BlastPoint's Banking Scorecard
Cowboy Bank
Micro
Specialty: Agricultural
OK
FDIC cert 11526
Designations: ✓ Community bank
Kremlin, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Cowboy Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.01% above tier
- + Efficiency Ratio 22.37% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.7M
+2.4% YoY
+5.0% QoQ
|
+$151.2M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$278.6M
+5.8% YoY
+10.8% QoQ
|
+$139.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$321.0M
+2.4% YoY
+6.8% QoQ
|
+$137.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
2.09%
+7.0% YoY
+12.8% QoQ
|
+1.01% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.73%
+6.1% YoY
+2.2% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
45.36%
-3.6% YoY
+2.7% QoQ
|
-22.37% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.47%
-76.4% YoY
+6.5% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
86.77%
+3.3% YoY
+3.7% QoQ
|
+12.24% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
23.83%
+6.6% YoY
-7.7% QoQ
|
+1.44% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.35%
-75.6% YoY
+12.4% QoQ
|
-0.10% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.40%
-8.7% YoY
+37.1% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.09%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.36%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Efficiency Ratio
Current: 45.36% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.08%
89
89th pctile
Total Loans
Current: $278.6M · Tier avg: $139.2M
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
85
85th pctile
Total Deposits
Current: $321.0M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $368.7M · Tier avg: $217.5M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.83% · Tier avg: 22.39%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.77% · Tier avg: 74.53%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.77% · Tier avg: 74.53%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.83% · Tier avg: 22.39%
84
84th pctile
Total Assets
Current: $368.7M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $321.0M · Tier avg: $183.7M
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
89
89th pctile
Total Loans
Current: $278.6M · Tier avg: $139.2M
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.36% · Tier avg: 67.73%