BlastPoint's Banking Scorecard
Cowboy State Bank
Micro
Specialty: Commercial
WY
FDIC cert 8725
Designations: ✓ Community bank
Ranchester, WY
2498
banks in Micro tier nationally
16 in WY
View Micro leaderboard (WY) →
Cowboy State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.38% above tier
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.38% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.0M
+0.7% YoY
-1.8% QoQ
|
-$165.5M |
$217.5M
+2.3% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$33.5M
-0.4% YoY
-2.3% QoQ
|
-$105.7M |
$139.2M
+2.8% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$45.8M
-0.6% YoY
-2.8% QoQ
|
-$137.9M |
$183.7M
+1.8% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.92%
+123.5% YoY
-22.3% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
6.24%
-3.0% YoY
+2.3% QoQ
|
+2.38% |
3.85%
+6.6% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
83.92%
+0.0% YoY
+6.3% QoQ
|
+16.20% |
67.73%
-4.8% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
73.20%
+0.2% YoY
+0.6% QoQ
|
-1.33% |
74.53%
+0.5% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
20.20%
+0.3% YoY
-21.5% QoQ
|
-2.20% |
22.39%
-1.3% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.84%
-38.8% YoY
+1.6% QoQ
|
+1.38% |
0.45%
+25.1% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
14.72%
-1.0% YoY
-3.3% QoQ
|
+5.87% |
8.85%
-3.4% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.17%
-3.9% YoY
+33.3% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.24%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.84%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
99
99th pctile
Net Interest Margin
Current: 6.24% · Tier avg: 3.85%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 8.85%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.20% · Tier avg: 74.53%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.20% · Tier avg: 22.39%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
15
15th pctile
Efficiency Ratio
Current: 83.92% · Tier avg: 67.73%
12
12th pctile
Total Loans
Current: $33.5M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $45.8M · Tier avg: $183.7M
8
8th pctile
Nonperforming Asset Ratio
Current: 1.84% · Tier avg: 0.45%
7
7th pctile
Total Assets
Current: $52.0M · Tier avg: $217.5M
Top Weaknesses
7
7th pctile
Total Assets
Current: $52.0M · Tier avg: $217.5M
8
8th pctile
Nonperforming Asset Ratio
Current: 1.84% · Tier avg: 0.45%
9
9th pctile
Total Deposits
Current: $45.8M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $33.5M · Tier avg: $139.2M
15
15th pctile
Efficiency Ratio
Current: 83.92% · Tier avg: 67.73%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.20% · Tier avg: 22.39%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.20% · Tier avg: 74.53%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 8.85%
99
99th pctile
Net Interest Margin
Current: 6.24% · Tier avg: 3.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%