BlastPoint's Banking Scorecard
Cowboy State Bank
Designations: ✓ Community bank
Ranchester, WY
2 branches across WY
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 536 banks in the under $100M peer group nationwide — 1 of 4 in WY.
- Deposits -2.2% year over year ($44.4M on the books).
- Delinquency rate 0.93%.
- Return on assets 0.91%.
- Efficiency ratio 84.64% vs a 119.40% peer average.
- Loan-to-deposit ratio 75.66% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cowboy State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.51% above tier average
- + Efficiency Ratio 34.75% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.52% above tier average
- - ROA 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.3M
-2.2% YoY
-3.3% QoQ
|
-$12.2M |
$62.4M
-0.0% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$33.6M
-0.0% YoY
-1.1% QoQ
|
-$1.3M |
$34.9M
-0.6% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$44.4M
-2.2% YoY
-3.8% QoQ
|
-$7.2M |
$51.6M
-0.2% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
0.91%
-31.3% YoY
-2.6% QoQ
|
-0.09% |
1.00%
+3.5% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
6.42%
+5.2% YoY
+2.9% QoQ
|
+2.51% |
3.91%
+2.3% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
Top 0.9% in tier |
| Efficiency Ratio ? |
84.64%
+10.8% YoY
+0.9% QoQ
|
-34.75% |
119.40%
+49.6% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.93%
-67.6% YoY
|
-0.55% |
1.48%
+31.8% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
75.66%
+2.2% YoY
+2.9% QoQ
|
+1.45% |
74.21%
+12.6% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
23.02%
+9.9% YoY
+8.1% QoQ
|
-0.47% |
23.49%
+0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
2.36%
+26.4% YoY
+26.5% QoQ
|
+1.52% |
0.84%
+23.0% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.0% in tier |
| Tier 1 Capital Ratio ? |
14.39%
-7.5% YoY
-2.3% QoQ
|
-12.73% |
27.13%
+3.0% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.09%
+9.2% YoY
+185.8% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
37% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.0%
+2.1pp YoY +1.7pp QoQ |
-1.6pp | 24.6% | 24.7% | 22.2% | 46% |
| Brokered Deposits | n/a | n/a | 9.8% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.9%
-5.1pp YoY 0.0pp QoQ |
-7.5pp | 13.4% | 16.1% | 12.5% | 26% |
| CRE | n/a | n/a | 25.2% | 45.3% | 41.4% | n/a |
| 1-4 Family |
20.4%
-0.8pp YoY -0.4pp QoQ |
-14.6pp | 35.0% | 25.2% | 31.3% | 37% |
| Consumer |
5.5%
+0.5pp YoY +0.5pp QoQ |
-2.2pp | 7.7% | 4.1% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.4%
-1.2pp YoY -0.3pp QoQ |
-24.3pp | 38.7% | 25.5% | 19.7% | 18% |
| Leverage Ratio |
12.4%
+0.5pp YoY +0.6pp QoQ |
-5.2pp | 17.7% | 11.6% | 12.6% | 46% |
| Total Capital Ratio |
15.6%
-1.2pp YoY -0.3pp QoQ |
-24.0pp | 39.7% | 26.6% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+1 (+5.9%) YoY +1 (+5.9%) QoQ |
+6 | 12 | 57 | 482 | 84% |
| Assets per Employee ($) |
$2.8M
-7.6% YoY -8.6% QoQ |
-$3.4M | $6.2M | $8.7M | $8.8M | 7% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.8pp QoQ |
-0.1pp | 1.0% | 0.2% | 0.4% | 69% |
| Nonaccrual |
0.0%
-2.8pp YoY |
-1.7pp | 1.7% | 0.6% | 1.0% | 5% |
| Allowance Coverage |
2.40x
+206.7% YoY -95.5% QoQ |
-4.01x | 6.41x | 18.30x | 20.23x | 65% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
-3.9pp YoY -0.2pp QoQ |
+1.5pp | 6.4% | 9.7% | 11.6% | 49% |
| Cost of Funds (YTD) |
0.6%
-0.3pp YoY -0.1pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 9% |
| Net Income ($, YTD) |
$233,000
-31.3% YoY — QoQ |
-$85K | $317,817 | $3.2M | $40.4M | 42% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.