 2.00% | 8.50% | 5.57% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Cowboy Bank of Texas | Maypearl , TX | 76064 | $88.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 380 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Cowboy Bank of Texas
What are The Cowboy Bank of Texas's total assets?
As of the Q2 2026 filing, The Cowboy Bank of Texas reported total assets of $108.6 million in its FFIEC call report.
Where is The Cowboy Bank of Texas headquartered?
It is headquartered in Maypearl, TX, United States.
When was The Cowboy Bank of Texas founded?
It was established in 1930, per the FDIC institution directory.
Is The Cowboy Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12298). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cowboy Bank of Texas?
The Cowboy Bank of Texas's primary federal regulator is the FDIC.
How many branches does The Cowboy Bank of Texas operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cowboy Bank of Texas's Texas Ratio?
Its Texas Ratio is 10.62% 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.
What was The Cowboy Bank of Texas previously called?
The charter now named The Cowboy Bank of Texas has also operated as The Cowboy Bank of Texas (2007), per FDIC structure-change records.
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