Cowboy State Bank

Cowboy State Bank is headquartered in Ranchester and is the 34^th largest bank in the state of Wyoming. It is also the 6,667^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 16 employees at 2 locations. Cowboy State Bank's savings rates are 92% higher than the national average, and it has a 3-star health rating.

Cowboy State Bank Routing Number: 102301063

Cowboy State Bank Checking Account Rates

Cowboy State Bank Savings Account Rates

Cowboy State Bank CD Rates

Cowboy State Bank IRA Rates

Data for Q1 2012

Institution Statistics Cowboy State Bank FDIC Certificate # 8725 BankRate Report View Year Established 1912 Employees 16 Primary Regulator FED Assets and Liabilities Assets $40.50 million Loans $26.38 million Deposits $36.53 million Equity Capital $3.90 million Loan Loss Allowance $680,000 Unbacked Noncurrent Loans $486,000 Real Estate Owned $1.11 million Historic Data - March 2011 Assets $40.19 million Equity Capital $3.55 million Loan Loss Allowance $789,000 Unbacked Noncurrent Loans $697,000 Real Estate Owned $1.30 million Profit Margin - Quarterly Net Interest Margin 4.21% Return on Assets -0.28% Return on Equity -2.96% Interest Income $451,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Cowboy State Bank had $1.6 million in non-current loans and owned real-estate with $4.58 million in equity and loan loss allowances on hand to cover it. This gives Cowboy State Bank a Texas Ratio of 34.91% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cowboy State Bank decreased slightly from 46.12% as of March 31, 2011 to 34.91% as of March 31, 2012, resulting in a positive change of 24.31%.This indicates that the balance sheet and financial strength for Cowboy State Bank has improved slightly in recent periods. Deposit Growth In the past year, Cowboy State Bank has increased its total deposits by $456,000, resulting in 1.26% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cowboy State Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cowboy State Bank has $40.49 million in assets with $4.58 million in equity, resulting in a capitalization level of 11.31%, which is above average.

No reviews have been left for this bank yet. Be the first to review.