The Cowboy Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Cowboy Bank of Texas of Maypearl, TX 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 | 2.73% | 1.34% | +1.39% | 96th top |
| ROAE | 16.08% | 13.31% | +2.77% | 71st above |
| Net Interest Margin | 4.67% | 3.93% | +0.74% | 85th top |
| Efficiency Ratio | 49.31% | 61.14% | -11.83% | 82nd top |
| PPNR / Avg Assets | 2.74% | 1.68% | +1.06% | 93rd top |
| Yield on Earning Assets | 6.29% | 5.67% | +0.62% | 80th top |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 39th below |
| Net Interest Spread | 3.76% | 3.32% | +0.44% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.29% | 0.94% | +1.35% | 11th bottom |
| NPA / Total Assets | 1.88% | 0.70% | +1.18% | 8th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 26th below |
| ACL / NPLs (Coverage) | 43.63% | 1538.84% | -1495.21% | 8th bottom |
| Texas Ratio | 10.62% | 7.33% | +3.29% | 21st bottom |
| Provision / NCO | 0.00% | 1395.71% | -1395.71% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.51% | 12.14% | +5.37% | 93rd top |
| Equity / Assets | 17.12% | 11.37% | +5.75% | 93rd top |
| TCE / Tangible Assets | 17.12% | 11.09% | +6.03% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.09% | 80.64% | -7.55% | 65th above |
| Core Deposit Ratio | 86.42% | 86.86% | -0.44% | 36th below |
| Wholesale Funding Ratio | 1.38% | 5.03% | -3.65% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.63% | 6.85% | -5.22% | 30th below |
| Loan Growth (Y/Y) | -4.88% | 7.90% | -12.78% | 8th bottom |
| Deposit Growth (Y/Y) | 0.58% | 6.29% | -5.71% | 27th below |
See The Cowboy Bank of Texas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Cowboy Bank of Texas, 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 The Cowboy Bank of Texas profile, how to read a UBPR, or how this data updates.