BlastPoint's Banking Scorecard

Cowboy State Bank

under $100M Specialty: Commercial WY FDIC cert 8725

Designations: ✓ Community bank

Ranchester, WY

2 branches across WY

541 banks in the under $100M peer group nationally 4 in WY

Cowboy State 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

+ Net Interest Margin 2.38% above tier average
+ ROA 0.10% above tier average
+ Efficiency Ratio 4.44% below tier average
+ Delinquency Rate 1.33% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$52.0M +1.7% YoY -0.1% QoQ	-$10.2M	$62.2M -0.6% YoY	$445.8M +4.9% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$34.0M +3.3% YoY +1.3% QoQ	-$296K	$34.2M -1.4% YoY	$250.1M +8.7% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$46.2M +2.0% YoY +0.8% QoQ	-$5.6M	$51.7M -0.7% YoY	$397.2M +4.6% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	0.93% -31.3% YoY +1.4% QoQ	+0.10%	0.84% -2.3% YoY	1.18% +46.8% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	6.24% +5.7% YoY +0.0% QoQ	+2.38%	3.86% +2.8% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	Top 1.1% in tier
Efficiency Ratio ?	83.91% +11.7% YoY -0.0% QoQ	-4.44%	88.34% +0.3% YoY	71.89% -9.4% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.04% -98.6% YoY	-1.33%	1.37% +33.8% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	73.56% +1.3% YoY +0.5% QoQ	+9.34%	64.22% -0.7% YoY	68.79% +12.9% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	21.30% +15.2% YoY +5.4% QoQ	-2.42%	23.71% +0.3% YoY	24.89% +11.1% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	1.86% -0.7% YoY +1.6% QoQ	+1.08%	0.79% +28.2% YoY	0.38% +6.8% YoY	0.67% +19.3% YoY	Bottom 12.2% in tier
Tier 1 Capital Ratio ?	14.73% -6.8% YoY +2.4% QoQ	-11.96%	26.68% +2.0% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.03% -20.4% YoY -80.9% QoQ	-0.63%	0.67% +1.9% YoY	0.21% +17.8% YoY	0.32% +4.1% YoY	26%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 6.24%

Peer Median: 3.86%

#7 of 541 Top 1.1% in under $100M

Top Weaknesses (1 metrics)

476

Nonperforming Asset Ratio

credit_quality

Value: 1.86%

Peer Median: 0.79%

#476 of 541 Bottom 12.2% in under $100M