FDIC Cert #8725 · Ranchester, Wyoming · Est. 1912

Cowboy State Bank - FDIC Bank Health Profile

A community-scale look at Cowboy State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$52M
Total assets
B
Health grade · Good
0.92%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

Cowboy State Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.38% Tier 1, 0.92% ROA, 84% efficiency ratio.

#4,124
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
14.38%
Tier 1 ratio - above the 10% well-capitalized line
37th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 8725 · WY B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3156/4307
  • PHOTO-FINISH State Bank of Fairmont · MN
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.92% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: State Bank of Fairmont, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cowboy State Bank

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Erath · LA · near69/100Citizens State Bank · MI · n…69/100Cowboy State Bank · WY · thi…69/100Scott State Bank · IL · near69/100State Bank of Fairmont · MN …69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cowboy State Bank · July 2026

Plate reading for Cowboy State Bank where failures stay rare

Cowboy State Bank (FDIC Cert #8725) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,156 of 4,307. Tier 1 capital prints at 14.38%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.92%. Balance-sheet scale is $52M, 4,124th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Fairmont (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cowboy State Bank

Only 1 FAILURE resolution in Wyoming since 2000

Cowboy State Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

How Cowboy State Bank's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Cowboy State Bank's composite health score
Tier 1 Capital Ratio (14.38%) 35/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (83.92%) 0/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$52M

Total balance-sheet footings

Total Deposits

$46M

Customer-funded liabilities

Net Loans

$34M

Outstanding loan book

Net Income

$476K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.98% 14.38% 15.78%
Basel III capital ratios - Cowboy State Bank

Where Cowboy State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cowboy State Bank's score of 69/100 falls in the highlighted band.

Cowboy State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 27th percentile higher than 27% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Cowboy State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cowboy State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cowboy State Bank's $52M falls in the highlighted band.

Safety metrics: Cowboy State Bank

Tier 1 capital ratio
Well-capitalized 10%

14.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.38%
Texas Ratio
0.00%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Cowboy State Bank

Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
8.12%
Efficiency Ratio
83.92%

What these mean →

Income & expense at Cowboy State Bank

$3M
Interest Income
$89K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cowboy State Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cowboy State Bank on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($52M here), outside Wyoming so the neighborhood is not state containment.

The Granger National Bank $52M · TX Rayne Building and Loan Association $52M · LA Farmers & Merchants Bank of Hutsonvil… $52M · IL The Union Banking Company $52M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cowboy State Bank (FDIC Cert #8725) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Cowboy State Bank Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
Pinnacle Bank - WyomingCody $1.3B A 1.28%
Hilltop National BankCasper $1.2B A 1.72%
The Converse County BankDouglas $1.1B A 1.14%
First Northern Bank of WyomingBuffalo $894M B 1.13%
Platte Valley BankTorrington $783M B 1.46%
First National Bank of GilletteGillette $626M A 1.35%
First Federal Bank & TrustSheridan $611M C 0.43%
Jonah Bank of WyomingCasper $558M B 1.92%