Cowboy State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cowboy State Bank of Ranchester, WY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 3.14% | -2.27% | 42nd below |
| ROAE | 7.71% | 10.42% | -2.71% | 46th below |
| Net Interest Margin | 6.35% | 3.93% | +2.42% | 98th top |
| Efficiency Ratio | 85.34% | 76.29% | +9.05% | 23rd bottom |
| PPNR / Avg Assets | 0.87% | 1.40% | -0.53% | 34th below |
| Yield on Earning Assets | 6.85% | 5.35% | +1.50% | 93rd top |
| Cost of Funds | 0.52% | 1.71% | -1.19% | 95th top |
| Net Interest Spread | 6.19% | 3.31% | +2.88% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 1.34% | -1.30% | 63rd above |
| NPA / Total Assets | 1.77% | 0.71% | +1.06% | 10th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.17% | 1.48% | +0.69% | 85th top |
| ACL / NPLs (Coverage) | 5328.57% | 854.94% | +4473.63% | — |
| Texas Ratio | 17.97% | 8.24% | +9.73% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.39% | 62.00% | -47.61% | 19th bottom |
| Tier 1 Ratio | 14.39% | 62.01% | -47.62% | 19th bottom |
| Total Capital Ratio | 15.65% | 62.97% | -47.32% | 21st bottom |
| Leverage Ratio | 12.44% | 17.61% | -5.17% | 44th below |
| Equity / Assets | 11.65% | 16.43% | -4.78% | 43rd below |
| TCE / Tangible Assets | 11.65% | 16.18% | -4.53% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.34% | 72.82% | +4.52% | 35th below |
| Core Deposit Ratio | 98.26% | 88.20% | +10.06% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.17% | 4.31% | -6.48% | 21st bottom |
| Loan Growth (Y/Y) | -0.03% | 6.73% | -6.76% | 41st below |
| Deposit Growth (Y/Y) | -2.16% | 3.78% | -5.94% | 24th bottom |
See Cowboy State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cowboy State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cowboy State Bank profile, how to read a UBPR, or how this data updates.