Cowboy State Bank
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Data as of · sourced from FFIEC call reports. How we update
Cowboy State Bank is an FDIC-insured commercial bank headquartered in Ranchester, WY, established in 1912 (FDIC certificate 8725), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $50.3M, down 2.2% from Q2 2025, the 22nd largest of 24 banks headquartered in Wyoming. Its CET1 capital ratio was 14.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8725
- Headquarters
- Ranchester, WY
- Established
- 1912
- Total assets, Q2 2026
- $50.3M
- Assets vs Q2 2025
- -2.2%
- CET1 ratio, Q2 2026
- 14.39%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102301063
- Latest call report
- Q2 2026, FFIEC 051 · Cowboy State Bank call report
- Holding company
- COWBOY STATE BANCORP, INC.
- Asset rank in state
- 22nd of 24 in Wyoming
Cowboy State Bank earns an unusually wide margin on its lending. Its balance sheet stood at $50 million at June 30, 2026, down 2.2% from a year earlier; it is based in Ranchester, Wyoming. It keeps 6.35 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.52% on its deposits and borrowings, about a third the median of 1.53% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.91% of loans from 2.79%. Earnings fell sharply: quarterly net income of $112,000 was 32% below a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, 9.4 times the median of 26% for banks its size.
As of June 30, 2026, Cowboy State Bank reported a CET1 capital ratio of 14.39%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 17.97%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cowboy State Bank is the 22nd largest of the 24 banks headquartered in Wyoming. From Q1 2026 to Q2 2026, its total assets fell 3.3% to $50.3M, loans fell 1.0% and deposits fell 3.8%. Non-owner-occupied commercial real estate loans made up 43.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.0%. Its 2 offices in the FDIC Summary of Deposits are in Ranchester, WY and Sheridan, WY; its Ranchester office books 61% of its branch deposits. Judged on its Q2 2026 call report, Cowboy State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 515 Us Highway 14, Ranchester, WY 82839
- County
- Sheridan
- Metro Area
- Sheridan, WY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $44.4M
- Allowance for credit losses
- $746K
- Net charge-offs (YTD)
- $0
- Average total assets
- $51.2M
- Average total loans
- $35.2M
- Average interest-bearing deposits
- $35.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8725
- Fed RSSD
- 544951
- Website
- http://www.cowboystatebank.com →
- Parent Holding Company
- COWBOY STATE BANCORP, INC. (RSSD 2992426)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Cowboy State Bank's total assets moved between a low of $46.2M (Q4 2023) and a high of $53.0M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$50.3M total assets against $51.4M; $44.4M total liabilities against $45.4M.
$33.6M net loans and leases against $33.6M; $44.4M total deposits against $45.4M.
$4.9M securities against $5.7M; $7.2M cash and balances due against $8.4M.
$792K total interest income against $824K; $58K total interest expense against $100K.
$734K net interest income against $724K.
$30K total noninterest income against $23K; $652K total noninterest expense against $579K.
$0 provision for credit losses against $0.
$112K net income against $165K.
0.87% return on assets against 1.31%; 6.35% net interest margin against 6.27%.
14.39% CET1 capital ratio against 15.57%; 12.44% tier 1 leverage ratio against 11.91%.
Inside the full Cowboy State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cowboy State Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.43% (Q4 2024) to 1.39% (Q1 2025) and its net interest margin ran from 5.93% (Q1 2025) to 6.60% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.39% | 0.87% | 0.91% | 17.97% | 6.35% |
| Q1 2026 | 14.73% | 0.92% | 0.04% | 14.89% | 5.97% |
| Q4 2025 | 14.38% | 0.13% | 0.00% | 13.74% | 6.27% |
| Q3 2025 | 15.23% | 0.94% | 2.73% | 14.59% | 6.14% |
| Q2 2025 | 15.57% | 1.31% | 2.79% | 14.32% | 6.27% |
| Q1 2025 | 15.80% | 1.39% | 2.85% | 14.69% | 5.93% |
| Q4 2024 | 14.87% | -1.43% | 4.50% | 24.50% | 6.60% |
| Q3 2024 | 15.66% | 1.14% | 5.64% | 29.79% | 6.18% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Cowboy State Bank (main office) | Ranchester , WY | 82839 | $26.9M |
| Sheridan Branch | Sheridan , WY | 82801 | $17.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- May 6, 2010, Federal Reserve: Written Agreement: Cowboy State Bank, Ranchester, Wyoming
- Period: Most recent institution action May 6, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WY, rank 39 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.8M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Cowboy State Bank
What are Cowboy State Bank's total assets?
As of the Q2 2026 filing, Cowboy State Bank reported total assets of $50.3 million in its FFIEC call report.
Where is Cowboy State Bank headquartered?
It is headquartered in Ranchester, WY, United States.
When was Cowboy State Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Cowboy State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8725). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cowboy State Bank?
Cowboy State Bank's primary federal regulator is the Federal Reserve.
What is Cowboy State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cowboy State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cowboy State Bank's Texas Ratio?
Its Texas Ratio is 17.97% 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.
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