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The Cowboy Bank Of Texas
Maypearl, TX · FDIC Certificate #12298 · Chartered 01/0
Total assets
$108.63M
Total deposits
$88.06M
Total equity
$18.60M
Net loans
$63.72M
Branches (offices)
1
Net income (YTD)
$1.50M
Rank: #3,617 of 4,213 U.S. banks by assets · #305 of 346 in Texas. Assets changed 1.6% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.74% |
| Return on equity | 16.30% |
| Net interest margin (YTD) | 4.67% |
| Equity to assets | 17.12% |
| Tier 1 leverage ratio | 17.51% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 2.29% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.4% |
| Real estate loans (share of loans) | 95.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $60.83M | 95.5% | |
| Commercial & industrial | $54.00K | 0.1% | |
| Consumer / individual | $2.91M | 4.6% | |
| Construction & development | $23.92M | 37.5% | |
| Agricultural | $564.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $118.37M | $102.41M | $1.43M | $12.77M |
| Jun 2023 | $102.94M | $85.54M | $1.70M | $14.15M |
| Jun 2024 | $101.18M | $81.96M | $1.67M | $15.84M |
| Jun 2025 | $106.89M | $87.56M | $1.68M | $17.35M |
| Jun 2026 | $108.63M | $88.06M | $1.50M | $18.60M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $88.06M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $88.06M.
Similar-sized banks
Home Savings Bank ($108.78M) · Warsaw Federal Savings And Loan Association ($108.52M)
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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