BlastPoint's Banking Scorecard
The Cowboy Bank of Texas
Micro
Specialty: Commercial
TX
FDIC cert 12298
Designations: ✓ Community bank
Maypearl, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Cowboy Bank of Texas demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.81% above tier
- + Net Interest Margin 1.19% above tier
- + Efficiency Ratio 19.85% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$110.9M
+3.1% YoY
+2.6% QoQ
|
-$106.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$66.3M
-6.7% YoY
-0.2% QoQ
|
-$72.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$90.5M
+3.3% YoY
+2.7% QoQ
|
-$93.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
2.90%
+0.3% YoY
-5.7% QoQ
|
+1.81% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.05%
-4.6% YoY
-0.7% QoQ
|
+1.19% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
47.87%
+8.3% YoY
+5.2% QoQ
|
-19.85% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.23%
+14.6% YoY
-80.0% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
73.34%
-9.7% YoY
-2.9% QoQ
|
-1.19% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
27.98%
+4.6% YoY
+0.0% QoQ
|
+5.59% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.03%
+667.4% YoY
-47.3% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.75%
-5.6% YoY
+22.7% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.90%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.05%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.87%
(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
98
98th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.87% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.05% · Tier avg: 3.85%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.98% · Tier avg: 22.39%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.34% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
26
26th pctile
Total Assets
Current: $110.9M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $90.5M · Tier avg: $183.7M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
25
25th pctile
Total Deposits
Current: $90.5M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $110.9M · Tier avg: $217.5M
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.34% · Tier avg: 74.53%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.98% · Tier avg: 22.39%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
91
91th pctile
Net Interest Margin
Current: 5.05% · Tier avg: 3.85%
93
93th pctile
Efficiency Ratio
Current: 47.87% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.08%