Cowboy State Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 3.10 percentage points higher than in Q1 2026, at 98.26%. Within Wyoming, Cowboy State Bank is 7th of 23 on loan-to-deposit ratio, 77.34% as of Q2 2026, above the middle of the field. Cowboy State Bank reported 77.34% on loan-to-deposit ratio for Q2 2026, 9.71 points above the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $7.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $12.0M |
| Fed funds sold and reverse repos | $56K |
| Fed funds sold and reverse repos to assets | 0.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.34% |
| Net loans and leases to deposits | 75.66% |
| Loans and leases to core deposits | 78.71% |
| Core deposits to total deposits | 98.26% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.63% | 94.87% | $0 | $0 |
| Q4 2023 | 76.62% | 91.61% | $0 | $0 |
| Q1 2024 | 77.03% | 95.47% | $0 | $0 |
| Q2 2024 | 74.62% | 96.53% | $0 | $0 |
| Q3 2024 | 76.84% | 92.81% | $0 | $0 |
| Q4 2024 | 74.70% | 95.46% | $0 | $0 |
| Q1 2025 | 74.28% | 95.33% | $0 | $0 |
| Q2 2025 | 75.69% | 95.29% | $0 | $0 |
| Q3 2025 | 74.35% | 96.32% | $0 | $0 |
| Q4 2025 | 74.83% | 92.59% | $0 | $0 |
| Q1 2026 | 75.17% | 95.16% | $0 | $0 |
| Q2 2026 | 77.34% | 98.26% | $0 | $0 |
Cowboy State Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cowboy State Bank, freeSource: Call Report Schedules RC and RC-M, 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)