Cowboy State Bank

Overview / Commentary
515 US Highway 14
Ranchester, WY 82839-0789

Cowboy State Bank is headquartered in Ranchester and is the 27th largest bank in the state of Wyoming. It is also the 4,614th largest bank in the nation. It was established in 1912 and as of March of 2021, it had grown to 16 employees at 2 locations. Cowboy State Bank has a B+ health rating.


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

Health Grade Components

FDIC Certificate #8725
Year Established1912
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD6.52%
Annual Interest Income$581.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$55.8MM$46.5MM
LoansQ1 2021vs Q1 2020$26.1MM$27.1MM
DepositsQ1 2021vs Q1 2020$50.3MM$41.7MM
Equity CapitalQ1 2021vs Q1 2020$4.5MM$3.8MM
Loan Loss AllowanceQ1 2021vs Q1 2020$467.00K$477.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$130.00K$130.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$400.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cowboy State Bank Savings Account Rates

0.13%--Christmas Club
0.13%*$100k*$10mBusiness Savings
OTHER TIERS: 0.03% $200 - $25k | 0.05% $25k - $100k
0.05%*$10k*-Investors Savings
OTHER TIERS: 0.03% Up to $10k
0.05%--Cowboy Savings

Cowboy State Bank Checking Account Rates

1.00%*-$15kCowboy Rewards Checking
OTHER TIERS: 0.25% $15k+
0.07%--Senior Checking
0.03%*$2.5k*-Business Interest Checking
OTHER TIERS: 0.01% Up to $1k | 0.02% $1k - $2.5k
0.03%*$2.5k*-Cowboy Interest Checking.
OTHER TIERS: 0.01% Up to $1k | 0.02% $1k - $2.5k

Cowboy State Bank CD Rates

0.10%--24 Month CD
0.10%--36 Month CD
0.10%--48 Month CD
0.10%--60 Month CD
0.10%--Business 24 Month CD
0.10%--Business 36 Month CD
0.10%--Business 48 Month CD
0.10%--Business 60 Month CD
0.08%--12 Month CD
0.08%--Business 12 Month CD
0.05%--90 Day CD
0.05%--6 Month CD
0.05%--Business 90 Day CD
0.05%--Business 6 Month CD

Cowboy State Bank IRA Rates

0.50%*$25k*-12 Month Variable IRA
OTHER TIERS: 0.25% Up to $25k
0.10%--24 Month IRA
0.10%--36 Month IRA
0.10%--48 Month IRA
0.10%--60 Month IRA
0.08%--12 Month IRA
0.05%--90 Day IRA
0.05%--6 Month IRA

Cowboy State Bank Locations
Cowboy State Bank515 Dayton StreetRanchester, WY 82839
951 Coffeen Avenue Branch232 E Grinnell StSheridan, WY 82801

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