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Overview / Commentary
515 Dayton Street
Ranchester, WY 82839

Cowboy State Bank is headquartered in Ranchester and is the 29th largest bank in the state of Wyoming. It is also the 6,191st largest bank in the nation. It was established in 1912 and as of March of 2014, it had grown to 14 employees at 2 locations. Cowboy State Bank's savings rates are 35% higher than the national average, and it has a C+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Cowboy State Bank has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Cowboy State Bank had $864,000 in non-current loans and owned real-estate with $4.23 million in equity and loan loss allowances on hand to cover it. This gives Cowboy State Bank a Texas Ratio of 20.42% which is above 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 increased slightly from 12.77% as of March 31, 2013 to 20.42% as of March 31, 2014, resulting in a negative change of 59.89%. This indicates that the balance sheet and financial strength for Cowboy State Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Cowboy State Bank has increased its total deposits by $415,000, resulting in 1.12% 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.



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 $41.23 million in assets with $4.23 million in equity, resulting in a capitalization level of 10.26%, which is above average.

Institution Statistics

FDIC Certificate #8725
Year Established1912
Primary RegulatorFED
Assets and Liabilities
Assets$41.23 million
Loans$24.88 million
Deposits$37.36 million
Equity Capital$3.81 million
Loan Loss Allowance$420,000
Unbacked Noncurrent Loans$51,000
Real Estate Owned$813,000
Historic Data - March 2013
Assets$40.80 million
Equity Capital$3.80 million
Loan Loss Allowance$488,000
Unbacked Noncurrent Loans$51,000
Real Estate Owned$429,000
Profit Margin - Quarterly
Net Interest Margin4.33%
Return on Assets-0.5%
Return on Equity-5.51%
Interest Income$444,000
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Cowboy State Bank Savings Account Rates

0.70%$500-IRA Savings
0.17%$10k-Investor Plus Savings
0.15%$1k-Investor Savings
0.15%$25-Christmas Club
0.10%$25-Regular Savings

Cowboy State Bank Checking Account Rates

0.15%$2,500-Super NOW Account
0.05%$1k-NOW Account
0.05%--Cowboy Silver Checking

Cowboy State Bank CD Rates

1.26%$25k-60 Month CD
1.05%$25k-48 Month CD
0.80%$25k-36 Month CD
0.55%$25k-24 Month CD
0.40%$25k-12 Month CD
0.20%$25k-182 Day CD
0.13%$25k-90 Day CD

Cowboy State Bank IRA Rates

1.26%$25k-60 Month IRA
1.05%$25k-48 Month IRA
0.80%$25k-36 Month IRA
0.55%$25k-24 Month IRA
0.40%$25k-12 Month IRA
0.20%$25k-182 Day IRA
0.13%$25k-90 Day IRA

Cowboy State Bank Locations
Cowboy State Bank515 Dayton StreetRanchester, WY 82839
951 Coffeen Avenue Branch951 Coffeen AvenueSheridan, WY 82801