The Cowboy Bank of Texas: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 634.26 percentage points lower than in Q1 2026, at 43.63%. Among 345 Texas banks, The Cowboy Bank of Texas sits 13th from the top on return on assets, 2.73% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, The Cowboy Bank of Texas reported 2.73% on return on assets in Q2 2026, 1.48 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.51% |
| Equity capital to assets | 17.12% |
| Tangible equity to tangible assets | 17.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.29% |
| Non-performing assets ratio | 1.88% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.62% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 43.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.73% |
| Return on equity | 16.08% |
| Net interest margin | 4.67% |
| Efficiency ratio | 49.31% |
| Yield on earning assets | 6.29% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.09% |
| Core deposits to total deposits | 86.42% |
| Brokered deposits to total deposits | 2.26% |
| Deposits to assets | 81.07% |
| Securities to assets | 13.07% |
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 | 14.96% | 3.52% | 5.33% | 0.64% | -0.05% |
| Q4 2023 | 15.42% | 2.79% | 5.43% | 0.61% | 0.42% |
| Q1 2024 | 15.46% | 3.38% | 5.21% | 0.58% | 0.05% |
| Q2 2024 | 16.13% | 3.17% | 5.22% | 2.09% | -0.01% |
| Q3 2024 | 16.61% | 3.53% | 5.57% | 2.00% | 0.01% |
| Q4 2024 | 16.00% | 1.66% | 5.24% | 0.20% | 0.00% |
| Q1 2025 | 15.84% | 3.18% | 5.04% | 1.57% | 0.00% |
| Q2 2025 | 16.30% | 2.99% | 5.01% | 0.67% | 0.01% |
| Q3 2025 | 16.88% | 3.10% | 5.09% | 0.65% | 0.01% |
| Q4 2025 | 17.06% | 2.40% | 4.96% | 0.23% | 0.91% |
| Q1 2026 | 16.70% | 2.77% | 4.62% | 0.14% | 0.01% |
| Q2 2026 | 17.51% | 2.73% | 4.67% | 2.29% | 0.00% |
The Cowboy Bank of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cowboy Bank of Texas, 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 The Cowboy Bank of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12298) · FFIEC NIC profile (RSSD 370954)