Cowboy State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.56 percentage points from Q1 2026 to Q2 2026, ending at 11.65% against 11.09%. It was the largest change among the key lines on this page. Within Wyoming, Cowboy State Bank is 11th of 15 on CET1 ratio, 14.39% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 19.57% on CET1 ratio. Cowboy State Bank sits 5.17 points lower, at 14.39% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.39% |
| Tier 1 risk-based capital ratio | 14.39% |
| Total risk-based capital ratio | 15.65% |
| Tier 1 leverage ratio | 12.44% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.4M |
| Tier 1 capital | $6.4M |
| Total risk-based capital | $6.9M |
| Total equity capital | $5.9M |
| Risk-weighted assets | $44.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.65% |
| Tangible equity to tangible assets | 11.65% |
| Equity capital to average assets | 11.43% |
| Internal capital growth rate | 7.78% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $3.9M |
| Retained earnings | $2.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$519K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.52% | 16.52% | 17.78% | 11.36% | $32.4M |
| Q4 2023 | 16.06% | 16.06% | 17.32% | 11.70% | $34.0M |
| Q1 2024 | 16.39% | 16.39% | 17.64% | 11.98% | $34.1M |
| Q2 2024 | 15.98% | 15.98% | 17.23% | 12.33% | $35.8M |
| Q3 2024 | 15.66% | 15.66% | 16.91% | 12.21% | $37.3M |
| Q4 2024 | 14.87% | 14.87% | 16.13% | 10.98% | $38.1M |
| Q1 2025 | 15.80% | 15.80% | 17.06% | 11.65% | $36.9M |
| Q2 2025 | 15.57% | 15.57% | 16.83% | 11.91% | $38.6M |
| Q3 2025 | 15.23% | 15.23% | 16.49% | 12.03% | $40.2M |
| Q4 2025 | 14.38% | 14.38% | 15.64% | 11.58% | $42.7M |
| Q1 2026 | 14.73% | 14.73% | 15.98% | 11.85% | $42.5M |
| Q2 2026 | 14.39% | 14.39% | 15.65% | 12.44% | $44.3M |
Cowboy State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cowboy State Bank, freeSource: Call Report Schedule RC-R, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8725) · FFIEC NIC profile (RSSD 544951)