BlastPoint's Banking Scorecard
Cowboy Bank
Kremlin, OK
5 branches across OK
Cowboy Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19.2% in tier
- + Net Interest Margin 1.05% above tier average
- + Efficiency Ratio 26.14% below tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$369.3M
+2.7% YoY
+0.2% QoQ
|
-$16.8M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$273.7M
+2.3% YoY
-1.7% QoQ
|
+$18.0M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$319.2M
+5.5% YoY
-0.6% QoQ
|
-$8.8M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
2.59%
+14.8% YoY
+23.6% QoQ
|
+1.32% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 3.8% in tier |
| Net Interest Margin ? |
4.98%
+10.5% YoY
+5.3% QoQ
|
+1.05% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 7.4% in tier |
| Efficiency Ratio ? |
39.15%
-8.4% YoY
-13.7% QoQ
|
-26.14% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 3.3% in tier |
| Delinquency Rate ? |
0.55%
-71.3% YoY
+19.3% QoQ
|
-0.33% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
85.76%
-3.0% YoY
-1.2% QoQ
|
+9.12% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
24.61%
-9.0% YoY
+3.3% QoQ
|
+2.59% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.41%
-71.5% YoY
+17.0% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
11.95%
+7.1% YoY
+10.4% QoQ
|
-3.88% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.09%
-18.4% YoY
-76.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.