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Cowboy Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 11526

Kremlin, OK

5 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +3.0% year over year ($297.7M on the books).
  • Delinquency rate 0.49%.
  • Return on assets 2.62%.
  • Efficiency ratio 39.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Cowboy Bank demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 0.6% in tier
  • + Deposit Franchise: Top 69.4% in tier
  • + Efficiency Ratio 24.66% below tier average
  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Cowboy Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $350.3M
+3.9% YoY -5.1% QoQ
-$36.3M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $254.1M
+2.6% YoY -7.2% QoQ
-$4.3M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $297.7M
+3.0% YoY -6.7% QoQ
-$29.0M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 2.62%
+61.8% YoY +1.2% QoQ
+1.29% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 3.7% in tier
Net Interest Margin ? 5.04%
+8.4% YoY +1.2% QoQ
+1.06% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 7.4% in tier
Efficiency Ratio ? 39.82%
-11.3% YoY +1.7% QoQ
-24.66% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 3.9% in tier
Delinquency Rate ? 0.49%
-76.4% YoY -11.0% QoQ
-0.42% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 85.35%
-0.4% YoY -0.5% QoQ
+7.39% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 28.62%
+3.8% YoY +16.3% QoQ
+6.59% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.36%
-76.7% YoY -12.9% QoQ
-0.31% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 12.72%
+6.1% YoY +6.5% QoQ
-3.18% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.21%
+11.8% YoY +126.1% QoQ
-0.35% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 28.6%
+1.0pp YoY
+4.0pp QoQ
 +6.5pp 22.1% 23.9% 22.2% 78%
Brokered Deposits 0.9%
-1.8pp YoY
-5.5pp QoQ
 -7.0pp 7.9% 9.7% 8.5% 17%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 15.2%
-0.8pp YoY
+3.0pp QoQ
 +3.6pp 11.6% 15.7% 12.5% 77%
CRE 24.5%
+1.7pp YoY
+0.7pp QoQ
 -15.1pp 39.5% 42.0% 41.4% 26%
1-4 Family 14.2%
+0.4pp YoY
+1.0pp QoQ
 -18.4pp 32.6% 24.0% 31.3% 18%
Consumer 2.5%
+0.3pp YoY
+0.5pp QoQ
 -1.6pp 4.1% 5.6% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 12.7%
+0.7pp YoY
+0.8pp QoQ
 +0.6pp 12.2% 11.7% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 41
-2 (-4.7%) YoY
0 QoQ
 -18 58 150 482 42%
Assets per Employee ($) $8.5M
+9.0% YoY
-5.1% QoQ
 +$1.0M $7.5M $6.5M $8.8M 74%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.5pp YoY
-0.1pp QoQ
 +0.1pp 0.3% 0.9% 0.4% 82%
Nonaccrual 0.0%
-2.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.5% 1.0% 8%
Allowance Coverage 2.57x
+279.9% YoY
+20.9% QoQ
 -21.59x 24.15x 61.99x 20.23x 54%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 42%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 20.6%
+7.1pp YoY
-0.7pp QoQ
 +8.4pp 12.2% 11.9% 11.6% 89%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 37%
Net Income ($, YTD) $4.7M
+66.6% YoY
— QoQ
 +$2.2M $2.6M $8.7M $40.4M 86%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#5 of 661 • Top 0.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.62%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#194 of 278 • Top 69.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 28.62%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.04%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

98
Return on Assets
profitability
Value: 2.62%
Peer Median: 1.32%
#98 of 2643 Top 3.7% in $100M-$1B
104
Efficiency Ratio
profitability
Value: 39.82%
Peer Median: 64.48%
#104 of 2643 Top 3.9% in $100M-$1B
196
Net Interest Margin
profitability
Value: 5.04%
Peer Median: 3.99%
#196 of 2643 Top 7.4% in $100M-$1B
584
Non-Interest-Bearing Deposit Share
funding
Value: 28.62%
Peer Median: 22.03%
#584 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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