BlastPoint's Banking Scorecard

The Cowboy Bank of Texas

$100M-$1B Specialty: Commercial TX FDIC cert 12298

Maypearl, TX

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 219 in TX.
Deposits +0.6% year over year ($88.1M on the books).
Delinquency rate 2.32%.
Return on assets 2.74%.
Efficiency ratio 47.83% vs a 64.48% peer average.
Loan-to-deposit ratio 72.36% 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 219 in TX

View $100M-$1B leaderboard (TX) →

The Cowboy Bank of Texas has 4 strengths but faces 2 concerns

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

+ Revenue Diversifier: Top 25.0% in tier
+ Return on Assets 1.42% above tier average
+ Net Interest Margin 0.68% above tier average
+ Efficiency Ratio 16.65% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.21% above tier average
- Delinquency Rate 1.40% above tier average

Get updates when The Cowboy Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$108.6M +1.6% YoY -0.6% QoQ	-$277.9M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 2.3% in tier
Total Loans ?	$63.7M -4.7% YoY -6.1% QoQ	-$194.6M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 5.3% in tier
Total Deposits ?	$88.1M +0.6% YoY -1.3% QoQ	-$238.7M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 2.0% in tier
Return on Assets ?	2.74% -10.5% YoY -1.2% QoQ	+1.42%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 3.0% in tier
Net Interest Margin ?	4.67% -7.7% YoY +0.1% QoQ	+0.68%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	85%
Efficiency Ratio ?	47.83% +7.4% YoY +3.3% QoQ	-16.65%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 12.7% in tier
Delinquency Rate ?	2.32% +111.3% YoY	+1.40%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 10.1% in tier
Loan-to-Deposit Ratio ?	72.36% -5.2% YoY -4.8% QoQ	-5.59%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	65%
Non-Interest-Bearing Deposit Share ?	26.27% -1.9% YoY -0.7% QoQ	+4.24%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	1.88% +17.0% YoY +223.1% QoQ	+1.21%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 8.3% in tier
Tier 1 Capital Ratio ?	17.51% +7.4% YoY +4.8% QoQ	+1.60%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.41% +12.9% YoY +122.7% QoQ	-0.16%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 14.0% in tier

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	26.3% -0.5pp YoY -0.2pp QoQ	+4.1pp	22.1%	29.2%	22.2%	71%
Brokered Deposits	2.3% -1.4pp YoY 0.0pp QoQ	-5.6pp	7.9%	8.0%	8.5%	32%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	0.1% -0.1pp YoY 0.0pp QoQ	-11.5pp	11.6%	14.8%	12.5%	0%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	43.9% +8.2pp YoY +2.2pp QoQ	+11.3pp	32.6%	25.8%	31.3%	76%
Consumer	4.6% 0.0pp YoY -0.2pp QoQ	+0.5pp	4.1%	4.7%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	17.5% +1.2pp YoY +0.8pp QoQ	+5.3pp	12.2%	12.6%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY 0 QoQ	-43	58	186	482	5%
Assets per Employee ($)	$6.8M +1.6% YoY -0.6% QoQ	-$729K	$7.5M	$10.1M	$8.8M	48%
Branch Count	1 0 YoY 0 QoQ	-4	4	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.3% +1.6pp YoY +2.2pp QoQ	+1.4pp	0.9%	1.0%	1.0%	90%
Allowance Coverage	0.44x -60.2% YoY -93.6% QoQ	-23.72x	24.15x	18.82x	20.23x	8%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	16.3% -3.6pp YoY -0.4pp QoQ	+4.1pp	12.2%	13.2%	11.6%	74%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	44%
Net Income ($, YTD)	$1.5M -10.5% YoY — QoQ	-$1.1M	$2.6M	$15.9M	$40.4M	42%

Get Full Access to The Cowboy Bank of Texas

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Revenue Diversifier

growth

#166 of 661 • Top 25.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.41%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.74%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 2.74%

Peer Median: 1.32%

#81 of 2643 Top 3.0% in $100M-$1B

337

Efficiency Ratio

profitability

Value: 47.83%

Peer Median: 64.48%

#337 of 2643 Top 12.7% in $100M-$1B

371

Non-Interest Income / Assets

revenue_mix

Value: 0.41%

Peer Median: 0.57%

#371 of 2643 Top 14.0% in $100M-$1B

404

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.99%

#404 of 2643 Top 15.2% in $100M-$1B

555

Tier 1 Capital Ratio

capital

Value: 17.51%

Peer Median: 15.91%

#555 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (5 metrics)

2591

Total Deposits

size

Value: $88.06M

Peer Median: $326.73M

#2591 of 2643 Bottom 2.0% in $100M-$1B

2584

Total Assets

size

Value: $108.63M

Peer Median: $386.57M

#2584 of 2643 Bottom 2.3% in $100M-$1B

2504

Total Loans

size

Value: $63.72M

Peer Median: $258.35M

#2504 of 2643 Bottom 5.3% in $100M-$1B

2425

Nonperforming Asset Ratio

credit_quality

Value: 1.88%

Peer Median: 0.67%

#2425 of 2643 Bottom 8.3% in $100M-$1B

2367

Delinquency Rate

credit_quality

Value: 2.32%

Peer Median: 0.92%

#2367 of 2633 Bottom 10.1% in $100M-$1B