BlastPoint's Banking Scorecard
The Cowboy Bank of Texas
Maypearl, TX
The Cowboy Bank of Texas has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27.2% in tier
- + Return on Assets 1.50% above tier average
- + Net Interest Margin 0.73% above tier average
- + Efficiency Ratio 18.98% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.3M
-4.3% YoY
-1.5% QoQ
|
-$276.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.6% in tier |
| Total Loans ? |
$67.8M
-2.8% YoY
+2.3% QoQ
|
-$187.9M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.8% in tier |
| Total Deposits ? |
$89.2M
-6.7% YoY
-1.4% QoQ
|
-$238.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.4% in tier |
| Return on Assets ? |
2.77%
-11.2% YoY
-4.3% QoQ
|
+1.50% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 3.1% in tier |
| Net Interest Margin ? |
4.66%
-7.2% YoY
-7.6% QoQ
|
+0.73% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 13.9% in tier |
| Efficiency Ratio ? |
46.31%
+8.1% YoY
-3.3% QoQ
|
-18.98% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 10.3% in tier |
| Delinquency Rate ? |
0.14%
-91.2% YoY
-40.1% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
76.04%
+4.2% YoY
+3.7% QoQ
|
-0.60% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
26.45%
-7.6% YoY
-5.5% QoQ
|
+4.43% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.58%
-40.0% YoY
-43.7% QoQ
|
-0.06% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
16.70%
+5.5% YoY
-2.1% QoQ
|
+0.87% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.18%
+15.4% YoY
-75.6% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
83% |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.