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 4,631st largest bank in the nation. It was established in 1912 and as of December of 2020, 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 - YTD0.69%
Return on Equity - YTD8.45%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$54.0MM$49.4MM
LoansQ4 2020vs Q4 2019$25.1MM$28.4MM
DepositsQ4 2020vs Q4 2019$48.6MM$44.2MM
Equity CapitalQ4 2020vs Q4 2019$4.4MM$4.2MM
Loan Loss AllowanceQ4 2020vs Q4 2019$467.00K$477.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$130.00K$130.00K
Real Estate OwnedQ4 2020vs Q4 2019$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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