Cowboy State Bank
Ranchester, Wyoming · FDIC Cert #8725
Cowboy State Bank is an FDIC-insured bank (Certificate #8725) with $47M in total assets and $42M in total deposits as of the Q2 2024 Call Report. Headquartered in Ranchester, Wyoming, the bank maintains a Tier 1 capital ratio of 15.98% (Well-Capitalized) and a nonperforming loan ratio of 4.23%. BankHealthData assigns a composite Health Grade of B (68/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cowboy State Bank (FDIC cert 8725) is a community bank — $47M in total assets, $42M in deposits, serving the Ranchester, Wyoming area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.98% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 4.23% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 27.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.06% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Cowboy State Bank carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cowboy State Bank
- Total Assets
- $47M
- Total Deposits
- $42M
- Tier 1 Capital Ratio
- 15.98%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.23%
- Liquidity Ratio
- 27.08%
- Return on Assets
- 1.06%
- Headquarters
- Ranchester, Wyoming
- FDIC Certificate
- #8725
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cowboy State Bank holds a Tier 1 capital ratio of 15.98%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cowboy State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cowboy State Bank shows strong financial health indicators. With $47M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cowboy State Bank Compares
Cowboy State Bank’s Health Score of 68 is 13 points below the Wyoming state average of 81 across 21 FDIC-insured banks. Its 15.98% Tier 1 capital ratio is 2.0 points above the US banking industry average near 14%. The 4.23% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.06% is below the national ROA benchmark of ~1.1%. Among 529 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Cowboy State Bank is 2 points below the portfolio average of 70.
Frequently Asked Questions
Cowboy State Bank has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 15.98%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cowboy State Bank's Tier 1 capital ratio of 15.98% and nonperforming loan ratio of 4.23% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cowboy State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8725). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cowboy State Bank holds $47M in total assets and $42M in total deposits. It is headquartered in Ranchester, Wyoming (FDIC Certificate #8725).
Cowboy State Bank has a Tier 1 capital ratio of 15.98%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.23%, and the return on assets is 1.06%.
Yes. Cowboy State Bank is FDIC-insured (Certificate #8725). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cowboy State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.