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Cowboy Bank
Kremlin, OK · FDIC Certificate #11526 · Chartered 05/0
Total assets
$350.30M
Total deposits
$297.72M
Total equity
$48.54M
Net loans
$254.09M
Branches (offices)
5
Net income (YTD)
$4.74M
Rank: #2,255 of 4,213 U.S. banks by assets · #73 of 168 in Oklahoma. Assets changed 3.9% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.62% |
| Return on equity | 20.57% |
| Net interest margin (YTD) | 5.04% |
| Equity to assets | 13.86% |
| Tier 1 leverage ratio | 12.72% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 85.3% |
| Real estate loans (share of loans) | 57.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $144.84M | 57.0% | |
| Commercial & industrial | $38.61M | 15.2% | |
| Consumer / individual | $6.39M | 2.5% | |
| Construction & development | $3.55M | 1.4% | |
| Agricultural | $53.33M | 21.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $344.56M | $296.31M | $3.57M | $39.09M |
| Jun 2023 | $335.33M | $287.52M | $4.71M | $40.75M |
| Jun 2024 | $360.87M | $312.49M | $3.65M | $41.61M |
| Jun 2025 | $337.08M | $289.14M | $2.85M | $43.44M |
| Jun 2026 | $350.30M | $297.72M | $4.74M | $48.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $297.72M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $297.72M.
Similar-sized banks
Western Bank ($350.50M) · Firststate Bank ($349.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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