Overview / Commentary
307-655-2291
515 Dayton Street
Ranchester, WY 82839

Cowboy State Bank is headquartered in Ranchester and is the 28th largest bank in the state of Wyoming. It is also the 5,029th largest bank in the nation. It was established in 1912 and as of September of 2018, it had grown to 16 employees at 2 locations. Cowboy State Bank has a C+ health rating.

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Health
C+
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 low asset base, and a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #8725
Year Established1912
Employees16
Primary RegulatorFED
Profit Margin
Return on Assets - YTD-1.03%
Return on Equity - YTD-12.59%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$47.6MM$45.7MM
LoansQ3 2018vs Q3 2017$29.7MM$28.6MM
DepositsQ3 2018vs Q3 2017$41.1MM$41.3MM
Equity CapitalQ3 2018vs Q3 2017$3.5MM$4.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$421.00K$407.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$52.00K$267.00K
Real Estate OwnedQ3 2018vs Q3 2017$204.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*$10mBusiness Savings
OTHER TIERS: 0.10% $200 - $25k | 0.35% $25k - $100k
0.40%--Christmas Club
0.15%*$10k*-Investors Savings
OTHER TIERS: 0.13% Up to $10k
0.10%--Cowboy Savings

Cowboy State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*-$15kCowboy Rewards Checking
OTHER TIERS: 0.50% $15k+
1.76%--Senior Checking
0.10%*$2.5k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $1k | 0.08% $1k - $2.5k
0.10%*$2.5k*-Cowboy Interest Checking.
OTHER TIERS: 0.05% Up to $1k | 0.08% $1k - $2.5k

Cowboy State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$25k*-60 Month CD
OTHER TIERS: 1.00% Up to $25k
0.95%*$25k*-48 Month CD
OTHER TIERS: 0.85% Up to $25k
0.70%*$25k*-36 Month CD
OTHER TIERS: 0.60% Up to $25k
0.45%*$25k*-24 Month CD
OTHER TIERS: 0.35% Up to $25k
0.30%*$25k*-12 Month CD
OTHER TIERS: 0.22% Up to $25k
0.17%*$25k*-182 Day CD
OTHER TIERS: 0.12% Up to $25k
0.13%*$25k*-90 Day CD
OTHER TIERS: 0.10% Up to $25k

Cowboy State Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%*$25k*-12 Month Variable IRA
OTHER TIERS: 2.02% Up to $25k
1.16%*$25k*-60 Month IRA
OTHER TIERS: 1.00% Up to $25k
0.95%*$25k*-48 Month IRA
OTHER TIERS: 0.85% Up to $25k
0.70%*$25k*-36 Month IRA
OTHER TIERS: 0.60% Up to $25k
0.45%*$25k*-24 Month IRA
OTHER TIERS: 0.35% Up to $25k
0.30%*$25k*-12 Month IRA
OTHER TIERS: 0.22% Up to $25k
0.17%*$25k*-182 Day IRA
OTHER TIERS: 0.12% Up to $25k
0.13%*$25k*-90 Day IRA
OTHER TIERS: 0.10% Up to $25k
Locations


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

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