Cowboy State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 13.54 percentage points lower than in Q1 2026, at 35.94%. Cowboy State Bank ranks 7th of 23 Wyoming banks on loan-to-deposit ratio, in the upper half at 77.34% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Cowboy State Bank sits 9.71 points higher, at 77.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.3M |
| Net loans and leases | $33.6M |
| Loans held for sale | $0 |
| Loans to total assets | 68.32% |
| Loan-to-deposit ratio | 77.34% |
| Net loans to equity capital | 5.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.97% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.81% |
| Consumer | 5.38% |
| Credit cards | 0.00% |
| Farm | 8.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.13% |
| Construction concentration (Tier 1 capital + allowance) | 35.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.53% |
| Interest income on loans | $663K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $28.7M | $41.2M | 32.10% | 11.98% | 6.52% |
| Q4 2023 | $31.4M | $40.9M | 32.30% | 12.74% | 5.78% |
| Q1 2024 | $31.6M | $41.0M | 30.46% | 14.17% | 5.78% |
| Q2 2024 | $31.2M | $41.8M | 32.02% | 14.13% | 5.44% |
| Q3 2024 | $34.0M | $44.3M | 34.93% | 12.54% | 5.05% |
| Q4 2024 | $34.4M | $46.1M | 41.65% | 10.16% | 4.93% |
| Q1 2025 | $33.6M | $45.2M | 39.79% | 10.76% | 4.92% |
| Q2 2025 | $34.3M | $45.4M | 42.13% | 10.80% | 4.93% |
| Q3 2025 | $35.0M | $47.1M | 42.16% | 10.48% | 4.83% |
| Q4 2025 | $34.3M | $45.8M | 41.19% | 10.55% | 5.01% |
| Q1 2026 | $34.7M | $46.2M | 46.18% | 5.85% | 4.86% |
| Q2 2026 | $34.3M | $44.4M | 47.97% | 5.81% | 5.38% |
Cowboy State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cowboy State Bank, freeSource: Call Report Schedule RC-C, 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)